Archives 2018

Fast payday loans -You might consider us if you want fast payday cash

You might consider us if you want fast payday cash

Taking fast payday cash at https://fastpaths.com/ is a very easy task. It is important, however, to always be well-founded and to impose an important reason for you. However, it is about your money, time and labor that you need to use to solve a financial case. However, it is often necessary to have a guarantor for certain loans.

But if you do not have one, you need to look for an effective option to get a loan without a guarantor or a wage transfer. This is by no means impossible, especially if you are targeting a good and loyal operating company to assist you in the service you need.

 

In which situations such a quick credit is needed

  • When paying daily household payables that coincide with other monetary obligations;
  • Purchases of important parts of the home furnishing;
  • When recovering a damaged major appliance without which the household cannot function normally and efficiently;
  • Treatment and important health procedures that can not and should not be postponed to you or your loved ones;
  • Planned family events, celebrations and the like;
  • Car or home repairs that should not be overlooked;
  • Payments related to education, especially when abroad;
  • Excursions you do not want to miss, as well as other activities that can bring you pleasant emotions.

 

Interest rates on fast credit without a guarantor and without transfer of salary

They can be varied. As a starting point, you yourself have to meet certain requirements, but when the lack of guarantor and salary transfer are on the agenda, the ways to get the desired amount are slightly different. This, of course, does not mean impossible.

Interest rates often vary depending on the loan you need and the credit institution that will grant it. Depending on the size of the amounts, the repayment period is between 3 months and several years. Most businesses want to emphasize that the interest is fixed for the entire period of the loan, which is good because you can predict the amount you will have to recover at the end of the period.

There are companies and banking institutions where you have to keep track of the interest rate as it is fixed only in the first year, after which the percentage varies, mainly based on the market index and the bank’s surplus. In other banks, interest is variable throughout the repayment period and depends on the creditworthiness of each client of the bank. Whatever you choose, as a perfect option for you, you need to know how much you would eventually pay after the repayment of the loan. One of the obstacles and limitations for obtaining a quick credit without a guarantor and without transferring salary may be the younger age of the applicant. In some banks, the requirement is at least 23 years of age. The lack of a permanent employment contract may also be a known problem.

Some restrictions on this type of loans are related to the size, and in most cases, the maximum you can get is between 7 and 10 thousand leva. Rare situations are situations where an amount of about 15-20 thousand leva is possible.

In any case, keep in mind that you need to target the best company to provide this type of financial services. We are keen on the peace of our users and partners. That’s why we show a willingness to work and strive to ensure maximum clarity for our customers who benefit from different loans.

 


Credit Loan: Opinions and Reviews, Read the Guide

If you are over the age of 60 and need to have a loan to live better and more peacefully, you can apply for a credit lifetime loan .

With this guide, you will understand what to do to get the loan you need to make the most of every month.

By continuing to read you will find all the steps to follow!

How to obtain the credit lifetime mortgage loan

mortgage loan

First of all, you need to explain what it is when we talk about a lifetime mortgage loan . This is a type of financing designed for those over 60 and who need to supplement their income to improve or to maintain their lifestyle.

We remind that it is intended only for those who are over 60 years of age and who are the owner of a home where the applicant is resident. This supply of money allows you to get money quickly, continuing to retain ownership of the property without giving up the bare ownership to the bank.

You can choose to have the money in multiple periodic payments or to receive it in one solution. The repayment of the loan can be paid without installments in two options, you can choose the periodic payment of interest or decide to pay off the debt without any penalty and at any time.

Unlike other types of loans, the lifetime mortgage loan can only be requested by appointment at the branch. This is a medium and long-term loan for natural persons over the age of 60 and who are the owners of real estate.

This type of loan can be obtained by choosing between two different options, including:

  • The annual payment of expenses and interest, the contracted debt must be repaid in a single solution at the end of the loan;
  • The annual capitalization of interest and expenses that offers the possibility to repay the sum to the bank with a repayment in a single solution and at the expiry of the contract.

