Hard Money Lender Atlanta: Rapid Authorization Affordable Rates

Navigating Personal Loans: Tips for Loaning Properly

 


Are you in need of some added money? Prior to diving right into the globe of individual fundings, it is necessary to recognize how to navigate this financial device properly. In this write-up, we will provide you with important pointers as well as guidance on borrowing money in a manner that fits your requirements and economic situation. By complying with these standards, you can make informed choices, discover the best lender, and also handle your individual loan properly. Allow's get begun!

 

 

 

Understanding the Different Sorts Of Personal Car Loans



The very first type of individual finance is an unsafe funding. Unsecured loans are appropriate for smaller quantities and have greater interest prices compared to secured fundings. Another kind of individual financing is a fixed-rate funding.

 

 

 

Assessing Your Financial Circumstance and Needs



To precisely examine your economic scenario and also needs, take a closer look at your income, expenses, and future goals. Understanding where your money is coming from and where it's going is essential in making notified choices regarding obtaining properly.


Next, assess your costs and categorize them right into repaired as well as variable expenses. Fixed prices are those that continue to be consistent monthly, like rent or vehicle payments. Variable prices, on the various other hand, vary, such as eating in restaurants or home entertainment expenses. By understanding your expenditures, you can determine areas where you can possibly conserve money and have a more clear image of exactly how much you can afford to obtain.




It's crucial to element in these future objectives when assessing your monetary scenario. By understanding your earnings, expenditures, and future objectives, you can make an extra informed choice concerning whether or not to take out a personal finance and exactly how much you can easily obtain without putting unnecessary stress on your funds.

 

 

 

Researching and Comparing Lenders as well as Loan Options



When researching as well as contrasting lending institutions and lending choices, you must consider aspects such as rates of interest, repayment terms, as well as any type of extra costs that might be related to the funding. It's important to do your due diligence in order to find the best car loan choice that fits your requirements as well as monetary scenario.

 

 

 

 


A lower passion rate can conserve you a substantial amount of money over the life of the financing. Dealt with rates remain the very same throughout the finance term, while variable rates might vary.


Determine the length of the loan as well as the monthly payment amount. Longer finance terms might result in lower month-to-month payments, however you might end up paying extra in rate of interest over time.


Last but not least, be conscious of any type of additional charges related to the funding. These can include origination fees, early repayment penalties, or late repayment charges. These costs can build up as well as influence the total cost of the finance.

 

 

 

Looking for an Individual Lending: Tips as well as Factors to consider



Beginning by gathering all the required paperwork, such as evidence of official website income, employment history, as well as credit rating score, prior to you use for a personal car loan. You can use for an individual lending online or at a regional bank or credit union (hard money lender atlanta). Make sure to thoroughly examine the financing terms, consisting of rate of interest prices, repayment period, as well as any type of costs or fines.

 

 

 

Taking care of and also Settling Your Individual Loan Responsibly



Make sure you budget and also prioritize your monthly expenditures to guarantee you can make timely lending settlements as well as manage your individual funding responsibly. When it comes to settling your personal financing, it's vital to stay arranged as well as disciplined.

 

 

 

hard money lender atlantahard money lender atlanta
Make finance repayment a concern as soon as you have your budget in location. Establish automatic repayments preferably, so you don't have to bother with remembering to make the payment in a timely manner. If automatic payments aren't a choice, see to it why not look here to mark your calendar or set a suggestion to make the payment by the due date.


If you locate on your own battling to make your finance payment, do not disregard the concern. It's constantly far better to connect with your lending institution and also function out a useful link service rather than defaulting on your lending.


Managing and also settling your individual loan sensibly is not just essential for your financial well-being, yet it likewise helps construct a favorable credit rating. By making prompt settlements, you show to lenders that you are a liable debtor, which can improve your opportunities of acquiring future credit at desirable terms. So, remain on top of your monthly expenditures, make your loan settlements a concern, and also interact with your lender if you require assistance.

 

 

 

Verdict

 

 

hard money lender atlantahard money lender atlanta
As soon as you have actually safeguarded a financing, make certain to handle your financial resources carefully and settle your financing on time. By adhering to these ideas and being responsible, you can make the many of your personal funding as well as achieve your economic goals.


