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Considering loan consolidation
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Dethmourne Silvermane
Silvermane Holdings LTD
#1 - 2011-12-27 23:27:43 UTC
Right now I've got somewhere between 16 and 17 billion ISK in loans outstanding split amongst two lenders, one at 3% and one at 4%. I'd like to merge my loans to a single lender at 3, perhaps 3.5%.

Please let me know if you're interested; this would likely be a fairly long-term thing as right now I'm mostly burnt out and just play EVE enough to keep up with interest payments, but have some friends who are wanting to start up a new wormhole corp soon and have me help them out (in the next couple months).

I can get an audit if necessary, but there's no particular business plan to speak of to be audited. I'm afraid this one's a "if you don't trust me, don't go for it" kind of gig.

Interested Party (TM)
Ambo
Rattini Tribe
Minmatar Fleet Alliance
#2 - 2011-12-30 18:14:54 UTC
It sounds like there is no collateral but if there is, drop me an evemail and I may be interested.
Dethmourne Silvermane
Silvermane Holdings LTD
#3 - 2012-01-01 20:28:09 UTC
Afraid there's no collateral.

I've decided to just start burning missions/incursions and just scrap the debt entirely, shouldn't take too long v0v.

Interested Party (TM)
Bumblefck
Kerensky Initiatives
#4 - 2012-01-02 17:40:45 UTC
Consolidating debt with yet more debt = questionable
No collateral = bad
Analysis = sub-prime risk

Perfection is a dish best served like wasabi .

Bumble's Space Log
Dethmourne Silvermane
Silvermane Holdings LTD
#5 - 2012-01-02 18:10:21 UTC
I've been a remarkably good investment for a long time, but thanks for noticing that (after literally years of paying interest) I'm a bad risk. Blink

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Lauren Hellfury
Super Happy Awesome Fun Times
#6 - 2012-01-02 18:32:28 UTC
You look sad. Sad

Manhug?

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Cyniac
Federal Navy Academy
Gallente Federation
#7 - 2012-01-02 19:40:42 UTC
Dethmourne Silvermane wrote:
Right now I've got somewhere between 16 and 17 billion ISK in loans outstanding split amongst two lenders, one at 3% and one at 4%. I'd like to merge my loans to a single lender at 3, perhaps 3.5%.

Please let me know if you're interested; this would likely be a fairly long-term thing as right now I'm mostly burnt out and just play EVE enough to keep up with interest payments, but have some friends who are wanting to start up a new wormhole corp soon and have me help them out (in the next couple months).

I can get an audit if necessary, but there's no particular business plan to speak of to be audited. I'm afraid this one's a "if you don't trust me, don't go for it" kind of gig.


I am not sure I understand.

Why do you want the debt consolidation anyhow? If done at 3.5% you will probably be paying the same amount. If you are going to burn incursions/missions to kill the debt, it's not terribly relevant who is actually holding the debt.

Kill the 4% loan then kill the 3% loan and you'll be golden ;-)

Best of luck.
Botleten
Perkone
Caldari State
#8 - 2012-01-02 21:23:42 UTC
"Hey, I am 17 billion in debt, rarely play this game any more, have no collateral, and I want to pay you less interest than I am currently paying on a smaller loan than the one Im asking for... oh yeah, and I wont be paying you back anytime soon and I have no concrete plan on how Im going to do it."

Good luck finding a lender. And good luck to the fool who lends to you.
Dethmourne Silvermane
Silvermane Holdings LTD
#9 - 2012-01-03 00:19:33 UTC
Cyniac wrote:
Dethmourne Silvermane wrote:
Right now I've got somewhere between 16 and 17 billion ISK in loans outstanding split amongst two lenders, one at 3% and one at 4%. I'd like to merge my loans to a single lender at 3, perhaps 3.5%.

Please let me know if you're interested; this would likely be a fairly long-term thing as right now I'm mostly burnt out and just play EVE enough to keep up with interest payments, but have some friends who are wanting to start up a new wormhole corp soon and have me help them out (in the next couple months).

I can get an audit if necessary, but there's no particular business plan to speak of to be audited. I'm afraid this one's a "if you don't trust me, don't go for it" kind of gig.


I am not sure I understand.

Why do you want the debt consolidation anyhow? If done at 3.5% you will probably be paying the same amount. If you are going to burn incursions/missions to kill the debt, it's not terribly relevant who is actually holding the debt.

Kill the 4% loan then kill the 3% loan and you'll be golden ;-)

Best of luck.


Burning the incursions/missions and killing the debt in place of consolidation (which was something I wanted to do so I could pay one guy a month instead of two, mostly).

But yeah. Got my mission boat and a backup, along with a couple logis for incursions. I figure if I can avoid going out to drink for a couple weeks I'll do alright.

Interested Party (TM)