Question 1

What are closing costs on a mortgage?

Accepted Answer

Closing costs are fees paid at the end of a real estate transaction, typically 2-5% of the loan amount. They include appraisal fees, title insurance, attorney fees, origination fees, credit report charges, inspection costs, recording fees, and prepaid items like property taxes and homeowners insurance. Some costs are negotiable or can be rolled into the loan.

Question 2

How can bank statements help with budgeting?

Accepted Answer

Bank statements show spending patterns by category, help identify unnecessary expenses, track recurring subscriptions, verify bill payments, and provide historical data for creating realistic budgets and financial goals.

Question 3

What is a reconciliation in banking?

Accepted Answer

Reconciliation is comparing your bank statement with your own records to ensure all transactions match and identify discrepancies. It helps detect errors, fraud, forgotten transactions, and ensures accurate financial records.

Question 4

How do I get a debit card?

Accepted Answer

To get a debit card, open a checking or savings account at a bank or credit union. Most institutions automatically provide a debit card when you open an account. You can apply online, in-branch, or by phone. The card typically arrives by mail within 7-10 business days, and you'll need to activate it before use.

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Frequently Asked Questions

What are closing costs on a mortgage?

How can bank statements help with budgeting?

What is a reconciliation in banking?

How do I get a debit card?

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