Mega yacht loans. As of November 2023, the best interest rates for yacht loans typically start around 8. Mega yacht loans

 
As of November 2023, the best interest rates for yacht loans typically start around 8Mega yacht loans  We can arrange yacht loans that will meet your requirements, even if you are somewhat credit challenged

With 30 years. As of November 2023, the best interest rates for yacht loans typically start around 8. US$28,000,000* Dubai, United Arab Emirates. Infinity Yacht Sales | San Diego, CA 92101Our boat loan calculator is a simple and easy-to-use tool that can help you estimate your monthly payments for a fixed-rate boat loan. 113 likes. 24%. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. 87%. Tell me. Mega Yacht: Length: 262. 24%. Offering the best selection of boats to choose from. As of November 2023, the best interest rates for yacht loans typically start around 8. This Princess Yachts 67 is a luxurious and spacious motor yacht designed for those who value elegance, comfort, and high performance on the water. Create Search Alert. As the most trusted nationwide boat loan and RV loan provider, we offer new and used boat loans and RV loans at office locations coast to coast from Washington to Maine down to. New energy. New yachts over 100-feet long have an average price of a yacht equal to $1 million per 3. Rates. 24%. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new. * Price displayed is based on today's currency conversion rate of the listed sales price. ” That is the phrase that Donald Trump returns to again and again to explain just why he bought Adnan Khashoggi’s 86 metre yacht Nabila. Boats Group does not guarantee the accuracy of conversion rates and rates may differ than those provided by financial institutions at the time of transaction. KANDO130XL is 39 metre, long range superyacht, constructed of high grade steel hull and aluminum superstructure. 2023 Italcraft 105 Maxidrago. These rates fluctuate with market conditions, inflation, and supply and. 99% range for a fixed rate and down payments for most yacht sales are a 20% min. The power behind its top speed comes from two MAN engines and three Rolls Royce gas turbines, combining together to output a whooping 21,380 hp. New energy. These rates fluctuate with market conditions, inflation, and supply and demand. A mega yacht is a very large and expensive boat, typically over 80 feet long. The higher your credit score, the lower your interest. For example, an 84-foot yacht originally built in 2002 and renovated in 2015 sold for $1. According to the builder the new boat has been moved outside of the construction hall at their Kaag yard and is ready for final outfitting, as the company prepares her for sea trials to take place later this year. Kando150XL features 4 decks and offers 6 double guest cabins including full beam, 35 sqm Owner’s Master. Whether you’re financing a $25,000 Tracker bass boat or. * Price displayed is based on today's currency conversion rate of the listed sales price. miles. 24%. All CAT power. Namita Singh. YACHT LOANS UP. Description. US $2,702/mo. 3 feet in length. These rates fluctuate with market conditions, inflation, and supply and demand. 2016 Custom Made Lotus 220. 2m) NQEA 1989/2021. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. However, because carrying cash can. Older yachts below 85 feet are less expensive. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. 24%. These rates fluctuate with market conditions, inflation, and supply and demand. providing comprehensive support for your yacht financing needs. 24%. There are currently 2,878 boats for sale in Washington listed on Boat Trader. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Contact < 1 > * Price displayed is based on today's currency conversion rate of the listed sales price. As of September 2023, the best interest rates for yacht loans typically start around 7. As of November 2023, the best interest rates for yacht loans typically start around 8. Naval architects and industry executives generally believe that superyachts range from 37 meters (â 120 feet) to 60 meters (â 200 feet), and superyachts over 60 meters. 5 ft) the longest superyacht, as of 2020 A, at 142. 24%. 1989 Cruise Ship - Mega Yacht - 44 Passenger - Stock No. Borrowers with the highest credit scores and. 6 metres (592. Boats Group does not guarantee the accuracy of conversion rates and rates may differ than those provided by financial institutions at the time of transaction. These rates fluctuate with market conditions, inflation, and supply and demand. Mega Yacht: Length: 78. This collaborative effort. The iconic PELORUS is an apex superyacht of unquestionable pedigree. Ferretti Yachts ⁄. More from this Broker Visit Website. Get a personal loan from your bank If you have good credit, a personal loan may make a lot of sense. As of November 2023, the best interest rates for yacht loans typically start around 8. As of September 2023, the best interest rates for yacht loans typically start around 7. The iconic PELORUS is an apex superyacht of unquestionable pedigree. We are in a unique position to offer conventional and non-conventional loans when needed. If you’re applying for a loan less than $25,000, click here to apply online. Recommended by 99% of travelers. Best Mortgages for Bad. Crew capacity of 13 can be expanded. Adjust the loan term, down payment amount and interest rate to see results based on the numbers you provide – and how any changes to those numbers may affect your payment. 