Im completly new at doing loans for hsbc, is it going to get easier?? Im so confused? someone help :)?
966780
Only through experience.  I am a mortgage professional too, with another company.  I'm still pretty new at it;  a lot of it is plain dumb luck.  The other half is getting the borrower to qualify under all the terms of the loan (income, credit, appraisal, w-2, DTI, etc).  It is extremely hard sometimes, and you get a lot of "fallout".   And, it depends on your compensation as well.  But as far as terminology and correspondent lenders, qualifying and amortization, those "complicated" things get easier over time.
324322
If you haven't consolidated your loans already then do so before July 1 as interest rates will be going up.  Plan at least 6 weeks to make that happen.\n\nThere are a number of pay back options including ones that are weighted to be smaller early in the payback period with larger payments later.  You can also extend payments for 30 years or select a program that is income dependent.\n\nYou could consider working in a State underserved area or for the federal government or sometimes there are even private arrangements.  Try the 3R Network.  You could also consider the IHS or NHS.  I have heard some horror stories associated with both of those last two organizations, however.  I would be sure that you really wanted to practice some place before I accepted one of their assignments.  My sister found a place that reimbursed her for her loans in exchange for a five year committement, meanwhile she is earning nice bonuses with the practice she works for.  Good luck.
6576
Find a 12 month CD. If you can go without touching it for that while.. \n\nINGDirect and HSBC have 3.5-4% intrest savings accounts. May want to try those.\n\n* My opinion not intended as gospel for finacial risk, gains etc... Otherwise don't blame me if the market crashes or something esle happening.
159834
hereisyourwayoutofpaydayloans\nPayday debt[how to get out]\nWe first got into the loan because we needed car repairs and didn’t have enough money then someone told us we could get a payday loan.  We went to the payday store and it was so easy just needed to provide a bank statement, pay stub and post dated check for two weeks, my next payday, $575.00 they handed over $500.00 cash.  We really thought we would be able to pay it back and that would be that.  Then when payday came along $575.00 out of it would be hard as we were already living payday to payday.  We went back to the payday store and were told we could just pay the $575.00 cash then re-borrow again that sounded good we just didn’t think of the very high interest rate.  So if you borrow every two weeks at $75.00 interest for 26 weeks that equals $1,950.00 in a year.  So when we would re-borrow that would not  cover all of the bills because we would be short the $150.00 from the interest so we went to the next payday store to cover the monthly bills then we found we needed more money for some other need.  Then when we needed to pay off that loan we were short so we had to go to another to cover that loan then another and another before we knew it we were into four paydays per month.  Here is the calculation $75.00 x 4 loans =$300.00 per two weeks x 26 weeks per year $7,800.00 x 3 years $23.400.00. Paydays are suppose to be a happy time but when you are into them like we were it is a nightmare and very stressful, robbing Peter to pay Paul, running from one store to another. What was amazing is as I was going from one to another I would see the same people at each store, sad but true. \nOur website is hereisyourwayoutofpaydayloans
895541
I have an account with ING direct, but I've since abandoned it in favor of Emigrant Direct and HSBC.  I was very pleased with ING, but their interest rate on savings is no longer competitive.
511733
Depends.  There should be an explanation as to what those details are (interest payments, fees).  Call your bank and ask for an explanation if you still don't understand.
1002504
The more you apply for & get turned down the worse it looks on your credit rating.\nThe best option for you is to take out small loans & pay them back preferably early as this will improve your credit rating do this 4 or 5 times & your credit rating will improve a lot.\nThe only companies that deal with unsecured/low or no credit score will charge an extremely high rate of interest & I mean high, for example Provident charged a total payback of £534 on a loan of £300, Welcome Finance are owned by Provident also now & most people get accepted by them because the payback is so high
97461
Banrate.com is a good source for info. I also use ING Direct, the Orange Account is currently paying 3.8% (4.25%) on new deposits through May, I belive). I also hear good things about HSBC Direct.
