Calculate Your Monthly Boat Loan Costs #equity #finance

#boat finance


Financing Your Boat

Calculate Your Monthly Boat Loan Costs

Boat Loan Calculator

Boating may be more affordable than you think. In some instances, you can buy a brand new boat for around $250 a month, while a new PWC may be purchased for around $125 a month. Interest on a boat loan may be deductible if the boat has a galley, berth and head. If you know your monthly budget amount, enter it in the total loan amount window and work backwards to determine what size loan you can afford. If you know the cost of the boat or PWC you want, put that amount in the monthly payment window to determine your monthly payment.

Please note: Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. By using this program you acknowledge that the National Marine Lenders Association (NMLA) shall not be responsible for any damages resulting from the use of the Loan Calculator by you or any other person, however caused.

To determine actual interest rates and terms, call a National Marine Lenders Association member, and visit one of their websites.

Farm Loan Programs #bridging #finance

#farm finance


By providing access to credit, FSA’s Farm Loan Programs offer opportunities to:

  • Start, improve, expand, transition, market, and strengthen family farming and ranching operations
  • Provide viable farming opportunities for beginning farmers, racial and ethnic minority farmers and women producers
  • Value-added, direct sale, organic, and specialty crop operations
  • Young People actively involved in agricultural youth organizations
  • Urban producers
In the News
Current Interest Rates

Farm Operating- Direct

Farm Operating – Microloan

Farm Ownership – Direct

Farm Ownership – Microloan

Farm Ownership – Direct, Joint Financing

Farm Ownership – Down Payment

Emergency Loan – Amount of Actual Loss

Effective as of September 1, 2016

USDA Paths to Success

Your Guide to FSA Farm Loans

This guidebook simplifies information on the types of farm loans available; how to apply for a guaranteed loan, direct loan, or land contract guarantee; what you can expect once you submit your application; and most importantly, your rights and responsibilities as an FSA customer.

Available Farm Loans

Direct Operating Loans are used to purchase items such as livestock and feed; farm equipment; fuel, farm chemicals, insurance, and family living expenses; make minor improvements or repairs to buildings and fencing; and general farm operating expenses.

Microloans are operating loans designed to meet the needs of small and beginning farmers, non-traditional, specialty crop and niche type operations by easing some requirements and offering less paperwork.

Direct Farm Ownership Loans are used to purchase or enlarge a farm or ranch, construct a new or improve existing farm or ranch buildings, and for soil and water conservation and protection purposes.

Guaranteed Loans enables lenders to extend credit to family farm operators and owners who do not qualify for standard commercial loans. Farmers receive credit at reasonable terms to finance their current operations or to expand their business; financial institutions receive additional loan business and servicing fees, as well as other benefits from the program, such as protection from loss.

Targeted Loan Audiences

Youth Loans are used by young people participating in 4-H clubs, FFA. or a similar organization, to finance educational, income-producing, agriculture-related projects.

Minority and Women Farmers and Ranchers loans support the full participation of minority and women family farmers in FSA’s farm loan programs by targeting a portion of its direct and guaranteed farm ownership and operating loan funds for minority and women farmers to buy and operate a farm or ranch.

Beginning Farmers and Ranchers loans provide credit opportunities to eligible family farm and ranch operators and owners who have been in business less than 10 years.

Specialty Loans

Emergency Loans help farmers and ranchers recover from production and physical losses due to drought, flooding, other natural disasters or quarantine.

Van Finance – Contract Hire, Van Finance Lease – New Vans #career #in #finance

#van finance


Van Finance

Looking for a new van can be overwhelming. Choosing a van from all those available is a time consuming process even if you know what you re looking for! And it doesn t end there; once you ve chosen a new van you must decide on an affordable finance package.

Compare which van finance package is right for you.

At Vansdirect, we offer a range of finance packages, including; van finance Lease, hire purchase and contract hire. But which one should you choose?

Vansdirect Ltd are authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority Register number is 690205. We are a credit broker rather than a lender and offer credit from a selected panel of lenders. Calls may be recorded for compliance and training purposes. Copyright © 2016. All rights reserved Vansdirect Ltd. Vansdirect Ltd is registered in England and Wales – Company Registration Number: 06971144. VAT Number 980249796. Registered Address: Unit 6, The Courtyard, Imperial Park, Newport, NP10 8UL.

Get 100 off your
purchase in August

100’s in stock | 5 days delivery

Don’t worry, we will email you a new
voucher code offer if you want to buy at a later date.

No thanks, I don’t want an even better deal from Vansdirect

Boat Finance Loan Calculator – Pegasus Finance Pegasus Marine Finance #finance #bank

#boat finance


Boat Finance Calculator

Pegasus Marine Finance dealt with my loan application professionally and timely from start to finish. It was a joy dealing with them from beginning to end transparent, honest. Excellent service and great to deal with human beings! Would highly recommend Pegasus Marine Finance!

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This simple loan calculator is designed to give an indication of the APR, monthly repayments and total repayments you could expect to pay, taking into account your perceived credit rating. Due to the many factors finance lenders base their decisions upon, we cannotguarantee the figures suggested using this calculator. Please use the figures as a guide and our team will endeavor to provide the best possible deal for you in your personal circumstances.

VAN FINANCE COMPANY #legal #finance

#van finance


Van Finance – 100 Used Vans – From ONLY £99 DEPOSIT

Van Finance – Over 100 Quality Used Vans in Stock Now

Here at the van finance company we have over 100 quality used vans in stock ranging from Citroen Berlingo up to 4.5 meter Mercedes Sprinters, as we always carry an excellent mix of the most popular vans we can guarantee that we will have the right van for you in stock today.

Most of our stock of used vans are one owner and with a full service history, as we always prepare the vehicle to the highest standard you can guarantee you will get the best van at the best deal anywhere in the UK!

Before a sold vehicle leaves our premises it will undergo a 101 point check everything you can think of is checked to assure you have the vehicle you deserve without the hassles that you would probably come across if you bought elsewhere, we make sure all our commercial vehicles go out with a minimum of 3 months warranty which covers you for £500 per claim, unlimited number of claims and unlimited mileage.

Our warranties are recognized all over the UK so whether you are in Scotland or Cornwall there will always be a garage within your local area that will undertake any repairs.

Even If we do not have the vehicle you desire in stock we have access to 100’s of used vans within our dealer network so we can source the right van for you within a matter of a few days.

Van Finance – How It Works

If you are looking for Van finance and have had no financial problems in the last 6 years then we can offer finance deals from as little as £99 deposit and 4% flat (Typically 8.9 APR).

As we are the No.1 van finance specialists we have the best deals regardless of whether you have the best credit rating or similarly if you have had a few issues in the past so why not apply today and let us arrange everything for you!

The process itself couldn’t be an easier just view our range of used vans in stock and choose your van then go to the finance application form and apply.

When we receive your application we will call you to check all the details are correct, the finance application will then go through top our underwriting department who will call you to quote you the monthly figures if this is all agreed we will either send the finance documentation to your home or you can make arrangements to collect the van from our site. The typical turnaround time from placing an application to the van being ready is around two to three working days.

Copyright © 2011 All rights reserved.

How does vendor finance work? #nationwide #finance

#vendor finance


Home Introduction to how Vendor Finance Works.

Introduction to how Vendor Finance Works.

Vendor Finance (also known as Seller Finance or Owner Finance) is term used to describe a number of ways that you can achieve home ownership without having to first get a bank loan or mortgage.
It also describes ways to start owning and paying off your home even if you have bad credit history or don’t have a standard deposit.

Traditionally, a home is bought through finance from a bank
. or other lending institution. The buyer pays a deposit (usually 10%-20%) to the seller and the bank pays the rest to the seller. The buyer and sellers relationship ends here and buyer then pays the loan, or mortgage, back to the bank, over time with interest.

Vendor Finance skips the bank.
The buyer pays a small deposit to the seller and also makes repayments directly to the seller over time. Depending on the strategy used in the transaction, these repayments may or may not include interest. The purchase price or repayments may be slightly higher that a traditional purchase, but it provides the buyer with the benefit of purchasing when the bank would not. The difference is not very significant over time, if you consider the alternative renting!
The buyer and seller have an ongoing relationship until the transaction is settled and all money is paid to the seller.

Using vendor finance will set you on the path to home ownership. without a mortgage straight away.
The seller might provide finance for the purchase for a period of time, allowing the buyer time to become eligible to qualify for a bank loan. This is great because it means the buyer can start paying off their home from day one and it gives them time to sort out whatever was preventing them from getting a bank loan.

Using vendor finance may enable you to achieve ownership of the property without first qualifying for a mortgage. The Vendor, or seller, of the property will allow you to start paying off the house to them, so you don’t need to settle on the full amount before you move in.

After an agreed time, you will usually be required to, or want to, refinance and get a loan or mortgage to complete the purchase. This could be anywhere from 6 months to 10 years after moving in depending on the individual sale agreement.

Want to know more? Download a FREE guide here:

Hear it from a leading lawyer .

