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Yet little of the revenue that flows through these tribal businesses ends up in the rancheria or benefiting tribal members, as attested by the cluster of rundown houses nearby, where some members of the tribe live. They donвЂt look like villainous tycoons preying on low-income Americans.
They look more like those cash-strapped loan customers themselves. The payday lending enterprises are not operated out of the settlement, and Habematolel Pomo members interviewed on a recent visit said none of them had any disadvantages of personal loans related to payday lending.
In fact, there are few jobs of any kind here. William Snow, 51, left the settlement straight out of high school. вЂњThereвЂs nothing for young folks to do around here,вЂќ he said.
Some lenders may ask you to pad your income to help get your loan approved. You are being set up. This may help you get your loan quicker, but you may not have enough income to make the required monthly payments and could lose your home.
Beware of balloon payments. If you have fallen behind on your payments, and face foreclosure, some lenders will offer to lower your monthly payments. Look carefully at the terms of the loan. The payments may be lower because you may be paying only the interest on the loan.
At the end of the loan term, you will be asked to pay the entire amount you borrowed, due in one lump sum. This is called standard chartered bank personal loan requirements balloon payment and often results in the loss of your home.
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