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It is easy to become confused when choosing marine finance for your new boat. We are often asked common questions on the subject, and provide the following independent advice free of charge.

What should I look for in a marine finance lender?

Your marine finance lender should specialize in boat loans. Lenders are required to understand and appreciate specific related laws, such as possessory interest and mechanic's liens. You could end up having to pay for mechanics charges and retroactive yard fees without this experience.

What payment options should I look for?

Better lenders offer more than a typical monthly payment plan. Some people may be more comfortable with seasonal payment plans that will allow you to miss consecutive payments a year, the same months every year for the life of the loan. This can be attractive for those with seasonal varations in income, people such as sales workers, retailers, consultants, contractors and others. Those with large annual bonuses, might opt for annual payment plans, to make their repayment inline with their bonuses. This option means that you only make one repayment a year, and can usually delay the first of the payments by a few months to give you some flexibility between the time of the initial payment and when the first payment is due.

Some peoples lifestyle and income work better with smaller, frequent repayments. Biweekly or monthly payment options often work best in these situations.

What is the difference between fixed rate and variable rate loans?

Fixed rate loans have a guaranteed, fixed rate over the life of the loan. This means your monthly payments never change. A fixed rate loan generally charges a slightly higher rate.

Unlike fixed rate loans, adjustable rate loans usually begin with a fixed-rate period (typically 1 or more years) and then fluctuate over the remainder of the loan's life, within certain parameters. An experienced marine lender will be able to help you determine which type of loan is best suited to your needs.

What fees are associated with the loan?

Investigate closing costs and other loan-related fees. These can include, but aren't limited to, processing and underwriting fees, appraisal fees, the cost of a credit report, tax service fee, application fee and others.

Are there any prepayment penalties?

Some lenders will penalize you if you repay your loan in less time than originally planned. Check with your lender about these fees, especially if there's a possibility you may have a large increase in income over the life of your loan.

What financing options can you offer me to make the most of my boat purchase from an investment standpoint?

Did you know that your boat may qualify as a residence for purposes of deducting interest expenses on your tax return? In such instances, some customers choose to finance more of the purchase price of their boat and hold on to their cash for other purposes. Of course, you need to discuss these issues with your tax advisor for specific recommendations. The team of marine loan specialists at KeyBank NA will be able to guide you through a variety of money saving options.

Why do I need a survey done before I buy a used boat?

A professional survey is essential for all used boat sales, and most lenders require one. These surveys can uncover information about the boat's condition that you may not have known. Getting a professional survey before you buy could save you thousands of dollars down the road. It's better to be safe than sorry.

Written for Bob Spalding by Jake Gourd. Providers of marine finance and watersport gear.

