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Inilah cara orang-orang dengan nilai kredit tinggi menggunakan pribadi Ada banyak keuntungan memiliki nilai kredit yang baik — Anda akan lebih mudah mendapatkan persetujuan untuk apartemen baru tersebut dan Anda akan sering mendapatkan harga terbaik untuk asuransi mobil dan pemilik rumah, misalnya — tetapi salah satu manfaat terbesarnya adalah adalah lebih murah meminjam uang saat Anda membutuhkannya. Mereka yang memiliki kredit yang kuat biasanya ditawari suku bunga dan persyaratan pinjaman terbaik, yang berperan dalam alasan mengapa mereka akhirnya mengambil utang pinjaman pribadi yang lebih besar daripada rekan-rekan mereka yang memiliki skor kredit lebih rendah. Faktanya, menurut studi LendingTree baru-baru ini, meskipun sebagian besar pinjaman pribadi yang diambil oleh peminjam dengan skor tinggi adalah untuk konsolidasi utang, para peminjam ini cenderung menghabiskan sebagian besar pinjaman pribadi untuk membiayai perbaikan rumah dan pengeluaran terkait bisnis. Pinjaman untuk perbaikan rumah mengeluarkan rata-rata $21,510 sedangkan pinjaman untuk tujuan bisnis mengeluarkan rata-rata $22,778. Studi tersebut mengamati data pinjaman pribadi tertutup antara April 2021 dan Maret 2022, dan mendefinisikan skor kredit tinggi sebagai 720 ke atas. Di bawah ini, Select melihat lebih dekat mengapa perbaikan rumah dan pengeluaran bisnis merupakan jumlah pinjaman terbesar bagi peminjam dengan nilai kredit tinggi. Why high-score borrowers spent the most on loans to finance home improvements and business expenses One obvious reason why high-score borrowers spent the most to finance home improvements and business expenses may just be that remodeling a home or funding a business typically requires large amounts of capital, and therefore large loans. But beyond just that fact, high-score borrowers spent the most on these loan purposes because they saw them as investments, which over time would help them build wealth. “Having a greater financial margin for error allows high-score, high-income individuals to use debt as an investment,” says Matt Schulz, chief credit analyst at LendingTree, in a company statement. “So they can take on debt to improve their home and increase its value or to start a small business that can help generate more income for the family.” This isn’t to say that those with lower credit scores choose not to use personal loans as an investment, rather they may not have the capacity to take on larger debt loads that entail larger monthly payments. The lower an individual’s credit score is, the less access they’ll have to large borrowing power since lenders view these borrowers as less likely to pay back their debts as someone with a high credit score. Personal loan options for everyone The good news — when it comes to taking out a personal loan, no matter the amount — is just about anyone can get one. There are lenders that cater to borrowers with high credit scores just as there are those who cater to borrowers with lower credit scores. If you’re looking for the best personal loans for those with fair or good credit, consider Upstart, which allows borrowers to apply for up to $50,000 and has a minimum credit score requirement of 600. Upstart will make exceptions in certain cases and may approve applicants with no credit history. It also offers long loan terms ranging from 36 to 60 months to give you ample time to pay off your debt. Keep in mind that if you’re approved with a lower credit score, you may still be subject to paying a higher interest rate. Higher-score borrowers on the hunt for the best personal loans for excellent credit should consider LightStream, which offers low-interest loans with flexible terms for borrowers with good credit or higher. Those with excellent credit can take advantage of some of the lowest interest rates, which range from 7.49% - 24.49% APR when you sign up for autopay. Take note, however, that LightStream doesn’t offer loans for small business uses, in case this article’s topic has