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TOKYO， May 20 (Xinhua) -- Tokyo stocks closed higher Friday as investor sentiment was buoyed by the yen's retreat against the U.S. dollar which sent exporters higher， but buying was capped as some players opted for the sidelines ahead of the Group of Seven finance chiefs' two-day meeting kicking off later today.


The 225-issue Nikkei Stock Average added 89.69 points， or 0.54 percent， from Thursday to close at a near-three-week high at 16，736.35.


The broader Topix index of all First Section issues on the Tokyo Stock Exchange， meanwhile， finished 6.84 points， or 0.51 percent， higher at 1，343.40.


Notable advancers at the close of play comprised fishery， agriculture and forestry issues， as well as textiles and apparel-linked stocks.


The turnover on the last trading day of the week was 1，883.1 billion yen (17.11 billion U.S. dollars).

" Finance > Insurance > Home InsuranceHome Loan Pre-Qualification vs. Pre-Approval

Posted by nick_niesen in Finance on October 29th Cheap Soccer Jerseys China , 2010


Once you've decided to buy a property, the first step is not to go house hunting. Instead, you should find out what you can borrow. In doing so, it is important to understand the difference between loan qualification and approval.


Pre-Qualified


Getting pre-qualified for a home loan carries little if any weight when it comes to actually getting the loan issued. Let's take a look at why.


Its time to buy your first home and you've done the research. The first step is to find out how much you can borrow. Down to the bank you go for a sit down with a friendly home loan officer. This person asks you questions about finances Cheap Soccer Jerseys , salaries, credit and so forth. You might even be asked to fill out a short questionnaire. After a surprisingly short time, the bank officer suggests a loan amount of around $300,000 is probable. Being really helpful Cheap Jerseys Online , the bank officer even prints out a form letter with your name and the pre-qualification amount of $300,000. Wow, that was easy...perhaps to easy?


The problem with pre-qualifications is they are based on best guesses. The bank officer looks at no hard facts. When it comes time to actually apply for the loan, you can be assured the lending institution isn't going to be willing to guess. In fact Cheap Jerseys Shop , you might be told you don't qualify for a $300,000 home loan when push comes to shove. You might only qualify for $250,000. In nightmare situations, you might not qualify at all because of credit problems. In short Cheap Jerseys From China , home loan pre-qualification is a waste of time for the most part.


Pre-Approval