/ Fri, 20 Mar 2020 01:46:29 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.3 Which bank consolidates payday loans? /which-bank-consolidates-payday-loans/ /which-bank-consolidates-payday-loans/#respond Fri, 20 Mar 2020 01:46:29 +0000 http://www.sugudeli.tv/which-bank-consolidates-payday-loans/

Until recently, a large proportion of banks did not see non-bank liabilities in the Credit Checker report and this changed because 2 leading banks at the moment, i.e. Good Finance Bank and Good Credit Polbank introduced systems that catch-all banking and non-banking liabilities that are also short-term and long-term payday loans.

Before the introduction of these applications, the indebted person could apply for credit for a short period of time because the analyst had not seen until the client had checked the account statement whether the client had non-bank obligations or not. For a long time, it was possible to process such topics and often ended in a positive decision where the client was given funds and could spend them on any purpose, i.e. also to straighten his financial situation.

What is the current situation with non-bank repayment?

What is the current situation with non-bank repayment?

Good Finance Bank did not require an account statement when the client worked in a large known company under an employment contract or if he was a freelancer. Also, no statements needed when working in the budget.

A similar situation was in Good Credit where the receipts alone were sufficient, however, the analyst could request a full account history in 3 months, where he could see payday loans and thus give a negative decision.

From July 2017 Good Finance Bank and Good Credit they have changed the system policy and application, therefore all obligations are loaded when downloading the report.

If the commitment is for a period of 3 months and longer, we are able to consolidate such payday pay but if the payday is short-term, we have to accept the entire load (i.e. if we have payday payable for USD 1000 for 30 days, the entire USD 1000 is treated as an installment).

Unfortunately, having short-term payday loans we are not able to consolidate, so it will be really difficult to get a loan. With long-term commitments, there should be little change and in the case of capacity, the analyst’s decision should be positive.

At Good Credit, unfortunately, but if the payday loan is detected, the bank’s decision is immediately negative. Therefore, having a non-bank commitment is better to let go of this bank because it’s a shame to ask.

Which banks are consolidating payday loans then?

Which banks are consolidating payday loans then?

At this time, you can refer to several institutions:

  • The aforementioned Good Finance Bank where the condition is having long-term payday loans because, in the case of short-term payments, the entire installment is charged. Therefore, with smaller amounts, there is a chance to get a loan.
  • E-Money Bank, which sees no problem with consolidating payday loans, all you have to do is go to the right banker. The experience of franchise branches works best because department decision-making often comes out and the application does not have to reach the analyst. Loan period up to 144 months but only if the customer has or had any liabilities in E-Money bank and repaid them on time.
  • Good Lender Bank, which approaches the issue of consolidation of payday loans very well, however, this bank is allergic to the number of inquiries as well as the liabilities paid out. In the case of payment of several liabilities in the last e.g. 2 months, the bank from the machine can give a negative decision. The bank calculates income very well, has a long loan period (up to 144 months) and does not see a problem with the consolidation of all non-bank products.

What should you do with payday loans?

What should you do with payday loans?

I hope that the information gathered here will help those who are over credited. It is important to deal with the matter well in advance because each backlog negatively impacts history and, as a result, credit options.

Let’s not make inquiries in every bank because after 3 unsuccessful inquiries there may be a situation where each subsequent machine will give a negative decision and if we have questions it is worth trusting an expert.

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Credit for teachers – Apply now! /credit-for-teachers-apply-now/ /credit-for-teachers-apply-now/#respond Tue, 21 Jan 2020 15:50:27 +0000 http://www.sugudeli.tv/credit-for-teachers-apply-now/

To be a teacher is not an easy task in our day and age. In many places there is simply a lack of respect for the performance of the teachers. Because outsiders often only see the supposedly many vacation days and the small number of hours that have to be worked. Nowadays you are not just a teacher for 6 hours a day. The profession extends into the private sphere. And if only because work has to be checked and parent talks have to be held.

To defy all shame and all skepticism, teachers also have some advantages, which can be seen in the financial area. With a loan for teachers, they can benefit from particularly cheap offers. Regardless of whether they have civil servant status or can only refer to employment in the public service. If you are a teacher, you can benefit from a so-called civil servant loan, which is accompanied by particularly favorable repayment agreements.

