Yearly Archive: 2019

Loans for extinguishing debts or for extinguishing other loans

Loan to extinguish other loans and various debts or to extinguish a transfer of the fifth or a mortgage etc.

Apply for a loan to pay off another or loan to pay off another loan: what phenomenon do we refer to when we talk about a loan to pay off other pre-existing loans and various debts? For all those who do not “chew” the technical-financial language, we can say that every time any form of credit is requested and obtained which is instrumental to the extinction of a pre-existing debt, we are faced with what in jargon comes called as debt consolidation. We have already dealt with the latter with three distinct pages and to which we will refer at the end of the post those wishing to deepen the institute in question beyond the indication on how to calculate the new and single installment.

Financing to pay off other financing?

Financing to pay off other financing?

Why that question mark at the end of the sentence? Well, considering that we have already dealt with this matter, on this page we want to deepen an aspect that we have not studied in other pages: not all forms of credit to be subscribed and paid off are the same, so the need arises to indicate which form of credit we must use to extinguish another! For example, we have a mortgage, should we pay it off with a personal loan? Or viseversa? Ultimately, this post was created to identify which is the new form of credit to be turned on in relation to the old one that we want to extinguish. A hand in this sense will also give us this article that we recommend on debt repayment loans.

Mortgage to pay off another mortgage:

it could be the best solution, but only if the old residual mortgage has a large amount because otherwise, that is, in the presence of small-medium amounts, the expenses of another mortgage would make the operation not convenient. Mortgage to pay off a personal loan: a similar consideration must be made in this case too! It is inconvenient to pay off a personal loan through a mortgage because of the costs, however, it is the ideal solution for those who want particularly low and sustainable installments. Loan to extinguish the transfer of the fifth: the extinction of a transfer or even of the double fifth through the common personal loan is usually convenient because the average rates applied in the personal loan are lower than those of the transfer.

Loan to extinguish Lite Bank: or the former Lite Bank, now known as Capital Bank. Well, the repayment of the debts of Lite Bank and tax in general depends on the sum: for large sums a mortgage is convenient, for smaller sums a (personal) loan. Revolving card debt settlement: we talk about the installments deriving from purchases made by credit card. For these, a personal loan will do.

Financing to pay off multiple debts:

Financing to pay off multiple debts:

this is the last hypothesis which, if well known, uses the singular for the word “financing” and the plural for that “debts”. This is the hypothesis that occurs most often, that is, when with a new and single loan, we want to extinguish more pre-existing loans. In this case, let’s talk about the classic financial scheme in which in the face of older installments we will create one and single.

The installments to be unified can be of the most disparate: for example, we can combine an installment of a loan aimed at a personal one or with an assignment and again with that of a credit card etc. Not only that: we can also request additional liquidity, always to be paid with the new and unique installment. Also in this case we have to look at the total sum of all the installments subject to extinction and determine how to proceed: with a mortgage for high figures, with a loan with medium-high figures. Below are the detailed links and the calculation utility: loans for debt consolidation, loans for debt consolidation and debt restructuring for private individuals.

The characteristics of a perfect personal payday loan

In this website, we compare the different products and alternatives of the market in terms of various loan categories: fast, microcredits and much more. One of the star products is, however, personal payday loans.

Today we want to dig a little deeper and evaluate what makes a perfect loan ideal and what to look for in order to detect it among the wide range of current offers.

Interests

Interests

An ideal loan would be one that did not have commissions or interest, at 0% APR. However, this does not usually occur for personal payday loans of medium or high amounts. That said, there are many entities that lower interest and offer competitive loans , through promotions, specific offers at different times of the year or sales.

Since interest represents the main cost of financing that we are going to hire, we want it to be as low as possible. The market average ranges from a TIN of 5% to 8%, also depending on financial trends and the guidelines of the bank.

The commissions

Many online personal payday loans do not include commissions, because their paperless application makes them easy to process and at a very low cost for the entity. Other banks, however, charge an opening or study fee, which is usually a small percentage of the total amount (approximately 1% to 2%).