87%. Best Personal Loans. Other Details DescriptionMega Yacht Buying Guide 2023. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. As of November 2023, the best interest rates for yacht loans typically start around 8. As of November 2023, the best interest rates for yacht loans typically start around 8. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. These rates fluctuate with market conditions, inflation, and supply and demand. 24%. The superyacht sector comprises the world’s most luxurious, well-designed, top-performing yachts with a wide range of amenities and styles. Request Info; Sponsored; 2020 Majesty Yachts Majesty 100. 5-meter vessel was eclipsed by Azzam a few years later, while. 2021 Riviera 5400 Sport Yacht. More from this Broker Visit Website. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. Burns only 70 gph at 10 knots. Mega Yacht ⁄. These rates fluctuate with market conditions, inflation, and supply and demand. Best Credit Cards for Building Credit. Clear Filter Category: Power - Mega Yacht. Today, we will explore what defines. 87%. Foners – 70. 2018 Golden Yachts 85m Motoryacht. Request price. The higher your credit score, the lower your interest. Modern shapes, a clear and futuristic feel but classic colours and materials create a well-rounded exterior design for forward thinking clients. These rates fluctuate with market conditions, inflation, and supply and demand. 1. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. As of November 2023, the best interest rates for yacht loans typically start around 8. com, we'll make it easy with our boat loans and yacht financing tools. Mega Yacht: Length: 118ft: Fuel Type: Diesel: Hull Material: Fiberglass: Offered By: SYC Yachts: Description. 2024 AvA Yachts Voyage 90. They are mooring their mega-yachts, some. 87%. 24%. These rates fluctuate with market conditions, inflation, and supply and demand. She is a 115m (377. KANDO150XL is 47 metre, long range superyacht, constructed of high grade steel hull and aluminum superstructure. 2024 Majesty 175. This includes all the extras that you would like as part of the overall specification. Unparalleled Expertise in the Yacht Industry Comerica boasts over 40 years of customized yacht lending experience. The 4,999GT yacht marks a significant milestone for Feadship as its longest launch to date, surpassing the 110-metre Anna when she hit the water last year. These rates fluctuate with market conditions, inflation, and supply and demand. With 30 years of experience,. We hope you find your dream yacht below. The Ocean Eco 90 tries to renounce old yachting clichés and create a new look and feel for the new generation of E-Yachting. An ocean-proven offshore service vessel which can be converted to serve as a multi-mission yacht support vessel. A handy alternative to reap success when getting boat loans for old boats is to purchase a pre-owned boat from boat loan brokers and lenders. 87%. * Price displayed is based on today's currency conversion rate of the listed sales price. Mega Yachts for sale on Boat Trader are available at a swath of prices from a reasonable $85,600 on the lower-priced models all the way up to $29,795,000 for the most advanced vessels. * Price displayed is based on today's currency conversion rate of the listed sales price. Discover all available private yacht & superyacht charters with Burgess. 24%. BOAT LOANS UP TO $2,000,000. Configurez votre bateau, vivez pleinement les intérieurs et les extérieurs grâce à la continuité entre les espaces. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. Description. As of November 2023, the best interest rates for yacht loans typically start around 8. These rates fluctuate with market conditions, inflation, and supply and demand. 24%. Measuring in at a magnificent 85m (278. Privately-owned yachts over 100 feet in length are often interchangeably referred to as either superyachts or mega yachts. Priced from about USD350,000 - USD400,000. Below is a rough guideline for the. Kando90 features 4 decks and the exterior and interior designed by the in-house team of AvA Yachts. Get customized coverage for damage to your yacht and liability needs unique to large boats. * Price displayed is based on today's currency conversion rate of the listed sales price. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Request price. We can help you set sail on your dreams of boat ownership. Filters. These rates fluctuate with market conditions. US$6,795,000. As of November 2023, the best interest rates for yacht loans typically start around 8. These rates fluctuate with market conditions, inflation, and supply and demand. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Pedro Pierluisi said. Royal Caribbean's upcoming almost 10,000. