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Leonard Pokrovski

adicionou um novo artigo Personal Finance
2025-11-05 15:58:07 -

How Do I Know If I Qualify for a Loan?
How Do I Know If I Qualify for a Loan? Understanding Credit Scores, Income Requirements, and Options with Bad Credit Getting approved for a loan — whether it’s for a car, a home, or personal expenses — often feels confusing and intimidating. People frequently ask, “What credit rating do I need?”, “How much income must I show?”, or “Can I get a...

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Leonard Pokrovski

adicionou um novo artigo Personal Finance
2025-11-07 23:45:30 -

How Do Lenders Decide on Loan Approval?
How Do Lenders Decide on Loan Approval? What Information They Check, What Documents You Need, and Why Income, Employment History, and Debt-to-Income Ratio Matter Applying for a loan—whether for a car, a home, or personal expenses—can be both exciting and intimidating. The approval process often seems mysterious: what exactly do lenders look at, and why? The truth is that lenders...

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Leonard Pokrovski

adicionou um novo artigo Personal Finance
2025-11-05 15:58:48 -

How Much Can I Borrow and How Long Will I Have to Repay the Loan?
How Much Can I Borrow and How Long Will I Have to Repay the Loan? Understanding Loan Amounts, Terms, and How They Differ by Loan Type When you apply for a loan, two of the most important questions are “How much can I borrow?” and “How long will I have to repay it?” These factors—loan amount and loan term—determine not only the size of your monthly payments...

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Leonard Pokrovski

adicionou um novo artigo Money
2025-09-27 16:39:04 -

How much can I borrow? (especially for home loans)
How much can I borrow? (especially for home loans) When buying a home, one of the first questions most people ask is: How much can I actually borrow? The answer isn’t one-size-fits-all—it depends on your income, expenses, credit profile, and the lending policies of the bank or lender you approach. Understanding these factors can help you set realistic expectations and prepare for...

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Leonard Pokrovski

adicionou um novo artigo Finance
2025-09-20 17:31:03 -

How to Get a Mortgage
How to Get a Mortgage Buying a home is one of the biggest financial decisions most people make in their lives. For many, getting a mortgage is a necessary step in turning the dream of homeownership into reality. While the process may seem complicated at first, understanding the key steps can make it much more manageable. Here’s a comprehensive guide on how to get a mortgage. 1. Assess...

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FWhoop Xelqua

adicionou um novo artigo Brokerage and Mortgaging
2022-10-12 13:09:00 -

In the US, the average mortgage rate for the first time since 2008 exceeded 6%
The number of applications for mortgage loans fell by 64% compared to last year. In the US, the average mortgage rate for the first time since 2008 exceeded 6%, Reuters reports, citing data from the Association of Mortgage Banks. At the end of July 2022, the US Federal Reserve System (FRS) raised the interest rate by 75 basis points, to 2.25-2.5% per annum. Such an increase in mortgage rates...

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Leonard Pokrovski

adicionou um novo artigo Money
2025-09-27 16:48:35 -

What is a balloon payment?
What is a balloon payment? A balloon payment is a large, lump-sum payment due at the end of a loan term, typically much larger than the regular monthly installments made throughout the loan. This structure is common in certain types of mortgages, auto loans, and business loans, and it allows borrowers to make smaller payments initially before facing a substantial final obligation. How a...

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Leonard Pokrovski

adicionou um novo artigo Personal Finance
2025-11-05 15:57:02 -

What Is a Loan?
What Is a Loan? A Comprehensive Guide to Understanding Borrowing, Interest, and Repayment Introduction In today’s world, few people can pay upfront for life’s major expenses — a house, a car, an education, or a business venture. That’s where loans come in. Loans are an essential part of modern finance, enabling individuals, businesses, and governments to achieve goals...

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Leonard Pokrovski

adicionou um novo artigo Money
2025-09-16 19:12:23 -

What Is a Mortgage?
What Is a Mortgage? For many people, buying a home is one of the biggest financial decisions they will ever make. Since most buyers don’t have enough savings to purchase a property outright, they rely on a mortgage—a loan specifically designed for real estate. Understanding how mortgages work is essential for anyone planning to own a home, refinance, or even invest in property....

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Leonard Pokrovski

adicionou um novo artigo Money
2025-09-27 17:35:48 -

What is Negative Equity?
What is Negative Equity? Negative equity is a financial situation where the value of an asset, most commonly a property, falls below the outstanding balance on the loan used to purchase it. In simpler terms, it means you owe more money on your mortgage or loan than the asset is currently worth. How Negative Equity Happens Negative equity typically arises when property values drop due to...

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