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Home Loan Powerpoint Template

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Home loan

Transcript: There are over 30 different Chase locations in the 22306 zip code area. Chase is very convenient for loactions. Why I choose Chase I choose Chase because it is with in reasonable distance from where i live. Also the interest rates are good. they have good house loan & car loan policy's. Interest Rates We caution you to keep an eye on your fixed income exposure to ensure that allocations are aligned with your risk tolerance and goals. What worked in the past in terms of income and capital appreciation from your bonds and bond funds may not be as effective in the years to come. Bonds or bond funds that investors historically have viewed as “safe,” and which have rewarded investors handsomely for several years, may pose elevated risks to capital. Regardless of the reasons why you own fixed income investments — as a safe haven when equity markets are volatile; as a source for current income; to capitalize on the tax-free returns of municipal bonds; or as a diversification tool to buffer higher-risk assets owned in a broader portfolio — we recommend that you take a look at concentrations of fixed income in your portfolio with your advisor. Your advisor is available to work with you to assess whether the strategies that served you well in the past are still appropriate. Home loan Chase loacation Car loan Your down payment is the money that you pay toward the cost of your new home at the time of purchase. You borrow the rest from the bank as a mortgage. Required down payments could start as low as 5% of the purchase price of the home. A mortgage from the Federal Housing Administration (FHA) could require just 3.5% and a mortgage from the U.S. Department of Veterans Affairs (VA) may not require any money down. You can apply individually or with a co-applicant. Chase offers car loans for new and used cars from a dealership. Also, you can refinance your existing car loan and possibly lower your rate. Whether you drive a small truck, SUV or minivan, Chase has financing options for new or used cars.

Home loan

Transcript: The home loan is the authorization granted to users to carry his home library materials. To use the service, users must obtain credentials issued by the Library. Can I borrow 3 books per user per 8 days, entitled to 2 renovations, a total of 21 days; except copies 1, Collection Consultation, Multimedia Collection, FOEH, Children's Reference and Periodicals. Home loan Once the data are checked, it proceeds to take a photograph to generate the user credential. Requirements to process your credential: * Fill request * User: Proof of address CURP identification force e-mail * The guarantor: 18 years

Home loan Education

Transcript: Building Conditions Security Swap Redraw Facility Variable rate - Interest rate changes depending on the market and cash rate. Variable rates usually provide a variety of features that can add flexibility and encourage borrowers to pay off their loan faster. Fixed rate - Interest rate remains fixed for an agreed period and then normally converts to a variable rate (unless a new fixed term is agreed). It gives borrowers the certainty of knowing their repayment obligations during the fixed term. •Building Conditions allow a NAB home loan to be used for building or renovating a property •BICOE only available on Interest Only loans effective 15 July 2010 (Building in Course Of Erection) •The loan allows for funds to be progressively drawn as the building progresses •Building conditions are available on selected variable rate loans (predominately Interest only) •Funds are progressively advanced at each stage of building construction and on receipt of the relevant construction invoices Interest Types Principal & Interest (P&I) - Under a P&I loan, each repayment pays off the interest charge and part of the principal Interest-Only (IO) - IO loans exist whereby only interest on the principal is paid over an agreed period. At the end of the interest-only period the loan can either roll into a principal and interest loan or a lump sum payment may be made. Repayments are much lower than a P&I loan as there is no reduction of principal. • The Repayment holiday allows customers who are ahead of their contracted home loan repayments to apply for a break in making their loan repayments • The Repayment holiday acts as a waiver of the contracted home loan repayments for a set period of time •Minimum of $2,000 •The Redraw facility allows users to make extra payments into the home loan and then redraw all or part of the extra payment when necessary •A redraw facility has two main benefits; it encourages borrowers to make extra repayments, thereby saving on interest costs over the life of the loan, and also provides flexible access to funds when they are most needed • Security swap allows a change of security on a customer's existing loan effectively allowing them to move their loan from one property to another Home loan Education A home loan is a borrowing that is taken out by one or more people in order to buy a property. The loan is borrowed from a bank or financial institution and the loan and interest amount is paid off over a large number of years.. What is a Home loan? Repayment Types Useful for investors flipping properties - Check o see if you have this function Rate Lock •The Rate Lock feature allows borrowers to lock in the fixed interest rate that is quoted at the time of their loan approval for 90 days •Rate Lock protects customers against changes to interest rates and provides them with certainty as to which rate will apply to their loan at drawdown or rollover Repayment Holiday