The commissions that we are interested in knowing are also those of early payment or cancellation : we have spoken on other occasions of the advantages of canceling loans in advance even if there is a cost in the form of commission. Many entities allow you to pay off the loan before the term expires at no cost, you just have to find them.

Additional services

For example, some banks reduce 1% in percentage if the client, in addition to contracting a loan, opens an account. The best personal payday loans are characterized by simplicity , since sometimes the cost of these associated products ends up exceeding the savings that they apparently promise in exchange for hiring them. This also applies to insurance, a classic of loans and credits, which is neither mandatory nor, in many cases, recommended.

In addition, hiring additional services also implies one or more extra bureaucratic procedures, with the corresponding delays in the contract and receiving the money that is needed.

In conclusion

Who meets these requirements? Which entities offer loans at low or competitive interest, with hardly any commissions, and without the obligation to contract additional products?

The answer is good news: many! Once you know your profile and the type of personal payday loan you need, compare and use a financial alternative that fits perfectly and makes you feel as if you had chosen the perfect personal payday loan.

Loans for bad credit online -Get a quick and easy online loan for bad credit

Get a quick and easy online loan for bad credit

Loans for bad credit on the Internet can be applied relatively quickly. This could be particularly useful if you need money for unexpected purposes: some purchase or paying bills, or another option when you need cash urgently. Fast credits can be applied online within 15-30 minutes, depending on the lender’s ability to process credit applications.

Online loans for bad credit also offer longer repayment periods, for example, from 62 days to 3 years. If there is an opportunity to repay the loan early, fast loans offer such an option without paying penalty interest.

To apply for a quick and easy online loan for bad credit you need to visit Purple website. You need to fill out an application form. The process is not complicated.

Fast loans offer relatively small amounts of money to borrow. When borrowing for the first time, the amount of money is limited, however with a 0% commission or first payment starting from the 3rd month. A certificate of employment or a guarantee for quick loans is not required for loans up to $ 215.

Quick loans are available to residents of Latvia who are at least 18 years of age (subject to the lender’s regulations) and have a regular monthly income. Negative credit history is not available to clients with a negative credit history, but each client is assessed individually by lenders.

Loan applications are processed and, upon receipt of a positive response, money is transferred only during the lender’s business hours. Since many fast credit lenders work 7 days a week, we can say that fast credit is available at any time if you need to borrow money.

Consumer credit

Consumer credit

Want to get a loan of up to 10,000 USD cheap and fast? We know lenders who lend consumer loans online. Consumer credit information is available on the website and may help you to choose the fastest and best lender!

With a consumer credit, a customer can buy goods or services today, but pay later, paying monthly. It is an opportunity for the customer to buy a better quality product or service. There are a number of lenders of consumer loans in Latvia, with different loan amounts, repayment terms, and interest rates.

Compare and choose a lender that offers the best consumer credit on the internet!

Why choose a consumer loan?

Why choose a consumer loan?

A consumer loan is a long-term loan, which means it is a great solution if you want to borrow more money and repay it each month. Consumer loans offer a repayment term of up to 6 years. The consumer credit can be repaid early without penalty. Detailed information on each lender’s website.

A consumer credit can be drawn up relatively quickly, on average, within one business day. It depends on the lender’s ability to evaluate loan applications.

What is a car loan, car leasing?

What is a car loan, car leasing?

A way to buy a car or get cash against it. Financing is determined by the market value of the car, low interest rates up to 7% per annum.

Using a car lease or car loan, you can buy a car and pay later. Lenders may require the borrower to pay down a down payment of an average of 10% of the market value of the car. Occasionally, car dealers offer to take the old car as a down payment.

Monthly payments are made when you opt for a financial car lease, which pays the amount of the purchased car, resulting in the purchase of the car.
Operating car leasing is a long-term car rental with the option to purchase a car after the lease term for the residual value.

