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Business Equity Loan

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An equity loan is a mortgage loan in which the borrower receives cash. Typically the loan is secured by real estate already owned outright.

For example, if a person owns a home worth $100,000, but does not currently have a mortgage on it, they may take an equity loan at 80% loan to value (LTV) or $80,000 in cash in exchange for a mortgage on the title.

Many lending institutions require the borrower to repay only an interest component of the loan each month (calculated daily, and compounded to the loan once each month). The borrower can apply any surplus funds to the outstanding loan principal at any time, reducing the amount of interest calculated from that day onward. Some loan products also allow the possibility to redraw cash up to the original LTV, potentially perpetuating the life of the loan beyond the original loan term.

The interest rate applied to equity loans is much lower than that applied to unsecured loans, such as credit card debt. The reasoning behind this is that equity loans involve collateral, and credit card debt does not.

From Wikipedia under the GNU Free Documentation License
Fri Dec 16 08:36:56 2011

Noun

equity (countable and uncountable; plural equities)

  1. Ownership, especially in terms of net monetary value of some business.
  2. (law) A legal tradition that deals with remedies other than monetary relief, such as injunctions, divorces and similar actions.
  3. (law) Value of property minus liens or other encumbrances.
  4. (accounting) Ownership interest in a company as determined by subtracting liabilities from assets.
  5. Justice, impartiality or fairness.
References
  • equity” in the Online Etymology Dictionary, Douglas Harper, 2001

From Wiktionary under the GNU Free Documentation License
Fri Dec 16 08:36:56 2011


Home Equity Loan Payments | gorillacorps
www.gorillacorps.com
Home Equity Loan Payments | gorillacorps
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Debt Consolidation Loans - Home Equity Loans
www.debtconsolidationconnection.com
Debt Consolidation Loans - Home Equity Loans
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Home Equity Loan Business

From Google Image Search: "business equity loan"
Fri Dec 16 08:36:53 2011

Quick Books Tutorial - How to Account For Loans to Your Company
15 min., 14 sec.
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Quick Books Tutorial - How to Account For Loans to Your Company

Fri, 28 Jan 2011 15:09:35 PST

Sign up to receive notifications about my Accounting For Real Estate Book in a blog here: www.accountingf orrealestateblo g.com Get the complete ...

Cash Advance Loans - By Your trusted Source home equity loan rate mortgage refinance help
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Cash Advance Loans - By Your trusted Source home equity loan rate mortgage refinance help

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From Google Video Search: "business equity loan"
Fri Dec 16 08:36:57 2011

how to get a small business loan?
Q. I have a idea I want to expand on but I have only recent credit history, and no equity. After I get turned down by the commercial banks due to lack of business experience. Will the SBA Approve my loan with the commercial bank and take responsibilty?
Asked by Denis - Mon Oct 19 15:34:58 2009 - Small Business - 4 Answers - Comments

A. With a properly done biz plan, an SBA 7A loan can be had and the Feds guarantee 80% of it...
Answered by Smilin'_Bob_The_Enzyte r _Guy - Fri Oct 23 15:39:28 2009

Is there anywhere to get a equity loan to save my home even though now I have terrible credit?
Q. I am facing foreclosure. I've lost my business. I have a new born son and two school age daughters. I want to either get a loan to pay up the past due portion of my mortgage to start fresh or sell my home with a profit to start fresh or rent my home and or file bankruptcy (last resort). I really don't know what to do. And if I'm honest I would really just like to move out of my state altogether and start fresh. Anybody want to buy a beautiful 1900 sq.ft. home in sc in a very private very quite neighborhood 3br,2ba, vaulted ceilings, 1 car garage, private backyard with 8ft stucco walls, front yard maintenance included? Or maybe we could trade homes?
Asked by comestiblebeauty - Thu May 3 09:14:38 2007 - Renting & Real Estate - 8 Answers - Comments