Home Loan Research

Transcript: FIRST HOME LOAN THE MORTGAGE Now if you want to rent an Apartment you will have to abide by the apartment complex rules and a realtor. Your living expenses will be less, that's if your single, but if your married and live in an apartment your living expenses will be more because more people that live in your apartment means the living expenses going to be more. Real estate broker - is a person who acts as an intermediary between sellers and buyers of real estate/real property and attempts to match up sellers who wish to sell and buyers who wish to buy. Real estate agent- a person who sells and rents out buildings andland for clients. Seller's agent- is an agent that helps homeowners sell their home. Dual agent- is a real estate broker, or agent working for the same broker, who act on behalf of both the seller and the buyer in a transaction. These different types of payments will include in your mortgage such as... ELECTRICITY PAYMENT GAS/WATER PAYMENT PHONE PAYMENT SANITATION PAYMENT Subdivision homes are great to buy because you are a homeowner. You are paying a mortgage but you can decorate and have a style in your own home because your not controlled by a realtor,but you are going to have rules to abide by from HOA. And you can sell your home for a profit when you want to move and buy another home. SINGLE VS. MARRIED BUYING AN APARTMENT If your single and you buy a home, your living expenses can be less than having a family or spouse. It also depends on what type of house it is and the location of the home. And it can also depend on how much your income is too. Now if your married and you buy a home your living expenses will cost more because if you plan on having kids. And home loans will probably be needed if you need them. By:Isaiah O'Nalty SUBDIVISION HOMES Decription of Realtors

Home Loan

Transcript: THANK YOU! AUB HOME LOAN HOME HOME LOAN... is the driving force behind the residential real estate market. Without a home loan, a large portion of the population would be forced to live in rental houses. Because of this facility, one can be a proud home owner without having to have enormous amounts of ready cash. Since they play an extremely vital role in sustaining the real estate market, it is not only home buyers who depend on home loans, but developers as well. IMPORTANCE IMPORTANCE HOME LOAN is the driving force behind the residential real estate market. Without a home loan, a large portion of the population would be forced to live in rental houses. Because of this facility, one can be a proud home owner without having to have enormous amounts of ready cash. Since they play an extremely vital role in sustaining the real estate market, it is not only home buyers who depend on home loans, but developers as well. PROBLEM PROBLEMS 01. 02. 03. iNCREASING RENTAL FEES SOLUTION SOLUTION APPLY FOR A HOME LOAN COMPETITIVE ADVANTAGES COMPETITIVE ADVANTAGES Strength 1 Strength 2 Strength 3 Strength 4 ACHIEVEMENT ACHIEVEMENTS 20% 42% 27% 80% 100% TESTIMONIALS TESTIMONIALS " " " TIMELINE TIMELINE 2016 2018 2017 2019 NOW Q and A Q and A

