home loan

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Which HOME Loan is Best LIC/HDFC?1cedric benson2017-09-22 01:01:19
I have pre approve letter of 2 Home loan bank LIC & HDFC. LIC Rate of Interest Rate : 8.25 (may be increase after 3 month) HDFC Rate of Interest Rate : 9.25 (Factor -4.50 Given in Letter) Now I am confuse please help me to choose[View Answers]
Shouldn't Sen. McCain change and say he will fight to keep the people in their houses, instead of bailout?0res2012-11-06 09:06:03
buying property is a gamble, never know when undesirables might move in and drop the property value. He stated he would devalue the homes nad allow the people to stay in them, wouldn't the best thing to do is to allow them to pay the payments they have been paying, but extend the loan to include the balloon payments, but at normal mortgage payments they can still afford and have been paying. Granted it's the same amount they owed, but they still have a house, the lender gets the money, the owner still pays what they been paying and the value of the market will come back one day. [View Answers]
Is it a good idea to incorporate auto loan into a mortgage?0Ken!2012-11-06 09:05:33
I have no other debt besides my auto loan for my truck, which is $500/month. I have 4 years left on this loan. I would like to buy my first home this year or the next. My credit score is above 720, there are no negatives on it, and I make $35k/ year. What are my options? Can I ask the mortgage lender to include the truck in with the house payment? Or if I can get approved for one, should I try and get the mortgage without incorporating my truck payment with it? I know the BEST thing to do, would be to pay off my truck first and THEN look for a house, but I don't want to wait 4 more years to buy a house :([View Answers]
Individual Sanctions (Divestment) on Israel the Best Way to Respond to the Freedom Flotilla Massacre?0Shikher Kapoor2012-11-06 08:44:36
I'm just saying, Israel is a rouge state and its Zionist policy has infiltrated this country. The people don't have a voice anymore. Perhaps the only way that good citizens can stop this regime is by controlling the money (aid, capital, business) flowing into that country. I'm all for international sanctions, but the United Nations and NATO doesn't have the balls to STAND UP for the Palestinians and STAND UP to Israel. The American News Media is a joke. The American Government is a joke--and I say this as an Obama supporter (I like the man, but he is a shill for the Zionist lobby...Just like Bush, Cheney, and most of the "conservative" party). For the first time I am realizing that this country's potential is being strangled by the Zionist agenda. Our voice (government) has been co-opted by corporations, and the media (controlled by a few capitalists). I'm not an antisemitic (Jews and Palestinians are both Semitic),but I HATE zionism. It has been a plague. As an African-American, I would rather deal with a Southern racist, backwater, skank, than a Zionist...Why? Zionists have no honor. They're cowards and, often, liars. And that's the problem-- Israel is a country controlled by mad cowards and liars....Armed, mad cowards and liars. Thus, the only way to control them is for the American people to stop sending their $$$ to Zionists (whether those Zionists are Israeli, or are calling themeselves "Americans"). The bottom-line is that corporations control the government. If those corporations are Zionist (fascist), then government policy will be as well. Ironically, it was Mussolini who once said that the corporation was basically the best example of fascism. Zionist policy is an extension of fascism and has infiltrated the corporation, which in turn have influenced government policy (from Big Oil to Catepillar to Boeing). American Foreign Policy creates chaos, which translates to profits for American Corporations, which are (primarily Zionist run). I hate to say this but, the only way to control Israel's Zionist Policy is to curb American reliance on the corporation. That means: *NO Home Depot *NO Wal-Mart *NO Sara Lee, Coca Cola, Pepsi Cola, Starbucks, Minute Maid... *NO Newspapers from Murdoch, or the NYT, NO Fox or MSNBC (strictly foreign media and local news-- limited AP stories) *Buy LOCAL food from LOCAL Farms (to support LOCAL BUSINESSES and LOCAL PEOPLE) *READ BOOKS (to form your own opinions) instead of WATCHING regurgitated NEWS MEDIA. *Try to eliminate reliance on loans (indebtedness to corporations). *Recently, I quit Myspace because I discovered Rupert Murdoch had bought it. Who knows, Yahoo! might be next... *If you can start your own business, and free yourself from reliance on the corporation. * Transition to local banks and invest at a community level... Agree?[View Answers]
How to buy an home in London?0David Monroe2012-11-06 07:06:06
Hi, we are an italian couple and we want to buy an home in London. We need some information about how to do it, what are the best estate agents, what are the best and economics zones and how to do an home loan... thanks for your help bye Elisa & Simone[View Answers]
What is the best way to save money after the wedding?0Harlee2012-11-06 06:41:24
