Question 1

What is loan-to-value (LTV) ratio?

Accepted Answer

LTV ratio compares your loan amount to the property's appraised value, expressed as a percentage. For example, a $200,000 loan on a $250,000 home is 80% LTV. Lower LTV means more equity and less risk for lenders, often resulting in better interest rates and no mortgage insurance requirement. LTV above 80% typically requires PMI.

Question 2

What is a money market account?

Accepted Answer

A money market account combines features of savings and checking accounts, offering higher interest rates than regular savings, limited check-writing abilities, and debit card access. They often require higher minimum balances.

Question 3

How often are bank statements issued?

Accepted Answer

Most banks issue statements monthly, but you can typically access your transaction history at any time through online banking. Some banks also offer quarterly statements or on-demand statement generation.

Question 4

How do I read a bank statement?

Accepted Answer

Start with account summary showing opening/closing balance. Review each transaction chronologically noting date, description, debits (withdrawals), credits (deposits), and running balance. Check for errors or unauthorized transactions.

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Frequently Asked Questions

What is loan-to-value (LTV) ratio?

What is a money market account?

How often are bank statements issued?

How do I read a bank statement?

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