Home Loan

Transcript: Home Loan Key Considerations When Applying for a Home Loan Understanding the Components of a Home Loan Introduction to Home Loans Interest Rate Principal Amount Monthly EMI Calculation Loan Tenure The interest rate is the cost of borrowing expressed as a percentage of the principal. This rate can be fixed or variable, influencing monthly payments and total interest paid; a lower rate results in significant savings over the loan term. Loan tenure refers to the duration over which the loan will be repaid. Typical tenures range from 10 to 30 years; a longer tenure reduces monthly EMI but increases total interest paid, impacting overall loan affordability. The principal amount is the total sum borrowed from the lender to purchase a home. It is the starting point of your loan and directly impacts the total interest paid over time, as interest is calculated on this amount. EMI (Equated Monthly Installment) represents the monthly payment made to repay the loan. It is calculated based on the principal, interest rate, and loan tenure, helping borrowers budget for their home loan payments effectively. What Are Home Loans? Eligibility Criteria for Home Loans Age Requirement Income Assessment Most lenders require applicants to be at least 18 years old. Additionally, age impacts the loan tenure; older applicants may have shorter tenures, influencing monthly payment calculations. Credit Score Importance Lenders assess income to determine repayment capacity. This includes salaries, bonuses, and additional income sources to ensure borrower stability and affordability. Employment Stability A credit score of 750 or higher is often required for competitive interest rates. It reflects creditworthiness and significantly influences loan approval chances and terms offered. Lenders prefer stable employment, usually requiring at least 2 years in the same job or field. Stability reduces perceived risk and reinforces borrowers' repayment capabilities. Home loans, also known as mortgages, are loans secured by real property. Borrowers receive funds to buy a home, agreeing to repay the loan amount plus interest over a specified period. Common Types of Home Loans Home loans vary by features, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), and government-backed loans like FHA and VA loans, catering to different borrower needs. Why Are Home Loans Important? Navigating the Home Loan Application Process Home loans make home ownership accessible for many individuals and families. They also play a vital role in the economy by promoting construction, creating jobs, and increasing property values. Documentation Required Steps to Apply Essential documentation includes proof of identity, income statements, credit history, and property details. Lenders typically require recent pay stubs, tax returns, and bank statements to assess financial credibility. The home loan application process starts with pre-approval, followed by submitting the application, providing all documentation, and awaiting processing by the lender. This ensures a clear understanding of loan terms before commitments are made. Disbursement of Funds Approval Timeline Upon approval, funds are disbursed to the seller or the borrower's chosen account. This process typically occurs once all closing paperwork is finalized, ensuring that the borrower gains access to funds promptly for their new home purchase. The approval timeline varies, often taking from a few days to several weeks depending on lender requirements and application complexity. Timely submission of complete documentation can expedite the process significantly. Things to Keep in Mind Hidden Costs Home loans often come with hidden costs, including processing fees, legal charges, and insurance requirements. Borrowers should budget for these additional expenses to avoid surprises that could strain their finances. Default Consequences Prepayment Options Failing to meet mortgage obligations can lead to serious consequences, including foreclosure and damage to credit scores. It's essential for borrowers to understand the risks and maintain regular payments to safeguard their financial health. Many home loans offer prepayment options, allowing borrowers to pay off the loan early, which can reduce overall interest costs. However, some lenders might charge a penalty for prepayment, which must be understood before agreeing to terms. Expert Consultation Suggestions Consulting with mortgage experts and financial advisors can provide valuable insights and help borrowers navigate the complexities of home loans. Professional guidance can assist in making informed choices about the best loan products and terms.

home loan

Transcript: Convenience fixed interest rate starting from 3,61% without processing credit requirement costs without credit insurance cost fixed interest rate for repaiments in period of 20 years without fee for credit maintence fast credit approval after delivering all documents

powerpoint template

Transcript: Nobody knows babies like we do! Quality products . Good Customer service. Every Kid really loves this store.. BABYLOU ABOUT US About Us BabyLou was established in 2004. It has been more than a decade since we started, where we have ensured to take care of every need and want of every child and infant under one roof, true to the caption “NO BODY KNOWS BABIES LIKE WE DO”. Our benchmark is to provide 100% customer service and satisfaction and continue to deliver the same with a wide range of toys, garments and Baby Products. Play and Create We Are Best 01 02 03 Block games Building Blocks help Kids to use their brain. PLAY TO LEARN in Crusing Adventures Our Discoveries Enjoy a sunny vacation aboard a luxury yacht with the LEGO® Creator 3in1 31083 Cruising Adventures set. This ship has all the comforts you need, including a well-equipped cabin and a toilet. Sail away to a sunny bay and take the cool water scooter to the beach. Build a sandcastle, enjoy a picnic, go surfing or check out the cute sea creatures before you head back to the yacht for a spot of fishing. Escape into the mountains Disney Little Princes in Also available for your Babies..... Also... Out of The World… Our reponsibility BABYLOU…. Our Responsibility All children have the right to fun, creative and engaging play experiences. Play is essential because when children play, they learn. As a provider of play experiences, we must ensure that our behaviour and actions are responsible towards all children and towards our stakeholders, society and the environment. We are committed to continue earning the trust our stakeholders place in us, and we are always inspired by children to be the best we can be. Innovate for children We aim to inspire children through our unique playful learning experiences and to play an active role in making a global difference on product safety while being dedicated promoters of responsibility towards children.

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