It is, for example, difficult to pay off a £7,000 loan in just one year as the monthly payments would be relatively high. However, if you borrow only £1,000, a term of 12 months is more manageable. You also have to consider the cost implications of the loan term as the longer the term, the lower the monthly payments but the higher the total cost.
For example, lets say you borrow £3,000 over three years at 7. The monthly payments would be £93, so you would pay total interest of £348. If you extended the term to five years, the monthly payments would drop to £60, but you would pay £600 in total interest.
Credit record. The interest rates on personal loans depend partly on the loan amount and term.
Im a housewife and my husband is working right now in Dubai for almost a year now. Due to financial problem that we are facing now, we need cash especially this coming June since its enrollment again. Based from what I heard, you need a co maker when you apply for an ofw loan, and since Im only a plain housewife, I cant be my husbands co maker. Is there any possible way to get a loan without even needing a co maker.
Sorry for the long post. :) Hope someone someone can answer me.
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