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Home Loan Basics
Posted by nick_niesen on October 29th Cheap NBA Jerseys Wholesale , 2010


If you聮re getting ready to apply for your first home loan, you聮re going to need to understand the home loan basics.


Home Loan Basics


When you go to apply for a home loan, you need to understand the terminology. Let聮s start with the most basic of terms.


1. Principal 聳 The principal is simply the amount you borrow to move into the home of your desires. If you apply for a loan of $250 Cheap NBA Jerseys From China ,000, the amount the bank actually gives you is the principal amount.


2. Interest 聳 Every home loan comes with an interest rate. The interest rate is the amount a lender is charging you to borrow the principal. Interest rates are typically the key to a loan as there are a wide variety of loans that have flexible interest rates that change every year, ever few years or simply remain set over time. In general Cheap NBA Jerseys China , you want to minimize the interest rate as much as possible.


3. Term 聳 The term of the loan is simply the number of months you have to repay the money you聮ve borrowed from the lender. For instance, a 30-year fixed rate mortgage is indicative of a term of 360 monthly payments to be made over 30 years. Don聮t worry, there are loans of much shorter periods of time.


Amortization


Amortization is not only a mouthful Cheap NBA Jerseys , it is the one term that may confuse you during the loan process. First time home buyers often mistakenly assume the same amount of interest and principal will be reduced in each loan payment. Unfortunately, lending institutions are not willing to go about it this way, which leads us to amortization.


With amortization Cheap Authentic Jerseys , lenders typically apply many of the initial payments on your mortgage almost entirely to the interest owed on the loan. If your loan calls for monthly payments of $1,000, the first payment may have $900 applied to interest and only $100 applied to the principal. As the months pass Cheap Jerseys Online , the amount paid on the principal will increase. Yes, it is maddening.




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