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Taking out a loan for your wedding can be good for your marriage. There is no better way to find out about your partner’s spending habits and your compatibility about financial matters.

The actual process of taking out a wedding loan is easy the difficult part is figuring out how much you need and how much you can afford.

Before you approach a lender, decide together what you want to spend on your big day.

Make a list of what you’d like at your ideal wedding and, if the final figure makes either of you uncomfortable, start paring down.

One way to get a handle on costs is to list the expenses as necessary, unnecessary but desired, and frivolous extras.payday loans direct You certainly will need a venue, but do you really need to splurge so much on flowers and ribbons.

You should also consider what you can afford to pay back each month on your loan before you get one. You don’t want your wedding loan to become a burden for the rest of your lives together, so don’t borrow more than you can repay in 3 years.

Make sure what you decide about the scale of the event and what it will cost is a unanimous decision. That way you will avoid any future ill will or resentment. You’re in this for better or worse and you’ll be paying for your loan together.

Wedding loans exist in 2 forms secured and unsecured. To secure a loan you can use your home, car, or an alternative forms of security like stocks and bonds. Unsecured wedding loans require no security.

Interest rates are reasonable on wedding loans, but that doesn’t mean you shouldn’t shop around. Wedding loans do not usually have any fee or pre payment penalties. Do your research to find the best rates and terms.

Compare options like refinancing an existing home loan and other loan options to determine if a wedding loan is the best choice in terms of what you will have to repay.

Even if you have bad credit it’s likely you’ll still be able to get a wedding loan. Get your credit report before you apply for the wedding loan so you’ll be able to make a good impression with your lender by alerting him to your situation.

Ask friends, family and co workers for referrals to a good lender, just in case they got good deals in the past. Most likely, however, you will end up shopping for your wedding loan on the Internet.

If you choose an online lender you will be required to fill in a few simple forms on the lender’s Web page, giving details about your occupation and income, before the process begins in earnest.

Before you formalize the loan you will probably be asked to produce some if not all of the following: Copy of deed to any property; Last 2 years’ W 2’s, tax returns and current pay stub, or two years’ tax returns if self employed; Proof of income from alimony, child support, lawsuit settlement or other income sources; Copies of your last 3 6 bank statements and a list of all open credit accounts (account numbers, payment amounts, and balances). Make sure you have all of the items in hand before you talk to your lender, as it will shorten the loan approval process.

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