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Getting a bank loan approved is not the easiest process. In light of recent economic troubles across the nation, lenders are looking for a lot more in a loan applicant and are more strict. While there are several key areas lenders will be focusing on, it is important that you are ready to present the perfect, complete package for review if you hope to get approved.<br />
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Here are 5 important steps you need to follow to ensure you bank loan can be processed without problems:<br />
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1. Understand your preferences<br />
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Before heading to your bank, check out loan packages online and see what competitors are offering. You need to be aware of what kind of loan you are looking for, the terms you can reasonably afford, and your goal for paying off the loan as fast as possible. If you are looking for a specific type of loan (auto, mortgage, personal) make sure you find the best deal for you. There may be many loan offers arriving in your mailbox, but check out the fine print before going further.<br />
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2. Ask questions<br />
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When you find the loan package you are most interested in, contact the bank directly to find out upfront what the requirements are for loan eligibility. You may need to make an appointment in person to discuss the necessary materials, documents, and timelines you will need to get started on the approval process. Banks have different requirements and it will be important to know what they are upfront so you can be prepared.<br />
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3. Know your limitations<br />
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If you are pursuing a loan, you should already be aware of your credit history and current score. The bank should tell you the range of credit scores required for loan approval. Plan ahead and request a copy of your history and score several weeks prior to your application. Review your credit history for accuracy and give yourself time to correct any errors in your history report. Lenders today will rely heavily on your past usage of credit. If there are mistakes on your report, you may end up with a lower score which can hurt your chances of loan approval. Consider your financial limitations when planning for a loan. Apply for the loan based on your financial ability to make repayments you can afford.<br />
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4. Create a checklist<br />
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Based on the information from the bank, it’s wise to create a checklist of the appropriate documentation needed for the loan application. It can take some time to secure the documents you need from creditors, your employer, and other financial resources. Incomplete applications can be cause for loan denial.<br />
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5. Have the right expectations<br />
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Again, applying for a loan when you’re in a hurry is never a good idea. Loan officers have a certain protocol for approving a loan and getting you the money. During the process, make sure to discuss the sequence of events so you’ll have an idea of when to expect an answer. While some loans can be pre-approved upfront, the specifics may not be known until a few weeks have passed. Ask the loan officers for advice on following up. Your goal will be to secure a loan you have the means to repay. You may also need to outline the reasoning behind the loan. If it’s a personal loan, the lender might want to know how you plan to use the cash, for example, you may need it for home improvements or debt reduction. The loan process can be a frustrating one and if the loan you applied for is not approved, the lender may provide the specific reasoning behind the denial. It can be dangerous to your credit to continually apply for just any loan you think you may be able to get. Too many loan applications can ruin your credit and obliterate your chances of securing one in the near future.<br />
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Source : <a href="http://www.forbes.com/sites/investopedia/2013/07/03/5-tips-for-getting-your-bank-loan-approved/" target="_blank">Forbes</a>

Getting a bank loan approved is not the easiest process. In light of recent economic troubles across the nation, lenders are looking for a l...

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Assurance service is an independent professional service, typically provided by Chartered or Certified Public Accountants, with the goal of improving the information or the context of the information so that decision makers can make more informed, and presumably better, decisions. Assurance services provide independent and professional opinions that reduce the information risk (risk that comes from incorrect information)<br />
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<b><span style="font-size: large;">Types</span></b><br />
Audits can be considered a type of assurance service. However, audits are only designed to test the validity of the financial statements. Under an assurance engagement, accountants can provide a variety of services ranging from information systems security reviews to customer satisfaction surveys. Unlike audit and attestation services that are often highly structured, assurance services tend to be customized and implemented when performed for a smaller group of decision makers within the firm. Often managers must make decisions on things they have incomplete or inaccurate data for, and decisions made on such data may be incorrect and increase the overall business risk. In this respect, assurance services can be very helpful in reducing such risk and help managers or decision makers make more confident decisions within a given firm. This is similar to audits in that investors will choose to invest in a firm that is publishing financial statements that have been audited by an independent firm.<br />
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Assurance services can test financial and non-financial information; due to this assurance services can be classified as consulting services. However, assurance services are not considered consulting[citation needed] because in consulting services, an accountant generally uses their professional knowledge to make recommendations for a future event or a procedure, such as the design of an information system or accounting control system. In contrast, assurance services are designed to test the validity of past data of the business cycles. Although there is no boundary to what an accountant can test in assurance services, a practitioner is discouraged from accepting an assurance engagement in which his firm or previous experiences does not provide them with enough expertise to make a professional opinion on the given data.[2][3]<br />
Assurance services done by accountants differ from nonassurance services.<br />
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Other examples of assurance services include:<br />
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<ul>
<li>Accounts receivable review</li>
<li>Business risk assessment</li>
<li>Comfort letter</li>
<li>Customer satisfaction survey</li>
<li>Information systems security review</li>
<li>Internal audit outsourcing</li>
<li>Medical billing services</li>
</ul>
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Source : <a href="http://en.wikipedia.org/wiki/Assurance_services" target="_blank">Wikipedia</a>

Assurance service is an independent professional service, typically provided by Chartered or Certified Public Accountants, with the goal of ...

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Tips For Getting Your Bank Loan Approved

Assurance service