A. Man, Jim is the only response that you got from someone not trying to scam you out of $ and identity. You may need to settle on selling w/o a profit, I don't know enough to help with that. Bakruptsy will not stop the foreclosure. If you are really in bad shape you are better to move into a family members home and rent your place out to make the mortgage payments. Also, talk to your bank, I am amazed how many people don't talk to them. They honestly may have a solution to aviod foreclosure. BTW, you can move, but your credit follows you there too. Good luck to you! Avoid the sharks on here, they are out trolling for victims, and that is the last thing you need.
Answered by Janet P - Thu May 3 18:42:09 2007

From Yahoo Answer Search: "business equity loan"
Fri Dec 16 08:36:51 2011


Rate hike to hit realtors' business
Business Today
Rate hike to hit realtors' business
Wed, 27 Jul 2011 20:48:28 -0700

He said the continued increase in prime lending rates at commercial bank s and other housing finance institutions would have a major impact on the EMI of existing home loan borrowers having a 'floating rate' loan . This could lead to a marginal increase ...
Expand Your Business With the SBA 504 Loan Program
Loan Safe
Expand Your Business With the SBA 504 Loan Program
Wed, 27 Jul 2011 09:39:03 -0700

... and secured by a senior lien; a loan secured with a junior lien from the CDC covering up to 40 percent of the cost, and backed by a 100 percent SBA-guaranteed debenture; and a contribution of at least 10 percent equity from your business . ...

From Google News Search: "business equity loan"
Fri Dec 16 08:36:54 2011

Benefits of Second Mortgage Loans for Your Business
world-class-articles.com
Benefits of Second Mortgage Loans for Your Business

unknown, world-class-articles.com
2011-11-09 08:00:00

Article from World Class Articles and entitled Benefits of Second Mortgage Loans for Your Business - By Short Term Funds. ... Like in the first mortgage, you will be forced to sell your home to get the equity from it. Caveat loan ...

Easy Ways to Remodel Your Home - Recent Business News
ourbusinessnews.com
Easy Ways to Remodel Your Home - Recent Business News

admin, ourbusinessnews.com
2011-11-02 01:58:10

Reuters Kelly Hess and her husband, David, spent $8000 in April remodeling the outside of their Dallas house, and they paid for it without a home equity loan . They tapped their house savings account'' to replace the roof and ...

From Google Blog Search: "business equity loan"
Mon Nov 14 10:05:17 2011



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Equity Business Loan Article
christianet.com
Equity Business Loan Article
Equity business loans can help the company's owner draw from his own resources for additional financing rather than to take on additional debt from an outside source.
www.christianet.com/onlineloans/equitybusinessloans.htm

Using Home Equity for Small Business Loan
mortgageloan.com
Using Home Equity for Small Business Loan
Because banks have been stingy with small business lending, it's a viable alternative to tap home equity to support a small business.
www.mortgageloan.com/using-home-equity-small-business-loan-8070

From Web Search: "business equity loan"
Fri Dec 16 08:36:55 2011


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Sun Dec 25 07:57:11 2011
Sweat Equity Comes With The Bill Apron @ Zazzle
@ Zazzle
Sweat Equity Comes With The Bill Apron
Store: Zazzle
Price: $19.95 USD
Condition: new

Standard Apron A startled home owner says to a contractor, "What do you mean I'm not putting in any sweat equity? I sweat every time you give me a bill."

Small Business Administration Business Loan Programs @ Barnes & Noble
@ Barnes & Noble
Small Business Administration Business Loan Programs
Store: Barnes & Noble
Price: $9.99 USDCompare Prices
Condition: new

SBA provides a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.That is the opening of the SBA Websites statement on the SBA Loan Program. What it doesn't tell you is the maze of programs complicated with applications, submissions and host of other required information. What we have done with this Book is to provide you with a complete listing of the programs and explanation of requirements based directly on SBA's instructions. What is different is you will not have to search for hours on the Website, nor go through a myriad of forms to find out the information on the loan you wish to apply for. We hope this information will be helpful and most of all we hope it will be fruitful in application for an SBA backed loan.

From Google Product Search: "business equity loan"
Mon Jul 25 11:46:06 2011