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contact citiesunlocked menu advice microloans student loans understanding loan duration microloans and microlending uk student loan guide understanding loan duration admin advice no comments when looking to take out a loan or other form of credit, the borrower can often become overwhelmed by the sheer amount of options available. this isn’t just the number of lenders (from major banks to small online lenders), but also the variety of features (such as secured and unsecured, payday loans, mortgages, microloans, credit cards, and an endless list of other options). before choosing a loan you also need to consider what is known as the loan term or duration, which is how long the loan will be outstanding before you have paid it all back. in general this falls under short, medium and long. which you choose will depend on your personal situation. each option will have an impact on the amount you can borrow and the interest rate, so you must take the time to consider it fully. short term loans short term loans are loans that are outstanding from between a couple of weeks to a couple of months. common types of short term loans include payday loans: a small loan with one repayment on or just after your next pay day (two weeks on average). pawn-brokering: this is when you give a broker an item of value and get a percentage of its worth as a loan). as long as you repay the loan within the time-frame given, you will get the item back. if not they will sell it to cover the debt. informal loans from friends and family. due to the nature of a short term loan the amount you can borrow is usually small (typically from a few hundred to £1,000) – especially if you’re talking about no credit check loans . anything more and you are unlikely to be able to pay it back in the timeframe given. because of the small duration interest rates are also one of the highest in the industry, as the lender needs to make it worthwhile for their profit-margins. asset-backed loans: short-term loans are often available at better amounts and interest rates if you off collateral. the concept is very similar to that of pawn-brokering, however these loans are usually offered by traditional lenders. short term loans are ideal for those that are temporarily in need of a small influx of cash, maybe to cover an unforeseen bill or expense, or to purchase a product upfront. as long as you can cover the debt with your next paycheque or couple of paycheques, you should be ok. while comparatively you will be paying more in interest, this won’t have a real world impact unless you end up taking out lots of small term loans in a row. if this is likely to happen you should consider taking out a medium term loan. medium term loans medium term loans are loans that have durations of between 1 and 7 years, and are typically issued from mainstream banks and lenders. they will commonly fall under the term “personal loans” but can have several different options – including secured and unsecured (collateral or no collateral). the loan is repaid with interest in instalments (usually of equal amounts on a monthly basis). on average in the uk medium term unsecured loans come in values between £1000 and £25,000. the amount you are offered depends on how much you request but more importantly, your income status and credit history. you are more likely to be approved for larger amount if the duration is longer, because this makes the monthly repayments smaller and you will be less likely to struggle. the longer the duration the smaller the interest rate. likewise, shorter durations command bigger interest rates. it is important to understand that even with a longer duration and shorter interest rate, you will still typically pay more in the end. long term loans long terms loans of over 7 years are almost exclusively reserved for mortgages, which are loans to buy homes and properties. these come in amounts in the tens of thousands to hundreds of thousands, and can be repaid over many years. commonly this is 25 years but some lenders have been known to offer mortgages for as long as 50 years. mortgages are one of the most stringent types of loan in terms of credit and background checks. the money legally has to be used to fund the purchase of a property; you must provide lots of proof of income, and they may ask you all sorts of questions. these can include whether you have children or plan to in the future, what you typically spend your money on each month, whether you have student loans and other debt, and more. over time as you have paid off a portion of your mortgage, you will gain what is known as equity. this is basically the amount of the property that you own. you can “remortgage” or take out a home equity loan on this percentage. microloans and microlending admin microloans no comments there are many different loan products on the market and new technology is increasing the variety. for example peer-to-peer (p2p) technology (the ability of large numbers of people to connect and share data without centralisation) is changing the business world – particularly finance. one area where this is seen is with the emergence of microlending. a microloan or microcredit is a small loan funded by an individual or divided among a group of individuals (commonly through a p2p platform), instead of a bank or lender that operate in a traditional business model. microloans are becoming a common philanthropic method of helping people in the third world, who do not typically have access to credit to launch businesses; however there are several microlending platforms serving regular borrowers in the uk, us and other western nations. just like traditional loans, microloans are issued with interest on top of the principal. because interest can be quite high (especially when lending to those with poor credit or from poor economies) some people see the concept as high risk, but with high reward. what makes microlending particularly unique is that it’s up to the individual or community how much they are willing to lend, who they will lend to, and the interest rates charged. people who want to use their savings to make a profit can take part in microlending and adopt as much risk as they feel comfortable with. using p2p platforms they can easily connect with borrowers who are willing to accept their terms. depending on the platform an internal credit score is calculated based on factors such as whether the borrower is a home owner, how much they earn, traditional credit information, and if they have ever successfully or unsuccessfully borrowed a microloan in the past. microloans do not require any collateral to secure them, so there may be increased risk for the lender. in turn they can charge slightly higher interest rates, which make it a better investment than the top savings accounts. however because of p2p technology risk can also be reduced and is usually spread among many lenders. this is accomplished by lenders only investing a small percentage per loan. those who want to invest a lot build up a portfolio that may contain contributions to hundreds of different microloans. so even if a few loans default, there will still be an overall profit from the portfolio. on the flipside borrowers are therefore indebted to many different individuals (not just one company). most microlenders are individuals – some are tech and p2p enthusiasts, others are simply looking for new ways to make their savings go further, and some are professional investors. most major banks and highstreet lends are not interesting in microlending, so it has truly become a pure decentralised peer-to-peer process. as mentioned, microloans are commonly issued for two reasons. one is to fund entrepreneurs in third world or developing nations, who want to start a small business but cannot get financing from lenders or the government in their own country. lenders often take part in this kind of microlending not just to make money, but as a charitable endeavour as well. simi

