لين معمار ملكة جمال غلوب الدولية ٢٠٢٢, فنانة سورية حسناء استعارت من عروس البحر الأبيض المتوسط جمالها وجاذبيتها ومن الغزال الدمشقي رشاقته وبهائه , تولعت منذ الصغر بعالمي الفن والجمال، تمنت وسعت فنالت ما أرادته, تمتلك طاقة من الإبداع والعطاء, واثقة من نفسها , لا أحد له فضل في نجاحها سوى عائلتها, استضفناها وكان هذا الحوار فلنقلب أوراقه..
*- كيف جاءت خطوة دخولك إلى عالم ملكات الجمال ؟
عالم ملكات الجمال هو حډث إعلامي له بريقه الخاص الذي يجذب المتابعين و يحفز فضولهم, أهلي وأصدقائي كانوا يشجعونني دائماً على دخول هذا العالم كما أنّ ثقتي بنفسي كبيرة أنّ الله أعطاني جمالاً طبيعياً وأحبيت أن أشارك في هذه التجربة الحلوة عن طريق الأونلاين وحصلت على لقب “ملكة جمال غلوب الدولية ٢٠٢٢” من قبل مؤسسة السوسن العالمية لاخټيار وتتويج ملكات الجمال
*- أحرزت لقباً جمالياً تتباهى به جميلات أنحاء العالم العربي، فما الذي سيتغير في حياتك بعده؟
هو شعور جميل ولكن بنفس الوقت هو مسؤولية على عاتقي بجميع المجالات والتغيير في حياتي هو أن أرضى عن نفسي دائماً لأصل إلى أهدافي في هذه الحياة
*- ماذا يعني لك الجمال؟
الجمال هو أن تحدّدي أنوثتك بنفسك، وأن تشعري بالإيجابيّة والثقة والجمال من الداخل إلى الخارج, معايير الجمال تتغيّر دائماً، ولكن ذلك لن يتغيّر, إذا كنت تشعرين بالجمال في الداخل سينعكس ذلك حتماً على مظهرك الخارجيّ
Mortgages are an essential financial tool that allows individuals to purchase a home or property. It is a type of loan that is secured by the property, meaning that if the borrower defaults on the loan, the lender can seize the property to recover their funds. In this essay, we will discuss what mortgages are, mortgage rates, who has the best rates, the pros and cons of mortgages, and the best mortgage companies in the USA.
What are Mortgages?
Mortgages are a type of loan that is typically used to purchase real estate, such as a home or commercial property. Essentially, a mortgage is a loan that is secured by the property itself. This means that if the borrower is unable to repay the loan, the lender has the right to foreclose on the property and sell it in order to recoup their losses.
Mortgages typically have a fixed interest rate and a set repayment term, such as 15 or 30 years. The interest rate is the amount of money that the borrower must pay in addition to the principal (or the amount of money borrowed) in order to compensate the lender for their services. The interest rate can vary based on a number of factors, including the current economic climate, the lender, and the borrower’s credit score and financial situation.
One of the key features of a mortgage is the down payment. The down payment is a portion of the purchase price of the property that the borrower must pay upfront in order to secure the loan. The size of the down payment can vary, but it is typically around 20% of the purchase price. A larger down payment can result in a lower interest rate and monthly payment, as well as a shorter repayment term.
Another important feature of a mortgage is the amortization schedule. This is a table that shows the breakdown of each mortgage payment, including the portion that goes towards the principal and the portion that goes towards the interest. At the beginning of the mortgage term, a larger portion of each payment goes towards the interest, while a smaller portion goes towards the principal. As the mortgage term progresses, the portion of each payment that goes towards the principal increases, while the portion that goes towards the interest decreases.
Mortgages can be obtained from a variety of lenders, including banks, credit unions, and mortgage brokers. Borrowers should compare rates and terms from multiple lenders in order to find the best option for their needs. It is also important to consider factors such as the lender’s reputation, customer service, and overall loan terms.
What are Mortgage Rates?
Mortgage rates refer to the interest rate charged by the lender on the amount of money borrowed to purchase a home or property. The mortgage rate is the cost of borrowing the money and is usually expressed as a percentage of the loan amount.
Mortgage rates can be influenced by a variety of factors, including the overall state of the economy, inflation, and market conditions. Lenders also consider the borrower’s credit score and financial situation when setting mortgage rates. Generally, borrowers with higher credit scores and lower debt-to-income ratios will receive lower interest rates on their mortgages.
Mortgage rates can be fixed or variable. A fixed-rate mortgage means that the interest rate stays the same throughout the entire term of the loan. This can provide stability and predictability for the borrower, as they know exactly how much they will be paying each month. However, fixed-rate mortgages may have higher interest rates compared to variable-rate mortgages, which can result in higher overall costs.
Variable-rate mortgages, also known as adjustable-rate mortgages (ARMs), have interest rates that can fluctuate over time. The interest rate is usually tied to an index, such as the prime rate or the London Interbank Offered Rate (LIBOR), and can change depending on market conditions. ARMs typically have lower initial interest rates than fixed-rate mortgages, which can make them an attractive option for borrowers. However, the interest rate can rise over time, potentially increasing the overall cost of the loan.
When choosing a mortgage, it’s important for borrowers to consider not only the interest rate, but also the overall loan terms and any additional fees or charges. Comparing mortgage rates from multiple lenders can help borrowers find the best option for their individual needs and financial situation.
Who Generally Has the Best Mortgage Rates?
The best mortgage rates are usually offered to borrowers with good credit scores, stable income, and a low debt-to-income ratio. Banks and credit unions are the most common lenders for mortgages, and they often offer competitive rates. However, online lenders and mortgage brokers can also offer competitive rates. It is essential to compare rates from multiple lenders before choosing a mortgage.
الجمال هو أن تحدّدي أنوثتك بنفسك، وأن تشعري بالإيجابيّة والثقة والجمال من الداخل إلى الخارج, معايير الجمال تتغيّر دائماً، ولكن ذلك لن يتغيّر, إذا كنت تشعرين بالجمال في الداخل سينعكس ذلك حتماً على مظهرك الخارجيّ