A car loan is an opportunity to buy a car by borrowing money from a credit company. The maximum loan amount is determined by the lender based on the market value of the car. There are several loan companies in Latvia that lend money for the purchase of new and used cars.

Car credit in one day

There are a relatively large number of lenders in Latvia offering to buy a car loan or get money against a car collateral. It is not possible to apply for a loan if the car is already on loan or leasing. However, if the loan or lease is low, it is possible to get a new loan that can be used to pay off the remaining loan or lease.

An auto loan is mainly available up to 90% of the car market value. Maturity up to 72 months.

There are no restrictions on a car loan, car make, color, etc., but the car cannot be more than 20 years old (see lender terms).

Choose the most convenient type of credit and fill out an application online or by visiting a lender. In case of a positive answer, a loan agreement must be signed.
It can take several hours to process a car loan, but the money is transferred on the same day as the credit agreement is signed.

Who can get a car loan?

To apply for a car loan, you must be at least 18 years old with a valid Latvian citizen’s or non-citizen’s passport, a permanent job and a regular monthly income. However, not all lenders provide loans to individuals over the age of 18, more information on each lender’s website.

Credit consolidation

When I borrow a quick loan, I think I’ll be able to repay it in a month. However, everyday things are different, and in most cases, they choose to extend the repayment term. Most lenders offer to extend the repayment term as many times as you want.

And the situation is that it is easier to extend the repayment term as the loans are repaid. The result is not a pleasant one, so combining credits is one way to pay off several quick loans.

Combining credits is easy!

Combining credits is easy!

When applying for a loan, you need to fill out an application and provide all the information required by the lender, including any quick loans taken and their amounts.
Upon receipt of a loan application, you will be contacted by a credit specialist to clarify the information required (additional bank account statements and workplace statements may be required).

You will receive a response within one business day. If the answer is yes, you will need to sign the contract. Only after signing the contract will the lender transfer the money to the fast loans.
What else is important to know? The lender may charge you a lump sum for issuing the loan. Its amount is determined by the loan amount.

Finally, there is the opportunity to pay off the quick loans

Finally, there is the opportunity to pay off the quick loans

Credit consolidation is a successful solution, so that you do not have to extend the loan repayment term every month. Now you can pay only one monthly payment!

The process of receiving loans

The process of receiving loans

The online application process allows you to get paid fast, even on the go or home.

  1. The offer.
  2. Application.
  3. Testing.
  4. Credit received.

Borrow responsibly

Borrow responsibly

Before you borrow a loan, compare lenders at annual interest rates that cover all of the total cost of the loan, including interest and other amounts. Only evaluate and apply for credit if you can afford it!

Penalties

Penalties or penalties

Online loans for late payment can require a penalty ranging from 0.1% to 1% of the total amount of late payments for each day of delay. Some lenders charge money for a reminder letter and / or a one-time penalty payment in addition to the penalty payment if the credit is overdue. The exact cost of the delay can be found on each lender’s website, in the terms of the contract and / or by contacting the lender personally. Failure to make payments can cause serious problems and affect your credit history, making it difficult to obtain new credit. In the event of default, the lender may institute debt recovery proceedings or assign the claims to third parties.

What is the annual interest rate

What is the annual interest rate

The annual percentage rate of charge or APRC is the total cost of the loan expressed as a percentage, including all costs up to the date of receipt of the loan, calculated in accordance with the Cabinet Regulation of the Republic of Latvia of 28.12.2010. Regulation No. 1219. GPL does not include any charges payable for defaulting on a credit agreement. More information can be found in the Special Regulations of the Cabinet of Ministers of the Republic of Latvia “Consumer Credit Regulations” or on the website of the creditor.

Example: When borrowing $ 300 for 90 days with a credit extension, the commission is $ 71.41, the APR is 269%, the total repayment is $ 371.41.

