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Bear Loans, East Killara. 38 likes. Bear Loans is a finance broker offering home loans, commercial loans, asset finance, car loans and s

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Bear Loans Comprehensive Guide for First Home BuyersPurchasing your first home is an incredibly exciting milestone, but it can also feel overwhelming and stressful. Given that this is one of the most significant financial decisions you'll ever make, having a knowledgeable partner by your side throughout the journey is crucial to understanding each step of the process.​At Bear Loans, we prioritize your needs by providing the comprehensive support you deserve. From the moment you start your property search to the final settlement, we’re here to guide you. We advocate for you—not the lender—ensuring you secure the ideal loan tailored to your unique situation at the most competitive rate available.As experienced financing professionals, our mission is to simplify the process, empowering you to navigate it with confidence and peace of mind every step of the way.Buying your first home?CalculatorsBorrowing Power CalculatorUse our calculators to help you work out your repayments, borrowing power and stamp duty costs.Government Grants and SchemesAs a first home buyer, you may be eligible for both federal & state government support. Click to see what you may be eligible for.1. Speak to a broker at Bear Loans to first access your borrowing power and assist you in obtaining a home loan pre-approval.​2. Start your property search​3. Hire a conveyancer/solicitor to check the contract to ensure there's nothing wrong with the property.​4. Now you're ready to make an offer.​5. Get a formal loan approval from the bank​6. Get a building and pest report or strata report​7. You are ready Our StoryBear Loans is a specialist finance broker service based in Sydney. ​Why you should use us?​We are fully qualified brokers with accounting and taxation experience. One of our brokers has 7 years experience in the lending industry and the other has 16 years experience in the accounting industry, CA qualified and holds a taxation licence. With our knowledge combined we can help you structure your loans in the most appropriate way for asset protection and advantageous way for tax saving purposes.​Location is no boundary for us, we offer face to face meetings, skype video calls, as well as 24 hour availability with our online chat system. ​Our Values​We are very committed to our customers. We understand that the process in getting a loan can be a very stressful time, so we keep you in the loop at all stages and never keep you in the dark. ​We are committed to responsible lending and ensuring you have the right loan for your current and future needs.We keep our commitment and relationship with you alive with our frequent check-ins and our advisory service.Our TeamGavin BatemanChartered Accountant | Mortgage BrokerAngelina AndersonMortgage Broker | Real Estate AgentBee PahateLoan OfficerOur ApproachAt Bear Loans, our approach is centered on providing personalized, client-focused service that sets us apart from traditional lenders. We take the time to understand each client's unique financial situation and goals, tailoring our solutions to meet their specific needs. Our team of experienced brokers is dedicated to guiding you through the entire loan process, ensuring transparency and clear communication at every stage. We pride ourselves on our extensive network of over 30 banks and lenders, allowing us to secure the best possible rates and terms for our clients. By prioritizing your financial well-being and delivering exceptional support, we strive to make your borrowing experience as seamless and stress-free as possible.Let's WorkTogetherHome ServicesAbout Contact© 2024 by Bear Loans Pty Ltd. All Rights Reserved.

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To sign the contract of sale.​8. Pay the deposit.​9. Organise Insurance to start on the day you settle​10. Pay Stamp Duty ( if applicable ) ​11. Settle on the property. How do I buy my first property?How much deposit do weneed to purchase a home?While a 20% deposit is typically required when buying a property, the exact amount can vary based on the type of home loan, your financial strategy, and the lender you choose. If your deposit is less than 20%, Lender’s Mortgage Insurance (LMI) is usually required.​However, there are exceptions:​Guarantor Loans: With a guarantor, you may be able to provide a deposit of less than 20% and avoid paying LMI.Specialist Loans: Certain professionals, such as those in the medical field, may qualify for loans that allow a 10% deposit without LMI.Government Programs: Federal and state government schemes allow first-home buyers to secure a home with just a 5% deposit and avoid LMI.Let's WorkTogetherHome ServicesAbout Contact© 2024 by Bear Loans Pty Ltd. All Rights Reserved.. Bear Loans, East Killara. 38 likes. Bear Loans is a finance broker offering home loans, commercial loans, asset finance, car loans and s Bear Loans, East Killara. 37 likes. Bear Loans is a finance broker offering home loans, commercial loans, asset finance, car loans and s