The first kind of personal lending is an unsecured financing. Unsafe fundings are suitable for smaller sized quantities and also have higher passion rates compared to safe fundings. Another type of personal finance is a fixed-rate funding. Make sure you spending plan and prioritize your month-to-month costs to ensure you can make prompt funding repayments and also manage your individual funding responsibly. When you've protected a lending, make certain to manage your financial resources wisely as well as settle your funding on time.
 

Lamina Loans Fundamentals Explained

How Lamina Loans can Save You Time, Stress, and Money.


These lendings are generally for smaller amounts, ranging from a few hundred to a couple of thousand dollars. Several states cover the quantity you can obtain with payday advance loan at $500. Payday advance prices such as rates of interest as well as charges can vary significantly. They're managed by the state and also with the Consumer Financial Protection Bureau (CFPB) - Lamina Loans.


There might be various other dangers as well as prices to take into consideration based upon your personal scenario as well as the products as well as services being offered. If you're incapable to repay your car loan, the loan provider may bill you late costs or various other charges. The lender can send your financial obligation to a debt collection agency or they might garnish your salaries.


A rollover, also referred to as a funding extension or revival, allows debtors to extend their financing though this isn't allowed all states. Rollovers might offer short-term alleviation, however they can rapidly collect more financial debt and also make it even harder to pay back the financing. Though most payday lenders do not report to the credit scores bureaus, if you fail to pay off the car loan the financial debt might be sent to collections.




Rumored Buzz on Lamina Loans


These car loans may likewise include high rate of interest, yet longer repayment terms spread out the expense right into smaller sized, much more manageable bi-weekly or month-to-month payments. This kind of loaning can still be high cost, so see to it to thoroughly review the terms as well as assess your options before deciding if this is right for you.


This could be an interest-bearing account or certificate of deposit. The quantity you deposit will frequently be your credit line (Lamina Loans). These kinds of charge card can help you construct your credit rating score with on-time settlements as well as they'll typically have a lower rates of interest than several of the various other choices. In some circumstances, it may be much better to get a small finance from a pal or relative.


A title funding is a loan in which a car offers as security for the finance quantity. The availability of car loans as well as the financing quantity offered varies for each state where we provide title financings.




How Lamina Loans can Save You Time, Stress, and Money.


You can look for a title lending in-store in Arizona, Louisiana, Oregon, select Tennessee shops, as well as Texas stores (not provided in Austin, Ft Well Worth, or Dallas). In Arizona, you may also be able to make an application for an enrollment loan. Maximum car loan amounts differ by state. If accepted, your funding amount will certainly differ depending upon your income and also typical underwriting like this standards.


If accepted, you get the cash, and also you get to maintain driving your vehicle. Yes, title finances are available for motorbikes in-store, and also the demands are the very same as for title fundings.




Lamina LoansLamina Loans
If you can not settle the car loans and also the Consumer Financial Protection Bureau states 80% of payday car loans do not obtain paid back in two weeks then the passion rate soars and the amount you owe increases, making it virtually impossible to pay it off.




Lamina Loans Can Be Fun For Anyone


It'll amount to even more than any kind of late charge or bounced check fee you're trying to stay clear of. Contrast payday loan rates of interest of 391%-600% with the average rate for alternative choices like charge card (15%-30%); financial debt management programs (8%-10%); individual loans (14%-35%) and on the internet lending (10%-35%). Should payday loans also be considered an option? Some states have actually punished high rate of interest somewhat.


For $500 finances, 45 states as well as Washington D.C. have caps, however some are rather high. 5%. In Texas, rate of interest can go as high as 662% on $300 borrowed.


Incidentally, five months is the average amount of time it requires to pay back a $300 payday advance, according to the Church bench Philanthropic Counts On. So prior to you get at that fast, really pricey cash, comprehend what payday advance entail. The Customer Financial Protection Bureau presented a series of law modifications in 2017 to assist shield debtors, including compeling payday loan providers what the bureau calls "tiny dollar lenders" to establish if the borrower could pay for to tackle a lending with a 391% interest rate, called the Required Underwriting Rule.




What Does Lamina Loans Mean?


A lender can not take the consumer's car title as collateral for a lending, unlike title car loans. A loan provider can't make a car loan to a consumer who currently has a temporary finance. The lending institution is restricted to prolonging fundings to debtors who have paid at least one-third of the principal find more info owed on each expansion.