The mortgaged property to obtain the mortgage life loan must be for residential use and must be subject to a first degree mortgage. In the event that coexistence exists with non-proprietary subjects, but heirs, the loan must be requested and also paid with a joint account.

With the mortgage life loan you can mortgage the property by retaining the property. At the death of the holder there are two different choices for his heirs:

  • Pay off the debt immediately by retaining ownership of the mortgaged property;
  • Sell ​​the dwelling used as a guarantee and fully repay the debt.

The maximum quota that can be obtained is influenced by the age of the applicant. No installments are expected, while the final payment will be assessed based on the interest associated with the loan at the time the contract is signed.

If you wish to know all the features and options of a lifetime mortgage loan with credit it is advisable to request an appointment from a representative in a branch. The person in charge will explain the characteristics of the loan and explain all the points.

The credit lifetime mortgage loan is called Value House and also allows the monthly payment of the interest rate with variable rate. Gradually paying interest helps prevent compound interest or the risk that unpaid interest generates interest. If you are between 65 and 85 years old and want to apply for a mortgage loan with Unicredit, contact a branch.

What do you need to get a lifetime mortgage loan with credit?

mortgage loan,credit

To have a lifetime mortgage loan with the credit you need to bring the following documents:

  • A valid identity document;
  • Family status;
  • Documents attesting ownership of the property and residence;
  • Fiscal Code;
  • Preliminary Notary Report or Certificate of Origin.

The credit bank will take care of what remains, but to be sure that you have brought all the documents, we advise you to contact the branch first and talk to a representative asking for detailed information.

Times to get it

To find out the waiting times for obtaining a lifetime mortgage loan with credit, it is necessary to go to a branch. After requesting the appointment, the person assigned to you will indicate to you how much you will have to wait to get your lifetime mortgage loan.

Never forget that waiting times and even interests can be susceptible to change depending on the case, the financial situation, the age and the amount you can borrow from the bank.

Often the life-time mortgage loan is obtained quickly and without too many problems, but to be sure you can request a quote from a representative who will let you know the waiting times and also the total expense to get a lifetime mortgage loan with Unicredit.

The interests

The interests

To find out the annual nominal interest rate, the spread, the preliminary investigation, the annual fees to be paid and other expenses, you need to go to a branch and talk to a representative. The operators of the Unicredit bank will give you the possibility to access all the information necessary for your loan request.

To find out the interest rate for the mortgage life loan, you can request a quote in any credit branch. Thanks to the quote for the request you will be able to know the information you need. Remember that the loan is not binding and is free.

The estimate allows you to know the interest rates of the mortgage life loan or the TAN and the APR. The TAN is the interest rate, the APR is the synthetic total cost of the loan. The APR contains the costs of all the commissions to be paid for the request for the mortgage loan with Unicredit.

Before starting with the steps for applying for a lifetime mortgage loan with credit, we recommend checking the TAN and the APR to save money on the payment of total interest.

Always remember that by applying for a lifetime mortgage loan it is possible to leave a debt to the heirs children, even if you can often opt to pay it off with the sale of the property.


Mortgage Loan : Opinions and Reviews

Are you over 60 and would like to apply for an lifetime loan to get some extra peace of mind? Do you want to know how to get this type of loan?

Our guide today will help you understand how to get the loan you need. Here are all the steps to get the lifetime mortgage loan.

How to get a lifetime mortgage loan

mortgage loan

The lifetime mortgage loan designed specifically for those over 60 who need to supplement their income to improve and maintain their lifestyle and help their children.

It reserved for those over 60 years old and owner of a dwelling used as a residence. It offers immediate liquidity and allows you to maintain ownership of the property and without giving up the bare ownership.

You can decide whether to receive the amount in a single solution or if you have it in periodic payments. You can pay without installments, with periodic interest payments or with the possibility of paying off the loan at any time you want without receiving any penalty.

This type of loan can only be requested in branches. It is a medium and long-term mortgage loan only for natural persons over the age of 60 who own real estate.

