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Apply for loan: There is an old saying taught to marketing graduates that “the client is king”. We have all heard this saying in different variations at some point, and this is because it is still applicable to all sorts of client-vendor relationships. For people seeking financing, you should keep in mind that you are the client and the lender wants to sell his loans to you as well. Many debtors think their hands are tied behind their backs when it comes to loan term negotiations, which frankly is not true.

Foreclosures have become the norm particularly in the aftermath of the Financial Collapse in 2008. As a result, it is the debtors who have the upper hand given that they have good employment history and have a paycheque in the bank every month.

Once those conditions are fulfilled, it is relatively easy for the borrower to negotiate terms on the loan, say the maturity and the interest rate. They may also be able to reduce or eliminate fee and other surcharges associated with late payments.
In case, borrowers are having difficulty keeping up with instalments, institutional lenders such as banks may also offer debt consolidation services.

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