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Sep 28, 2017 - 34 minute read

Do banks ask why you need a personal loan

New Appliances. A Sick Pet. BrokenLost Cell Phone. Why an Online Installment Loan. How long does the application process take. What if I have bad credit. How do I decide if a Spotloan is right for me.

Do banks ask why you need a personal loan

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Do banks ask why you need a personal loan

An amount paid to the lender, typically at closing, in order to lower the interest rate. Also known as mortgage points or discount points.

One point equals one percent of the loan amount (for example, 2 points on a 100,000 mortgage would equal 2,000). Monthly Payment (estimated) The estimated monthly payment includes principal, interest and any required mortgage insurance (for borrowers with less than a 20 down payment).

The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment.

If you have an adjustable-rate loan, your monthly payment may change annually (after the initial period) based on any increase or decrease in the London Interbank Offered Rate (LIBOR) index. Fixed-rate mortgage.

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