 I bet no one can answer this!? |
| Well, my dad was pretty sick for the last two days and hasn't gone to work for 2 days. He works for KBR and I wanted to know if he lost his salary for those two days. Did he? Thanks in advance!... |
|
 Is it bad for my credit rating if i close down a bank account or savings account? |
| i have 2 bank accounts and i only ever use one, also i have acquired 3 savings accounts over the years and only use 1 so i want to close down what i dont need, should i really be doing this?... |
|
 I want to buy a home in about 6 months and have bad credit, where do I start? |
| My girlfriend and I have very low credit due to an issue that is being cleared up now. I should have better credit and cleared up debt in 6 months if things go well, but not great (not enough time). ... |
|
 I have $15,000 saved, what should I do with it? |
| Other than, say, buying 15,000 easter eggs?... |
|
 How do I make $30 fast? |
I'm saving up for a new ipod and I am $30 short. Could someone give me any idea's on how to make $30 and dont say babysitting, mowing lawns, car wash, and selling stuff at a store.
THAN... |
|
 What is the difference between a DD and a cheque? |
| What is the difference between a Demand Draft and a cheque?... |
|
 What are some GOOD money saving tips? |
| I am planning a vacation, and I am giving myself about a year (not set in stone) to save and plan. Do you have any good money saving tips? I want to open a saving account that I don't have an ATM... |
|
 Am I on the right track finanically? |
Have a 401k plan at work,
Opening a savings account at a credit union. What purpose will this serve other than to save for emergencies?
When I have enough money, I will open a ... |
|
 How does everyone do it? |
| I just would like to know. I live an average lifestyle, I drive older cars (1999) but they are paid off and no credit cards but one for emergencies that only has a $200 balance. I have no new debt ... |
|
 Credit Cards? |
| Hi I have a questions here i lived in Singapore and i have credit problems hence all my credit cards applications was rejected. is there anyway that i can apply a credit card? as i need a card for my ... |
|
| Will my check bounch ???? |
| If I was to write a check Sunday would it get to the bank before Tuesday the 3rd ???? can some one please tell ... |
|
 How can I get rich?? |
| Im a 25 yr. old girl that is a bartender.....I make ok money but I need something else.... Im struggling I just bought my own house a yr. ago and its 1200 a month. Am I crazy?? I don't want a ... |
|
|  |
hedda | When applying for a personal loan at a bank what things do they take into consideration? |
My b/f wants to buy me an engagement ring but he has school loan debt, and a few other loans that he needs to pay off. Do you think they will give him the loan? |
 |
 
idiot detector
|
It depends on how much he wants to borrow and how an interest rate he's willing to pay (the riskier he is as a credit risk, the higher the interest rate will be.)
He needs to be able to show current employment (usually a couple of months of paystubs will suffice); needs to list all his debts (that is credit cards and everything else for which he owes money); needs to have sufficient income to cover his basic living expenses in addition to being able to repay the loan; needs to be able to explain satisfactorily any bad stuff in his credit report; has to have a stable employment history and length of residence.
Why do you want to start off your marriage so far in debt? Save up for the ring and then buy it. Is he wanting to buy you the ring or are you pressuring him into buying you a ring?
The alarms are going off either way....he shouldn't be wanting to pile up debt and you shouldn't be wanting him to pile up debt. |
|
Gayle
 |
They look at debt/income ratio along with his credit report. If he has enough income to cover his debts, and no slow payments along with an established credit history, he should be fine. |
|
Doctor Hand
|
There is only one thing the bank takes into consideration - will you pay back the loan?
To determine that they look at everything that is relevant.
1) Do you have an income?
2) After you pay your monthly bills is there any money left over?
3) Have you had a loan before? Did you pay it back?
You said he has loans that he NEEDS to pay off. If he has missed payments and fallen behind then it will be difficult to get a loan from a bank.
What about a credit card? They will give those to almost anyone. |
|
yums
 |
read more tips on loans and credit on this site |
|
awesome_eo
 |
It depends on how good his credit is. Normally places will give a credit card and you can pay it back to get the ring. To get a personal loan they look at the credit, your income, things like that. Good luck and Congrats! |
|
♥SassyBlonde♥
|
It depends on things like credit score, length of employment, income, etc. |
|
lexiann721
|
They'll look at his employment history, his overall credit rating, his income to debt ratio, how long he's lived at his current residence, other outstanding credit accounts, his repayment trends (how often and how well he pays off debt), the amount of the loan versus his income. Loan brokers love to meddle about details. |
|
banjuja58
|
If he has a job and has not missed any payments on his current loans, that will be in his favor. I hope you will accept a simple ring- he shouldn't have to go much deeper in debt for that. |
|
Gartenzwerg
 |
Let the poor guy buy you a simple band.
Then after your married and can afford it he can by you something nicer.
Never take out a loan to buy a ring. |
|
Real Georgian
|
Personal Loans Guide
By: Micheal Reese
Here is an article that may help you understand your question better.
Good Luck. |
|
madamspud169
|
why not prove your love by getting a cheap stand in then when he can afford it an expensive one?
The engagement should be about your love for each other not an expensive ring |
|
worldhq101
 |
Basically to get a personal loan you have to all but prove that you don't really need one. Sad, huh ? |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 3 minutes(s) ago
| | | |
12 | 18 minutes(s) ago
| | | |
7 | 31 minutes(s) ago
| | | |
12 | 1 hour(s) ago
| | | |
1 | 2 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
11 | 10 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 6 day(s) ago
| | | |
7 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
