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Your loan, if supported by strong assets, is called a secured loan. A secured loan can be called a minimal risk loan. This means negligible risk for the moneylender. The degree of risk taken up by the lender is considerably lower, as in the event of non-payment the assets can be attached.

In legal parlance, a secured loan is a loan wherein the borrower pledges collateral that he/she will forfeit in the event that he/she cannot pay back the loan. In a secured loan the property of the borrower acts as a security, which in effect balances the risk associated with the lending process. As is the case of all loans, the borrowed amount varies from one lender to another. It is also dependant on the credit history of the borrower. The amount usually depends on three factors namely the valuation of the real estate, the financial background, and the personal state of affairs. A secured loan is very risky business indeed, as you stand to lose a great deal in case you default on the loan.

There are people for whom secured loans are tailor made to satisfy the money requirements and still there are other people for whom secured loans are not such a good idea. Secured loans are long-term loans and the time period can stretch up to 25 years. A great benefit of secured loans is that there are no restrictions as to its use. You can use it for any purpose, as the lender sees no harm in allowing you to spend as you please. After all, he knows that you house is very precious to you and you will know better than to default on your loans.

A secured loan is best for those who require large sums of money and the borrower needs a large amount of time to repay the loan. Your search for a secured loan to suit your requirement won’t be very easy. This is because the lender takes every precaution to see to it that the loan is repaid. The lender tests your claim for a loan on different parameters. It is only if all the factors are favorable, that your loan is approved. But this does not mean that there are very few providers in the market who offer secured loans. You will be spoilt for choice in this regard, and to draw a comparison between all of them is an impossible task. In such cases you must evaluate the quotes gives by various lenders and hone in on the one that best satisfies your needs.

It is not very easy to be sure of the secured loan that can best serve your requirements. Some people hire the services of broker in this regard. A broker can help you get in touch with the best lender in terms of rates offered. But in the end it is best to be guided by your own judgment. So make an informed decision, choose a secured loan, and see your dreams take shape.

About the Author: James has been writing about mortgages for many years and offers information on the different types of mortgages available from the web site http://www.1mortgagesuk.co.uk