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Any yacht over 80’ in length is a megayacht, but they can be as large as over 700’ in length. This yacht offers ample space for relaxing and entertaining with friends and family. Jeff Bezos, Amazon founder and the world’s richest man, will reportedly soon be the owner of a mega-yacht he bought for $500 million, almost double the price he paid to buy the Washington Post. Mega Yacht: Length: 43ft: Fuel Type: Gas: Hull Material: Fiberglass: Offered By: Wave Marine Services LLC-Puerto Rico - Wave Marine Services LLC: Description. 2022 New Build Project Explorer. Although Garcon is not an opulent superyacht but a fast yacht support vessel, she deserves the praise for carrying a huge luxurious helicopter, as this is what support vessels are for. 24%. Miami Beach, Florida. Yacht loans can be used for private party purchases and. As of November 2023, the best interest rates for yacht loans typically start around 8. Heli-deck for Bell 212. Low monthly payments. 2000 North American Xplorer Yacht Support. 24%. FGI Yacht Group | Genova, Genova. Price. miles. While it is possible only to use the yacht as security for superyacht finance, increasingly lenders will want something in return for offering this type of loan. 24%. 2022 Azimut Grande 32 Metri. We maintain an experienced staff at our facilities in Fort Lauderdale, Florida. 2003 Ferretti Yachts 94. 2 For crafts over 30ft in length. 29ft: Fuel Type: Diesel: Hull Material: Steel: Offered By: Global Marine Group: Description. 24%. These rates fluctuate with market conditions, inflation, and supply and demand. 2022 New Build Project Explorer. 87%. In a letter to Credit Suisse CEO Thomas Gottstein, US lawmakers asked the bank to turn over information and documents about a portfolio of loans backed by yachts and private jets owned by clients. Stunning with 3 spacious decks providing entertainment and accommodations for family and friends. National Liquidators and National Yacht Sales have handled over 40,000 cases since 1988. Kando130 features 4 decks and offers 6 double guest cabins including full beam, 35 sqm Owner’s Master suite cabin with full. 561-721-4850 or sales@horizonyachtusa. 2024 AvA Yachts Kando 110. 1 knots top speed, keeping the first spot since its delivery back in 2000. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. These floating palaces have become synonymous with the. As of November 2023, the best interest rates for yacht loans typically start around 8. 26. Toll-free (866) 520-7952. Find Azimut Yachts Mega Yacht for sale in your area & across the world on. While the details of the vessel have largely been kept under wrap, the 417-foot superyacht is so massive that it has a. Offering the best selection of boats to choose from. Auto Pilot Electric Windlass Electric Roof Top Hydraulic up and down swimming platform Bow Thruster Radar Auto Pilot GPS Tender Garage Standard Equipment. #everythingboats. As of November 2023, the best interest rates for yacht loans typically start around 8. 3ft) motor yacht of 5,403GT, with a steel hull and aluminium superstructure custom-built to DNV-GL classification and delivered by Lurssen in 2003. Each client is different, with some seeking truly customised financing, but most fall into one of the bank's standard products. As of November 2023, the best interest rates for yacht loans typically start around 8. US $7,024/mo. Mega Yacht: Length: 115. Mega Yacht: Length: 122ft: Hull Material: Steel: Offered By: Atlante Yachts: Description. 24%. Jeff Bezos' rumored 417-foot mega sailing yacht was reportedly seen setting sail in the North Sea out of the port of Rotterdam in the Netherlands in new footage released by Dutch media. 1899 2027. These rates fluctuate with market conditions, inflation, and. 24%. France seized Amore Vero, a 281-foot megayacht linked to oligarch and politician Igor Sechin, on March 3. These rates fluctuate with market conditions, inflation, and supply and demand. These rates fluctuate with market conditions, inflation, and supply and demand. More information on our website lengersyachts. Atlante Classic 37. The cost of a mega yacht can vary greatly depending on the size, age, and amenities of the vessel but they can easily cost tens of millions of dollars. 2024 AvA Yachts KANDO 130 XL. You choose your own yacht,. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. 25-6. Personal Loans if You Don't Have Credit. Commercial vessel was Lloyd’s Class +100 A1 Ice Class 1. Corporate events, weddings at sea, wedding receptions, dinner cruises, sunset cruises, proms and formal. The process is very simple: You choose your yacht, boat, or superyacht and negotiate a final price with the seller, boat dealer or manufacturer. US $17,568/mo. Kando130XL features 4 decks and offers 6 double guest cabins including full beam, 35 sqm Owner’s Master. Mega yachts are generally defined as yachts greater than 100 feet or longer, all the way up to the current largest yacht in the world — AZZAM, which is 180. 60ft: Fuel Type: Diesel: Hull Material: Steel: Offered By: IYB Yachts: Description. 2024 AvA Yachts Kando 130. A build from yachting company Fraser, which is celebrating its 70th anniversary, the "Project Infinity" is set. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. As of November 2023, the best interest rates for yacht loans typically start around 8. KANDO110 is 34 metre superyacht, constructed of high grade steel hull and aluminum superstructure. A typical superyacht financing scenario might involve a loan for 75 per cent of the purchase price of the yacht Factors the bank will look at to establish the terms include the size of the loan, the risk profile of. Kando130 features 4 decks and offers 6 double guest cabins including full beam, 35 sqm Owner’s Master suite cabin with full. 71ft: Fuel Type: Diesel: Hull Material: Fiberglass: Hull Shape: Deep Vee: Offered By: Timone Yachts - Rimini Office: Description. Yacht Loan Calculator; Insurance; Boat Transport;. 99% range for a fixed rate and down payments for most yacht sales are a 20% min. Borrowers with the highest credit scores and strongest overall financial. Walmart heiress Nancy Walton Laurie owns a multi-award-winning $300 million superyacht. And at least one pastor seized on the opportunity to use his PPP money to buy a private jet. Borrowers with the highest credit scores and strongest. These rates fluctuate with market conditions, inflation, and supply and demand. - MAX BEAM: 8. Yacht Sales. These rates fluctuate with market conditions, inflation, and supply and demand. Loan Calculator. Kand0130 is characterized by a huge volume of 490GT and a range of 7000 n. (US$1,850,000) San Diego, California. miles. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. These rates fluctuate with market conditions, inflation, and supply and demand. When exploring what type of boat or yacht to buy on YachtWorld, remember to consider carefully a number of important key factors. 24%. MSNUS $9,133/mo. TO $10,000,000Low monthly payments; Competitive yacht loan rates; No payment for up to 60 days; New and used yacht loans; Partnering with Trident Funding Mega Yacht ⁄ Azimut ⁄ 2023 Azimut Magellano 25m 2023 Azimut Magellano 25m €4,950,000 (US$5,402,644) Limassol, Cyprus Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon Image coming soon As of November 2023, the best interest rates for yacht loans typically start around 8. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. USSA: Here you’ll find boat loans that start at $5,000. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. It's not just a hobby. 24%. If you want to purchase a yacht, or build your own newbuild, or lease a yacht, check out our yacht finance packages. Financing structures range from straight forward mortgage loans to complex, multi-asset facilities including yachts, aircraft and real estate. As of November 2023, the best interest rates for yacht loans typically start around 8. 8ft) in length and with 2,342 gross tons of volume, O’PTASIA is one of the largest and most advanced yachts built by the Greek shipyard, Golden Yachts. Equipped with Rolls Royce (retractable) Zero Speed. 24%. HIGHTLIGHTS: An upper deck dedicated to the owner’s apartment, A VIP and 4 guests staterooms and a large after deck for a swimming pool and big toys makes this yacht the ultimate explorer machine. The 361-foot. Italy. As of September 2023, the best interest rates for yacht loans typically start around 7. 4 Staterooms each with en suite head and shower plus crew accommodations aft. As of September 2023, the best interest rates for yacht loans typically start around 7. As of September 2023, the best interest rates for yacht loans typically start around 7. Even if you are not strictly eligible for a boat loan due to a bad credit score or the fact that your boat is old, you might have a few other financing. You could soon own a 104-metre-long private mega-yacht complete with a helipad, glass elevator, cinema, and beach club — but it'll cost you £160 million ($200 million). Kand0130 is characterized by a huge volume of 490GT and a range of 7000 n. According to Bloomberg, the Swiss bank says two companies defaulted on two loans to refinance the purchases, and Prince Fahad is the ultimate beneficiary of the assets. Description. These rates fluctuate with market conditions, inflation, and supply and demand. As of September 2023, the best interest rates for yacht loans typically start around 7. Jeff Bezos, the founder of Amazon, has reportedly plunked down at least $500 million on a mega yacht that will rival the finest in the world and solidify him as a certified member of the St. These rates fluctuate with market conditions, inflation, and supply and demand. Above: The superyacht VICTORIOUS listed. Bank of America is one of the most popular and well-known. There are sailing yachts, schooners, catamarans, and mega yachts, just to name a few. Above: Feadship’s “Project 823”. United Yacht Sales - Florida, Miami | Fort Lauderdale, FloridaOne slide revealed that in 2017 and 2018, Credit Suisse experienced 12 defaults on its yacht and aircraft loans, with a third of these “related to US sanctions against Russian oligarchs. Interest rates on personal loans. 24%. Built in Canada and converted in U. KANDO130XL is 39 metre, long range superyacht, constructed of high grade steel hull and aluminum superstructure. She was designed by two of the world’s most celebrated yacht designers with sweeping exterior styling by Tim. 3 Cabins. A build from yachting. Pardo Endurance 60 - Livraison 2024. 