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Guardian of his interests dictate it with equity. And let two men from among you *327 bear witness to all such documents. But if two men be not available, there should be one man and two women to bear witness so that if one of the women forgets (anything), the other may remind her. The witnesses should be from among such people whom you approve of as witnesses. *328 When the witnesses are asked to testify, they should not refuse to do so. Do not neglect to reduce to writing your transaction for a specified term, whether it be big or small. Allah considers this more just for you, for it facilitates the establishment of evidence and lessens doubts and suspicions. Of course, there is no harm if you do not put in writing the common transactions you conclude daily on the spot, *329 but in case of commercial transactions you should have witnesses. The scribe and the witnesses should not be harassed: *330 if you do so, you shall be guilty of sin. You should guard against the wrath of Allah; He gives you the knowledge of the right way for Allah has the knowledge of everything.O you who have believed, when you contract a debt for a meaning*325). This is the basis of the rule that the time for the repayment of a loan should be fixed at the time when the loan is transacted. *326). When friends and relatives borrow from one another it is generally considered unseemly either to commit these loans to writing, or to have them attested by witnesses. Such an act is considered a sign of distrust. But God enjoins that whenever loans or business transactions take place, their conditions should be recorded in black and white and should be attested by witnesses so that there remains no ground for misunderstanding or dispute. It is mentioned in the Hadith that three kinds of people who air their grievances to God go unheeded. The first is the man who does not divorce his wife despite her being of bad character. The second is the Battleground features a wide range of works from the Glyptotek’s antiquities collection that bear traces of both political and religious upheavals.The scenographer Mai Katsume and video artist Magnus Pind have created an exhibition universe that hovers between destruction and construction. Video, sound and scenic design will bring the Glyptotek’s antiquities collection to life in innovative ways, inviting visitors to reflect on the role of art in power struggles past and present.The exhibition is supplemented with loans from: Musei Vaticani; the British Museum; Staatliche Museen zu Berlin, Antikensammlung; Musei Civici di Vicenza; Trustees of the Clayton Collection, English Heritage; Rheinisches Landesmuseum Trier and the National Gallery of Denmark.Iconoclasm – Art as a Battleground runs at the Glyptotek from 5 December 2024 to 18 May 2025.Design concept and scenography: Mai KatsumeDesign concept and video works: Magnus PindSound design: Rebekka Bohse MeyerASMR production and voiceover: Sofie Nygren WinterPlease be aware that the exhibition contains flashing light effects and is unsuitable for guests with light-sensitive impairments.CatalogueThe exhibition will be accompanied by a richly illustrated catalogue with contributions from international experts. The catalogue can be purchased in the museum shop or the webshop.By Anna Minor (red.), Anna Manly (red.), Tine Bagh, Mathias Danbolt, Korana Deppmeyer, Maria Fabricius Hansen, Ulla Kjær, Troels Myrup Kristensen, Marina Prusac-Lindhagen, Amalie Skovmøller, Terne Thorsen og Sigrid Österlund Trane.For their generous support of the exhibition and accompanying catalogue, the museum would like to thank:Videos are supported by: Read more + Mosaic in the Winter Garden (Photographer: David Stjernholm) Iconoclasm – Art

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Pays closing costs in North Carolina for a house can differ based on how you purchase the property — whether you buy for cash or opt for a new construction home.✅ When You Buy a House for CashIf you buy a house for cash in North Carolina, you can skip loans and associated fees. Closing costs for cash buyers in North Carolina include only attorneys, couriers, HOA fees, and other buyer closing costs. In addition, you can avoid lender-related costs like appraisal, credit report, etc.✅ When You Buy a New Construction HomeHere, you have to pay loan origination fees, lender’s title insurance, and property taxes. However, the builder may offer certain incentives towards closing costs. If you choose to work with their in-house lender, they can bear document and deed recording expenses.How to Reduce Closing Costs in North Carolina?The average closing costs in North Carolina are $3,406. It is 1.1% of the average home sale price and is among the lowest closing costs in the country. Here are the tips for sellers and buyers to reduce them:How to Reduce Closing Costs for Sellers in North Carolina?As a seller, you have to pay a large chunk of closing costs. To reduce closing costs and increase your profits, here are some ways you can do while selling a house in North Carolina:1. Opt for a Discount Broker or a Low Commission RealtorGenerally, discount real estate brokers in North Carolina charge from 2% to 2.5% and low-commission Realtors charge only 1% to 1.5%.

