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Some borrowers might still be able to borrow, but for smaller amounts or with different loan structures, and find this less preferable than the terms they would receive absent the proposal.
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You agree to a 349% interest rate and to repay the loan using bi-weekly payments over a period of 14 weeks.
Before you start filling out the loan application - and certainly before you meet with your lender - you'll want to determine what you can reasonably afford to risk.
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Under the proposed rule, small entities making a loan using the ATR approach would need to project the borrower's residual income, and therefore that aspect of this requirement would impose no additional cost on the lender.
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