Available in two different options from which you can choose to have your loan:

  • annual capitalization of interest and expenses which allows you to repay with a single repayment at maturity;
  • annual payment of expenses and interest with a debt repaid in a single settlement at maturity.

The mortgaged property must be that for residential use with a first degree mortgage. In the case of cohabitation with non-owners, but all of its heirs, the financing must be provided with joint account.

This formula allows you to mortgage the property by retaining ownership and signing the loan agreement with the bank. At the death of the holder there are two possibilities for the heirs:

  • Decide to pay off the debt by retaining ownership of the property;
  • Selling the home as a guarantee.

The maximum fee depends on the age of the applicant and there are no installments, the final payment due will be based on the interests determined at the time the contract was signed.

If you need to know all the features of a lifetime mortgage loan we recommend making an appointment at a branch with a specially trained representative. This way you will avoid having surprises.

What do you need to get it?

To have a lifetime mortgage loan it is necessary to provide the bank with:

  • A valid identity document;
  • Fiscal Code;
  • Documents attesting ownership of the property and residence;
  • Preliminary Notary Report or Act of Origin;
  • Family status.

Moreover, the bank to which the lifetime mortgage loan is requested will be taken care of. To make sure you bring all the necessary documentation with you, we recommend contacting a branch and talking to a representative.

Useful timings

Useful timings

Once you have requested an appointment for a loan at a branch, you will be asked to tell the applicant what the average waiting time is for obtaining the lifetime mortgage loan. Waiting times such as interest change depending on the case, age and amount.

To find out about waiting times, you can also request a quote and evaluate how long you will have to wait for the lifetime mortgage loan.

The interest to be paid on what amount?

The interest to be paid on what amount?

To obtain the fixed-rate lifetime mortgage loan, the spread starts at 4.60%. The annual nominal interest rate depends on the choice made by the applicant when the contract is stipulated.

The interest changes depending on whether the loan is an annual capitalization or if the installment payment has been opted for. The investigation is 1.3% in both cases.

The annual fee for the mortgage loan is 45 euros per year, plus 2.50 euros per tranche. It also adds 104 euros to the deed of consensus to be paid upon the cancellation of the mortgage, 130 euros for the renewal of the latter, 130 euros for the reduction of the same, 78 euros per share for the mortgage division, 207 euros for the restriction of the mortgage.

Finally, the costs for the certification of the existence of the credit of 52 euros and other inexpensive expenses are added. To find out all the features of the mortgage loan with Monte dei Paschi di Siena, we recommend calling the toll-free number 800 414141.

The toll-free number will be answered by an entry that will allow you to select specific telephone numbers for each service. Otherwise you can choose to go directly to a branch to ask the bank operators for information and clarifications.

If you need to know the specific interest rate for your mortgage loan you can easily request a quote from a branch. Being a particular type of loan it is always advisable to go to a branch. The quote for applying for the mortgage loan is not binding and is also completely free.

The loan quote allows you to know the interest rates related to the loan such as the TAN and the APR. The TAN is the interest rate, while the APR is the synthetic total cost index of the loan in which the total costs of the commissions to be paid for the request for a lifetime mortgage loan are reported.

Before applying for a loan, even if it is a lifetime mortgage loan, it is always useful to check both the TAN and the APR. Checking the rates allows you to understand which ones are the most convenient. By doing a quick search before applying for a lifetime mortgage loan, you can even manage to save money on interest payments.

Remember that requesting a lifetime mortgage loan could mean finding yourself, in some cases, leaving a debt to your heirs, even if they can often be repaid by selling the house.


Mortgage Loan: Features and Requirements

Do you need a loan and are you over 60? Want to apply for a loan to be quieter each month? Do you need to understand how you can get a lifetime mortgage loan?

In this detailed guide we will help you understand how to get the loan you need. Here are all the steps you need to have a lifetime mortgage loan for you.