The minimum APR is 8.9% and the maximum APR is 429.46%. Loans from $ 50 to $ 15,000 for a period of 62 days to 72 months.

Maternity Leave Loan

The maternity leave loan may not be unreachable, applications are assessed individually.

When you have a maternity break, these are the happiest moments in your life. Several years spent at home with children, constant care for them, the joy of growing like water and having a good time. But it is also a time when the family budget is relatively tight and each dollar must be counted. In some cases, a short-term loan is even needed. And don’t worry, nothing is ruled out beforehand. We consider each application entirely individually.

Money within a quarter hour, you can immediately to an ATM

An internet loan is very convenient for women on maternity leave. They do not have to go anywhere from children, take care of babysitters, or take them with them to a branch where they will not be able to entertain themselves meaningfully and will be more angry. This way, you only have to have a mobile phone or tablet at hand, even in this way the online loan can be easily handled. No later than fifteen minutes after the application is approved, money will be credited to your account, so you only need to log into your internet banking or walk to the nearest ATM. Nothing will be delayed, only a small amount of personal data will be sufficient, it will certainly be processed today …

The loan approval is completely individual here

The loan approval is completely individual here

A loan for women on maternity leave is, of course, a matter for discussion. We at SOS Credit provide a similar loan entirely individually, depending on the family relationship and, of course, the applicant’s income. In practice, this means a single, too small family budget income that would entail a ticket to a debt trap actually means that the loan will not be approved. It is in the full interest of the applicant, who will not get into trouble and will have enough time to obtain the money in another way. For example, family or acquaintances can help, but a non-bank loan in these cases will not be the happiest solution.

There is no need to explain the reason

maternity loan

Whether it is the purchase of food or hygiene products, or the payment of half-forgotten money orders, it does not matter at all. In the non-banking sector, it is practically indifferent to what you borrow, the important thing is that everything is repaid in order. Of course, it is absolutely appropriate to calculate everything thoroughly, with the money you have to go out and have a sufficient margin of payment for other unexpected expenses. Alternatively, the partner with whom you live in the same household may apply for a loan. If he has a well-paid job, he has a high chance of approving the application without the slightest delay and delays. A hand loan is also a solution.

The benefits of an internet loan are clear

There’s no need to walk anywhere, no phone calls. You don’t have to be nervous, because a quick loan will come to you – and never the other way around! Of course, mothers on maternity leave have free time, but they spend most of the day looking after children and cannot afford to go to the nearest county town to apply for a loan. That is why it is much easier to apply via the short contact form via the Internet. And what needs to be demonstrated?

  • First and last name, permanent address. We lend to Czech citizens as well as persons who have permanent residence permits in the Czech Republic. So it can really reach every applicant.
  • Receipt confirmation. In this case, therefore, the parent’s acreage or bank statement to confirm receipt. If necessary, we will also assess the income of the whole household.
  • Own bank account. Anywhere in the Czech Republic, or a proven right of disposal to the bank account of a third adult.
  • Debtlessness. In any case, we only lend to those who can afford it. This means that if you already have debts and are a step away from the debt trap, unfortunately we will not be able to satisfy you.

Income abroad and credit in Poland

According to the Central Statistical Office, over 2 million Poles already work outside our country. Do we have a chance to take out a cash or mortgage loan in Poland while working abroad?

Unfortunately, when it comes to loans for people working abroad, the Polish banking services market is not very friendly to potential customers. In practice, very few banks offer cash or mortgage loans to people earning in a different currency. The reason for this is Recommendation S issued by the Polish Financial Supervision Authority in 2014, according to which banks operating in Poland may grant loans only in the currency of the client’s permanent income (the recommendation is a consequence of the turmoil in the Swiss franc loans market – a loan boom in this the currency was 2006–2009). By not providing loans in foreign currencies, banks try to minimize the risk associated with changes in their exchange rates.