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Might appear like an apples-to-apples comparison, the fees in private credit are much higher, often in the 3-4% range versus 0.5% for public market assets. Hence, a gross-of-fee comparison does not represent what investors take home on an equal footing.1 Second, while volatility can be a valuable metric of risk, when private market reported returns are used in its calculation, it is almost meaningless. That’s because private credit assets are illiquid, almost never trading. They are marked to market at most quarterly, and the quality of those marks is questionable in the absence of traded prices of similar assets. This infrequent mark-to-model (discretionary) pricing significantly dampens volatility relative to the economic reality, which inflates Sharpe Ratios.Figure 1 provides a performance comparison that adjusts for these biases. We conservatively reduce direct lending index returns by average management fees (in excess of assumed fees for other asset classes, 0.5%) and increase volatility so that it is in-line with bank loans, which are also floating rate loans that bear similar credit risk but are actively traded and thus marked to market.2 After making these adjustments, we see the risk-adjusted return for direct lending move from the “unicorn zone” to be in line with other asset classes.Figure 1: Risk-Adjusted Performance: A Cross-Asset Comparison Source: Bloomberg, MSCI, ICE. Data is from September 2004 to June 2023. MSCI Copyright MSCI 2023. All Rights Reserved. Unpublished. PROPRIETARY TO MSCI. This is meant to be an educational illustrative exhibit and is not intended to represent investment returns generated by actual portfolios. Hypothetical results do not represent actual trading or an actual account or reflect transaction costs or advisory fees. Hypothetical results are not indicative of actual future results. Every investment program has an opportunity for loss as well as profit.The Illusory Liquidity Premium Many investors who allocate to private credit do so in the hope of realizing a liquidity premium. Yet while it is true that private credit markets have offered additional yield above their public counterparts, several pieces of evidence point to higher credit risk, not a liquidity premium, as the major driver of these higher yields. S&P Global Ratings provides credit estimates on $400 billion of unrated private debt held in middle-market CLOs. Per their analysis, 78% of these issuers would be rated B- and 13% CCC – this is meaningfully lower credit quality than the public high yield space which has roughly 50% BB rated bonds plus an additional 30% B+ and B rated on a market value basis.3 Furthermore, as interest in private credit has increased the spread between private and public markets has collapsed in recent years, as shown in the stacked bar chart in Figure 2. The yield differential between direct lending. Bear Loans, East Killara. 38 likes. Bear Loans is a finance broker offering home loans, commercial loans, asset finance, car loans and s Bear Loans, East Killara. 37 likes. Bear Loans is a finance broker offering home loans, commercial loans, asset finance, car loans and s

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Accounts, individual retirement accounts, share certificates, vehicle loans, personal loans, credit cards, gift cards, home loans, home equity loans, home equity lines of credit, homeowners insurance, investment program, early direct deposit, mobile banking, online banking, telephone banking, overseas branchesCommunity outreach: Andrews Federal Credit Union sponsors several charitable drives and programs for its local community, such as collecting school supplies for schools and students in the Washington, D.C. area and hosting toy drives, turkey giveaways, and adopt-a-family programs during the holidays.Democracy Federal Credit Union Branches: 2 (Alexandria) and the branches in the CO-OP Shared Branch networkATMs: 30,000+ no-fee ATMS nationwide in the CO-OP ATM networkServices: Checking accounts, savings accounts, money management accounts, individual retirement accounts, share certificates, auto loans, home loans, personal loans, credit cards, home equity loans, home equity lines of credit, recreational vehicle loans, share secured loans, mobile banking, online banking, telephone bankingTransit Employees Federal Credit UnionBranches: 1 (Alexandria) and the branches in the CO-OP Shared Branch networkATMs: ATMs in the following networks: CO-OP, Star, CU24, Visa, Shared Branch, Transit Employees FCU Services: Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, vehicle loans, loyalty loans, student loans, personal loans, signature loans, credit cards, gift cards, reloadable cards, home loans, home equity loans, home equity lines of credit, secured loans, insurance products, wire transfers, mobile banking, online bankingTransportation Federal Credit UnionBranches: 1 (Alexandria) ATMs: CO-OP ATMsBlack-owned or Black-led: Black-ledServices: Checking accounts, savings accounts, money market accounts, individual retirement accounts, share certificates, vehicle loans, student loans, personal