Lamina LoansLamina Loans

Lamina LoansLamina Loans

Customers fill in a registration form at a cash advance borrowing office or online. Identification, a recent pay stub as well as savings account number are the only papers required. Loan amounts vary from $50 to $1,000, depending on the law in your state. If authorized, you get money right away, or it's transferred in your financial institution account within a couple of days.


 

 



If a customer can not settle the car loan by the two-week due date, they can ask the check out this site loan provider to "roll over" the car loan. If the customer's state enables it, the customer just pays whatever costs schedule, and also the loan is extended. The passion expands, as do finance charges. As an example, the average cash advance is $375.




The Definitive Guide for Lamina Loans


25 for an overall financing amount of $431. If they selected to "roll over" the cash advance lending, the new quantity would certainly be $495. That is just how a $375 lending ends up being almost $500 in one month.


The average rate of interest or "financing fee" as cash advance lenders refer to it for a $375 finance would be between $56. State legislations control the optimum passion a cash advance lending institution might charge.




If you utilized a charge card rather, also at the greatest bank card rate readily available, you are paying much less than one-tenth the quantity of rate of interest that you would on a payday advance. Studies recommend that 12 million American customers obtain payday advance loans annually, despite the enough evidence that they send out most customers into much deeper debt.




The smart Trick of Lamina Loans That Nobody is Discussing


Neighborhood firms, churches as well as private charities are the most convenient places to attempt. Many business offer employees an opportunity to get money they made prior to their paycheck schedules. If a worker has actually functioned 7 days and the next arranged paycheck isn't due for one more 5 days, the business can pay the staff member for the 7 days.

 

Lamina Brokers for Dummies

Rumored Buzz on Lamina Brokers


Once it is time for settlements, the cash is instantly taken out from your checking account to make things easy. While the terms of the funding vary depending on the lender, the standard needs are fairly simple to meet. You'll need to reveal you have an inspecting account, are employed, and also have a minimal earnings of $1,000, among various other things.




Lamina BrokersLamina Brokers
Below's exactly how a cash advance from a trusted online lending institution works: For the function of debate, let's pretend somebody is encountering financial difficulties as well as quickly requires some even more money. Because they do not have any kind of reserve or considerable cost savings, lots of rely on payday advance. After a short application procedure (five minutes or less), individual fundings are licensed promptly, also if they have less-than-perfect credit history.


An individual computer system and also accessibility to the net are all that is called for. You do not require a high credit report to request a payday advance, and the restrictions are quite loose. Payday advance loan that do not require security are called "unsecured." After authorization, you might have the cash from your finance transferred into your checking account the following functioning day.




What Does Lamina Brokers Do?


It's unlikely that a cash advance lender would certainly do a debt check that would negatively influence your score. There are underhanded as well as unscrupulous loan providers amongst those that offer quick cash advance. Rate of interest on bad credit report lendings are normally so high that the total expense of obtaining money winds up being greater than the original finance amount.




Know any kind of company charging you an arm as well as a leg in interest. Specific firms' annual portion prices (APRs) may be relatively high (36% sometimes). To repay a funding for an amount that is a lot more than the primary quantity appears counterproductive. Avoiding this catch might be completed by thoroughly checking out the conditions of any type of possible online payday advance loan carrier.




Lamina BrokersLamina Brokers
One more warning to prevent is paying late. In comparison to traditional finances, you may not have the ability to escape such actions right here. On the other hand, you run the risk of undergoing some rather severe repercussions, such as a substantial decrease in your credit rating.




Some Of Lamina Brokers


Rather, the candidate should show that they are fully used, have a normal income, and can afford the stipulated repayment conditions to be thought about by these establishments. Just in extremely uncommon circumstances (commonly those in which the consumer has limited revenue resources or bad capabilities of payment) would some collateral be required to obtain a car loan.


Credit report rating as well as credit report info may not matter much, if in all, to the majority of on-line cash advance financing companies. Instead, these establishments i was reading this care extra concerning whether a loan applicant is currently fully utilized, has a steady earnings, as well as can pay back the finance based on the terms set out by the financing institution.


Cash advance and cash loan are readily available online, yet their prices, costs, as well as optimal loaning amounts differ by state. If you're beginning, only borrow what you really need. Because of how basic it is to secure a cash advance, customers are usually "lured" to take out even more sums than they require, increasing the rate of interest they wind up paying - Lamina Brokers.