US Dollar loan

While the hopes of getting a loan can be earned by those earning in euros (due to the fact that it is the currency for transactions with most European countries, and mortgages in euros are the most on the market), then the chances of people with a salary in pounds sterling , dollars or Norwegian kroner fall to almost zero.

The first thing to do is to get a good idea of ​​which banks offer mortgage or cash loans in foreign currency. If we can find a potential lender, complete the following documents:

· Contract or contract (including seafarer’s contract);

· Income certificate – in addition to employment contracts and contracts, these can also be pensions, but not your own business (except for doing business in Germany – in this case you can get a loan from banks with German headquarters);

· List of payments to a bank account in the last three months;

· A report from the local credit information bureau, i.e. the equivalent of the Polish Credit Bureau (see summary at the bottom of the article).

Document translation

It is worth knowing that in the case of a contract or contract, the bank may require a translation of the documents which must be done by a sworn translator.

The solution to this problem may be applying for a mortgage in PLN together. However, you have to remember that in this case For many reasons, this is not a solution for everyone.

There is also a solution that could be called emergency. Namely, we can apply for a mortgage or cash loan in PLN together with another person who earns in Poland, e.g. a parent or sibling. With this option, it should be remembered that the salary of our PLN co-borrower will be the key, and creditworthiness will be associated with them.

It is difficult to get a loan for people working abroad

To sum up, loans for people working abroad in the Polish banking industry are rare. Only a few banks offer such loans, which is connected with the necessity to grant loans in the currency in which the borrower earns. Even if the customer finds a satisfactory offer, he will have to face a number of formalities and provide extensive documentation. Therefore, a solution may be to take a loan in PLN with another person for whom he earns in the Polish currency.

Garry Ludge and people working abroad

credit debt

What is the situation with obtaining a loan at the Ratkomaty by people with income outside of Poland ? Unfortunately, we don’t have the best news. As we provide in the conditions for obtaining the loan, the client applying for financial assistance in Garry Ludge should:

– be between 20 and 80 years old,

– not to be in the BIG debtors register (InfoMonitor, ERIF),

– have a permanent home address in Poland,

– have stable income in Poland (due to employment contract, pensions, old-age pensions).

It is important for us that the borrower has a permanent address in Poland as well as documented income in our country. These are the basic criteria for granting a financial commitment.

How to get a loan for an apartment in Poland?

Are you interested in a loan for an apartment in Poland, but currently you only have income from abroad? Currently, many people are thinking about buying a flat in Poland, while still staying abroad. Many people left to earn a better life, but after a while they want to go back to the family and build their own house or apartment. What if, however, they need a loan to finish their dream four corners? How is credit in Poland working in the UK? Different banking institutions offer different types of products. You need to take a good look at everything and find the right one that suits your needs and capabilities. In some banks, borrowers have the option of taking loans for people earning abroad. Is a mortgage loan for earnings in England possible? Sometimes it happens, but in most cases banks take into account the possibility of taking a loan for an apartment, when the client’s employers make monthly transfers to a bank account in Poland. It is also best for people applying for a home loan to be employed under an indefinite employment contract. People who have their own business and work outside of Poland may have a slightly difficult task. However, we should remember that if we can find a suitable financial institution that will grant us a loan for an apartment, if we earn abroad, we will need to translate the documents into Polish.

How to get low interest credit?

The MCB has promised the lowest interest rates. Our loan comparison keeps the interest rate promise. With one click and a maximum of three selection options, we will lead you to a loan with low interest rates.

Comparing for free and saving interest doesn’t mean giving up good advice. Our interest rate advisor reveals which loans are particularly cheap and what is important for the bank.

Low Interest Loan – Find a Provider

Low Interest Loan - Find a Provider

Virtually all credit institutions advertise with the low-interest loan. But, it is not only the choice of the right loan provider that decides about the low-interest loan. The choice of a suitable loan comparison can be just as crucial. Special interest rates for applications for certain loan comparison offers are no longer uncommon. In addition, not all German citizens are equally qualified for low-interest loans.

