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Boat Loans - Obtaining the Best Rates

By David Faulkner


Having a boat is a dream that many men secretly nurture. It's one of the major purchases anyone can make, probably as important as buying a home! A car is something that everyone needs to buy, but a boat is already considered a luxury.

The major decision to purchase a boat brings about the question of how you are going to pay for it. It's good if you can pay in cash, but oftentimes, this is not the case. It is a relief to find out that you can now avail of boat loans to pay for your boat purchase. If you look around, you may be able to scout for the best competitive interest rate in town.

The local bank is the primary institution to obtain boat loans. It offers competitive interest rates and if you are a valued client, you may even be granted preferential rates that may either be fixed or variable for a term of six months. The loans officer of the bank will require you to submit documentary requirements before processing boat loans.

Aside from the bank, a credit union is also an ideal source for boat loans. If you happen to get rejected by the bank, or if the bank rate does not suit your budget, the credit union may just have something for you. It caters to almost all types of land and water vehicles and they can offer competitive rates as a come-on to would be clients. You may make inquiries on boat loans over the phone by talking to the loans officer.

Boat distributors may also offer boat loans with special terms. This alternative seems to be the best arrangement because you get to finance the purchase of your boat and obtain a warranty and maintenance for the same from just a single location.

Processing of boat loans entails evaluation of the loan clients and thus may take a longer time to be released. However, the savings you can get out of minimal interest rates is worth the wait. Canvassing interest rates at other sources can help you secure the best boat loans deal to suit your budget.

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Day sailing yachts are usually small sub-20-feet (6 m) in length. Sometimes called dinghies, they often have a retractable keel, centerboard, or daggerboard. Most day sailing yachts do not have a cabin, as they are designed for hourly or daily use and not for overnight journeys. At best they may have a 'cubby', where the front part of the hull has a raised solid roof to provide a place to store equipment or to provide basic shelter from wind or spray.
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