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Patient Source >> Costs >> Funeral Financing

 Loans for Funerals

 Today, the costs of living all over the world had already increased.  Parallel to this, the cost of dying had also increased significantly.  Everything that would support a person’s life has a cost.  Ironically, everything that would “support” a person’s death also has a cost.  Just before a sick person dies, the hospitalization fees and everyday costs of living are already relatively expensive, which would be increased furthermore when the person dies. Patient Source supplies funeral loans with no money down for applicants in the 50 USA states.

A research done  in USA  on March 2000 found out that the burial rites in USA  would amount up to 4,000 on the average.  They have also found out in the same research that it had amounted up to 3300 on the average.  These data says that there had been a 129% increase of burial costs, and 67% increase in the cremations cost as well just in the span of nine years.  This study had been conducted in different regions throughout Britain, which made them find out that there is a significant variation of burial and cremation costs depending on which region it is.

 With these very high and expensive costs, it would be a good help if there is a loan grant that will help the ones that the deceased person had left.  There actually is one kind of loan grant that helps the people that were left, this kind of loan is called a funeral loan.  Funeral loans in general are loan grants that are provided by loan providers with the premise that borrowers should have a recently deceased relative and should only use the loan for the funeral rites of the deceased relative.

 People who are having troubles of meeting the relatively high costs of these funeral rites could ask for help from Government funds, as well as from the private sectors.  This kind of loan grant can be considered as a kind of unsecured loan grant, because the borrower does not have to present secured assets to the lender in order for the loan to be granted.  But unlike other types of unsecured loan grants, this type of grant requires the borrowers to present proofs that the deceased does not have any other close relative who can afford the payment for the funeral rites.  Also, the loan providers would check if the deceased had pre-paid funeral plans and / or has sufficient funds that could shoulder the funeral rites.

Eligible applicants could only avail of an amount up to 2000.  If the costs are above this said amount, the borrower would be the one responsible to shoulder the excess amount. On the other hand, there are private loan providers that would be willing to provide loan grants more than 2000 if the borrower needs it.

Just like every other types of loan, the borrower would be the one responsible for the payment of the whole loan.  But on the other hand, it is also possible for the borrower to seek help from his / her other relatives so he / she can pay for the loan.