Additional money at very favorable conditions

Additional money at very favorable conditions

Teachers have a fairly secure job that can only be quit on rare occasions. You can also refer to a job in the public service. In some federal states, teachers are even civil servants, which provides additional security and makes it even easier to obtain a loan for teachers.

Official loans, which, in addition to teachers, can also be used by all other civil servants and employees, are characterized by a very high degree of flexibility. In this way, the amount of the loan and the term can be optimally adapted to the personal needs of the teacher. The loan amount can also include larger amounts without the need to provide additional collateral. A loan for teachers can also be taken out with a loan amount of 60,000 USD without the need to name a second borrower or guarantor. This is hardly possible with a simple installment loan.

On top of that, a loan for teachers impresses with its very low interest rate and the fact that there is no fixed purpose for applying for the loan. The money from the loan is freely available and can be planned individually.

Other special features of a loan for teachers

Other special features of a loan for teachers

In addition, such a loan does not simply pay the interest rate and the actual installments. Rather, the loan is repayable. This means that at the beginning of the monthly installments, only the interest on the loan is paid. The actual installment payments, on the other hand, go into life or pension insurance, which is paid into until the end of the term. When this end is reached, the money from the insurance is used to settle the remaining debt. The insurance is always calculated so that the money is always sufficient. In many cases there is even a surplus, which is then paid out to the borrower and which is freely available. So it can happen that a loan for teachers even generates a plus.

On top of that, there is protection by death protection, which ensures that the bereaved do not remain on a mountain of debt in the event of an accident.

Where can such a loan be taken out?

Where can such a loan be taken out?

Loans for teachers and civil servants are not offered by all banking houses. It is therefore worth looking for suitable offers on the Internet. This works best with the help of a comparison that not only shows all providers, but also names their conditions.

In order to be able to take up a teacher credit, it must be possible to prove that you have been employed as a teacher. In addition, the teacher has to commit to not taking out any more loans until the teacher loan is paid. Only real estate loans or car loans are excluded from this regulation. In order to take advantage of a particularly good interest rate, it is also important that the private credit checker fits. Negative entries should not exist.

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Modernization loan – It's so easy to get a loan /modernization-loan-its-so-easy-to-get-a-loan/ /modernization-loan-its-so-easy-to-get-a-loan/#respond Fri, 17 Jan 2020 16:03:41 +0000 http://www.sugudeli.tv/modernization-loan-its-so-easy-to-get-a-loan/

Modernization generally costs a lot of money, regardless of whether it is a matter of removing the attic, installing a new heater, insulating the facade or renewing the windows. All are value-enhancing measures for your own property, which can be financed cheaply with a modernization loan.

Modernization loans are special loans that are usually used to update your own residential property – house or apartment – both technically and optically. Investing in modernization is an investment that is worthwhile in two ways. On the one hand, renovation and modernization means that you feel even more comfortable within your own four walls, and on the other hand the value of the house or apartment automatically increases.

Therefore, it is always worthwhile to opt for modernization and to finance the costs through such a loan.

When is a modernization loan suitable?

When is a modernization loan suitable?

Most providers only offer real building finance from 50,000 USD. If the expected cost of modernization is less than this amount, then the modernization loan could be the right choice. However, if you already have construction finance in progress, you can also negotiate with the lender to increase the current loan. This can save time and money if the increase is possible without any problems.

Criteria for modernization

Criteria for modernization

Although some people are talking about modernization when they paint the walls and re-lay the carpet, the modernization on the part of the donors is pretty much taken. A special credit for modernization can be obtained with the appropriate creditworthiness, for example if a new bathroom is installed, the roof is replaced or a new heating system is to be installed in order to use alternative energies.

The advantages of loans for modernization

The advantages of loans for modernization

If a loan is applied for the modernization of residential property, it is usually granted unsecured. Most banks award up to 50,000 USD and do not make an entry in the land register. A normal earnings statement is often sufficient as security. As with other normal installment loans, the terms can be freely selected – that is, shorter than 120 months. When choosing the term, however, you should make sure that the installment, especially if it has to be paid in addition to the mortgage, is affordable. Another advantage is the flexibility. While high prepayment penalties have to be paid for construction loans if the loan is to be repaid prematurely, this is very straightforward with a modernization loan. If you choose a provider from the outset who completely waives the prepayment penalty, you can be sure that there will be no additional costs for early redemption.