My Fiancee and I are looking to get married in April of 2009. Starting in december of this year, he will be finishing with school and his current job has offered him a job at 55,000 a year. I will still be only making about 15,000 at the time. Our wedding right now looks like it will be costing us about 30,000. We will be able to afford the wedding/honeymoon without having to take out a personal loan. However, this means that we might have to live with my parents for a few months to save money before we go to find a place of our own. He likes the idea of living here together for a while becuase it will give us a chance to get organized and pack the things that we are going to take/get rid of the things we will not take. etc... plus, my parents would not charge rent of any kind. The other option is to find somewhere to rent.. Is renting a better idea? I dont see how it is possible to save money for a home while renting. Any suggestions would be helpful.[View Answers]
How can we get this house? Cosigner for a home loan?0Bea2012-11-06 06:00:23
We found a home that we love, but have just barely started the process of being approved for a loan so we are not sure of what we are qualified for. We know that we can afford the monthly payments of this particular home even after everything is included, but we don't know if we'll actually get approved for this amount. What is our best option for trying to buy this house? If we had a cosigner who earns more money than us, and has excellent credit, would it help us be approved for a higher loan amount?[View Answers]
FHA prequalification---how soon should I see if i can get pre approved?0che2012-11-06 04:58:37
I am looking into maybe finding a home to buy for the first time, within the next year. When is the best time to see if I am preapproved for the FHA loan? Does the pre approval expire? What kind of time line should I follow? Thanks![View Answers]
I am wanting to get a loan on my home that I own and don't know what type of loan is best for me.?0Theresa Brown2012-11-06 02:26:05
I need to pay for credit cards and other colection agencies that I owe. My home is worth $100,000.00 and I need a loan for around $3,000.00. I want a fixed rate and low payments. Please HELP me![View Answers]
Would someone explain to me how, even why they think this is gonna work?0Karrie2012-11-06 00:24:31
How did the government bailout to the finance institutions help the economy? What good does it do to throw money back into these institutions, when people are unable/unwilling to apply for a loan for anything! I know I'm not a "brainiac", but wouldn't it have made more sense to give that money to the tax payer? Isn't it ultimately the tax payer that effects the economy? If we aren't spending, manufacturing slows down/stops [i.e., the auto industry, the trailer industries]; if we aren't spending because we can't get a loan [i.e., foreclosure, judgments], why give all that money to lending institutions that are not loaning it back out? Does no one else see the cause and effect here? You give money to lending institutions that aren't circulating the money; you give money to GM and Ford to produce a product that people can't purchase, because the lending institutions aren't lending... Help me out here! I'm not looking for a handout. I don't need to be rich, nor do I want to be. All I want is to be able to pay my bills on time, have some tucked back for emergencies, and some available for other necessary expenses. I honestly believe that is what most American people want. Wouldn't it make more sense to put it out there where it's going to actually stimulate the economy? Most people I know [myself included] would: A. Pay their mortgage to current, or pay it off, which would keep people in their homes and stimulate the lending institutions. B. Pay off any other outstanding debt incurred from this crisis [such as credit card debt], because we couldn't afford to fill the tank plus feed the family. C. Pay cash for a more economic vehicle, no matter what the price of gas is doing at the time being. We've learned a lesson here. That would have circulated the monies for the auto industries. I'm not in any way looking for a handout. I, just like all tax payers, am dealing with this crisis the best way I can, which is going without the things I do not need. I just wish I could understand how the government can justify these bailouts, when, in actuality, it isn't going to be effective one way or the other until the middle class feel comfortable enough to start spending.[View Answers]
Would you do this for a friend?0ehler2012-11-06 00:19:53