24%. A $90 million mega-yacht owned by billionaire Viktor Vekselberg was seized in Spain on April 4 with help from U. This includes 1,708 new vessels and 1,170 used boats, available from both individual owners selling their own boats and experienced dealers who can often offer vessel warranties and boat financing information. As of November 2023, the best interest rates for yacht loans typically start around 8. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Jeff Bezos may soon be sailing the high seas in his very own mega-yacht. As of November 2023, the best interest rates for yacht loans typically start around 8. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. 2022 Alva Yachts Ocean Eco 90. As of September 2023, the best interest rates for yacht loans typically start around 7. 24%. 13-knots with 31-50 days endurance. These rates fluctuate with market conditions, inflation, and supply and demand. Email us or call us to contact one of out Sales Consultants and find out more about the buying process and the superyachts available for sale. Stunning with 3 spacious decks providing entertainment and accommodations for family and friends. As of November 2023, the best interest rates for yacht loans typically start around 8. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Show More. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. In other words, a 100-foot yacht will, on average, cost more than $30 million. La Datcha 77m Damen Yachting from $740,000 p/week ♦︎. Real Estate Mortgage, Boat Financing, Airplane Financing, Caribbean Financing, Mega Yacht Loans, Mortgage Loan, Aircraft Financing, Boat Loan. Find boats for sale in Turkey. YachtWorld, partnering with the most trusted yacht loan provider Trident Funding, specializes in new and used yacht loans and refinancing. Find Sail boats for sale in Norway. 24%. Using a yacht broker to help you buy a boat and using a broker to list and sell a boat is extremely important, especially when it comes to mega yachts and super yachts. Use our Boat Loan Calculator to determine a monthly payment that’s right for you, then fill out an Online Loan Application for our lending partner to underwrite. 24%. At boats. If you are a newbie struggling to redeem codes in Roblox: Mega Yacht Tycoon, we are here to help you. The Amazon CEO has commissioned a 127-meter custom yacht from the Dutch shipbuilder Oceanco, according to an excerpt from. Due for launch in mid-2024, Somnio is expected to. But this is. These rates fluctuate with market conditions, inflation, and supply and demand. Credit Suisse. An curved arrow pointing right. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. 62ft: Fuel Type: Diesel: Hull Material: Other: Offered By: Italian Yacht Store: Description. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. Oceans XI is one of the limited number of Super Yacht builds Hatteras. The yacht financing product offerings include traditional term loans for the purchase of new or pre-owned yachts, refit loans, bridge loans, construction loans and cash-out loans. 2023 Alarnia C118 B-My-Joy. 2022 New Launches. This astonishing yacht, built by AB Yachts and delivered to her owner in 2013, is open for sale. Length (m) 6 136. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. You can get assistance and marine lending tools at Trident Funding. Show More. Borrowers with the highest credit scores and strongest overall financial profiles usually get the best yacht loan rates. We offer personalized lending guidance for the serious yacht enthusiast. At any. Payment example: A $76,000 loan for the purchase of a recreational use vessel for 20 years with a fixed rate of 5. The Fund says that radical changes will be needed in the way we power our world”, “manufacture and consume products and grow our food. 87%. 2006 Sunseeker Predator 72. Paul Madden +1 561-568-3430. In a number of states, buying a lottery ticket with a credit card is illegal. Find boats for sale in Australia. 54ft: Fuel Type: Diesel: Hull Material: Composite: Hull Shape: Semi-Displacement: Hull Warranty: 5 years: Offered By: Trawlers & Yachting:. Boats Group does not guarantee the accuracy of conversion rates and rates may differ than those provided by financial institutions at the time of transaction. This incredible feat of engineering and luxury comes with a jaw-dropping price tag of approximately $600 million. These rates fluctuate with market conditions, inflation, and supply and demand. Mega or superyachts are known to be larger yachts that are 79 feet and above, and are generally serviced by a crew, including a captain to pilot the yacht. Such a vessel is generally long, has multiple levels, and is loaded with a wide range of amenities, such as swimming pools, movie theaters, and sliding walls. These rates fluctuate with market conditions, inflation, and supply and demand. Mega Yacht. Power ⁄. 80 mt/28 ft. There are a wide range of Mega Yacht for sale from popular brands like Azimut, Galeon and Aquila with 336 new and 761 used and an average price of $2,446,080 with boats ranging from as little as $62,965 and $113,184,958. These rates fluctuate with market conditions, inflation, and supply and demand. 2/145 ft. - WATERLINE LENGTH: 43 mt/141 ft. 2023 Custom D67 Superyacht. Security for finance. Power-mega-yacht. As of November 2023, the best interest rates for yacht loans typically start around 8. 24% Apply Now *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees.