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  2. US credit card debt just hit a new record of $1.17 trillion ...

    www.aol.com/finance/us-credit-card-debt-just...

    It’s no surprise that Americans often rely heavily on credit cards to make ends meet. And with a recent period of rampant inflation, it’s equally unsurprising that credit card balances are on ...

  3. How to avoid mortgage rate lock extension fees - AOL

    www.aol.com/finance/avoid-mortgage-rate-lock...

    If you were to get a loan estimate for a $400,000 mortgage at 6.8 percent, for example, the lender might allow you to lock in that mortgage rate for up to 30 days. As long as the transaction ...

  4. Mortgage loan modification: What it is and how to get one - AOL

    www.aol.com/finance/mortgage-loan-modification...

    FHA loan modification: There are a few options for an FHA loan modification, including an interest-free loan for up to 30 percent of your balance or a 40-year loan extension. VA loan modification ...

  5. Cram down - Wikipedia

    en.wikipedia.org/wiki/Cram_down

    However, the financial industry strongly voiced opposition to such a measure, claiming that it would create additional uncertainty as to the value of mortgage loans (and by extension, the collateralized debt obligations into which they are bundled). In addition, like in the late 1970s, the financial industry had powerful political leverage on ...

  6. Microcredit - Wikipedia

    en.wikipedia.org/wiki/Microcredit

    State-funded Utkal Grameen Bank in Bargaon, Odisha. Microcredit is the extension of very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment, and a verifiable credit history. It is designed to support entrepreneurship and alleviate poverty.

  7. SME finance - Wikipedia

    en.wikipedia.org/wiki/SME_finance

    Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; asset-based finance such as factoring and invoice discounting, [1] and government funding in the form of grants or loans.

  8. Federal financing for small businesses in Canada - Wikipedia

    en.wikipedia.org/wiki/Federal_financing_for...

    Unlike most bank loans to small businesses, government loans may be unsecured. Loan guarantees – Under the Canadian Small Business Financing Act, [1] the federal government may guarantee a financial institution's loan to a small business, to a maximum of 85 percent. If the borrower defaults on a loan, the bank is protected, and therefore more ...

  9. What's the hidden motivation behind the $50 gift card you put ...

    www.aol.com/finance/whats-hidden-motivation...

    The holiday season centers on a tradition fraught with emotions, oftentimes conflicting ones: gift-giving. How we decide what to spend on our loved ones involves a host of factors.