Fascination About Lamina Brokers


There is variation throughout economic lending organizations, which you need to be aware of. While they may all be "housed" by the exact same payday advance on-line company, the rates as well as charges each cost will certainly vary (Lamina Brokers). You should "window shop" before making a decision (aka take into consideration even more than this content one deal). If you plan to make early repayments, your picked lender should accommodate this.


It can be challenging to locate the finest online cash advance fundings. Car loans that please most of the list below demands, consisting of low-interest rates, quick approval times, and the capacity to deposit funds right into your account, are the finest online cash advance car loans.




Lamina BrokersLamina Brokers
One should ideally check out if a lending institution provided a lending application regardless of the applicant's credit score background. In light of the prevalence of internet fraudsters targeting payday advance loan applicants, choosing a dependable and trustworthy on-line payday advance organization is crucial. You should seek a reputable firm that has actually been using on-line cash advance for a while as well as has a solid reputation among its customers.




The Ultimate Guide To Lamina Brokers


None of the top payday advance loan business we work with will confirm your credit rating prior to lending you cash. Recommended Reading This is why a cash advance doesn't appreciate your debt history. Those of you whose rankings favor the south, are glad. Because most on the internet payday advance are gotten in times of need, the perfect choice can be refined rapidly.


Numerous have spectacular user interfaces that make it very easy to use, even if you have actually never done so. The finest online payday advance loan firms are additionally members of the Online Lenders Partnership, which is one more bonus. On top of that, each of them (lenders) has its very own collection of terms, permitting you to choose the one that works ideal for you.


Repayment terms from loan providers might be worked out anywhere from 6 months to seven years. Lenders normally let borrowers choose their repayment schedule, simplifying the process for everyone entailed. Lots of alternatives for repaying the loan will manage so a lot less hassle. One must initially take into consideration the rates of interest while getting a payday advance loan.




How Lamina Brokers can Save You Time, Stress, and Money.


 


Rate of interest may go as high as 35. 99%. A reduced rates of interest is commonly connected with a far better credit rating. A greater interest rate takes a long till the funding is paid in complete. Always look around for the very best rates of interest prior to dedicating to any kind of car loan. There are some advantages to obtaining a cash advance online in contrast to a conventional financial institution.

 

Examine This Report about Hard Money Atlanta

What Does Hard Money Atlanta Mean?


203K lendings are a special kind of loan backed by the Federal Real Estate Administration and are developed specifically for those that intend to refurbish older or harmed residential or commercial properties. The finance includes the rate of the residential or commercial property's acquisition, plus the approximated prices to make restorations. 203K rehab fundings are eye-catching to some due to the low down settlement requirement of 3.


Likewise, the borrower can include 6 months' well worth of home loan payments in the lending. This plan is developed to assist home owners make mortgage settlements when they can not live in the residential property throughout its rehabilitation phase. Nevertheless, capitalists need to know some possible downsides to this specific finance. First, 203K customers should work with a certified service provider and building and construction consultant, implying that do it yourself jobs are not permitted.


Those would have the ability to take an owner-occupied technique by buying a residential or commercial property with 1 to 4 systems. When a capitalist has actually accumulated equity in their individual house, they have the possibility to take out a lending versus that equity. A house equity finance, even more formally called a Home Equity Line of Credit History (HELOC), allows home owners to utilize their home equity as security to take out a funding.




What Does Hard Money Atlanta Do?


The Federal Housing Management (FHA) developed the finance to aid widen accessibility to homeownership for customers with less-than-perfect credit report accounts as well as those who do not have the financial ways to save up for a big down repayment. When a brand-new buyer purchase home loan options, they can look for lending institutions that supply home loan products backed by the FHA.


5 percent while still permitting a low rates of interest. hard money atlanta. It needs to be kept in mind that placing down less than 20 percent on a house financing will certainly result in a needed personal home mortgage insurance payment. Besides, the FHA car loan just enables owner-occupied residential properties however does enable buying a residential property with greater than one device.




hard money atlantahard money atlanta
Among the more preferred financing techniques in real estate is through standard lending institutions, which consists of traditional and also FHA lendings. Several capitalists are seeking traditional loan provider financing options in today's market due to the fact that rate of interest go to historical lows. However, traditional lending institutions adhere to rigorous standards with lots of demands that funding choices don't need.