Use the modernization loan for energy saving measures

Use the modernization loan for energy saving measures

The state grants subsidies for many modernizations that serve thermal insulation and the environment, some do not even have to be paid back. However, cheap modernization loans from Lite Lender must always be applied for through the house bank. Lite Lender does not extend its loans directly to the borrowers, but uses the house bank as a continuous bank. If you intend to modernize, you should inquire about funding opportunities in advance, because the funding is often only awarded if it has not yet been built.

In any case, it is also worth comparing a loan for a modernization loan and applying for the loan where it is granted at the best conditions. The best conditions do not automatically mean that they have to be the lowest interest rates. Especially when it comes to modernization and the associated financing models, the basic conditions are very important.

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Credit for deposit / deposit credit /credit-for-deposit-deposit-credit/ /credit-for-deposit-deposit-credit/#respond Fri, 10 Jan 2020 15:42:16 +0000 http://www.sugudeli.tv/credit-for-deposit-deposit-credit/

Moving to a new apartment is always associated with high costs. In addition to the current moving costs and possible additional costs, such as the renovation or furnishing of the new apartment, there is usually also a deposit. The latter serves to secure the landlord’s financial security and may amount to up to three net cold rents, which quickly leads to four-digit amounts.

But what options are available to the tenant if he simply does not have the deposit at hand?

But what options are available to the tenant if he simply does not have the deposit at hand?

First of all, according to the current tenancy law, it is possible to pay a rental deposit within three monthly installments, with the first installment being paid at the start of the lease. In addition, the amount of the rent deposit must not exceed three times the monthly rent (more on this here). Such an installment payment cannot be excluded by a rental agreement. However, the landlord has a special right of termination if the landlord is in default.

However, many tenants are not really helped by this legal loosening of the repayment, since the period of three months is extremely short and the new regular rent must already be paid. In the following, we would therefore like to clarify what other options are available to the tenant in order to make the deposit amount safe and as cheap as possible. It is also important to know which advantages and disadvantages result from the individual financing options.

What financing options are available for a rental deposit?

What financing options are available for a rental deposit?

Small loans as a deposit solution

The small loan: A classic option would initially be the online small loan, which is typically smaller loan amounts. In view of the fact that a rental deposit must not exceed three times the monthly rent, we can assume exactly the right loan. You have the opportunity to compare numerous such small loans and to choose between them.

A small loan has the advantage that the banks do not have too high security requirements; the credit is therefore granted to most applicants (provided they have sufficient creditworthiness). For many tenants, however, the fact that the deposit can be paid in full in advance thanks to a small loan is just as crucial. On the part of the landlord, such an advance payment is interpreted as proof of one’s own solvency, which strengthens the trust between the contracting parties. After borrowing, a direct cash deposit would be possible.

A small loan is also associated with disadvantages. The borrower must repay the loan over the selected term, which represents an additional monthly charge. Since there can always be unforeseen events during the term, the small loan represents an additional financial burden. In addition, a small loan must first be compared, applied for and approved, which takes time. We help you to take this step as quickly as possible and free of charge for you.

Use overdraft facility for deposit

The overdraft facility: Alternatively, the tenant can simply take out an overdraft facility, which is colloquially known as “overdrawing” the account. To do this, they only need a checking account with which a credit facility is possible.

The advantage is obvious: the tenant can quickly get the desired amount without having to use an additional financial service provider.

However, this comfort quickly reaches its limits and has disadvantages. The amount of an overdraft facility is limited and is often not enough to pay an entire deposit. Interest rates are also significantly higher than for a small loan. If the overdrawn account cannot be settled promptly, a real cost trap is lurking here. Because even a overdraft facility has to be balanced at some point: the longer you take your time, the higher the interest payments will be! On average, customers have to pay around 10% pa interest on their overdraft facility, according to a test.de test conducted in 2018.

