Loans - Borrowers use secured loans to pay of debts - 20/05/2008

Borrowers with a significant amount of debt are being advised to pay them off, sooner rather than later and using a secured loan provides an effective source for repayments.

According to the Economic Times newspaper, an expert believes the time is now to take care of larger outstanding debts that pose the biggest threat to your personal finances.

Kartik Jhaveri, certified financial planner and director at Transcend India, spoke about the importance for consumers to target their most significant debts first. He said: "Any loan that costs above 14 per cent should be paid off.”

The newspaper adds that these "bad and ugly" debts could be anything from "high interest-paying credit card bills" or personal loans.

Many people find that secured loan offer a great way to tackle their outstanding debt repayments, including credit card balances. Secured loans can be used to consolidate these debts and may offer a more reasonable rate than traditional high street lenders.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPATMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
MISSING PAYMENTS WILL HAVE SEVERE CONSEQUENCES AND MAY MAKE OBTAINING CREDIT MORE DIFFICULT IN THE FUTURE.


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