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Finance > Insurance > Home InsuranceHome equity loans: abusive lending and how to avoid it

Posted by nick_niesen in Finance on October 29th, 2010


Home Equity loans were initially designed to allow individuals who had not yet paid off the full amount of their home, the ability to borrow against what portion of the home they had paid for. So for example Womens Louis Domingue Jersey , a couple who had been making monthly payments for many years on their 30 year lease, could use the money they had already put into their home as collateral when they needed a loan to send their child to college. So, while the initial intent of the loan is regarded by some as noble, in practice it has served as a free-for-all for unscrupulous lenders and other scam artists.


Explaining Sub-Prime Lending
Home Equity Loans fall into a broad category known as sub-prime lending. Unlike prime lending, which is heavily regulated and offered to those living in good neighborhoods with fair to good credit Womens Lawson Crouse Jersey , sub-prime lenders target those in bad neighborhoods with worse credit ratings. Because they offer loans to individuals who otherwise might have difficulty finding a loan, they were and are able to justify to the government the need to have greater free reign when it comes to setting the interest rates and finance charges associated with their loans.


This window, combined with the deep pockets of Home Equity Loan firms able to grease the campaigns of politicians, has prevented the industry from coming under the heavy scrutiny and regulation of prime lending. Consequently, what is seen in this industry is widely varying interest rates Womens Justin Peters Jersey , and charges that are completely disproportionate with the risk incurred by the lending institution.


How to Protect Yourself
For the investor interested in taking on a Home Equity Loan, there are a few measures which can be taken to radically diminish the chances of being taken advantage of. The first precautionary step is to request a copy of the loan a full week before you sign it. The lending institution is required by law, to provide you with a copy of the loan many days in advance of you signing it. It is a rather simple task to ask for the loan, and the lending institutions response often reveals much about the quality and lega. Cheap Jerseys From China Cheap NFL Jerseys Online Cheap NBA Jerseys China Cheap NHL Hockey Jerseys Wholesale Jerseys Cheap Throwback Jerseys Cheap Youth Jerseys Wholesale Jerseys Cheap Baseball Jerseys China Wholesale Jerseys Free Shipping