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Travel And Scenic Photography 101
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How To Make Business Travel Easier On Your Family
Managing Your Finances Once Married
Renting A Car How To Survive Financially
Starting A Home Computer Business Is Still Smart
Rv And Motorhome Vacations Offer Discount Travel Options
Computer Running Slow Here S One Reason
Shopping For The Perfect Gift
Highway Madness Holiday Travel In New Jersey
Managing Your Finances Once Married
How To Backup Your Computer Files
Travel Doctor Q A
Shopping Your Way To Weight Loss
Wheelchair Travel Tips
Shopping For The Perfect Wedding Dress
Where And How To Find Financed Notes
Travel Insurance
7 Things To Know When Shopping Bird Cages
Son Can I Use The Car Tonight
Travel Light To Work
Online Travel Bargain
A Hacker Inside Your Computer
What Car Donations Do
Shopping For Holiday Gifts The Internet Makes It Easy
New Baby Shopping List
Shopping Online Can Be Fun
Basic Tips On Personal Finance
Travel Connections Stay In Touch
What You Should Not Do When Buying A New Car
Some Computer Forensics Basics
Online Shopping 10 Tips For Safe Online Shopping
Online Shopping Choosing The Correct Contact Lenses
Online Shopping Vs Adult Book Stores
Why Refinance Your Home
10 Tips On Computer Clutter Clean Up
5 Ways To Make Night And Weekend Computer Life Rich
How Do You Find The Best Car Seat To Protect Your Child
Car Rental Safety
Auto Parts Deal Offers Solution To Your Common Car Problems
Limo Service Advice
5 Sure Fire Tips For Buying A New Computer
Mercury Muscle Car Wins In The End
Wedding Loans Perfect Finance Option For A Perfect Wedding
Index
Online Shopping Saves You Time And Money
The Three Basic Methods Of Car Pinstriping
Buy A Home Through Your Home Computer
Cruise Travel Home Business
E Commerce Solution Shopping Cart Or Web Store
The Cost Of Spyware On Your Computer
Seven Tips For Organized Holiday Travel
Get Paid To See The World Become A Travel Writer
Shopping Tips 3
Shopping
Refinance Rental Property Don T Sell It
Mega Worldwide Travel Online
Help For Road Warriors Ten Tips To Simplify Travel
Tips For Choosing The Perfect Travel Mug
Is Your Computer A Friend Or A Dirty Name
Do You Need Computer Training
Reviving Old Computer Games
Travel Asia Festivities And Fun
Online Shopping 10 Tips For Safe Online Shopping
Flashy Car Rims Is It Just A Guy Thing
The Cost Of Spyware On Your Computer
How To Summer Ize Your Car
5 Ways To Make Night And Weekend Computer Life Rich
Finance And Divorce
E Marginalia Travel Beyond The Margin
Travel Insurance Tips
Why You Can T Do Without A Car Audio Capacitor
Start Up A Travel Photography Business
Staying Healthy While Traveling
A Rookies Guide To Car Rentals
Protect Your Computer
The Changing Shape Of Family Finances
Audi Car Part
Enjoy The Luxury Of Mercedes Benz Car Parts
Car Rentals For Young People
Computer Controlled Led Signs
E Commerce Solution Shopping Cart Or Web Store
Money Saving Health Insurance Shopping Tips
Shopping For The Best Luggage For Vacations And Business Travel
How To Clean Up Your Personal Finances
Speed Up Your Computer Inner Cleansing Tips For Your Pc
Shopping In London
The Best Credit Card Shopping For A Credit Card
The Havanese Puppy Where Did It All Start Part 1
Travel Guide And Tourist Attractions
How To Keep A Toddler Content While Shopping
Deducting Points On Home Refinances
Single Travel Meet People The Fun Way
What You Should Not Do When Buying A New Car
Refinance Your Second Mortgage
Mystery Shopping Basics
Questions To Ask A Potential Car Warranty Provider
Poor Credit Mortgage Refinance Getting Approved
Winter Car Care
Learn How To Choose The Right Fuel Treatments For Your Car
Refinance Your Home Mortgage Online
A Car Buying Guide The Resale Value Of Your Car
Shopping Home Equity Loan Rates
Car Rentals For Young People
The Trials And Tribulations Of A Confused Computer
Keep A Diary Of Your Computer
How To Go About Online Shopping
New Car Registrations And Car Insurance
Finding The Best Travel Credit Cards
Use Tax Credits To Help Finance Your College Education
Computer Security What Exactly Is It
Finding A Mortgage Refinance Advisor
Is Your Computer Sick
Recognizing The Warning Signs Of A Sick Car
Is Your Computer Infected With Spyware
Beware The Shopping Mall Monster
The Truth Behind Your Finances
Winter Car Care Tips
Online Shopping Guide 101
Mystery Shopping For Stay At Home Moms
What Is Computer Programming Anyway
Mystery Shopping Frequently Asked Questions
E Commerce Solution Shopping Cart Or Web Store
Do You Know How To Remove Spyware From Your Computer
Traveling With Kids
Car Insurance Discounts
Kitchen Survival Shopping For Ingredients
Personal Finance 101 Credit Checks
Protect And Secure Your Computer Life
Travel Web Sites 5 Dirty Little Secrets
Make Money While You Travel
Taking Control Of Your Finances
Auctions And Car Transport Everything You Need To Know
Online Shopping Store Guide
Ask The Expert When Do I Refinance My Home
Marriage Finances 101
