Question 1

How do business loans differ from personal loans?

Accepted Answer

Business loans consider business revenue, credit history, and business plan rather than just personal credit. They often have higher limits, different terms, may require collateral, and interest may be tax-deductible.

Question 2

What is debt-to-income ratio (DTI) for mortgages?

Accepted Answer

DTI ratio compares your monthly debt payments to your gross monthly income. Lenders calculate it as total monthly debts divided by gross monthly income. Most lenders prefer a DTI of 43% or less, though some programs allow higher. Lower DTI indicates you have more income available for your mortgage payment and improves your approval chances.

Question 3

What should I do if my card is stolen?

Accepted Answer

Immediately call your bank to report the theft and freeze your card, monitor your account for unauthorized transactions, file a police report if necessary, and request a replacement card with a new number.

Question 4

What happens when a CD matures?

Accepted Answer

At maturity, you can withdraw funds plus interest, renew the CD at current rates, or roll it into a different CD term. Most banks have a grace period (7-10 days) to decide without penalty.

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Frequently Asked Questions

How do business loans differ from personal loans?

What is debt-to-income ratio (DTI) for mortgages?

What should I do if my card is stolen?

What happens when a CD matures?

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