Sie können Schuldenkonsolidierung a

Sie können Schuldenkonsolidierung als eine mögliche Lösung für Ihre Schuldenprobleme betrachtet haben. Jedoch können Sie nicht wissen, dass es zwei verschiedene Arten der Konsolidierung gibt zu prüfen.

Die am häufigsten diskutiert ist ein secured Schuldenkonsolidierung Darlehen. Das Darlehen ist in der Regel von Ihrem Heim-Equity gesichert. Oft übernehmen Sie entweder ein home-Equity-Darlehen oder Sie Ihre gesamte Hypothek refinanzieren, einen größeren Kredit zu sichern, Ihre erste Hypothek auszahlen, und erhält er die Differenz zwischen diesem Darlehen und den Wert Ihres Hauses in Bar.

Wenn Ihr Haus nicht genug Eigenkapital aufgebaut hat, keine neue Hypothek aufnehmen möchten, oder Sie kein Haus besitzen, Sie können nach wie vor jedoch in der Lage, die zweite Art der Konsolidierungsdarlehen: eines, das gilt als ungesichert.

Gesicherte Vs ungesicherte Darlehen

Ungesicherte Darlehen sind unterschiedlich, weil sie keine Sicherheiten verlangen. Wenn das Darlehen nicht vollständig bezahlt ist, laufen Sie nicht das Risiko des Verlustes einer Eigenschaft als Ergebnis. Mit ein gesichertes Darlehen kann die Bank Ihre mit nach Hause nehmen, wenn die Zahlung nicht erfolgt.

Da die ungesicherten Darlehen riskanter für die Kreditgeber sind, Sie werden am Ende mehr Zinsen bezahlen und möglicherweise zur Tilgung des Darlehens in kürzerer Zeit. Das könnte auch bedeuten, dass Sie höhere Zahlungen als Sie mit einem gesicherten Darlehen würden konfrontiert werden.

Ein weiterer Unterschied besteht in der Menge, die Sie ausleihen können. Gesicherte Darlehen werden nur selten für weniger als 10.000 Dollar ausgegeben. Ungesicherte Darlehen, beschränken sich auf der anderen Seite weniger als diesen Betrag.

Gründe für ungesicherte Schuldenkonsolidierung Darlehen

Wenn Sie versuchen, zwischen einer gesicherten und eine ungesicherte Darlehen entscheiden, dann sind hier einige Faktoren zu denken:

haben o Sie Sicherheiten? Wenn die Antwort Nein, dann Ihre einzige Option ist eine ungesicherte Schuldenkonsolidierung Darlehen. Wenn die Antwort Ja ist, dann überlegen Sie unabhängig davon, ob Sie Ihr Haus auf diese Art von Darlehen zu binden möchten.

o wie viel Schulden haben Sie Schulden? Addieren Sie alle Schulden, die Sie konsolidieren möchten. Wenn die Menge mehr als $10.000 entspricht, müssen Sie wahrscheinlich eine gesichertes Darlehen wählen. Für niedrigere Schulden Beträge können Sie jede Art von Darlehen.

o Was sind die Zinsen auf Ihre Schulden? Denken Sie daran, dass ein ungesichertes Darlehen wird, höhere Zinsen als bei einem gesicherten einzubeziehen. Wenn diese Sätze werden sollen in der Nähe, was Sie für die Schulden bezahlen, die Sie konsolidieren möchten, sollten Sie mit einem gesicherten Darlehen statt zu gehen.

müssen o Sie Zahlungen zu senken? Wenn die Konsolidierung Ihre Tilgungszahlungen mehr beherrschbar zu machen soll, sollten Sie kein ungesichertes Darlehen wählen. Weil die Bedingungen dieser Darlehen in der Regel kürzer sind, können Sie am Ende zahlen erhebliche monatliche Zahlungen. Wenn Sie nur wollen, zu beseitigen einige Schulden mit hohen Zinsen oder Verwaltung Ihrer Schulden einfacher zu machen, funktioniert entweder Typ auch für Ihre Bedürfnisse.

Results (English) 1:

You may have considered as a possible solution to your debt problems debt consolidation. However, you may not know that there are two different types of consolidation to consider.The most commonly discussed is a secured debt consolidation loan. The loan is secured by your home equity generally. Often assume a home-equity loan either or refinance your entire mortgage to secure a larger loan, pay off your first mortgage, and he receives the difference between the loan and the value of your home in cash.If your home has built not enough equity, would take no new mortgage, or you own a home, however, you can still able, the second type of consolidation loans: one which is considered to be unsecured.Secured vs unsecured loansUnsecured loans are different, because they require no collateral. If the loan is not fully paid, you run no risk of loss of property as a result. With a secured loan the Bank can take your home, if the payment is not made.Since unsecured loans are riskier for the lender, you will at the end of more interest to pay, and possibly to the repayment of the loan in a shorter time. It could also mean that you will face higher payments than they would with a secured loan.Another difference is in the amount that can be borrowed. Secured loans are issued rarely for less than $10,000. Unsecured loans, is confined to the other side less than this amount.Reasons for unsecured debt consolidation loanIf you try between a secured and unsecured loans choose one, here are some factors are thinking:o do you have collateral? If the answer is no, then your only option an unsecured debt consolidation loan. If the answer is Yes, then consider regardless of whether you want to bind your home on this type of loan.o how much debt do you have debt? Add all debts you want to consolidate. Probably, if the amount is more than $10,000, you must choose a secured loan. For lower debt, you can any kind of loan amounts.o are the interest on your debt what? Keep in mind that an unsecured loan will include higher interest rates as a safe. If these sentences should be close to what you pay for the debts you want to consolidate, you should instead of going with a secured loan.need to reduce payments o? If the consolidation is supposed to make your payments more manageable, you should choose a unsecured loan. Because the terms of such loans usually are shorter, you may end up paying significant monthly payments. If you just want to eliminate some debt with high interest rates or to simplify management of your debt, working either type for your needs.

Results (English) 2:

You may have considered debt consolidation as a possible solution to your debt problems. However, you can not know that there are two different kinds of consolidation to consider.

The discussion is most often a secured debt consolidation loan. The loan is usually secured by your home equity. Often you assume either a home equity loan or refinance your entire mortgage to secure a larger loan to pay off your first mortgage, and receive the difference between the loan and the value of your home in a bar.

If your home is not enough equity has built up, do not want a new mortgage, or you own a house, you can still, however, capable of the second type of consolidation loan: one that is considered unsecured.

Secured Vs unsecured loans

unsecured loans are different because they do not collateral demand. If the loan is not paid in full, you do not run the risk of losing a property as a result. With a secured loan, the bank can take your home if they are not paid.

As the unsecured loans are more risky for the lender, you will pay more interest at the end and may repay the loan in a shorter time. This could also mean that you are using a secured loan would be facing higher payments than you.

Another difference is in the amount you can borrow. Secured loans are rarely issued for less than $ 10,000. . Unsecured loans are limited to the other side less than this amount

Reasons for unsecured debt consolidation loan

when you try between a secured and choose an unsecured loan, then here are some factors to think about:

have o collateral? If the answer is no, then your only option is an unsecured debt consolidation loan. If the answer is yes, then think about whether you want to tie your home on this type of loan.

O how much debt you have debts? Add up all the debts you want to consolidate. If the amount is more than $ 10,000, you will probably choose a secured loan. For lower debt amounts can be any kind of loan.

O What are the interest rates on your debts? Remember that an unsecured loan is to involve higher interest rates than a secured. If these records are to be near what you pay for the debts you want to consolidate, you should go with a secured loan instead.

Need o you lower payments? When consolidating your debt repayments to make more manageable, you should not choose a unsecured loan. Because the conditions of these loans are usually shorter, you may end up paying substantial monthly payments. If you only want to eliminate some debt with high interest rates or management to make your debts easier, either type works well for your needs.

Results (English) 3:

you can debt consolidation as a possible solution to their debt problems have been considered. but you may not know that two different types of consolidation is considered.the most frequently discussed is a secured debt consolidation loans. the loan is usually your home equity secured. often take either a home equity loan or your entire mortgage refinance more credit to secure their first mortgage to pay, and he receives the difference between the loan and the value of their house in cash.if your house is not enough capital, built a new mortgage wishing to take up or no house, you may still, however, in the situation, the second type of konsolidierungsdarlehen: one that is unsecured.secure vs unsecured loansunsecured loans are different, because they require no collateral. if the loan is not fully paid, you run the risk of loss of property, not as a result. with a secured loan, the bank can take home, if the payment is not made.since the unsecured loans are risky for the lender, you will end up paying more interest and possibly the repayment of the loan in a shorter time. it could also mean that higher payments than with a secured loan would face.another difference is the amount that you can borrow. secured loans are only rarely for less than $10000 spent. unsecured loans are limited, on the other hand, less than this amount.reasons for debt consolidation loans unsecuredif you try a secured and an unsecured loan with option, then here are some factors to consider:o you have collateral? if the answer is no, then your only option is an unsecured debt consolidation loan. if the answer is yes, then think about whether your house on this type of loan to want to tie.oh, how much debt you owe? add up all the debt that you want to consolidate. if the amount of more than $10000 is a secured loan, you probably need to choose. lower debt amounts can be any type of loan.o what are the interest rates on their debt? remember that an unsecured loans, higher interest rates than on a secure network. if these phrases should be close to what they pay off the debt, consolidate to a secured loans rather than to go.o you must reduce payments? when the consolidation of their capital to make more manageable, you should choose no unsecured loans. because the conditions of such loans are typically shorter, you may end up paying high monthly payments. if you just want to remove some debt with high interest rates or their debt management easier, works either type for your needs.