Index

  • How to get the Intesa San Paolo lifetime mortgage loan
  • How to get it?
  • Time to obtain the mortgage loan with Intesa San Paolo
  • Interest payable

How to get the lifetime mortgage loan

mortgage loan

This loan formula is reserved for those who have already turned 60 and are the owner of a home that is used for residence purposes.

It helps to have liquidity quickly and also helps to keep the property of the property without having to sell the bare ownership to the bank.

You can get the requested amount in a single solution or receive it directly in your account in several periodic payments. You can decide to repay the loan without installments, with a periodic payment of interest or you can choose to close the loan at any time.

The lifetime mortgage loan can only be requested at bank branches. This loan is a type of medium and long-term mortgage loan and can only be granted to those individuals who are at least 60 years old and who own a house or real estate.

The lifetime mortgage loan is available in two different options from which you can choose to get the sum:

  • Annual payment of the expenses and also of the interest with the repayment of the debt in a single solution at maturity;
  • Annual capitalization of interest and expenses which gives the possibility to repay the sum at the end in a single payment.

The property that is mortgaged must be for residential use and with an I degree mortgage. In the event that there is cohabitation with non-proprietary subjects but heirs, the loan must be provided with joint account.

The loan gives the possibility to mortgage the property by keeping the property and in any case by signing a loan agreement with the bank. At the death of the holder there are two different possibilities for the heirs:

  • Choose to pay off and repay the debt while maintaining ownership of the property;
  • Proceed with the sale of the house to pay off the loan.

The maximum amount that can be obtained on loan depends on the age of the applicant, there are no monthly installments and the final payment will be different based on the interests chosen at the time of signing the contract.

To learn about the characteristics of a lifetime mortgage loan it is advisable to make an appointment at a branch. The customer with a special type of mortgage loan.

For You Loan Life is a type of medium/long-term and fixed-rate loan with an annual capitalization of interest. It is not necessary to open a current account with Intesa San Paolo nor with another bank for the disbursement of the annuity mortgage loan.

Considers that properties in the provincial capitals and/or municipalities with more than 30,000 inhabitants can only be financed. Property valuation affects loan disbursement. The building must be insured against fire and explosion damage and lightning until the end of the loan.

How to get it?

To have a lifetime mortgage loan, you must provide the bank with:

  • A valid identity document;
  • Family status;
  • Fiscal Code;
  • Documents attesting ownership of the property and residence;
  • Preliminary Notary Report or Certificate of Origin.

To find out if further documentation is required, we recommend contacting a branch and talking to a representative. Documentation may vary by bank.

Time to obtain the mortgage loan

mortgage loan

To apply for a lifetime mortgage loan you need to ask for an appointment at a branch, so it will be directly a person in charge to indicate what are the waiting times for your loan. Remember that waiting times change depending on the case, the number and the age of the applicant and this also applies to interest.

To find out in advance what the waiting times are, you can use a quotation in the branch and evaluate with the operator how much you have to wait to receive the loan and get the approval.

Interest payable

Interest

To find out the cost of the annual nominal interest rate, the spread, the costs of the preliminary investigation, the various fees to be paid and other expenses, you must necessarily go to a branch to talk to a person in charge.Helps you get the information you need to apply for the loan.

The bank allows you to request a quote to find out the interest rate for your own mortgage loan. The budget can only be done in a branch. A mortgage loan is a complex type of loan, so we recommend going to a branch to learn about its features.

Finally, we would like to remind you that the quote for the mortgage loan application is not binding and is also completely free and that thanks to the estimate you can find out the interest rates or the TAN and the APR.

The interest rate, the APR is the synthetic total cost of the loan. In the APR you will find all the commission costs for applying for a lifetime mortgage loan.

Checking both the TAN and the APR is always a useful way to keep the rates low and to avoid wasting money. Thanks to a rate search, you can easily save money on interest payments.

Applying for an annuity mortgage loan could in some cases turn into a debt for one’s heirs, although in most cases it is often extinguishable by selling the house.

Remember to always evaluate all the options very carefully before applying for a loan, including the lifetime mortgage loan. Now you know all you need to know about the mortgage loan.


