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Business Conference

Wayforward Financial Service (WFS)

Wayforward Financial Service (WFS) are operating in South Africa, United States of America, Canada, France, Italy, United Kingdom, India, Spain, China, Germany, Switzerland, Netherlands, Australia, Belgium, Denmark for over 20 years. Wayforward Financial Service (WFS) is here to help you on your journey to achieve your dreams. No matter how you got here, we will help you all along the way. We'll walk with you down any path you choose, providing support when you need it. Maybe your path needs you to pay off your credit cards, or maybe it needs inspiration from others' stories. We are here for you. We're not a bank. We're people building personal products with a purpose: helping you achieve your dreams and empowering you to live your best life. Wayforward Financial Service (WFS) has experienced first hand the colossal growth and development in world financial services. Our understanding of the world market in partnership with our vast network of branches spanning provides a key financial link between the world. Wayforward Financial Service (WFS) is a partner you can rely on, whether business choice or personal choice.


Wayforward Financial Service (WFS) has been operating in world under a full Banking License since April 2001.  Wayforward Financial Service (WFS), with its various distribution channels across the world and branches globally, Wayforward Financial Service (WFS) aims to offer its customers true and relationship with supportive products and services to help them reach their financial goals. We are committed to treating each customer as a VIP providing them with direct access to everyone in our team. We work closely with our customers to understand and exceed their individual needs with the aim of achieving our vision. Wayforward Financial Service (WFS) is constantly working to meet the changing needs of our customers by offering new and retail and commercial services and products. Wayforward Financial Service (WFS) also offers a highly experienced Trade Finance Division with an in-depth understanding. Whether you are looking to purchase your first home, refinance an existing or investment property, we can help. Wayforward Financial Service (WFS) offers a wide range of home loans service to suit the needs of the borrower. Our team can talk you through your options and help you find the program that suits your needs. We provide great customer service with 3% interest rates.


Personal Loan

Taking a personal loan makes sense when it's the least expensive form of credit, when it's used toward something that has the potential to increase your financial standing, like debt consolidation or home improvements, and when you can manage the monthly payments without stressing your budget. On the other hand, a personal loan used for discretionary expenses, like a vacation, can be expensive. NerdWallet recommends using savings for nonessentials, to avoid finance charges. If you're borrowing for emergency or medical expenses, consider less-expensive alternatives first, such as community assistance or payment plans.

Home Loan

How to take a home loan on favorable terms?

The problem of lack of own housing forces many people to think about mortgage loans. For some families this is the only way to buy an apartment. With the help of a mortgage interest rating, you can find the most affordable mortgage program and minimize loan costs for an apartment in installments.


Car Loan

A car loan (also known as an automobile loan, or auto loan) is a sum of money a consumer borrows in order to purchase a car. The party that lends the money is known as the lender, while the party borrowing the money is called the borrower. When you take out a car loan from a financial institution, you receive your money in a lump sum, then pay it back (plus interest) over time. How much you borrow, how much time you take to pay it back and your interest rate all affect the size of your monthly payment. Once you've decided on the car model, the bank as well as the loan amount and tenure, you can begin the application process. You can either visit a branch or apply online by visiting the bank's page. You will need to submit an income proof, age proof, identity proof and address proof.


How and Where Is It Better To Take A Car Loan On Favorable Terms?

If you do not have money to buy a car, you can use Wayforward Financial Service (WFS) lending program. Is it worth taking a car loan? The answer to this question you will find in our rating of loans for the purchase of cars. By indicating your details (loan amount, loan term, type of car, type of loan), you will see the current rating. For each program, you can see the amount of the overpayment, as well as the amount of the monthly payment. Such calculations will help to make the right choice.

Construction Loan

A building loan is used to finance the construction of a house on vacant land, or to finance renovations on an existing home. A construction loan (also known as a “self-build loan") is a short-term loan used to finance the building of a home or another real estate project. The builder or home buyer takes out a construction loan to cover the costs of the project before obtaining long-term funding.

Investment Property Loan

Investment property loans help you purchase homes to rent out for extra income or to flip and sell for a profit. These loans typically have higher barriers to entry than traditional mortgages — and higher interest rates. Always shop around to find a lender that offers the most competitive rental property loans. In order to qualify for investment property loans, you must have a clean credit history and a minimum credit score. 


Investment Property

What Is an Investment Property?

An investment property is real estate property purchased with the intention of earning a return on the investment either through rental income, the future resale of the property, or both. The property may be held by an individual investor, a group of investors, or a corporation. An investment property can be a long-term endeavor or a short-term investment. With the latter, investors will often engage in flipping, where real estate is bought, remodeled or renovated, and sold at a profit within a short time frame. The term investment property may also be used to describe other assets an investor purchases for the sake of future appreciation such as art, securities, land, or other collectibles. Understanding Investment Properties Investment properties are those that are not used as a primary residence. They generate some form of income—dividends, interest, rents, or even royalties—that fall outside the scope of the property owner's regular line of business. And the way in which an investment property is used has a significant impact on its value.

Types of Investment Properties

Residential: Rental homes are a popular way for investors to supplement their income. An investor who purchases a residential property and rents it out to tenants can collect monthly rents. These can be single-family homes, condominiums, apartments, townhomes, or other types of residential structures.

Commercial: Income-generating properties don't always have to be residential. Some investors—especially corporations—purchase commercial properties that are used specifically for business purposes. Maintenance and improvements to these properties can be higher, but these costs can be offset by bigger returns. That's because these leases for these properties often command higher rents. These buildings may be commercially-owned apartment buildings or retail store locations.

Mixed-Use: A mixed-use property can be used simultaneously for both commercial and residential purposes. For instance, a building may have a retail storefront on the main floor such as a convenience store, bar, or restaurant, while the upper portion of the structure houses residential units.


An investment property is purchased with the intention of earning a return through rental income, the future resale of the property, or both. Properties can represent a short- or long-term investment opportunity. Investment properties are not primary residences or second homes, which makes it harder for investors to secure financing. Selling an investment property must be reported, and may result in capital gains, which can have tax implications for investors.

Financing Investment Properties

While borrowers who secure a loan for their primary residence have access to an array of financing options including FHA loans, VA loans, and conventional loans, it can be more challenging to procure financing for an investment property. Insurers do not provide mortgage insurance for investment properties, and as a result, borrowers need to have at least 20% down to secure bank financing for investment properties. Banks also insist on good credit scores and relatively low loan-to-value ratios before approving a borrower for an investment property mortgage. Some lenders also require the borrower to have ample savings to cover at least six months' worth of expenses on the investment property, thereby ensuring the mortgage and other obligations will be kept up to date.

Tax Implications
If an investor collects rent from an investment property, the Internal Revenue Service (IRS) requires him to report the rent as income, but the agency also allows him to subtract relevant expenses from this amount.

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