So this is my first semester at college. And in our dorms we so not have roomates, but we do have neighbors that basically act like the same thing. Anyway where I go to school is 8 hours away from home and it's been really hard transitioning to the new school, I'm a transfer student, so it's been harder to make friends than it were if I was a freshman. Well my one neighbor who is basically my best friend at school has really helped me through a lot. His name is Matt and he has not only helped me to feel welcome, but also has helped me to make new friends. Him and I do a lot together and one activity we both like very much is hockey. We love watching games together and quite often will order a pizza and do just that. Well I mentioned months ago that we should go to a game, and he thought it would be a good idea. So since then I've been looking into it and got ticket prices and everything. Well when he saw that the cheapest tickets were like $120 each he said he could not afford it. I know it's pricy but I think it's reasonably cheap for a sports game. He's never been to a hockey game before nor any sport for that matter. And he's had a rough year with 2 relatives passing away, and to top that he is taking 21 credits. Now I got a loan for this semester and have just about enough to get me by for the remaining two months and to buy both tickets for the game. Do you think I should do it? I think it's a good investment but I'm a little nervous about spending $240. Do you think it's worth it? Idk I'm just trying to get some insight. Thanks :)[View Answers]
Will I be denied temp custody of my 11 mo old niece bc my apt is small?0sharmeka2012-11-05 23:19:05
My 11 month old niece needs help. She is being neglected (not changed, bathed, fed, or played with- unsupervised half the time), abused (mom hits her face, pinches her, slaps her extremeties and yells at her NO for everyyything, even crying bc she is hungry). Several other family members have witnessed my sister hitting my niece & will tell social services, or placing her in dangerous or neglectful situations. Its time I call social services. Let me first say that when she got pregnant, she was 19, and the 'father' was on work release from jail- my sister didnt want a baby, she wanted to 'play house'. He hasnt spoke to her since she was 6 months preg & has since been put back in jail for a DUI. His family has been notified that the baby is his, and they have done nothing to make contact with her or the baby. Her birth certificate says "Father Uknown". My sister has refused parenting classes from day 1. She believes colds/sickness are a result of teething, not that she doesnt dress her right or has her out till 2am at diff guys houses- and refuses to bathe or change her reguarly which results in sore/red bottom & veginal area. If SHES not hungry, neither is the baby, if SHES not cold, neither is the baby- her phrase of choice when offered help? "Shes fine". Doesnt listen to advice from family/doctors/anyone. My sister has had in EXCESS of 20 bf's (no joke) since the baby has been home from the hospital, most who have criminal records. The baby fell off the bed when she had her at one guys house bc she wasnt watching her and got glue stitches in her forehead. My sister/baby resides with my mom. My mom is no more emotionally or physically able to take care of an infant (shes erratic, just as absentminded, & manipulative and on SS disability)- but she likes the attention the baby gives her. I believe she would fight me for the custody of the baby even though this would NOT be in the best interest of the baby bc she would still be in the same environment. Orginally from the time she was 6 months pregnant to the time the baby was 2 months old, my sister wanted to give me & my husband custody right when the baby was born. My mom told my sister that she would need to find another place to live then if she didnt have the baby, and since my sister wants nothing to do with working or supporting herself (hence all the bf's she has) she retracted her offer (this is after we already went to lawyers to start the process). My Questions: 1) When I make my report to Children & Youth & offer myself and my husand for temp custody placement what are the criteria? We currently live in a one bedroom apartment VERY SMALL...there IS a second room that we use as a living room, but does a baby need to have their OWN room? Can I split the second room into a half nursery or make it a full nursery? Do I NEED a living room? 2) Do they look at my finances? I currently have 30k debt bc of college- credit cards and perosnal loans from banks to cover my apartment/books/food etc since I moved out of MY abusive household when I was only 16 I had to put myself through college. REason we are in the small apt is bc it is RENT FREE (family owns it) & we are trying to pay off debts to get a house..My husband works full time, as do I, and we make a combined income of appx $65k/yr 3) Does my mom, as the babys grandma, and since the baby has lived there since she was born have MORE of a right to my niece than myself? I cannot stress enough how horrible an environment my moms house is. ANy and all advice/input on this would be extremely helpful[View Answers]
What is the best way with no credit but a great down payment to buy a home?0adonis2012-11-05 23:15:13
I have $15,000 to put down on a house. Banks won't give me a loan because they say I haven't established a credit history yet.[View Answers]
Do you *have* to wait 6 months before taking out a home equity loan?0a person2012-11-05 23:11:40
My husband and I are in escrow for a house. We would like to remodel the kitchen with a home equity loan (we are buying the house for well under the market value). Is there any way to take out a loan on part of the equity before 6 months?[View Answers]
