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Quick Links• Car Loans• Secured Loans • Unsecured Loans Finance NewsDecember - A Base Rate Cut to 5.5% should help many people in hte run up to Christmas. Those with Base Rate Trackers should see an immediate change in their mortgages. November - An Experian report indicates that house prices could drop over half the country over the next 18 months. Difficulties in gaining a mortgage offer and potential hice price drops are putting people off buying. October - Britain faces it's first recession for 16 years, warn experts. Buy-To-let investors and first time buyers are particularly exposed to the growing economic problems. October - In the wake of the Northern Rock crisis the Government has promised savers it will protect the first £35,000 of their savings, with further changes next year potentially protecting up to £100,000. October - House prices fell by 0.6% in September, following the Northern Rock crisis and the recent interest rate rises. |
Car LoansIf you are looking to purchase a new (or new to you) car, then a car loan might be required to enable you to make the purchase. Car loan interest can be calculated in a different way to loans from a bank. Bank loans will calculat the interest, daily, monthly or annually, meaning that repayments made are taken into account. If you are able to pay off the loan earlier, you will therefore save interest. But a car loan is typically calculated to include all interest on the day that it is taken out. Therefore, early repayments are of absolutely no benefit. Also, because repayments are not being included, the total amount of interest charged can be a lot more for the same APR. For these reasons, an Unsecured Loan from a bank might be cheaper. Compare the total repayments for a couple of lenders and take advice before committing to a loan.
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