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The Smart & Easy Guide To Loans: The Complete Guide Book To Your Credit Sco...
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6 available / 1 sold
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eBay item number:184093015682
Item specifics
- Condition
- ISBN
- 9781493558476
- Book Title
- Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans
- Item Length
- 9in
- Publisher
- CreateSpace
- Publication Year
- 2013
- Format
- Trade Paperback
- Language
- English
- Item Height
- 0.1in
- Genre
- Business & Economics
- Topic
- Personal Finance / Money Management
- Item Width
- 6in
- Item Weight
- 4.7 Oz
- Number of Pages
- 52 Pages
About this product
Product Information
Financial lending is what makes the world go 'round. We rely on loan providers to extend us lines of credit for a variety of reasons. From a mortgage, business loan, student loan for education or even a car loan, the bulk of our major purchases are bought on lines of credit. Today's world of finance is as confusing as ever before and getting a loan for the first time can see like a headache-inducing and daunting challenge.In The Smart & Easy Guide to Loans, we are provided with all the information we need to truly understand the lending process. From what we'll need before we even apply for a loan, the basics of the different types of common loans, as well as things to avoid, this guide provides accessible information that helps to simplify this complex process.The guide begins by laying out the information one will need to know before even applying for a loan. One will need an in-depth understanding of their financial situation - from debts to assets and income - so as to determine whether or not they will even be eligible for said loan.Outside of a detailed understanding of one's income and assets, financial standing is probably the most important element when applying for a loan. The guide discusses the importance of the credit report, which is used as a key determining factor in whether or not to extend someone a loan.When it comes to credit score, the guide recommends the following strategy:Obtain the credit reportCheck it for accuracyDetermine the health of the credit scoreIf the credit score needs improvement, create a plan of action towards paying off debts and raising credit score as fast as possible.Different Types of Loans and Eligibility RequirementsLoans are extended for a huge number of reasons and one's eligibility depends on credit score, income and assets, as well as the type of line of credit being extended. The most common types of loans are mortgages, student loans, business loans, car loans and credit cards.Mortgages are home loans and, outside of business loans, are likely the largest line of credit one will apply for in their lifetime. This line of credit is one of the more difficult lines to obtain, as the size of the loans is so much greater than an auto loan or credit card. One must have a good credit score, strong financial standing and must be able to demonstrate the ability to effectively manage the terms of the loan.Student loans are often dependent on the financial history of the parent. However, some loans can be extended to students with little to no credit, as well as little to no income or assets.Car loans and credit cards are much more variable. The terms of lending often vary from car lot to car lot, or credit card company to credit card company. For the most part, consideration is given to credit score, income and assets, debt load and the price of the vehicle or the amount of credit extended.Loans and Financial Schemes to AvoidWhile credit does make these large purchases possible, they are not all good ideas. There are a number of financial schemes that are best avoided at all costs. Payday loans, or advances on one's paychecks, are a form of quick loan that often lead the borrower into a viscous cycle of excessive interest rates and a continued loan cycle. These are best to be avoided as the turnaround time on repayment is often incredibly short and the amount of interest charged on the loans is so dramatically inflated.Getting a loan is, for many, an incredibly confusing and even scary experience - but it does not have to be. With The Smart & Easy Guide to Loans, one is provided with all the information they need to understand the lending process, as well as how to determine their eligibility and what financial tools are best avoided. This guide arms readers with the knowledge to make informed decisions about their finances and secure loans for the big purchases in life, and to do so as affordably and simply as possible.
Product Identifiers
Publisher
CreateSpace
ISBN-10
1493558471
ISBN-13
9781493558476
eBay Product ID (ePID)
175177085
Product Key Features
Book Title
Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans
Format
Trade Paperback
Language
English
Topic
Personal Finance / Money Management
Publication Year
2013
Genre
Business & Economics
Number of Pages
52 Pages
Dimensions
Item Length
9in
Item Height
0.1in
Item Width
6in
Item Weight
4.7 Oz
Additional Product Features
Target Audience
Trade
Item description from the seller
Seller assumes all responsibility for this listing.
eBay item number:184093015682
Shipping and handling
Item location:
USA, United States
Ships to:
United States
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APO/FPO, Africa, Alaska/Hawaii, Asia, Barbados, Bermuda, Canada, Central America and Caribbean, Europe, French Guiana, French Polynesia, Greenland, Guadeloupe, Libya, Martinique, Mexico, Middle East, New Caledonia, Oceania, Reunion, Russian Federation, Saint Pierre and Miquelon, South America, Southeast Asia, US Protectorates, Ukraine, Venezuela
| Shipping and handling | Each additional item | To | Service | Delivery*See Delivery notes |
|---|---|---|---|---|
| Free shipping | Free | United States | Economy Shipping | Estimated between Wed, May 29 and Mon, Jun 3 to 43230 |
| US $6.95 | US $6.95 | United States | Standard Shipping (UPS Ground) | Estimated between Wed, May 29 and Fri, May 31 to 43230 |
| Handling time |
|---|
| Will usually ship within 3 business days of receiving cleared payment. |
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Return policy
| After receiving the item, contact seller within | Refund will be given as | Return shipping |
|---|---|---|
| 30 days | Money Back | Buyer pays for return shipping |
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n***n (616)- Feedback left by buyer.
More than a year ago
Verified purchase
Needed this!! Fast shipping thanks!
o***o (94)- Feedback left by buyer.
Past 6 months
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A pleasant overall experience! They had a rather hard-to-find book on Persian calligraphy for a good price and free shipping. The status said shipped before any tracking was uploaded so I messaged them the next day to ask them to provide a tracking number. They never responded, but tracking was added to my eBay details that night. It took about five days to get here to Los Angeles from LaVergne, Tennessee and came in a strong, secure envelope. The book was in good condition and as described.
t***c (1639)- Feedback left by buyer.
Past 6 months
Verified purchase
Lovely, quirky Edward Gorey coloring book exactly as described in the listing. Fast shipping and packed well with care to survive its potentially perilous postal journey without damage. Smooth transaction and great communication from this highly recommended seller. A+eBay experience!
s***f (2651)- Feedback left by buyer.
Past 6 months
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🌟𝕋𝕙𝕒𝕟𝕜 𝕪𝕠𝕦 4 ⚡Fast 🚚 on Houdini Pitchbook📚A wonderful and super seller!🌟 Thank you for careful packaging as the 📚 came in perfect condition and VERY FAST too! 📪 Great communication and easy to work with🌟Great price and quality item! ❤️️ FREE Shipping 🔆𝕋𝕙𝕒𝕟𝕜 𝕪𝕠𝕦 💵sd
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