Get This Report on Hard Money Atlanta


The 2019 limit for adhering finances is established at $484,350, or $31,250 even more than the previous year's adjusting financing limit. Outside of the size of the loan itself, adjusting fundings are likewise identified by the following: Loan-To-Value Proportion Debt-To-Income Ratio Credit History Score & History Documents requirements The funding mastermind financial resources profile financings, yet rather of being sold to an additional marketlike most conventional loan providers often tend to dothe lending institution will retain the finance for their very own profile.




hard money atlantahard money atlanta
Using lender funding is a wonderful choice for novice capitalists, but it is essential to be patient and also ready. See to it you comprehend the procedure and what is required to obtain approved. Industrial lendings are related to brief lending terms as well as higher rate of interest generally. Nevertheless, they can be made use of to fund large jobs.


Financiers will certainly need to offer the lender with forecasted income from the deal. This requires a solid offer analyzer and accurate revenue forecasts. These numbers will after that be carefully examined before the finance is authorized and also underwriting starts. Ultimately, commercial loans are a fantastic method to secure big quantities of financing and can be rather attractive in general.




The 15-Second Trick For Hard Money Atlanta


Again the appropriate approach is up to you however certain funding alternatives may be much better fit towards different investments. Several investors locate that a house equity loan can assist finance a rental building, while private money lenders may be what you need for a rehab property. Analyze why you are buying realty as well as evaluate the advantages and disadvantages of each choice before determining how to fund.




As an investor, it's up to you to identify which realty financing will work best for each bargain. Ultimately, comprehending the importance of actual estate financing, including the different financing approaches made use of by investor, will certainly aid begin. Since you have actually been geared up with a few of discover this the most popular financing approaches, there is no need to hesitate to handle your following endeavor.


With well-chosen possessions, capitalists can delight in foreseeable cash circulation, excellent returns, tax benefits, and also diversificationand it's feasible to utilize actual estate to construct riches. Right here's what you need to understand regarding actual estate benefits look these up and why real estate is thought about a good investment.




The Facts About Hard Money Atlanta Revealed


The advantages of spending in property include passive income, stable money flow, tax benefits, diversity, as well as utilize. Property investment company (REITs) offer a method to invest in real estate without having to own, operate, or finance buildings. Capital is the net revenue from a property financial investment after mortgage payments and operating budget have been made. hard money atlanta.




 


Realty worths tend to enhance in time, and also with a great financial investment, you can profit when it's time to sell. Rents additionally tend to rise with time, which can cause greater capital. This chart from the Reserve bank of St. Louis reveals typical house rates in the U.S


The locations shaded in grey indicate united state recessions. Typical List Prices of Homes Cost the United States. As you pay down a building home loan, you construct equityan possession that belongs to your total assets. And also as you develop equity, you have the take advantage of to buy even more residential properties as well as increase capital as well as riches even much more.




The Greatest Guide To Hard Money Atlanta


Property has a lowand in many cases negativecorrelation with wikipedia reference other major possession courses. This indicates the enhancement of property to a portfolio of varied assets can decrease profile volatility and offer a greater return each of danger. Leverage is making use of various economic tools or obtained funding (e.

 

The Only Guide for Atlanta Hard Money Lenders

The smart Trick of Atlanta Hard Money Lenders That Nobody is Talking About


Hard cash lending institutions typically increase the money they lend from private financiers or financing teams. Difficult cash loan providers also care deeply regarding the experience of the investor as well as the financier's service prepare for the property. Some, maybe also most (however not all) hard money loan providers these days consider the financier's credit scores score and also depth of credit history.


Another vital item to note is that difficult cash car loans are usually used by actual estate financiers for service purposes, such as residence flippers or investors acquiring an investment residential or commercial property, whether an industrial home or a residential rental building. The term "construction lending" usually refers to a financing for ground-up building of a brand-new home or business structure and includes the purchase financing for the underlying actual estate. atlanta hard money lenders.




All about Atlanta Hard Money Lenders


 

 



 


The primary difference in between a renovation finance and also a tough money lending is that the restoration financing is only structured to finance renovation expenses, not the acquisition of a home. Swing loan are a subset of hard money lendings. The key difference is that bridge lendings do not include the renovation or building and construction part.


