4 posts shown.
I have my Visa and my total credit limit is $5667...
I've already spent about $2000.
So, if I wanted to pick up something worth $5000 using those 36-month installment plans, what kind of requirements am I looking at?
Is it enough if I just have enough room to cover the first installment, similar to how it works with my Mastercard, or can I buy something up to the difference of $3667 and then it just automatically rolls into those 36 monthly payments...
And then I wouldn't have any available credit left on my Visa?
driftingviper12 said:Volkswagen always verifies everything. I've personally dealt with at least five cases where they were applying for mortgage loans without submitting credit history, and they demanded every single document. Not one of them was approved.
So, I actually went down to the local Volkswagen branch myself, and it’s not that they skip the creditworthiness checks... It’s more like they're just a little more lenient compared to how they handle other types of loans....
For a mortgage, you basically have to be left with $800 of your income... Kind of like you're living on the minimum wage or something...
Thanks!
So, if I have my $3333 paycheck, but there's already about $3,500 in garnishments or deductions coming out of it, is there any chance I could land a standard loan for maybe $10,000 to $15,000? I mean, looking for a normal interest rate—not a mortgage, just a personal loan or something similar—but I was wondering if anyone knows if they’d even look at my credit score or debt-to-income ratio? I actually have some other side obligations too (on top of that $3,500) that don't show up on my official pay stub...
Also, what are the typical terms for a mortgage at OTP Bank? I know I'm jumping around a bit here and being a little all over the place, but I'm kind of in this situation where I really just need some quick cash...
Hey everyone, hope you're all doing great.
I was wondering if anyone knows which bank here in the States offers the biggest mortgage loans with the longest repayment terms? And, I guess, how strict are they being with credit scores and debt-to-income ratios lately?
Basically, my wife and I currently have a mortgage, plus some credit card debt and a couple of personal loans hanging around... I'm really hoping to roll everything into one big mortgage to simplify things.
If anyone here has actually done a cash-out refinance or consolidated their debt like this, or if you happen to know what the best move would be, I’d really appreciate the help....
Thanks in advance!