The Abicana store

Affordable and flexible loans and finances: -

Refinaces for your home

Get a loan with a better interest rate and a more flexible payment plan.

Some other items

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Some explanations about loans and credits

Here are some types of loanes and some types of arrangements regarding loans and credits explained.

Adjustable rate loan: (Adjustable Mortgage Loans (AML'S), Flexible Rate Loans, Variable Rate Loans.) Loans where the interest rate is adjusted at recurrent determined times. The rate is adjusted according to current interest rates in the marked, according to the rate that the bank must pay at the other end for the capital disponible for loans, according to taxes, etc.

Fixed rate loan: A loan with a fixed rate determined in the contract with the customer.

Amortization: A the back-payment of a loan at regular intervals, so that the whole loan is repayed within a preset period.

Annuity loan: A loan where the back-payment plus the interest payment equals to a fixed amount that is payed at regular inetvals. To make this occur, the part of the payment that goes to amortization will gradually increase as the amount of interest decreases when the loan is payed back.

Housing Expenses-to-Income Ratio: A borrower's housing expenses divided by his/her net effective income (for FHA/VA loans) or his housing expenses divided by gross monthly income (for conventional loans).

Initial interest rate: (start rate) The rate of interest used at the beginning of an adjustable rate loan.

Impound (reserves): That part of the regular payments form the borrower held by the lender to pay for taxes, hazard insurance, mortgage insurance, lease payments, etc.

Interest rates: The rent a borrower of money pays to the loaner. The rate is defined as a percenatge amount of the rest of the loan to be payed in a year. It is calculated and charged on fixed inetervals (each day, week, month).

Loan to Value: The loaned amount divided by the value of the asset set as a security for the loan.

Margin: The percenatge addition to be added to the cost that the lender have for the money when the interest rate for a loan is calculated.

Mortgage: Basically a mortgage is a legal document that secures a loan for real estate. However, the word is often used about the loan itelf.

Loan or mortgage insurance: A guartantee offered by an mortgage insurance company made to the lender for loans over 90%. The borrower pays a monthly fee for the insurance.

Serial loan: A loan that is payed back in equal amounts at regular intervals.