Creditworthiness through the score – effect on loans

Creditworthiness through the score - effect on loans

The decisive factor in lending and often having a clear impact on the interest rate is personal creditworthiness. How good the personal creditworthiness of the individual is can be guessed at rather than actually substantiated. It is the scoring providers’ business secret which precise characteristics influence personal creditworthiness and how the individual characteristics are weighted in the score. In 2014, the Federal Court of Justice dismissed the lawsuit against private credit checker regarding the transparent disclosure of all data relating to the assessment and its weighting.

Nevertheless, there are clues. In the score, comparative data and personal experience with the prospect are processed. Exactly which individual experience values ​​are saved at private credit checker can be asked once a year. The private credit checker self-disclosure is free of charge. It is also known that certain professions are considered to be higher or lower credit risk.

Employer – indicator of creditworthiness

Employer - indicator of creditworthiness

Officials and employees of the public sector can look forward to a “credit rating bonus” from the employer. B-tariff credit used to be something of a guarantee for low-interest loans. Today it is no longer clear from the name which loan product is the cheapest for civil servants and other public servants.

Best credit rating, lowest interest rate:

In the loan comparison, applicants privileged by their professional position and secure income choose loan offers at credit-independent loan interest. If the actual creditworthiness is as good as it can be assumed, the interest rate-dependent interest pays off through particularly favorable conditions.

Favorable interest rate for normal creditworthiness:

For people with normal creditworthiness, it is the interest rate offer that is independent of creditworthiness, behind which their loan is concealed with low interest rates. The term “independent of creditworthiness” means that every borrower who is basically qualified for the offer receives the same interest rate.

Credit risk through no fault of your own:

Temporary workers can not only cost employers the chance of low bank interest rates. The choice of employer can even completely rob them of their credit opportunities. The “hire and fire” in temporary agency work has resulted in some credit institutions generally refusing to grant loans to temporary agency workers. At least, a closer look and an interest rate adjusted to the credit risk must be expected.

Low interest rates – loan amount and term

Low interest rates - loan amount and term

Small loans, between 1,000 USD – 3,000 USD with terms between 12 months – 36 months correspond to the most common loan requirements. Small loans are often referred to as instant loans because the loan approval is decided in a simplified procedure. A credit decision is made almost in real time. In connection with the ID check via Videoident, payment is made to various online providers within 48 hours of submitting the application.

But the small loan is not just easy to apply for and is quickly in the account. It is a proverbial example of low interest loan. Only small installments are payable for small loan amounts. This has a noticeable effect on the loyalty to repayments and thus on the interest offers. Borrowers are financing 3,000 USD today (as of April 2016) at an effective annual interest rate of 1.99 percent independent of creditworthiness. For comparison, low-interest loans of the medium order of magnitude only start at 3.89 percent effective interest rate regardless of creditworthiness.

The term has less impact than a year ago on the loan with low interest rates. If, for example, a loan amount of USD 10,000 is financed over 60 months, the loan costs 3.89 percent effective interest. In contrast to the past, the interest rate remains the same if you finance for 72 or 84 months. The accustomed interest rate jump for long-term financing via consumer loans only arises from a term of 96 months.

Financing risk credit at low interest rates – realistic?

Financing risk credit at low interest rates - realistic?

In the event of a poor credit forecast by the score, regular banks reject any credit request. The low profit margins with consistently low interest rates leave little scope for experiments. The score is by no means infallible. The inclusion of comparison groups does not always give a correct picture. Many a loan request that was rejected today would have been approved before the introduction of the automation system for lending.

The manual credit check shapes the image of modern risk bank credit. A loan with low interest rates remains possible, since the risk loan is more often offered depending on the credit rating. If the score lies “completely in the meadow” with its valuation, low interest rates at market level compensate the borrower. If the risk is justified, then it will be noticeably more expensive to borrow from the specialist bank.