Collecting that information can take days, weeks, or even months depending on the specifics of the car loan. Hard cash fundings, on the various other hand, are relatively fastthese lenders may be able to refine a lending in as promptly as two days. This enables individuals to act upon the very best offers available as fast as possible.




Not known Details About Atlanta Hard Money Lenders


Given that banks will likely not accept a traditional car loan request from somebody with a negative credit scores rating or a background of bankruptcy, personal loan providers are a far better option. Difficult lending institutions are much less worried about the details of the debtor, so those with disappointing credit report background need not frethard cash finances are a practical choice.


Commonly, these policies are far more lenient, with minimal authorization credentials called for. This is why hard money is appealing to any person that may not wish to reveal their individual economic background, as well as anyone who needs money quick. Considering that hard money loan providers are not concerned with the details of the consumer, what do they base their choice to offer on? The solution is basic: the worth of the collateral.




The 9-Minute Rule for Atlanta Hard Money Lenders


The possible to acquire or lose a property with considerable equity is what both motivates the lending institution to provide the money and also encourages the borrower to pay it back promptly. The only caution here is the residential or commercial property kind. Even if the realty has an appropriate LTV, for several lending institutions, the sort of property (i.


The lending institution needs to shield itself. So, by only consenting to provide to those properties that a loan provider feels comfy with, the lender protects the capability to liquify the leveraged asset for money without being restricted by the property type. One of the drawbacks connected with difficult cash finances, and one of the major reasons people shy away from them, are increased rates of interest.




The Buzz on Atlanta Hard Money Lenders


In contrast, standard pop over to these guys financing rates of interest normally float around 4 to five percent. While this may look like an extremely high price, having the ability to fund large costs rapidly in order to secure a financial investment can indicate thousands of dollars in potential earnings for the borrowerif they pay the agreed-upon quantity in the agreed-upon timeframe (atlanta hard money lenders).




Lenders use this number to understand how much home a buyer can pay for.




The Best Strategy To Use For Atlanta Hard Money Lenders


This permits them to function with borrowers to produce even more personalized loans for details actual estate tasks. A house fin does not need the exact same kind of lending as a contractor.


This is likewise a method for them to handle the higher threats they take when loaning. Difficult money finances are often used for short-term funding, such as when a home flipper plans to sell a residential or commercial property after repairing and improving it, or when a contractor requires cash while they are waiting on longer-term funding.




Atlanta Hard Money Lenders for Beginners


A shorter settlement duration suggests greater monthly settlements. One benefit of a normal 15- or 30-year mortgage is a reduced monthly payment. A tough money lending is likely to have a much greater monthly settlement because you're expected to settle it within around 3 years' time at the most. A difficult money financing may additionally have a balloon repayment at the end.




atlanta hard money lendersatlanta hard money lenders
When might it not be a great time for you to make an application for a hard cash financing? For a novice house-flipper, conventional funding may appear a little bit a lot more comfy if short-term lending repayments really feel daunting. Yet when financial institutions are not a choice as a result of the customer's credit score or the existing condition of the actual estate, home difficult cash finances could be a wonderful option.




Indicators on Atlanta Hard Money Lenders You Need To Know


The application procedure will generally include an Check Out Your URL assessment of the residential or commercial property's value and capacity. By doing this, if you can not manage your repayments, the hard cash lender will just relocate in advance with offering the home to redeem its financial investment. Difficult money loan providers typically bill greater rate of interest rates than you 'd carry a conventional lending, but they also money their fundings quicker as well as typically need much less documentation.


As opposed to having 15 to three decades to pay off the funding, you'll commonly have simply one to 5 years. Tough money lendings function quite differently than typical finances so it is necessary to recognize their terms as well as what transactions they can be made use of for. Difficult money lendings are commonly meant for investment properties.




Atlanta Hard Money Lenders Can Be Fun For Everyone


atlanta hard money lendersatlanta hard money lenders
State laws have different needs for owner-occupied home lenders than they provide for difficult cash loan providers, and a lot of hard money loan providers are not in compliance with these guidelines. Because difficult cash fundings are asset-based, tough cash loan providers are concerned just with the property's worth - atlanta hard money lenders. When you request a difficult cash financing, the lender will check out your house's loan-to-value proportion.

 

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15