URL analysis for citiesunlocked.org.uk

http://www.citiesunlocked.org.uk/category/advice/
http://www.citiesunlocked.org.uk/microloans-and-microlending/#respond
http://www.citiesunlocked.org.uk
http://www.citiesunlocked.org.uk/understanding-loan-duration/#respond

http://www.citiesunlocked.org.uk/
http://www.citiesunlocked.org.uk/uk-student-loan-guide/
http://www.citiesunlocked.org.uk/microloans-and-microlending/
http://www.citiesunlocked.org.uk/author/admin/
http://www.citiesunlocked.org.uk/wp-login.php
http://www.citiesunlocked.org.uk/understanding-loan-duration/
http://www.citiesunlocked.org.uk/category/microloans/
http://www.citiesunlocked.org.uk/contact/
http://www.citiesunlocked.org.uk/uk-student-loan-guide/#respond
http://www.citiesunlocked.org.uk/feed/
http://www.citiesunlocked.org.uk/comments/feed/
emu.co.uk
independent.co.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
citiesunlocked.org.uk

Registrant:
Sharon Jordan

Registrant type:
UK Individual

Registrant's address:
66 Howard Road
Shirley
Southampton
Hampshire
SO15 5BJ
United Kingdom

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 05-Feb-2017

Registrar:
123-Reg Limited t/a 123-reg [Tag = 123-REG]
URL: http://www.123-reg.co.uk

Relevant dates:
Registered on: 03-Feb-2017
Expiry date: 03-Feb-2018
Last updated: 10-Feb-2017

Registration status:
Registered until expiry date.

Name servers:
one.freethought-dns.uk 194.110.243.229 2a00:b980:2::229
three.freethought-dns.net
two.freethought-dns.com

WHOIS lookup made at 12:42:25 09-Jun-2017

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2017.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER uk.whois-servers.net

  ARGS citiesunlocked.org.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION Sharon Jordan

TYPE
UK Individual

ADDRESS
66 Howard Road
Shirley
Southampton
Hampshire
SO15 5BJ
United Kingdom
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 05-Feb-2017

DOMAIN

  SPONSOR 123-Reg Limited t/a 123-reg [Tag = 123-REG]

  CREATED 2017-02-03

  CHANGED 2017-02-10

STATUS
Registered until expiry date.

NSERVER

  ONE.FREETHOUGHT-DNS.UK 194.110.243.229

  THREE.FREETHOUGHT-DNS.NET 194.12.14.163

  TWO.FREETHOUGHT-DNS.COM 195.170.173.6

  NAME citiesunlocked.org.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2017.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

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