2013년 11월 29일 금요일

About 'income to debt'|Kiwi Income Property debt levels should be a worry to investors







About 'income to debt'|Kiwi Income Property debt levels should be a worry to investors








Inspect               the               Car               Take               the               car               to               a               qualified               mechanic               and               have               them               perform               a               full               inspection.

The               mechanic               should               inspect               the               main               features               of               the               car               including               the               engine,               transmission,               electrical,               tires,               and               overall               safety               condition.

A               smog               check               should               also               be               performed               to               see               if               the               car               meets               current               air               quality               standards.

Without               passing               this               test,               you               will               not               be               able               to               register               the               car               in               your               name               or               obtain               new               plates               from               your               local               Department               of               Motor               Vehicles.

Should               the               mechanic               find               any               pertinent               issues               that               need               repairing,               negotiate               with               the               current               owner               to               pay               for               them               before               buying               the               car.
               Show               Credit               Worthiness
               Obtain               a               copy               of               your               credit               report.

You               can               get               a               free               one               by               visiting               the               website               freecredreport.com.

You               are               allowed               access               to               a               free               copy               once               a               year               from               one               of               the               three               reporting               bureaus.

Since               either               a               loan               company               or               bank               will               be               holding               the               note               on               the               car,               you               will               need               to               provide               your               credit               history.

The               financial               institution               will               also               run               a               credit               history               report               as               well.

Pertinent               items               of               interest               they               will               be               looking               at               include               history               of               employment,               outstanding               debts,               income-to-debt               ratio               and               your               rental/housing               arrangement.

Based               on               the               information               collected,               the               bank               or               loan               company               will               then               base               their               decision               on               said               information.
               Negotiate               the               loan               Payments
               Negotiate               the               terms               of               the               loan               with               the               financial               institution.

The               loan               company               or               bank               will               meet               with               you               in               person               and               discuss               the               terms               such               as               the               interest               rate,               length               of               the               loan               and               the               estimated               monthly               payments               on               the               loan.

The               interest               rate               you               are               charged               will               be               based               solely               on               your               credit               rating.

The               better               your               credit               rating               is               the               lower               the               interest               rate               will               be.
               Agreement               to               Purchase
               Write               an               agreement               letter               between               both               the               seller               and               the               buyer               to               purchase               the               car.

Have               the               agreement               c               learly               state               the               date               of               the               transaction,               the               mileage               on               the               car               at               the               time               of               purchase,               date               when               the               loan               is               due               to               be               paid               off,               and               the               transfer               of               title               to               the               new               owner.

You               can               have               an               attorney               draw               up               the               agreement               or               you               can               visit               lawdepot.com/contracts               and               download               the               appropriate               agreement.

Once               both               parties               are               in               mutual               agreement,               each               must               sign               it               in               front               of               the               notary               and               have               it               notarized.
               Autos
               http://www.autos.com/car-buying/how-to-take-over-car-payments
               Car               Finder               Service
               http://www.carfinderservice.com/car-advice/how-to-take-over-the-payments-for-a-used-car
               Take               Over               Payment
               http://www.takeoverpayment.com/






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