Shopping For Your Motorcycle Parts Online With Less Effort
Finding Te Best Travel Reward Credit Cards
How To Finance A Small Business
The Trials And Tribulations Of A Confused Computer
Tips For Saving Money Traveling In China
Computer Profits From Home What S Right For You
Travelling Overseas Staying Healthy
Rail Europe For The Student Traveler
E Marginalia Travel Beyond The Margin
The Wright Place Finances
Things To Look For When Buying Car Stereo Speakers
Best Time To Buy A Car
Gaming Computers And Computer Modding
Travel Rewards From Using Your Credit Card
Finance
Travelcasting
Distance Learning And Elearning For Computer Techs
Exotic Car Rentals
Lingerie Shopping Anxiety Solved
How To Get The Best Shopping Deals Over The Internet
The Right Way To Buy A Car
Bad Credit Refinance Loans Finding A Good Lender
Corporate Travel Management
Computer Cleaning
Basic Tips On Personal Finance
Travel
Skin Care Tips Online Product Shopping Check List
Gift Shopping Tips For Tight Budget
How To Choose A Car Transport Company
Improve Gas Mileage Without Damaging Your Car
Make Travel Plans For Tsunima Relief
Computer Cleaning
How To Have Your Computer Cake And Keep Your Family Too
No Computer Sound
Buying A Used Car The Wise Way
How To Make Business Travel Easier On Your Family
Quick Guide To Computer Training
Keeping Your Business S Finances On Track
Auto Refinance
Shopping For A Mortgage Avoid Three Common Mistakes
Using A Mortgage Refinance Company Online
The Road Less Traveled
Auto Parts Accessory Car Trucks Suv
Back That Thang Up Insure The Data On Your Computer
Preventative Car Maintenance And Fuel Filter Replacement Tips
The Charm Of An Oak Computer Desk
A Car Resale Value A Car Buying Guide
Guide To Safe Online Shopping
The Wright Place Finances
Refinance Mortgage Rate And Mortgage Rates
Caring For Your Car S Brakes And Rotors
Travellers Make Your Health Policy Work For You
Protecting Your Computer From Adware And Spyware
The Top 100 Travel Products That You Can T Live Without
The Importance Of A Healthy Car Exhaust System
Secrets To Traveling With Children
Online Surveys Financed My First Website
Computers Introverts And The Information Age
Car And Truck Alternators
Pearls Make Holiday Shopping Easy
Six Ways Under Your Nose To Finance Your Home Business
Should You Buy A Cheap Computer Desk
Twelve Threats No Computer User Should Ignore
Extra Extra Car Covers Save Car
My Computer Is Making A Strange Noise
What You Need To Know When Shopping For A Car Cover
Success At Work Techniques Computer Literacy
China Travel Tips
Men Women And Their Finances
Organize Your Christmas Shopping
Thriving By Shopping On Line
Home Refinance Why You Want To Refinance Your Mortgage
Guide On How To Land Computer Jobs
Understanding Finance To Make Your Life Easier
10 Tips On Computer Clutter Clean Up
Mystery Shopping For Fun And Profit
Choosing Your Best Travel Destination
Mercury Muscle Car Wins In The End
Top 5 Factors Determining Your Car Insurance Rate
Tips For Saving Money Traveling In China
Resolve To Improve Your Finances In 2004
Shopping Carts Online Shopping Cart
Computer Equipment Disposals And Recycling
Refinance Mortgage Or Not
Finance Jobs Finance Career
Secure Your Data Windows Data Backup Computer Software
Your Everybody S Car Battery Is Dying
Staying Healthy While Traveling
Make Money While You Travel
How To Choose A New Hard Drive For Your Computer
Winter Car Care
Damanhur And Time Travel Viewing
The Inferno Of The Finance Director
Personal Finance Worries Debt
Travel Light To Work
Making Shopping Lists
Technology For Travelers
Child Taken While Sitting In Repossessed Car
Travel Tips To America
Shopping For A Mattress Get In The Now
The Hows And Whys Of Vintage Clothes Shopping
Why You Should Refinance Your Credit Card
Useful Tips For Women Traveling Alone
The Road Less Traveled
Fraudsters Target Online Car Sales
How To Find A Cheap Hotel For Business Travel
Using Equity To Finance Home Repairs
Finance Is For Everyone
10 Tips On Computer Clutter Clean Up
Lane Bryant And Shopping For Plus Size Clothes
Using A Mortgage Refinance Company Online
Benefits Of Shopping Jewelry Online
Computer
Finding A Great Car Accessory
To Refinance Or Not That Is The Question
Choosing The Best Travel Accommodation
New Jersey Car Insurance What Do You Need To Know About It
The Charm Of An Oak Computer Desk
Travelling Safely With Your Child
Refinance Or Not That Is The Question
Alaska Brief Travel Guide
Costa Rica Travel Packages
How To Repair Your Car S Power Windows
Top 9 Used Car Salesmen Tricks And How To Avoid Them
Finance Tips
D Bust Your Computer Part 4 D
Mcse Ccna How To Choose A Computer Certification
Tips To Get Your Car Through A Cold Winter
In The Nick Of Time Your Car S Serpentine Belt
Shopping For The Best Bargains On The Web
Christmas Shopping Bargains For You
Online Shopping Store Guide
Learning To See By Traveling With A Teddy Bear
Dos And Don Ts Of Mystery Shopping
Is Now A Good Time To Refinance Your Home Loan
Computer Software Genres That Help Students Think