 

Interest-free loan

Are you looking for an interest-free loan? Then you have found the right place! We at quick money can help you find an interest free loan.

Through this page you can find an interest-free loan and sms loan where you can borrow interest-free. We’re on quick money lists interest-free loans and compares them.

The most common interest-free period is 30 days. After this period, the loan costs the usual price. Keep in mind that the length of the interest-free period may vary and that additional fees may apply in case of non-repayment. Here you can read more about sms loans.

Borrowing money without interest

Borrowing money without interest

Borrowing money without interest – We help you find the right in the loan jungle when you want to borrow money without interest. The there are many players out there in the market so it can be nice to have someone who can point one in the right direction. Compare rates on various loans directly on our website. Quick money can be your lantern in the deep jungle of the loan jungle. You can always contact customer service via chat if you want personalized advice.

Good Finance offers a capital loan with an interest-free period for 30 days with a monthly interest rate of 9.45%. The effective interest rate is stated at about 200%. No extra fees apply. The annual interest rate is 113.5%. For example, a loan of USD 10,000 from Good Finance costs 945 without the interest-free offer in pure interest cost the first month.

What do you earn on an interest-free loan?

What do you earn on an interest-free loan? 

This is based on Good Finance’s interest rate stated above and with a maturity of more than 12 months. If you instead choose a bank that does not offer interest-free loans but a lower annual interest rate, for example Modus Finans, you would have instead had to pay USD 183 interest after the first 30 days. This is calculated with a maximum annual interest rate of 22%.
Modus Finance’s setup fee of USD 595 is added to it and the notification fee of USD 19 / month. The effective interest rate will thus be 37.2%.

It is almost exclusively small loans such as micro loans (micro loans) and sm loans that are offered without interest. We list several different lenders that grant this type of loan. There are also slightly larger private lenders offering slightly larger amounts, though not entirely interest-free. However, some of these offer interest-free months. This means that you can “pause” your payments and make them interest-free. We have lenders who offer 2 optional interest-free months per year.

Loans without interest

Loans without interest – How can a lender make money by offering an interest-free loan? It may seem unprofitable for the loan institution to offer an interest-free loan. For a person who lends it can at the same time seem like an offer that you do not want to refuse. If it sounds too good to be true then it is probably not true. The idea of ​​an interest-free loan is that you should be able to take a sms loan interest-free, but there is often a back side. There may be several reasons why the lending institution offers to be able to lend money in an interest-free loan. In part, the company wants more borrowers, which they succeed with in these advantageous offers, and in part they want to make more money.

Read through the terms of an interest-free and you will soon see that there are very likely conditions that are not entirely advantageous for the borrower. Interest-free loans are not necessarily the same as free loans. Although they are often called so. There may be additional hidden costs associated with an interest-free loan . Avi fees, delay fees and setup fees are some costs that are often added to an interest-free loan.

Lenders offering loans without interest, coldly expect some to miss their payments and therefore have to pay some reminder fees or even extend the loan at a cost. Be extra careful about paying on time when you take out a loan without interest. Otherwise, you might not get cheaper at all than it might have been from the beginning.

Mini-credits for wedding celebrations

May tradition reign and may the weddings live this year!

Getting married today costs money. A lot of money. If we think about all the things we have to keep in mind and that are worth money at a wedding, it is normal for us to do like most: postpone the most special day of our life. But no. With lenders, we don’t want you to postpone it or stop dreaming of something you would like so much just because you don’t have enough resources. And since we don’t want you to stay without it.

Take advantage of the mini-credits and get married this year!

Take advantage of the mini-credits and get married this year!

Today’s bride and groom are modern and there is nothing they like more than going to the latest trends in clothing. Yes, we live in a society in which, as they say, a picture is worth a thousand words, although sometimes that first picture does not correspond 100% to reality. A wedding suit of today can cost thousands of euros if we go to the most prestigious firms and not as expensive if we go to the less recognized brands; But it is likely that the price of that not-so-recognized brand remains high. Or maybe it’s not high, maybe we can’t afford the cost of a wedding suit.