862857
Loans for projects, are a bit \nexpansive. There are many \nother routes avaiable to raise\nfunds for new or expansion\nof existing projects.\n\nI had raised funds for two such\nprojects.\n\nI may not give you one word/line\nanswer. I need to know the details\nfor giving you a proposal, to raise \nfunds, cheaper than the banking\nindustry rates.\n\nIn case you feel, you can get back\nto me at :beeanu15@yahoo.com
959699
i know lots of people that have paid brokers fee's and got the loan. The brokers usually refer you to a company called Welcome finance, or London Scottish. My friend paid the brokers fee and asked for £5000 and got £2000, so i rang the company directly( welcome finance) and applied for a loan of £5000 and got £2000 without paying the brokers fee. \nThe brokers are just the middle person, but the yellow pages or 192.com can be your middle person-cos thats all the broker does-give you the number
245224
If you have the money, it is easy. But if not and you will ask for a loan, it will be hard and you may not be able to get the best terms of the loan. You will have little to no credit history, and that is always an impediment.
563553
Chances are the broker is not being completely honest with you. He quoted you an initial rate of 8.5 and if he a good enough he will do what he can to get you that rate. Brokers tend to overstate the loan interest rate initially to make money on the "back end" of the transaction know as points or Yield Spread Premium. This is money they get from the lender to sell you the higher rate rather than giving you the lowest rate possible. Ask your broker if this is the case. If so explain that you are looking for the lowest rate possible and his job is to get that for you. \n\nIt sounds like a difficult situation in generally and if he was able to get you a loan in the first place it seems he did his job. Paying $3000 in fees is quite reasonable as I would charge you maximum Federal allowable fees if I knew that the situation is as hard as yours. People that are not in the lending industry tend to think that their broker just collects paperwork from you and sends it in to the lender. There is actually a long drawn out process to get things approved by lenders and with a situation like yours it tends to be more work as there are more conditions from the lender and you don't always get approved with the first lender your file gets sent to and could take many hours processing the loan.
1091615
Hi\nYou may have trouble in getting an unsecured loan for $30K.  I am a loan officer at a bank and when it comes to most debt consolidation loans, they are unsecured -- meaning no collateral.  This being so, unsecured loans are not real big loans.  You could do this as an equity loan against your house (or your friends, i mean).  Once there is collateral, the terms involved get much "friendlier:"  Good Luck!
51906
i really tried to answer but i ve no clue. all i know about hsbc is that the y have an atm in our vicinity and i go there from time to time to draw money.\nby the way, i like the way you ask and answer quesions. i would be grateful if your write to me at johnsibling@yahoo
275990
OK listen up...Just bought a house. We needed 100% financing because we just didn't have a downpayment but needed to move...We don't have horrible credit..but it could be alot better...We spoke to several different mortgage brokers who all said "Sure no problem"  Well let me tell you this...they will promise the world but what it comes down to is that you will end up paying something one way or another.  There are alot of things that can happen.  We ended up paying $18,000.00 for closing costs, attorney's fee's (or title company fees) you have to get title insurance, homeowners insurance, deposits,etc etc.  There are a million and one things that "pop up".  So even if they tell you it can be done....don't believe them!
192229
the easiest way to do that is to add in some cash and refinance as 1 mortgage.  Whoever gave you the 2nd loan did something that really didnt help you out at all.
118828
Well you should ask first of all for a good faith estimate from each lender, to see which one of the is giving you a better deal. You also need to know if they're giving you a pre-payment penalty, If so for how long. (average pre-pay is about 2 years, unless you have really bad credit) If you have Excellent credit you shouldn't get a pre-payment penalty. thae situation varies depending on your Fico Score. Also Find out how many points they're charging you up Front and if they're getting anything back form the lender after close of escrow. All this matters because. Also if you're financing 2 new loans make sure that they're Fixed, so that your monthly payment doesn't change every month. Also HELOC's loan interest rates change every month, and the rate is going up, which means that your payment will also go up.  So be very careful about this.