Use deposit guarantee for objects

The deposit guarantee: As a third alternative, the tenant has a deposit guarantee. With this, the tenant neither has to take out a loan nor pay the deposit to the landlord. Instead, he pays an annual contribution to a surety. This in turn guarantees the landlord to pay for possible damage to the apartment or rental property that would otherwise be covered by the deposit.

Thanks to a deposit guarantee, the tenant does not have to pay the deposit at all, but only has to pay the low annual costs of around 5% of the deposit amount. The guarantor can be your own bank or a specialist provider of rent guarantees. Before applying for a guarantee, please talk to the landlord whether he will accept this form of deposit. Some landlords only want to rent objects with a cash deposit, so that one would fall out of this form with some objects.

However, the disadvantages of the surety are noticeable in the long term. While the tenant generally receives the security deposit in full after the tenancy has ended, the insurance contributions remain with the provider of the security deposit. In addition, the landlord is not legally obliged to accept a surety bond.

An online loan with very low interest rates as a deposit solution

An online loan with very low interest rates as a deposit solution

If you are planning to move, but the deposit exceeds the current financial options, a loan is the best option. The online loan (or even with negative interest) is particularly interesting as a cheap deposit solution, with which the deposit can be deposited quickly and efficiently. We help you to find the loan that is right for you and the deposit you want. In addition to the low interest rates, we also offer cheap loans with a free total repayment. You can therefore repay the loan at any time if your financial situation allows it.

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Loan For Your Entrepreneurial Dream /loan-for-your-entrepreneurial-dream/ /loan-for-your-entrepreneurial-dream/#respond Wed, 25 Dec 2019 15:50:03 +0000 http://www.sugudeli.tv/loan-for-your-entrepreneurial-dream/

 

Do you have an entrepreneurial dream but lack a financial contribution before you can realize your dreams? Then you can easily take out a loan . Here you can find loan providers who can lend you up to $ 350,000 and therefore there should be enough to get your dreams going. This type of loan is also experienced as a corporate loan . Read more about loans for entrepreneurs right here.

Your entrepreneurial loan is just steps away

Your entrepreneurial loan is just steps away

If you are interested in taking out an entrepreneur loan, then you can see here how easy it is to apply.

Here you will find a loan calculator that you can use to find out where to apply for a loan. You simply enter the amount you are interested in borrowing and the maturity you would like. Then you will get an overview of possible places where you apply for a loan.

You can compare how much costs are involved in borrowing the various sites, and it is therefore your help to form an overview and not to take an expensive loan. Look for example. more detail about what the OPO can offer the various loan providers, which is an expression of how much you have to pay in costs annually to have the loan.

As soon as you find out which loan provider you would like to borrow from, just press the Apply button. It will send you to the loan provider’s website, where you must complete an application form. It only takes a few minutes.

Waiting for approval Once you have completed the application form, it is simply to wait for your loan to be approved. It typically does not take more than a few minutes.

If your loan is approved, you can in most cases get the money paid on the same day or the following day.

You do not need security

You do not need security

When you take out an entrepreneurial loan from one of the online loan providers, you do not need to provide collateral. Likewise, you do not need to explain what the money should be used for, as a consumer loan, and so it is a much easier loan to get approved rather than having to go to the bank and persuade an advisor. However, you should be aware that the online loan providers typically cannot offer the same interest rate as you would if you went into the bank and negotiated.

On the other hand, there are high chances that you will get your entrepreneurial loan approved, which is why you can get started faster. If you need a company car, you could also look for a car loan.

What are the requirements?

What are the requirements?

Typically, there are not very high requirements before you can get an entrepreneurial loan approved online *. Some of the requirements you may fall into will be:

NO RKI REGISTRATION:

It is quite normal that you cannot borrow if you are RKI registered. If so, do not have any hopes of borrowing. All the loan providers you can find here will not lend to you who are in RKI.

Age:

You must be at least 18 years of age to borrow. Otherwise, it will depend on how much you have to borrow. Some places require you to be over 20 before a larger amount can be approved.

Income:

Some providers may require you to document with paychecks, etc. if you are interested in borrowing a larger amount – 40,000+. 