Since you have the opportunity to request mini-credits for your wedding, do not miss it.

Since you have the opportunity to request mini-credits for your wedding, do not miss it.

The same goes for accessories (shoes, ornaments for the groom’s suit, etc.), which give sight to the suit and give a certain distinctive air. Because, why is it not the same when you agree with someone who is dressed in your same set of clothes, but from which you differ by the complements? Well, the same happens at a wedding, all the bride and groom like to be original, to be unique, to be the protagonists of their wedding day and, if possible, to even be reminded to have been the most elegant couple of Weddings of the season.

And if we think of the photos, the gifts for the guests, the invitations, the cake, the celebration, the place of celebration, the decoration and the deserved honeymoon … we will see that the mini-credits are more than necessary!

Make a difference in your business and with mini-credits!

The difference. That is the main of all the elements that must be taken into account today to undertake in the digital market. It is, in other words, the most important of the indicators of success of ecommerce and it is because, in a market as wide as online, excelling with respect to your competition is too complicated.

But how can we make a difference in our business and with mini-credits ?

But how can we make a difference in our business and with mini-credits ?

As we commented, to stand out today on the Internet and place yourself in an interesting position that allows you to have an intense flow of visits in your business, it is necessary that you compete, that you fight with your opponents, that is, with other people who are dedicated to offer the Same services you provide.

And to compete, it is not only necessary to hire an expert agency in Online Marketing that adopts a good strategy for us; We also need to give our business that differential touch, that distinctive air that makes us distinguish ourselves from the competition.

Yes, offering good prices is important as it is also to be well positioned and as it is also to have a varied catalog of products, but none of that works if all we offer can be done by another company that is dedicated to the same as us .

To succeed, you have to make a difference and why mini-credits are easy to understand.

To succeed, you have to make a difference and why mini-credits are easy to understand.

Probably, if you have not yet managed to make that difference we are talking about, it is not because you did not want to. Obviously, all companies like to be singled out for “having that others don’t”. If you have not done so, it is surely because it requires actions that cost money, money that you can get with mini-credits.

It is true that any improvement you want to make and any innovation that arises in any business involves costs that most SMEs can not afford today. Therefore, mini-credits are that interesting option that no company would want to waste.

Making a difference is the basis of online business success.

Mini-credits for communions

First Communion is a religious ceremony that children expect with as much uncertainty and nervousness as illusion. For them it is a very special day that, in addition, they will only live once in a lifetime and that is why they are looking forward to their arrival. For parents, despite being aware that it is a unique moment for their children, it is a rather noticeable expense, especially since, given the importance it has for children this day, they want to celebrate it big, although sometimes, to to be able to do it, they need mini-credits .

So, for cases like these, mini-credits can be the solution.

If we stop to think about all the aspects that we must take into account to prepare and organize the First Communion, we will see that the disbursement that this entails is, at least, significant. For example, one of the main elements of all Communion is the place where it will be celebrated. And it is one of the main ones because, depending on the site chosen, it may be subject to availability, so we must request it as early as possible.

If that place is a farm, a restaurant or a villa that is dedicated to the organization of events of this type, it may give us the option to include catering services or have a buffet, which can foreseeably reduce costs, by be a kind of package that integrates both.

There are those who request mini-loans only to cover expenses of this type.

There are those who request mini-loans only to cover expenses of this type.

Also invitations and reminders for guests have a cost that families often can not afford, although there are specialized companies that try to find beautiful solutions while economic.

The photo album and the suit are essential for any child who is going to make First Holy Communion and are also two of the factors that most cost, as well as the celebration itself, in which the cake must be included, magicians and clowns, bouncy castles and any other kind of services with which parents want to surprise their little ones.

Although it may seem somewhat simpler than it really is, First Communion is a matter of dispute between parents many times, since there are very large projects but a budget too tight.