home-improvement loan Mr. and Mrs. Robert Sharonski have applied to your bank for a $15,000 home-improvement loan. You have checked their credit record, and it is excellent. All of their references gave very favorable comments about the Sharonskis. Based on the excellent credit record and the favorable references, you decided to give them the loan. Write a memo giving them the good news. The following details will be helpful in completing the memo. The loan will be for a period of 10 years at 6.75 percent annual interest. Monthly payments are due at the first of each month and will be $187.50. A $50 late fee will be assessed on payments made after the 10th of each month. The first payment will be due on March 1. Both Mr. and Mrs. Sharonski need to come in to sign the loan papers. The interest rate can only be guaranteed for the next two weeks. Include any additional information you think is necessary to complete the memo.
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