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Banking

Credit Scoring Explained

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Whenever you apply for a loan or a mortgage, or any other type of credit arrangement such as a mobile phone contract, the lender will want to know if you are able to repay the debt. To seek clarification on this point, they will – besides asking you numerous questions – apply to a credit […]

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What Are Interest Rates Anyway – And How Do They Work?

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The Interest Rate on a Loan Most people are familiar with how basic interest rates on loans are calculated. Anyone who knows how to figure out a percent discount can easily determine how much interest will be paid on a simple loan. For a loan with 10% interest paid on a balance of £100, ‘£100 […]

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Switching Current Accounts

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Most people stick with their bank account for long periods of time, even if they are unhappy with the service being offered. The reasons for this are numerous; perhaps they believe that changing banks is too complicated, or even that all banks are ultimately the same anyway. However, switching current accounts is, in actual fact, […]

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Choosing the Right Current Account

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For most of us our current account is the one we use every day without even thinking about it. It’s the account into which our salary is paid and from which we pay our direct debits and standing orders. This is also the bank account most of us use to pay our bills, shop with […]

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An Introduction to Student Bank Accounts

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Finances can be extremely tight for students; especially given the global financial crisis, recent rises in tuition fees and the difficulty many young men and women are currently facing in finding work. At certain times of the year, such as when books are required for study, or towards the end of a student loan period, […]

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