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Fees- A home loan
often involves many fees, such as loan origination or underwriting fees, broker fees,
and transaction, settlement, and closing costs. Every lender
or broker should be able to give you an estimate of its fees. Many of these fees are
negotiable. Some fees are paid when you apply for a loan (such as application and appraisal
fees), and others are paid at closing. In some cases, you can borrow the money needed to pay
these fees, but doing so will increase your loan amount and total costs. "No cost" loans are
sometimes available, but they usually involve higher rates.
Down Payments and Private
Mortgage Insurance Some lenders require 20 percent of the home’s
purchase price as a down payment. However, many lenders now offer loans that require less than
20 percent down--sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not
made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in
case the home buyer fails to pay. When government-assisted programs such as FHA (Federal
Housing Administration), VA (Veterans Administration), or Rural Development Services are
available, the down payment requirements may be substantially
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A financial analyst securities analyst, research analyst, equity analyst, or investment analyst is a person who performs financial analysis for external or internal clients as a core part of the job. Financial analysis (also referred to as financial statement analysis or accounting analysis or Analysis of finance) refers to an assessment of the viability, stability and profitability of a business, sub-business or project. It is performed by professionals who prepare reports using ratios that make use of information taken from financial statements and other reports. These reports are usually presented to top management as one of their bases in making business decisions. Certification as a financial analyst requires accredited education in finance
Management consulting is the practice of helping organizations to improve their performance, primarily through the analysis of existing organizational problems and development of plans for improvement. Organizations may draw upon the services of management consultants for a number of reasons, including gaining external (and presumably objective) advice and access to the consultants' specialized expertise. Becoming certified in management consulting requires proper education experience and credentials.
Management accounting or managerial accounting is concerned with the provisions and use of accounting information to managers within organizations, to provide them with the basis to make informed business decisions that will allow them to be better equipped in their management and control functions. Cost accounting is a process of collecting, analyzing, summarizing and evaluating various alternative courses of action. Its goal is to advise the management on the most appropriate course of action based on the cost efficiency and capability. Cost accounting provides the detailed cost information that management needs to control current operations and plan for the future. Certification in management or cost accounting requires education and expertise in accounting.
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