The Three Largest Factors In Your Interest Rate最大的三个因素中的利息

Article source: http://www.woopidoo.com/ . 文章来源： http://www.woopidoo.com/ 。 Used with author's permission. 用作者的许可。

There are three major factors that affect how much you pay for a loan.有三个主要因素影响多少你支付贷款。 Understanding these factors can save you time, money and frustration.了解这些因素可为您节省时间，金钱和沮丧。

1. 1 。 The Federal Reserve Discount Interest Rate.美国联邦储备委员会的利率优惠。

Banks and other lending institutions borrow money from the Federal Reserve Banks.银行和其他贷款机构借贷的联邦储备银行。 The discount rate is the interest rate a Federal Reserve Bank charges eligible financial institutions to borrow funds on a short-term basis.贴现率是利率联邦储备银行收费资格的金融机构借款短期基础。 This rate is set by the boards of directors of the Federal Reserve Banks.这个比率是由董事会的联邦储备银行。 The discount rate has a direct effect on the "Prime Interest Rate", which is the interest rate on short-term loans that banks charge their commercial customers with high credit ratings.折现率有直接影响的“总理利息” ，这是利率的短期贷款，银行收取他们的商业客户提供高信用评级。 You can get live information on the current Prime Rate at www.FedPrimeRate.info.你可以活资料的现任总理率在www.FedPrimeRate.info 。

Of the three major factors that affect your interest rate, this is the one you have the least amount of control over.三大因素影响您的利息，这是一个你有最低金额的控制权。

2. 2 。 Your FICO Score and Credit Report.您菲佐分数和信用报告。

There are companies that gather and sell information about information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.有公司，收集并出售有关的资料，您的工作和生活，您如何支付帐单，以及您是否已经被起诉，逮捕，或申请破产。 They are called Consumer Reporting Agencies (CRAs).他们被称为消费者报告机构（评级） 。 The most common type of CRA is the credit bureau.最常见的评级机构是信用局。 Potential lenders will get your credit report from the credit bureau.潜在的放款人将得到您的信用报告，信用局。

The FICO score is a method of determining the likelihood that credit users will pay their bills.该菲佐评分是一种确定的可能性，信用卡用户将支付其费用。 It condenses a borrowers credit history into a single number.它凝结一借款人的信用记录到一个单一号码。

You can protect your FICO score and credit report by paying your bills on time and not over-extending yourself.您可以保护您的菲佐评分和信用报告支付帐单上的时间和不超过延伸自己。 You also have the right to have false information removed from your credit report.您还有权删除虚假信息从您的信用报告。

3. 3 。 Lender Business Factors.贷款业务的因素。

Banks and other lenders are in business to make a profit.银行和其他放贷者是企业赚取利润。 They also exist in a competitive market.他们还存在着激烈的市场竞争。 Like all businesses, they will balance their profit margin with competitive factors.像所有的企业，他们将平衡其利润与竞争因素。 If they charge too little, based on your credit history and the prime rate, they risk going out of business.如果他们负责太少，根据您的信用记录和最优惠利率，他们走出去的风险企业。 If they charge too much, they risk losing you to a competitor.如果他们收费太多，他们可能会失去你的竞争对手。 Therefore, in order to get the best deal you can, you should shop around.因此，为了获得最佳的处理，您可以，你应该货比三家。

Keep one thing in mind when you are shopping around.保持一件事记住当你四处购物。 One of the things that affects your FICO score is the number of times your credit report has been accessed in a certain period of time.的事情之一，影响到您的菲佐评分次数是您的信用报告已经被浏览了一段时间。 Therefore allowing too many potential lenders to run your credit report in a short period of time could be counterproductive.因此也使许多潜在的贷款投放您的信用报告在很短的时间内可能会适得其反。 Three or four is typically a safe number.三或四个通常是一个安全号码。 If you request an on line quote from several lenders, they won't typically run your credit report until after they have made their initial quote.如果您要求在网上报价从几个放款人，他们不会通常运行您的信用报告之后，他们取得了初步报价。

(You must explicitly provide a potential lender with permission to run your credit report. For that, they usually need your Social Security Number.) （您必须明确地提供了一个潜在的放款人许可，以运行您的信用报告。因此，他们通常需要您的社会安全号码。 ）

In summary, the three major factors you pay for a loan are the prime rate, your credit history (FICO score) and business conditions such as competition.总之，三个主要因素您支付贷款的优惠利率，您的信用记录（菲佐评分）和商业条件，如竞争。 In order to get the best rate you can, you can do two things, keep up a good credit history by paying your bills on time, and shopping around for the best rate.为了获得最佳速度可以，你可以做两件事，保持一个良好的信用记录支付帐单的时间，四处购物的最佳利率。

David Brumbaugh is the owner and operator of EZandFree.com , which provides consumers with online tools for easily obtaining free competitive Mortgage and Loan Quotes.大卫伯伦巴是拥有和经营EZandFree.com ，这为消费者提供在线工具，可方便地获得自由竞争的住房抵押贷款和贷款信息。 It also serves as a mechanism by which Mortgage Brokers can obtain legitimate qualified leads from people who need their services.它还作为一种机制，其中抵押贷款经纪人可以取得合法资格的线索的人谁需要他们的服务。

Terms of Use使用条款

Copyright 2004 David E. Brumbaugh.版权所有2004戴维E伯伦巴。 All rights reserved.保留所有权利。 This article may be published in your newsletter or web site.本文可能会发表在你的通讯或网站。 It must be reproduced in its entirety including the biography and web address.它必须是全文转载于包括传记和网址。

Print this page 打印此页

del.icio.us Digg Furl Reddit Feed Me Links Technorati Newsvine Socializer Stumble Upon Google Bookmarks Squidoo BlinkBits BlinkList blogmarks Netvouz Ma.gnolia RawSugar Rojo Simpy Spurl Shadows Wists Yahoo! Co.mments! Scuttle! del.icio.us Digg的 卷 Reddit 饲料我联系 Technorati的 Newsvine Socializer 失败后 谷歌书签 Squidoo BlinkBits BlinkList blogmarks Netvouz Ma.gnolia RawSugar 罗霍 Simpy Spurl 阴影 Wists 雅虎 Co.mments ！ 破坏！