Should I stay while my sister has her baby?0oshane2012-11-05 22:39:47
So I recently moved home, my sister is going to be having a baby in a couple of months, but I got a job offer in another state. I have school loans to pay back soon and need this job. But on the other hand I feel horrible because if I leave, I won't get to spend as much time with my niece. So do I leave out of state and miss the baby, or do I give up the job that could be really great to see my sisters baby be born? I feel like I should be here for it, but at the same time I need to do what is best for me in the long run. If I stay here for the baby, I would be passing up a really good job offer and may never get it again. Then I would be stuck where I am now trying to find work. It's a hard decision.[View Answers]
Am I overreacting about my dad's poor parenting?0p2012-11-05 21:29:49
Okay, so this is my situation. My boyfriend and I currently live with my parents in a nice home in a nice part of Long Beach. My "dad" is a very greedy person, he mainly only cares about money. Our house was payed off, but he took out $200,000 from the house and gambled it away at a casino; then less than a year later he took out more money, nobody really know what he did with that money, but we're assuming the same thing. Now, we have $200,000 equity on the house, and he sold the house and we all now have to move to Moreno Valley where he bought a piece of **** house in full so he wouldn't have to pay a mortgage anymore. Moreno Valley is not only very dangerous (infested with drugs and gangs), but an hour and a half away from my school and my boyfriend's work. I'm currently 30 weeks pregnant, and about to graduate high school in August. My boyfriend and I are trying to look for a place to live (thankfully my mom is leaving me with $20,000 to put down on a condo), because my boyfriend does not make much money and we will be struggling greatly. I thought that the best decision was to move to a state where the living cost is much cheaper, but they're not going to give us a loan if my boyfriend doesn't have a job. My parent's are going to have about $30,000 leftover from the house, and I asked my dad if I could have $5,000 so that my boyfriend and I could get an apartment until he can find a job, but my dad said "i'm not giving you a f*cking penny!" Although that money is legally half my mom's, I still had to ask my dad because my mom has no control over him and she already knew he was going to keep all the money for himself. My mom has tried to fix things, she even got $60,000 from here mom in Italy so that she could send to the bank to lower the mortgage payments, and instead of sending it my dad kept it in his bank account and decided to live off of it, and it still somehow only lasted about 8 months. I feel very stressed out about this whole situation because my dad feels that he has no responsibility to pay for basically what I need to survive, although i'm 17 and still legally his responsibility. I just don't see how my father could be so cruel to his daughter when I clearly need him to survive.[View Answers]
Why would i pay interest only on a home loan?0chucke2012-11-05 19:44:57
As opposed to paying principle and interest? I know what the difference is, i was just wondering what the benefits of paying interest only are and vice versa. Im in Australia, if that makes any difference. My partner and i are looking into purchasing our first home when i got back to work after finishing maternity leave. What is the maximum loan term for home loans in australia? There was talk of 'lifetime' loans becoming avaliable, but i havent seen any yet.[View Answers]
What are the options for a loan when buying a home?0betsy miller2012-11-05 18:06:55
I have been approved for an FHA loan but it is limiting the homes I can buy. Do other loans allow you more flexibility. Are there others I could be approved for. I have a low income and am on social security[View Answers]
Questions about private mortgage financing through a family member?0Limuel2012-11-05 17:22:31
I am interested in propositioning my grandparents to buy a home using their cash, and me pay them back. I am aware this can be setup using an escrow service, and establishing financing terms. The current AFR is 4.44% for long term Feb. 2010 loans. Therefore a mortgage rate of 4.5% would be acceptable for this scenario. While paying my mortgage back, is my interest tax deductable? Will my grandparents be taxed on the interest received as income? If I dont deduct my interest on my taxes, would they still have to pay income tax on the interest received? Does anyone have any tips on the best way to set up a private mortgage scenario? Thank you[View Answers]
What does sharing a home title with my mother mean for me?0chabelo2012-11-05 16:30:37
Hi, I will soon be purchasing a home for my mother for half the appraised value. The loan will be in my name although my mother insists both our name be on the title. What does this mean for me should there be any dispute to the rights of the home later? I must add that me and my mother have a very rocky relationship.[View Answers]

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