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Archive for the ‘Loan’ Category

Personal Loans in Australia: Requirements and Tips

It is not uncommon among Australian employees to face different financial struggles in their life. While majority of Australian jobs pay employees decently, many are still incapable of financing their own expenses, much more emergency or unforeseen expenses.

If you are an employee, there will come a time where you would need instant cash to fund certain urgent expenses like medical emergencies. In case you need quick cash without so many complications, then personal loan or instant cash loan is your best bet.

Considering Fast Cash Loans

Compared to applying for bank loan, applying and qualifying for personal loan is much easier and faster. Unlike bank loan application, personal loan application can be done in a few minutes, allowing the borrower to get cash in the shortest possible time. Hence, if you need cash and you need it now, you can never go wrong with instant cash loan.

One of the key benefits of quick cash loans is that requirements are not at all complicated. In order to qualify for loan, you just have to meet the minimum requirements, which are not hard to meet if you have a stable job. The usual main requirements set by lenders include:

  • The borrower must be at least 18 years old
  • The borrower is employed (part-time or full-time)
  • The borrower’s salary is paid through bank account
  • The borrower must be an Australian resident
  • The lender can verify the borrower’s information

Why Instant Cash Loan? 

The good thing about quick cash loans or salary loans is that offers a lot of benefits to the borrowers. First, you don’t have to undergo complex procedures and transactions in order to get the cash you need. All you have to do is to fill out an application and ensure that you meet all the requirements set by the lender, and you can get the cash in few minutes. Second, you will not have a hard time repaying the loan since you are only given an amount that you can pay on your next paycheck or salary. This means the lender will only give you an amount that you can surely pay, preventing you from being in great debt. Third, you can apply for quick cash loans much easier since many lenders offer services outside banking hours. Hence, if you need cash in the wee hours of the evening, you can get from a trusted lender in your area. Additionally, many reputable quick loan companies in Australia have already online capabilities, allowing borrowers to apply and get the cash through electronic means.

Points to Remember 

In order to have better transactions with personal loans companies, there are few reminders that you need to know. Lending companies are regulated in Australia. There are various laws that ensure the rights and interests of borrowers. These laws prevent lending companies from imposing extremely high interest rates and fees. You can borrow from online cash loans companies. Personal loan lending companies have adapted to the web culture by offering services online. Lending companies may not only be found in streets and buildings but online as well. These companies process applications online and transfer cash via electronic means.

Trust only reputable lending firms. Unfortunately, there are online cash loans companies that do not provide quality and efficient services to clients. If you will apply for personal loan, make sure that the lending company you will deal with has good track record and maintains a decent reputation in the industry in order to avoid being scammed. Instant cash loan can be a great help to employees facing financial struggles since it can serve as leverage until their next paycheck.

Pending Home Sales Rise in March

March showed another sign of improvement in pending home sales as contract activity rising unevenly in six of the past nine months, according to the National Association of Realtors®.

The Pending Home Sales Index rose 5.1 percent to 94.1 in March from a downwardly revised 89.5 in February. The index is 11.4 percent is still below 106.2 in March 2010.

The data reflects contracts but not closings, which normally occur with a lag time of one or two months.

Lawrence Yun, NAR chief economist, said home sales activity has shown an uneven but notable improvement. “Since reaching a cyclical bottom last June, pending home sales have posted an overall gain of 24 percent and demonstrate the market is recovering on its own,” he said. “The index means modest near-term gains in existing-home sales are likely, which would be even stronger if tight mortgage lending criteria returned to normal, safe standards.”

Source: NAR

SBA Issues Disaster Loan Declaration for Florida Counties

Pinellas County, FL (April 8, 2011) – The Small Business Administration (SBA) has issued a disaster loan declaration for Pinellas, Hardee, Hillsborough, Manatee, Pasco and Polk counties based on the impact of the March 31 tornado outbreak. This clears the way for low-interest federal loans to affected business owners.

Under this declaration, qualified businesses may be eligible for business disaster loans to repair or replace disaster-damaged real estate or property.  SBA can also lend additional funds to businesses to help with the cost of making improvements that protect, prevent or minimize the same type of disaster damage from occurring in the future. Importantly, this declaration also makes available the SBA’s Economic Injury Disaster Loan program to eligible small businesses and most private, non-profit organizations of any size to help meet working capital needs caused by the disaster.

Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition. Loan applications for physical damage can be filed until the close of business on June 6, 2011, and economic injury applications can be filed until the close of business on January 9, 2012.

Source: PCed.org



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