Saturday, March 08, 2014

Collateral Loan

Collateral Loan

Collateral Loan

The collateral is the valuable physical asset that is pledged by the borrower as a security to the value of the loan. Nowadays, pledging collateral against the borrowed amount is the trend of the lending process. Collateral has been used in the lending process for hundreds of years, which provides security against the possibility of the payment of a loan.

Many of the banks and financial institutions do not offer loans without any collateral agreement. One of the main Twitter reasons for pledging collateral while applying for a loan to is reduce the credit risk. Credit risks can be of numerous types, such as:

  1.  When a borrower fails to make the payment of a mortgage loan, credit card, line of credit etc.
  2.  When a business is unable to pay the invoice.
  3.  When a company become insolvent and does not return the borrowed funds.
  4.  When a business does not pay employee's wages.

Pledging collateral reduces the risk of the lender, ion the event of a default occurs, he can simply retrieve the pledged collateral to recover the unpaid loan amount.

The advantages of pledging collateral while applying for a loan are as follows:

  -  It reduces the point of credit risk
  -  One can enjoy higher profits
  -  One can get higher trading competence
  -  Borrower can enjoy improved liquidity
  -  Diversification is the other advantage

The reason for using collateral:

Collateral is required for almost all types of loans such as a Facebook home loan, car loan etc. It is required to reduce the risks. Collateral has been out as a security against the loan amount to ensure the lender for the repayment of the loan on time. In order to show good faith, the borrower is required to put something as collateral. By pledging collateral, the borrower ensures the lender that he/she will not lose the faith of the lender.

Collateral is needed to protect against any possibility of loan default. If the borrower not succeeds to reimburse the Blogspot loan amount, the lenders have the right to sell the collateral to obtain the payment of his loan amount. A lender determines that most of the people are less likely to repay the loan amount. Therefore, they want a guarantee which is something valuable such as collateral from the borrower.

So, the lender uses the collateral agreement which is quite necessary while lending to reduce the credit risks.

Tips:

• It is advised to take the collateral loan only if you can afford to repay to protect your collateral value.

• Loan default can allow the lender to take your asset and sell it to recover the loan money.

http://www.Collateral-Loan.net

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Tuesday, March 04, 2014

Peronal Loan

Personal Loan

Personal Loan

Use The Value From Your Personal Assets - Get $1,000 To $1,000,000 Within 24 Hours - Fast - Private - Secure - NO Credit Checks

EXPERT APPRAISERS

Our appraisers have all previously worked for the leading auction houses including Sotheby's, Christie's, Bonhams and Phillips. They are not only expert in their field, but also have have excellent auction house connections and a strong network of fellow appraisers with international reach. They hold professional qualifications and are members of professional associations - these include:

DELIVERY

Please be confident that we watch your assets, because we know how important they are to you.  For Watches, Jewelry, Diamonds & Fine Art. We offer a number of options for getting your assets to us.

FedEx: Use a free & insured FedEx label to send your assets to us taking advantage of FedEx SameDay and FedEx Overnight Declared Value Advantage service which is tailored for shipping high-value high-value luxury items.

Collection: Depending on the value of your assets, we can send a courier to pick it up and deliver it to us with the highest level of attention and security. For art, we would send a professional art handler to pick them up and deliver them to us with the highest level of attention and security. Of course, we'll arrange this at a time and place convenient for you.

Bring your assets to us: Your time is as valuable as your assets. So make an appointment and one of our expert appraisers along with your account manager, will be ready to meet & greet and appraise your watch as soon as you show up.

Home appraisal:  If you have a high-value collection of personal loan assets or you are looking to use multiple assets to secure your loan, one of our expert appraisers can come to you to appraise your assets on location. 

For Luxury or Classic Cars
We have a feeling you don't want a tow truck showing up in front of your house. So we'll send an unmarked transporter to pick up your luxury or classic car at any location you choose and deliver it safely to one of our top-tier storage facilities. If you like to get behind the wheel, we'll give you the address of our storage spot and we'll meet you there.

SECURITY

With us you have the confidence of end-to-end insurance. That means your assets are protected from the moment they leave your hands, until you have them safely and securely returned to you, once your loan is repaid.

The minimum insurance is the fair market value of your assets; never less, often more. This is provided by both our courier and storage partners, as well as by our own insurance, which is provided by underwriters who are part of Lloyds of London.

In Transit

If you send your luxury watch to us using our free FedEx label, your assets are insured up to the value of $100,000 for the Same Day service, and up to $50,000 for the Overnight service.

For a special collection of your assets by our employee or by a professional art handler, you are insured up to $500,000.

If one of our appraisers takes your asset collection with them to our valuation center after a home appraisal, you are insured up to $500,000.

In special cases, we will make special arrangements to get your luxury watch to us. We will always ensure your items are fully covered.

http://www.stocksloan.net/personal_loan.htm

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