FAQs tagged as

Lending & Borrowing

  1. Why do some institutions (like American Express) allow you to go above your revolving ...

  2. Does cash-on-delivery aid produce better results than a loan?

  3. What factors are taken into account to quantify credit risk?

  4. What is the underwriter's job in a real estate transaction?

  5. Why do high profiting sales mitigate credit risk?

  6. When is an underwriting fee too high on a commercial loan?

  7. What's the difference between a letter of credit and a bank guarantee?

  8. When is it necessary to get a letter of credit?

  9. Can entities other than banks issue letters of credit?

  10. Why do some credit cards offer introductory APRs?

  11. Do lenders offer floating APRs?

  12. Are APRs different in different countries?

  13. What loans do and don't have an APR?

  14. What is a bank's legal liability when issuing a letter of credit?

  15. When are you legally required to get a letter of credit?

  16. What is the debt ratio for an FHA loan?

  17. How do I use the debt ratio to decide when to invest in a company?

  18. What is the key to finding your ideal mortgage?

  19. What does the gearing ratio say about risk?

  20. What is the difference between the gearing ratio and the debt-to-equity ratio?

  21. What is the difference between loan syndication and a consortium?

  22. What are the different types of cash advances?

  23. What is a collateral assignment of life insurance?

  24. Does inflation favor lenders or borrowers?

  25. What's the difference between a grace period and a deferment?

  26. What are the pros and cons of life insurance policy loans?

  27. How can I borrow money from my life insurance policy?

  28. What's the difference between a grace period and a moratorium period?

  29. What are the differences between payday loans and cash advances?

  30. What is the difference between an in-store and an online payday loan?

  31. What are the differences between APR in Europe and the U.S.?

  32. What are the differences between revolving credit and a line of credit?

  33. What are the different types of letters of credit?

  34. What are the advantages of applying for a private student loan with a creditworthy ...

  35. Will a debt settlement program affect my credit score?

  36. What's the difference between debt consolidation and debt management or debt settlement?

  37. What are some examples of a good time to take out a payday loan?

  38. What are some examples of times when I would need a letter of credit?

  39. Why is APR used to compare long-term loans?

  40. How do I determine whether a debt consolidation loan is a good debt relief option?

  41. What is the difference between a loan and a line of credit?

  42. What is the difference between certified and non-certified private student loans?

  43. What are the drawbacks to debt consolidation?

  44. How does refinancing my mortgage affect my FICO score?

  45. What is the difference between secured and unsecured debts?

  46. What is the difference between overdraft and cash credit?

  47. What are the differences between balance-to-limit ratio and debt-to-income ratio?

  48. What's the difference between a secured line of credit and an unsecured line of credit?

  49. What are some good alternatives to taking out a line of credit?

  50. Is a home equity loan a good way to pay off my credit card debt?

  51. What is the difference between student loan default and delinquency?

  52. What are some examples of debts that I can consolidate?

  53. What are some examples of sneaky credit card charges to watch out for?

  54. What are some examples of a good time to take out a home equity line of credit (HELOC)?

  55. How do I start building a credit score?

  56. What are the different types of annual percentage ratings (APR)?

  57. What are the differences between revolving credit and installment credit?

  58. What are the best ways to rebuild my credit score quickly?

  59. In what states are high-cost payday loans illegal?

  60. Why should I register a prepaid credit card?

  61. What information do lenders need when I apply for a credit limit increase?

  62. Who is eligible to take out federal student loans?

  63. Do payday loans hurt my ability to get a mortgage?

  64. How is interest charged on most lines of credit?

  65. Is it possible to have a credit limit that's too high?

  66. What are some examples of 'gray' charges on my credit card statement?

  67. What is a good credit utilization ratio?

  68. Are debt collectors allowed to call me at work?

  69. How long do typical debt management plans take to pay off debt?

  70. Is my credit score usually checked before receiving a payday loan?

  71. Does bankruptcy information go on the public record?

  72. What is the difference between available credit and credit limit?

  73. What are some signs my credit card's annual fee is too high?

  74. How does debt consolidation lower my monthly payments?

  75. Why is my rent on my credit report?

  76. How can I improve my chances of getting a credit limit increase?

  77. What are the most common reasons credit limit increase requests are declined?

  78. What are the basic requirements to qualify for a payday loan?

  79. How are my cosigners affected if I file bankruptcy?

  80. What fees usually come with prepaid credit cards?

  81. Are secured credit cards accepted everywhere?

  82. What property / belongings can I keep after filing bankruptcy?

  83. Why are private student loans generally more expensive than federal loans?

  84. Is it possible to obtain a loan from a qualified retirement plan?

  85. Are good faith estimates (GFEs) accurate?

  86. What are the different types of reverse mortgages?

  87. What is an FHA streamline loan?

  88. What is the difference between a fixed annual percentage rate (APR) and a variable ...

  89. How do I lower my debt-to-income (DTI) ratio?

  90. I am considering taking a loan from my qualified retirement plan. What is the definition ...

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