The prescription of your debts can help you

Because of the bad economic cycle passed by families and companies, many of us are forced to look for alternatives. For what? So that they reduce or cancel the total debt that we have to support. A situation of defaults seems a big problem, but with the legal help indicated these bad drinks have a solution. Did you know the possible prescription of your debts?

Do you have debts with both the public administration and private entities? Do you not know the possibility of prescribing debts? Do you want to know what are the requirements to request the cancellation of your debts?

The way to start the process, is to make sure that the debts contracted exceed the time frame established by law. As stated in Article 1961 of the Civil Code “The actions prescribe by the mere lapse of time set by law.”

The prescription of your debts can help you

That is to say, the possible maneuvers to be able to cancel the outstanding debts depend on the time of prescription established by the binding legal framework. If the creditor has not claimed the amount of the debt before the prescription established by law in each case. The debt can be canceled. In Spain, in this case, to be able to cancel your debts will have to be fixed in articles 1961 and 1975 of the Civil Code.

Conditions to access the prescription of debts

Conditions to access the prescription of debts

  • If it is true that the creditor has not taken legal or extrajudicial actions. This is, sending letters, requirement of presence before a notary or conciliation actions with the debtor.
  • The veracity of the debt has not been recognized by the debtor.

The term of prescription of the debt may vary. It depends on the type of creditor or other factors. Here we point out a few:

  • Debts with the Treasury: thanks to article 66 of the General Tax Law, this type of debt prescribes after 4 years.
  • Mortgage debts: term of 20 years from the expiration date initially established. Fixed on the mortgage loan.

Financial help, prescription debts
Negotiate and cancel your debts is possible

  • Debts with the S. Social: the Administration as a creditor can not claim the payment of the debt or impose sanctions as provided in article 42 of Royal Decree 1415/2004 . When the same period of 4 years has been completed as in the Tax Agency . If within the established time, the Administration intercedes with a collection claim, the prescription of the debts will be suspended.
  • Rental debts: a five-year statute of limitations for paying debts contracted for leases of rural and urban properties.
  • Debts of supplies: if you do not know what the word “supplies” refers to, they are telephone bills, electricity or gas among others. These debts are the ones that most work will cost to know the prescribed prescription time to be able to negotiate the prescribed debts. Different sentences are dictated due to the different interpretation of the supplies. However, the term will go from three to five years if it is interpreted that affects consumers or users. Or if it is regulated according to the law applicable to installment payments.  
  • Bank debts: the demands, whether of interest or capital, will be notified within a period of 5 years thanks to the new legal framework.

The prescription of debts is not a fast process. You have to justify at the moment you claim your debts. As a result, the time established by law has been exceeded.

Find out and let experts in debt resolution help you accelerate and facilitate all procedures with justice and administration. Be advised appropriately and know your fundamental rights. These two points can save you from bad times because of debts that may already be prescribed.


Credit marketplace auxmoney with strong growth in the first half of 2016

The lending volume at auxmoney rose significantly in the first half of 2016. Compared to the same period of the previous year, the credit marketplace increased by more than 100 percent. “The dynamic growth underpins the benefits for investors and borrowers in human-to-human lending. The new records also have a signal effect for the entire fintech industry in Germany, “writes auxmoney in the press release accompanying the six-month figures. The credit marketplace also made significant gains in the number of loans granted.

contents

  • 1 Financial world is fundamentally changing due to FinTechs
  • 2 Increase in the number and amount of loans
  • 3 auxmoney with further growth potential

The financial world is fundamentally changing 

The financial world is fundamentally changing due to FinTechs

The doubling of the paid volume demonstrates the advantages of our business model of lending directly from person to person. The new records of auxmoney as a market leader are also signaling for the entire industry and are a proof that the financial world by FinTechs fundamentally changed.

