A loan-to-value ratio is calculated by dividing the new loan amount by the value of the property. For example, if a borrower seeks a 75,000 mortgage on a home worth 112,000, the LTV would be 67 percent, and allowed under Texas law. Three Percent Rule.
Texas law states that only 3 percent of a new loan amount can be used for specific closing costs. These costs include appraisal fee, broker fee, cost of a survey and title, and underwriting. This rule protects the borrower from being charged excessive fees. However, it can be a drawback on small loans, where standard closing fees must be slashed, causing some lenders to shy away from markets where real estate values are on the low end of the spectrum.
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There unsecured nature makes them useful for tenants also. If you have bad credit history, you need not to worry. You can get approval for these loans despite having issues like defaults, arrears, foreclosure, late payments, bankruptcy etc in your credit records. You can easily qualify if you are an adult citizen of Canada, having a regular monthly income and a valid bank account on your name. You can attain an amount of C100- C1500 for 14 to 31 days upon approval. You have to make repayment on your next payday, so you can easily get rid of the debt.
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