Anthony Cordato, from Cordato Partners, Australia s leading law firm specialising in Vendor Finance explains:

Search or browse the listings on Buy Without A Bank for real estate and properties that are available for sale using various vendor finance strategies.

You can contact the seller of the properties directly through these listings. The sellers are likely to be private individuals or they may be businesses that buy and sell property this way.

Please find out if Vendor Finance is right for you and visit our Frequently Asked Questions page for more information.

Disclaimer: This guide is for reference only. It is not a comprehensive explanation of how vendor finance works and should not be considered advice. SEEK LEGAL ADVICE BEFORE YOU SIGN ANYTHING.

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About us

Buy Without A Bank is a Classified Ad site for properties that can be bought without having to first go to a bank and apply for a loan. Our aim is to provide buyers with an unbiased choice from a wide range of available Vendor Financed properties and Vendor Finance experts, solicitors, mortgage brokers and other industry specific service providers.
Buy Without A Bank is a registered trademark of Pixel Property Group Pty Ltd. Real Estate Licence #3693432

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GUARANTEED VAN LEASING #lic #housing #finance

#van finance


Van Leasing –What is Leasing for New and Used Vans?

Used van leasing is a simple finance purchase package designed to be of benefit to the business user. In the eyes of the Revenue it is a hire agreement but these days the terms of the lease and the guarantee to return the customer either 100% or 95% of the vehicle s value following its sale make it an ownership plan in all but name.

Given that there are advantageous tax rules relating to leasing and that the customer has the control and benefit of the vehicle s value at the end of the lease it is not surprising that commercial vehicle dealers find it the most popular form of business finance. For further information please call Stuart Weston on 02380 779703 .

What are the benefits?

There are a number of real benefits to leasing. Firstly, for all customers, whether or not they are VAT registered, there is a substantial cash flow advantage straight away. When paying cash, or on Hire Purchase, the Vat on the vehicle is due immediately. Obviously, the more expensive the van the bigger the burden – £1750 on a £10,000 van.

When a van is leased the VAT is due only on the deposit. Since the deposit can be as little as 10% of the vehicle value this initial VAT burden on a £10,000 van can be as low as just £175 – a cash flow advantage of £1575. Of course, VAT still has to be paid and is then levied on the monthly payments, spreading the burden over the length of the agreement. Also, should you subsequently register for VAT then this is fully reclaimable in the normal manner.

For the customer who is VAT registered this cash flow advantage lasts as long as it takes to complete the next VAT return, i.e. up to a maximum of 4 months.

Secondly, normal lease payments are tax deductible in full in the tax year in which they are made. This means a 40% tax paying sole-trader will be able to claim 40% of this payment back against his tax bill. For this reason many accountants will advise their clients to lease wherever possible.

Call Stuart on 02380 779703to find out more about our range of flexible finance options

Lease or HP?

At The van finance company we are Licensed Credit Brokers for all forms of finance. If you have had Hire Purchase before and wish to do so again we will be pleased to work out some proposals for you – we are known to offer the best purchase package in the Country whatever the form of funding.

Can I upgrade or finish early?

Yes – all of the finance plans we offer can be settled early or upgraded with a new or newer van. Arranging this is as simple as telephoning us with an outline of your requirements and we will be able to advise you within 2 minutes.

How Do I take Delivery?

When your new vehicle is ready, we will arrange for it to be delivered to you at a convenient time and location. We can deliver to your home or work anywhere in the UK. When your vehicle arrives, please take time to thoroughly check the vehicle and ensure everything is as it should be.

What happens after I take delivery?

All of our new vehicles come with a manufacturers warranty and your local franchised dealer will be happy to help you should you have any problems.

Used vehicles purchased from us are all covered with an Auto Protect 12 Month warranty which can be used at any VAT registered garage in the UK.

Before taking delivery of your vehicle you will need to supply us with the following:-

Your insurance cover note

Your outstanding payment

(This can be made by credit card, debit card, bankers draft, telegraphic transfer or cheque)

What happens after I take delivery?
All of our new vehicles come with a manufacturers warranty and your local franchised dealer will be happy to help you should you have any problems. They will also service your vehicle in line with manufacturers recommendations.

Used Vehicles:
Used vehicles purchased from us are all covered with an Auto Protect 12 Month warranty which can be used at any VAT registered garage in the UK.

Before taking delivery of your vehicle you will need to supply us with the following:-

A signed vehicle order form

(once you have placed your order over the telephone this will be posted to you)

Your outstanding payment
(This can be made by credit card, debit card, bankers draft, telegraphic transfer or cheque)

Acura Financing #world #finance #loan

#acura finance