Increase in number and amount of loans

Increase in number and amount of loans

In the first half of 2015, the credit marketplace auxmoney had disbursed 6,337 credits, while in the first half of 2016 the number of disbursed loans was 10,688. Thus, the number of loans increased by about 68.7 percent within one year. The amount of loans also rose, averaging 6,196 euros in the first six months of last year, to an average of 7,439 euros in the first half of 2016.

auxmoney with further growth potential

 “For investors, the average return of 5.50% is well above the returns on traditional interest-bearing investments and is completely independent of the exchange. Loan seekers will provide auxmoney with quick and easy access to credit – including the self-employed, probationary staff, and students who are usually flat-rate rejected by banks. “Johnen continues,” The benefits of the model show the broader growth potential auxmoney still has. “


Lend money to bridge financial bottlenecks

Who does not know that. Suddenly the money is enough, which should last until the end of the month. Not anymore. Because special expenses less money than thought is available. Special items make life difficult. If the household budget is already scheduled for all other expenses. But washing machines that break. Do not stick to the purse of the owner. A much-needed car repair can not be postponed. If the car is needed for the ride to work. Also many other special editions may become necessary. But what to do when there is a financial shortage. But either no reserves could be built. Or the nest egg is so well laid out that it is not readily available. Then an overdraft can help pay for the much-needed expenses. Borrowing money is possible with such loans.

contents

  • 1 overdraft on the checking account
  • 2 overdraft from a mini loan provider
  • 3 When borrowing money pay attention to the costs!
  • 4 lend money from private
  • 5 Conclusion: borrowing money with an overdraft facility can only be used for financial bottlenecks!

Overdraft on the checking account

Cover the checking account . Is one of the ways to borrow money in case of financial constraints. But for that, the house bank must also offer or make it possible for the account holder. If the credit line has already been exhausted. And the own bank offers no tolerated overdraft beyond. Other options must be considered. An overdraft should, if one is used. Also only be used for a short time. The interest on disbursements and overdrafts are not without. This meant an additional financial burden for the account holder. Especially with the Dispo and the overdraft interest from interest rates are quickly. If the overdraft is not quickly cleared. And then, with a supposedly small and practical loan, you might tap straight into the debt trap. An overview of overdrafts with other options is therefore important to find a suitable loan for bridging a financial shortage.

Overdraft from a mini loan provider

Another way to borrow money is by mini-credits. Such a mini loan is always created at short notice. Depending on the mini-credit provider, the maximum repayment period may be 15, sometimes 30, sometimes even 60 days. The conditions for such short-term loans are sometimes very different. Before the exclusion of such a loan, therefore, a mini loan comparison is recommended.

Depending on the provider, there is also the option of receiving a mini loan without Schufa . Also, the minimum income for such loans depending on the provider is lower than normal installment loans. But one thing is important: the cost of a mini loan should definitely be kept in mind.

When borrowing money pay attention to the costs!

Whether overdraft on the checking account or bridging with a mini loan. It is important to pay attention to how much the costs are. In mini-credit, which is also referred to as short-term credit. In addition to the interest itself can be added even more costs. This can be for the mini-credit express option and the express withdrawal. This can be for the service that the loan can be paid in more than one installment.

The cost of such additional mini-credit options is often not reflected in the annual percentage rate of charge. That is: who wants to take such a loan, should not only look at the effective interest rate. But also the other costs that may be incurred for services.

Borrow money from private

Borrow money from private

In addition to the overdraft on the current account and the mini loan, there is also the possibility to borrow money privately. This is possible, for example, on credit marketplaces such as smava and auxmoney . Private financiers give money to private individuals, the self-employed and freelancers as well as small businesses. The borrowed money can then spend the project creator of such a loan for the thing for which he wanted to borrow the money.

Conclusion: borrowing money with an overdraft facility can only be used for financial bottlenecks!

If you need money at short notice, you have different ways to borrow money. Due to the cost, however, it is not recommended to use such loans to bridge financial shortages permanently. They should only be short-term options that are quickly repaid. Otherwise, only one thing will help: tighten your belt to get away with the money that is available to you. Or, as a second option, looking for a side job. Which improves the monthly household budget.