{"id":2156,"date":"2021-10-19T12:14:29","date_gmt":"2021-10-19T16:14:29","guid":{"rendered":"https:\/\/www.excel-finance.ca\/?page_id=2156"},"modified":"2024-08-23T15:34:18","modified_gmt":"2024-08-23T19:34:18","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.excel-finance.ca\/en\/why-a-private-loan\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t- Why a private loan?<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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FAQ<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. For how long can I obtain a loan?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The usual term of a loan is 1 year, which is the reasonable time to be able to qualify with a convention financial institution. (Banks, Caisses populaires). However in certain circumstances, the terms can be more or less than one year.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Can I renew the loan at the end of term?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A.Yes, it is possible to renew the loan at the end of ter term but it is at the discretion of the lender. <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Is there a penalty if I reimburse the loan before the end of the term?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The amount of the penalty is equivalent to one month\u2019s interest and only after the minimum term (usually 6 months)<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Why will I have to pay a penalty if I reimburse the loan before the end of the term<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The penalty received by the lender, which is usually equal to one month of interest when reimbursed before the end of the term, will compensate the lender for the time necessary to re-lend the money.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Can I transfer my loan to a prospective buyer?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. Yes, if the lender approves the new borrower.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Is a property appraisal necessary for a loan request?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. Normally, the lender will request a property appraisal by his own appraiser at your expense. <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. How will the value of my property be established?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The value of a property is generally established by the appraiser chosen by the lender and represents the value in the context of the sale of the property in a 3 month time frame.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What is the Loan to Value Ratio (LVR)?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The term Loan to Value Ratio is commonly used by lenders to represent the ratio of the loan over the value of the property expressed in percentage. For example, if someone borrows $150,000 to purchase a house with a $200,000 value, the Loan to Value Ratio is then $150,000\/$200,000 or 75%. The balance of 25% must come from the borrower. A high Loan to Value Ration means a higher risk for the lender and therefore a higner interest rate. \nNotre RPV pourra varier de 50 \u00e0 75% d\u00e9pendamment de la localisation de la propri\u00e9t\u00e9 donn\u00e9e en garantie.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What are the regions served by Excel Finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. In general, any regions within 3 hours of our office located in St-Bruno de Montarville.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Do I need a good credit rating to borrow from Excel Finance?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. Excel Finance will not refuse your loan request based on your credit rating. However, you will need to demonstrate that you are capable of making your monthly interest payments. In addition, you will need to have a plan to be able to reimburse the loan at the end of the term (or at maturity)<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. Can I chosse my Notary?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The Notary is always chosen by the lender.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What is my monthly obligation?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. In addition to the costs of maintenance, municipal and school taxes and insurance of your property, you will pay only the interest on your mortage loan on a monthly basis. The capital of the loan is payable at the end of the term only.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What are loan administration fees?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The loan administrion fees represent the fees associated with the analysis of your loan request. Upon demand, those fees can be added to the loan if the Loan to Value Ration allows it.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What is the advantage of consolidating my debt obligations?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The mortgage interest rates are generally lower than the rates on personnal line of credits or Credit cards. Consolidation of all your debts into one payment at a lower rate will make you save and will simplify your monthly payments.<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ. What will determine the interest rate applicable to my loan?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. The higner the Loan to Value Ratio, the higher the interest rate will be<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tQ.What can I do if I receive 60 day Notice ? (or Notice of intent to exercise a mortgage right)<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t
A. A 60 day Notice or Notice of intent to exercise a mortgage right is a legal action by the lender following defaults of his obligations by the borrower decribed in the Mortgage guarantee deed. It usually happens when the borrower does not make his payments at maturity dates. The Notice will specify that the lender could seize the property if the situation persists. If the Notice is for taking in payment, it means that the lender will keep as damages the difference between the value of the property and the amount owed. This Notice must be taken seriously. In that case, a new loan by Excel Finance can provide you with additionnal time to sell your property and therefore keep the difference between the loan amount and the proceeds from the sale of the property.\u2003<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Request a loan on line right now!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tRequest a loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

– Why a private loan? FAQ FAQ Q. For how long can I obtain a loan? A. The usual term of a loan is 1 year, which is the reasonable time to be able to qualify with a convention financial institution. (Banks, Caisses populaires). However in certain circumstances, the terms can be more or less […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":2136,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2156","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nFrequently Asked Questions | Private Mortgage Lender | Quebec<\/title>\n<meta name=\"description\" content=\"Have questions about private loans? Excel Finance, the top financial lender in Quebec, provides detailed answers in our FAQ section to guide you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.excel-finance.ca\/en\/why-a-private-loan\/faq\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently Asked Questions | Private Mortgage Lender | Quebec\" \/>\n<meta property=\"og:description\" content=\"Have questions about private loans? Excel Finance, the top financial lender in Quebec, provides detailed answers in our FAQ section to guide you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.excel-finance.ca\/en\/why-a-private-loan\/faq\/\" \/>\n<meta property=\"og:site_name\" content=\"Excel Finance Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ExcelFinanceHypotheque\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-23T19:34:18+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.excel-finance.ca\\\/en\\\/why-a-private-loan\\\/faq\\\/\",\"url\":\"https:\\\/\\\/www.excel-finance.ca\\\/en\\\/why-a-private-loan\\\/faq\\\/\",\"name\":\"Frequently Asked Questions | Private Mortgage Lender | Quebec\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.excel-finance.ca\\\/en\\\/#website\"},\"datePublished\":\"2021-10-19T16:14:29+00:00\",\"dateModified\":\"2024-08-23T19:34:18+00:00\",\"description\":\"Have questions about private loans? 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