inspired you. You can, however, get a LightStream personal loan to take on projects such as remodeling your bathroom or kitchen. Other options for home renovation and small business financing There are many ways to finance a home renovation or small business. Beyond personal loans, alternatives include saving up money in a high-yield savings account to pay in cash, taking out a revolving home equity line of credit, also called a HELOC — for funding home renovations, specifically — or using a credit card. The best credit cards to help you pay for your next home remodel include the Chase Freedom Unlimited® for its introductory 0% APR on new purchases — you’ll get up to 15 months of no-interest financing on new purchases to cover the cost of your project (after, 20.49% - 29.24% variable APR). That way, you’ll have over a year to finance home repairs. Plus you’ll earn cash back on your purchases. The best small business credit cards can help you finance business expenses while offering everything from rewards and interest-free financing on new purchases to luxurious travel perks, extended warranties, and insurance, among other business-related benefits. With The Blue Business® Plus Credit Card from American Express, for example, cardholders can benefit from an introductory APR of zero interest for 12 months on purchases from the date of account opening (after, 18.49% - 26.49% variable APR; APR will not exceed 29.99%, see rates and fees). This special financing period can provide you with an interest-free period of up to a year. You’ll also earn 2X Membership Rewards points on eligible purchases up to $50,000 a year (then 1x). Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. *Your LightStream loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 3.99% APR with a term of three years would result in 36 monthly payments of $313.32. Catatan Editorial: Pendapat, analisis, ulasan atau rekomendasi yang diungkapkan dalam artikel ini adalah milik staf editorial Terpilih sendiri, dan belum ditinjau, disetujui atau didukung oleh pihak ketiga mana pun. https://groups.google.com/g/rosie-wellstv/c/sErgEsKfDmI https://groups.google.com/g/rosie-wellstv/c/qmxaQL5SmJg https://groups.google.com/g/ rosie-wellstv/c/bkafT_U0FZ4 https://groups.google.com/g/rosie-wellstv/c/f3-ReniqrCA https://groups.google.com/g/rosie-wellstv/c/dyLHJirUnLs https:/ /groups.google.com/g/rosie-wellstv/c/5EjjL3l4xXY https://groups.google.com/g/rosie-wellstv/c/UdUajV5CV6k https://groups.google.com/g/rosie-wellstv /c/0b-3GGixOa4 https://groups.google.com/g/rosie-wellstv/c/_OcJu8xGZBA https://groups.google.com/g/rosie-wellstv/c/eMnWchz0Ot8 https://groups. google.com/g/jennifer-robsontv/c/IGu2BBsK0zA https://groups.google.com/g/jennifer-robsontv/c/tBaX9hHiI9o https://groups.google.com/g/jennifer-robsontv/c/ ytpOxIknDH0 https://groups.google.com/g/jennifer-robsontv/c/3qDPGjH0_pk https://groups.google.com/g/jennifer-robsontv/c/JOXlb4aiB-M https://groups.google.com /g/jennifer-robsontv/c/8-OlBK7KBHo https://groups.google.com/g/jennifer-robsontv/c/I05r5G4IsIk https://groups.google.com/g/jennifer-robsontv/c/ScWNdUFDLek https://groups.google.com/g/jennifer-robsontv/c/7iDPXDhIHrc https://groups.google.com/g/jennifer-robsontv/c/Z-BMY8yNyz8 https://groups.google.com/ g/amber-adams/c/tGuaomAVKyE https://groups.google.com/g/amber-adams/c/ffUYjXQRUBI https://groups.google.com/g/amber-adams/c/vCogWaoi4LQ https:/ /groups.google.com/g/amber-adams/c/-q_NsDutvQk https://groups.google.com/g/amber-adams/c/9QmV9i7dytg https://groups.google.com/g/amber- adams/c/09-p8_Vs-8U https://groups.google.com/g/amber-adams/c/zJH0nzGSlM0 https://groups.google.com/g/amber-adams/c/FN8891Hl4oc https:/ /groups.google.com/g/amber-adams/c/2gJlUeTAEv4 https://groups.google.com/g/amber-adams/c/80zb1Msptcg https://gamma.app/docs/Five-Nights-at -Freddys-2023-Streaming-ITA-in-Alta-Definizione-swa224owifda884?mode=doc https://gamma.app/docs/Five-Nights-at-Freddys-streaming-ITA-in-Altadefinizione-HD-njs15rl9i0f6tt5? 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