Start your family right – sign up with chase credit cards

June 2 2010 by admin in Loans News |No Comments | Tags: chase credit cards, credit cards

I am finally filling up my very first chase credit card application. Can you believe it? After several years of believing and claiming that all I need is cash to get along, I’ve finally conceded that credit indeed is an inevitable part of my life. You know how careful I am when it comes to these things, and my fiancЁ¦ Ralph does too, and so together, we carefully set out to pick the best credit cardЎ­ for me.

I had originally planned to apply for the same credit card Ralph has (which is Chase Credit Cards), but just to be sure, and just so I wouldn’t have doubts on my choice, I opted to shop around first. I finally found one that I like, but then at the end of the day, we decided that having the same Credit Cards would be better – you know, when we get married.

We’ll be finalizing the application procedures next week. For some silly reason, I’m having the same feeling like getting my first driver’s license. It Read more…

Australian property ‘among the most expensive in the world’

January 20 2012 by Ellie Opas in Loan Analyst |No Comments | Tags: World

House hunters who are looking for an affordable home loan in Australia have learned that properties in the country are among the most expensive in the entire world. According to the eighth annual Demographia International Housing Affordability Survey, Australian real estate is far more expensive than equivalent houses in the US, UK, New Zealand, Canada and Ireland. Indeed, a median-priced abode in a main Australian city costs 6.7-times the median household income, while this figure is significantly higher in Sydney, which is the least affordable place in the country. The research also indicated that only Hong Kong was more expensive than Australia. Co-author of the study Wendell Cox believes that too many regulations are stifling housing development projects down under and this is the main reason for sky-high property prices. However, the Daily Telegraph recently reported that the entrance of Japanese lenders into the Aussie mortgage sector could result in home loans becoming more competitive.

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Personal Loans for Your Driveway

January 20 2012 by Jessica Scully in Loan Articles |No Comments | Tags: Driveway

Repaving your home’s driveway is probably one of the last things on your to do list. Driveways are the sort of thing that should just last forever, after all it’s concrete and rock solid. Unfortunately, especially during a harsh winter, your driveway can take a serious beating. A few cracks aren’t anything to worry about, but if there are huge holes forming or entire chunks missing from your home’s driveway it may be time to call in a team to repave. If you need some extra cash to take care of your driveway, contact Pounds to Pocket for personal loans today. You can get your driveway repaved today and have a full year to pay back your loan. Apply online today.

You may be saying, “so what? A few cracks and bumps never hurt anyone!” Unfortunately, you may be doing serious damage to your vehicle every single day. If your driveway has a serious hole or dip, it may be destroying the undercarriage of your car, something that is so expensive to fix you might as well buy a new car all together. Save yourse

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New Year brings more refinancing applications

January 19 2012 by Maya Haly in Loans News |No Comments | Tags: New Year, Refinancing Applications, Year

If your New Year’s resolution was to apply for a mortgage refinance, you are not alone. More refinancing applications were completed during the first week of 2012 than during the holiday season, even when adjusted for vacation days.

The Mortgage Bankers Association (MBA) reported that for the week ending January 6, 2012, the Refinance Index, which looks at how many applications are filed for refinancing a mortgage, rose by 3.3 percent when compared to the previous week. Interestingly, the Purchase Index showed an increase of 8.1 percent over the previous week, a hopeful indication of movement in the housing market.

Mortgage rates and refinancing

According to HSH.com, the average mortgage rate for a 30-year fixed-rate home loan was 4.26 percent last week, a slight decrease from the previous week. Mortgage rates for a 15-year home loan dipped to 3.56 percent and rates for a 5/1 adjustable rate mortgage dropped to 3.09 percent.

HSH.com says that mortgage rates are starting 2012 at approximately the lowest rates in sixty years. I

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Credit card retail spending down; transactions up

January 17 2012 by Maya Haly in Loans News |No Comments | Tags: Credit Card, Retail Spending, Spending

2011 saw a decline in retail spending on credit cards, although the actual number of transactions grew. Credittoday.co.uk tells us more about this research from Santander.

On the whole, credit card retail spending fell by 5% per user over a 12-month period , but that decline wasn’t evenly spread. People seemed to cut back most heavily on their spending on toys and sports, which dropped by 24% per card holder.

The total value of clothes bought with a credit card fell by 6%, while spending on holidays also fell: spending on hotels dropped by 4%, on airlines by 9% and on travel agencies by a full 13%.

In some areas, though, people were spending more on their credit cards. Spending on mail orders increased by 8%, while spending in restaurants rose by 4%.

Managing Director at Santander Cards, Callum Gibson, pointed out that you’d expect people to spend less on their credit cards during times like these – but that people were actually using their cards more.

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The ABC’s of Bad Credit Loans

January 17 2012 by Ellie Opas in Loan Analyst |No Comments | Tags: Credit, Credit Loans

If you do not have a stellar credit history, it may be very difficult for you to secure a loan.  This can be a major problem if an emergency comes up that makes you have to lay out more money than you currently have.  When most people are forced to deal with such a situation, they usually have to borrow money.  However, if you do not have good credit, it is likely that you will not be able to secure a conventional loan.  Today there are bad credit loans that have been developed specifically for people in these circumstances.

Lenders rely on a person’s credit history to give them some indication of how likely it is that a borrower will repay a loan.  If a customer has an awful credit history, the lender will often be unwilling to risk lending money to that customer because they fear that they will never get the money back.  Poor credit loans have been created to give lenders some other reason besides credit history to make them feel that loaning money to that customer will be safe.

One way bad credit loans make lenders feel more secure is by making a borrower offer up collateral.  This means that the borrower has to show the lender that they have some valuable item in their possession that they are willing to hand over to the lender if the loan is not repaid.  The lender can then use the value of the item to cover all or part of the loan amount that was not paid.

Poor credit loans do tend to be more expensive than conventional loans.  Interest rates on these loans are higher because lenders see them as being more of a risk than traditional loans.

Life and Illness Cover – Price Comparison Versus Insurance Brokers?

January 17 2012 by Jessica Scully in Loan Articles |No Comments | Tags: Insurance, Insurance Brokers

Life used to be so simple. When you wanted money, you went to the bank. When you wanted meat, you went to the butcher. And when you wanted insurance, you went to an insurance broker. But things have changed, in the modern world you could pop down to Sainsbury’s and buy all three. With so many insurance options it can often be hard to see the wood for the trees when shopping for online insurance, and with online price comparison websites taking the place of traditional insurance brokers, it can be hard to decide which route to take. But it needn’t be, we’ve put together these top tips to help you decide whether price comparison sites or insurance brokers are the route for you.

The fact is, nearly two-thirds of the UK population now shops for their life insurance online, with the aid of price comparison websites, and in the current tight financial climate the low life insurance quotes offered by such sites can be tempting. Moreover, by aggregating information from across the vastness of the internet, comparison sites can claim to offer a wider range of choice than your high street broker. But w

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