Займ без отказа что это?

займы без отказа называют экспресс-кредиты от микрофинансовых организаций (МФО). Эти организации предъявляют достаточно простые требования к заемщику и одобряют практически каждую заявку, так как выдают небольшие суммы на короткий срок на карту, или наличными. Помимо лояльности к заемщику, экспресс-кредиты отличаются быстротой одобрения. Благодаря автоматической системе, которая обрабатывает заявку, решение принимается в течение 5-15 минут. Вся процедура происходит в онлайн режиме, сервисы работают круглосуточно, а деньги перечисляются на карту. Но необходимо учесть, что круглосуточные экспресс-займы – это один из самых рисковых видов кредитования для финансовых учреждений, поэтому процентная ставка здесь ощутимо выше, чем у традиционных банков и начисляется за каждый день пользования средствами. В целом, учитывая короткие сроки таких кредитов, переплата не ощутима, но, если вы не вернете долг вовремя, будет начисляться высокая пеня за просрочку.

Prior to the election, the air in the area has been mixed emotional feelings about the housing market. Most of them wanted to stay on the fence while few were ready to make a decision to buy or sell their home. The trend continued post-election in the November housing market in the Northern Virginia area of Loudoun County. 

Here is a chart with the historic average 30-year fix interest rate :

historicinterestrate_ritudesaisamsonpropertiestoprealestateagent

 

 

If you are in a panic mode due to rising interest rates the averages are not higher than we have seen in the past. Remember 2006/2007 when we had 1st time home buyer credits/incentives well the interest rate was in 6% if you consider the inflation and the property value we are still in a strong position.

Coming back to the November Loudoun county housing market. Yes, the market is slow. It is slower than October. However, post-election in December we have seen a surge in the industry. Homes that were sitting for months are now actively shown or have received an offer. This may be due to some home sellers got sick and tired of waiting for their home to sell; some decided to rent while others decided to hold off till spring. If your home is currently on the market it may pay off. 

Lack of inventory  may be because some home sellers got sick and tired of waiting for their home to sell; some decided to rent while others decided to hold off till spring. If your home is currently on the market it may pay off!  

If you are a home buyer in the Northern Virginia area of Fairfax & Loudoun county:

Inventory is significantly lower than we had in October. The homes that are in the market you may not like but if budget is sensitive it will be worth a shot for you to negotiate a price and snap the deal. 

If you are a location or MUST haves sensitive buyer than wait out and see what comes up after the holidays. Do add few extra dollars if the interest rate rises post holidays. 

If you are a home buyer considering new construction home as always I have educated my buyer to take into an account a quarter or a half a point higher interest rate depending on how far is the delivery of your home. If the numbers still work for you go for it. Otherwise, cut back on your options or reconsider your purchasing options. Builders had a very strong 2016. They have maxed or reached their numbers in the Loudoun county Ashburn, Aldie, and Leesburg area. They are not open to negotiating a deal. 

If you are a home seller  in the Northern Virginia area of Fairfax & Loudoun county:

As I had mentioned above, if you are on the market we are seeing a surge in the activity. However, if you are not on the market and considering you can list NOW. Why wait for post-holiday when the iron is still hot. Personally, it may slow down as we enter into winter break. But I am optimistic we will pick it up right where we left off unless we get stuck with a polar vortex.  

Below are the numbers reflected in the housing market trend in Loudoun county for November 2016

november2016_loudouncountyhousingmarket

 

november2016_loudouncountyhousingmarket_financing

Ritu Desai is a local Real Estate agent/Associate Broker at Samson Properties serving Northern Virginia area of Fairfax, Loudoun & Prince William counties. She has over a decade of real estate sales experience with over $100M in sales. A regular Virginia real estate blogger and serving the Northern Virginia Association of Realtor(NVAR) and Virginia Association of Realtor (VAR). If you are considering buying or selling a home please contact Ritu Desai @ 703-625-4949 or Info@eNOVAHomes.com

By | 2017-09-11T11:29:28-04:00 December 13th, 2016|Tips for Buyers, Tips for Sellers, Virginia Real Esate Blog|0 Comments