值得é信貸-請評論和決定|點對點貸款,點對點的貸款,人民對人民貸款|點對點貸款新聞,資訊,借貸策略

I recently had the pleasure of interacting with a borrower seeking a loan on Prosper.最近,我有幸同借款人尋求貸款的繁榮。The borrower as E credit and 15% debt to income ratio and is a homeowner… He has 4 endorsements (3 from bidders including the group leader).借款人電子貿易信貸和15 %的債務收入比率,是房主…他有4個簽注( 3投標人,包括組長) 。However, he has an E credit grade. But I am totally serious when I say that is is the cleanest extended credit I have ever seen on an E credit grade.但是,他的E信用等級。但我完全嚴重,當我說這是最乾淨的是擴大信貸我見過的電子商務信用等級。

Hello and Thank You for considering my loan request!您好,感謝你為我考慮貸款申請!

Despite great support from a wonderful group of lenders, my last loan listing did not get filled.儘管大力支持美好的放款人,我在上次貸款物品沒有得到填補。I am relisting my loan at a smaller amount with hope that this time it will be successful.我很物品我的貸款數額較小的希望,這一次它將會取得成功。My goal is rather than pay off all of my son’s medical bills at once, I will use this loan to pay off the one with the highest interest rate and monthly payment and then use the money we will be saving to pay down the remaining bill.我的目標是不是還清我所有的兒子的醫療費一次,我將利用這筆貸款還清具有最高的利率和每月付款,然後利用這筆錢,我們將保存到支付,其餘帳單。

Currently, I have a terrific career as a Computer Software Account Manager working with an insurance software developer based in New Berlin, Wisconsin.目前,我有一個了不起的職業生涯作為一個計算機軟件的客戶經理的工作與保險業軟件開發設在柏林,威斯康星州。I also have great我也有很大health insurance健康保險so my entire family is now fully covered.所以我的整個家庭現在已完全覆蓋。I attended the University of Phoenix located in Brookfield, WI where I received my BA degree in Business Administration.我參加了鳳凰城大學位於布魯克菲爾德,美國威斯康星那裡我收到了學士學位,工商管理。

My wife works part-time, and will be taking a maternity leave with the birth of our second son.我的妻子工程部分時間,將採取產假的誕生,我們的第二個兒子。My job currently pays all of our expenses; I will also be starting a second job soon to bring in additional income, primarily to replenish our savings and offset her maternity leave.我的工作目前支付所有的費用;我也將開始第二份工作不久將帶來額外的收入,主要是補充我們的儲蓄和抵消她的產假。

Due to our young son’s health problems 2006 and 2007 were difficult years for our family.由於我們年幼的兒子的健康問題, 2006年和2007年是艱難的歲月為我們的家庭。He required extensive hospitalization for up to three months at a time at Children’s Hospital in Milwaukee, Wisconsin for what the doctors believe was tracheal malasia.他需要大量的住院長達三個月的時間在兒童醫院在威斯康星州密爾沃基市的什麼醫生認為是氣管馬來西亞。This culminated in enormous medical bills for our family.這最終導致巨大的醫療費,為我們的家庭。While we have made headway in eliminating the majority of these bills, we are looking for a loan to eliminate that debt while giving us a realistic, short-term way to pay it off.雖然我們已取得了進展在消除大多數的這些法案,我們正在尋找貸款,以消除債務,同時給予了我們一個現實的,短期的方式支付其關閉。

If I am fortunate to be funded through Prosper, the money will be used to wipe out the highest remaining hospital bill.如果我幸運地通過普羅斯珀資金,這些錢將被用於消滅剩餘的最高醫療費用。Although we had good health insurance at the time there was a $100,000 maximum which my son’s hospitalization greatly exceeded.雖然我們有良好醫療保險時有一個最大的$ 100000我兒子的住院大大超過。Because of my salary, we did not qualify for any financial assistance with the medical bills and have struggled to pay back the debt.因為我的工資,我們沒有資格獲得任何財政援助的醫療費用,並竭力償還債務。I have already paid almost $40,000 of these hospital and doctors’ bills, but our savings has been completely sapped.我已經付錢了幾乎四點零零零萬美元這些醫院和醫生的法案,但我們的儲蓄已被完全消耗。

My credit rating has dropped from a “C” to an “E” since I last applied for a loan due to applying for two personal bank loans.我國信用評級已下降從一個的“ C ”到的“ E ”自從我上次申請的貸款由於兩年申請個人銀行貸款。I decided not to go that route due to the high interest rate.我決定不要去這條路線由於高利率。We have also incurred slightly more credit card debt due to the holidays and some minor home repairs.我們還略多支付信用卡債務由於節假日和一些小的房屋修理。These are at 0% interest, and I have a solid plan to pay this debt off by April, from a combination of my bonuses and our tax return, in addition to regular payments.這些都是在0 %的權益,和我有一個堅實的計劃,這一債務支付了4月,從結合我國的獎金和我們的納稅申報,除定期支付。Please note that my DTI is still very good, and I have more than enough to pay my Prosper loan on time, through automatic bank withdrawals, each month.請注意,我貿工部仍是非常好的,我有足夠的支付我普羅斯珀貸款時間,通過自動銀行提款,每個月。We have no delinquencies and are current with all payments.我們沒有拖欠,而且目前所有款項。

Monthly Net Income: I earn a base salary of $52,000 a year and quarterly bonuses of minimum $1,000, which comes out to be $3,087/mo.每月淨收入:我獲得的基本工資五萬二美元一年和季度獎金最低1000美元,這是向為3087/mo 。net.淨。My wife makes an additional $731/mo.我的妻子使得美元的額外731/mo 。net for a combined total of $3,818.00 monthly.淨額合計3,818.00美元每月。

Monthly Expenses BEFORE PROSPER Loan: $ 2,875每月開支前PROSPER貸款:二八七五美元
Housing: $ 1,200住房: 1200美元
Insurance: $ 80保險: 80美元
Car expenses (including gas): $ 300租車費用(包括天然氣) : 300美元
Utilities: $ 145水電費: 145美元
Phone, cable, internet: $ 100電話,有線電視,互聯網: $ 100
Food, entertainment: $ 400食品,娛樂: 400美元
Clothing, household expenses $ 100服裝,家庭開支100美元
Credit cards and other loans: $ 150信用卡及其他貸款: 150美元
Other expenses: $400 (medical bills that would be wiped out with the Prosper Loan)其他費用: 400元(醫療費,這將是消滅與繁榮貸款)
Monthly Expenses AFTER PROSPER Loan: $2,650每月開支後PROSPER貸款:二千六百五十〇美元

I have always considered myself to be a man of honesty and integrity and would never default on this loan.我一直認為自己是一個人的誠實和正直,絕不會違約這筆貸款。I will make sure this loan is repaid on time each month through automatic withdrawals from my bank account.我將確保這筆貸款是按時償還每月通過自動退出我的銀行帳戶。

Thank you for your assistance; I greatly appreciate it.感謝您的協助;我非常感謝它。

Do you think this is a good loan? Why or why not? Leave a comment.你是否認為這是一個很好的貸款?為什麼或為什麼不呢?留下評論。

If I get 2/3 of the vote for (with at least 10 votes) I will bid on this E loan myself (I will bid a low enough rate to garentee being on the loan: 1%). This would be my second E Loan ever.如果我得到2 / 3的投票(至少10票)我將出價這種電子商務的貸款自己(我將出價足夠低的利率正在garentee的貸款: 1 % ) 。這將是我的第二批E以往貸款。

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