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Second degree credit – what is it? /second-degree-credit-what-is-it/ /second-degree-credit-what-is-it/#respond Thu, 19 Dec 2019 16:00:25 +0000 http://www.sugudeli.tv/second-degree-credit-what-is-it/

Not every graduate from a course of study is satisfied with the result he has achieved there. Already during the first degree, many students dream of a second degree, which deepens the knowledge gained or which takes a completely different and new direction.

A second degree is therefore not uncommon and is sought by many students. If it weren’t for the tiresome topic of financing, which is no less important than when studying for the first time and therefore needs to be analyzed and discussed in advance. After all, studying requires a lot of time and perseverance, which means that there should be little time to do an additional job that can finance the study.

A loan for a second degree as a means of financing

A loan for a second degree as a means of financing

Anyone who does not have a financially well-off parental home will have to think about a loan for a second degree. It is usually not intended for a second degree and is therefore also not practical. With the loan for a second degree, on the other hand, a good financial basis can be created that puts the degree on a good foundation and in many cases makes it possible. But where does the credit for the second degree actually come from and how can it be secured?

It doesn’t work without help

Even if you have already outgrown parental care, it may well be that you need your dear parents to take out the loan. The banks and savings banks want collateral for the granting of a loan. And as a student with no or only a low income, you cannot raise these guarantees.

If the parents have an acceptable income and can therefore support the student in borrowing, this would be the best solution. The banks will be happy to integrate the parents into the loan as guarantors and to make some offers. However, it is always important that the student with his second degree also has good chances of finding employment or professional success. After all, the loan must somehow be repaid in the end.

Where there is the loan for the second degree

Where there is the loan for the second degree

A loan for a second degree can be taken out anywhere, provided that the creditworthiness is correct. It is therefore much more important to decide which type of loan is preferred. A pure student loan is of course best suited, as it only has to be paid back after your studies in a relaxed manner. If there is no suitable offer here, then you have to look for a classic installment loan. With this, the repayment begins immediately after the admission. For this reason, it would be important that at least a small income is obtained from a part-time job or something similar so that the installments do not have to be covered by the loan amount.

Good deals will always be found if you compare before the loan is taken out. In the best case via the Internet, since suitable offers can be found quickly with the help of a comparison calculator. And this within a very short time and at any time of the day. You are not bound to the opening times of the banks and you do not have to wait for a consultation with a bank employee. In many cases, the loan found can also be applied for directly on the Internet, so that no time is wasted here either and the loan is available quite quickly.

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Favorable credit – This is how you get a cheap loan /favorable-credit-this-is-how-you-get-a-cheap-loan/ /favorable-credit-this-is-how-you-get-a-cheap-loan/#respond Sun, 08 Dec 2019 15:52:03 +0000 http://www.sugudeli.tv/favorable-credit-this-is-how-you-get-a-cheap-loan/

As a rule, a large number of people can only fulfill their dream of owning a home, car or luxury vacation with a loan. The deteriorating economy is also causing increasing unemployment, which means that numerous households are facing financial difficulties.

Due to the many increasingly attractive offers, the competition between the banking institutions is increasing. An advantage for consumers, but keeping an overview here is not always easy. A previously believed cheap loan can later prove to be a trap. But where are there cheap loans and what makes them so special?

The interest rate and the credit check

The interest rate and the credit check

A cheap loan depends on several factors. Most borrowers pay attention to the interest rate. This is sometimes crucial whether your choice becomes a bargain. Banks advertise in public through TV advertising, prospectuses, internet, etc. at low interest rates. However, some providers state the normal interest rate, which is not very meaningful. The effective interest rate should always be used for comparisons. Basically, a bank always carries out a credit check on the possible borrower. This also helps to ensure that people with a good job receive a better interest rate than the unemployed or people with a poorly paid job. Furthermore, points such as the number of children, safe job, Credit Bureau entry are used.

The hidden processing fees

The hidden processing fees

For some loans, bank processing fees affect the low interest rate. It can happen, among other things, that a loan that is cheaper in advance due to these fees (generally between 1 and 3 percent of the loan amount) is much more expensive than expected before the contract was signed. Therefore, this aspect should be included in the calculation. Shorter terms usually offer the better and cheaper option for consumers. In the case of longer credit contracts (from 10 years of age), it is useful to find out about the possibility of early repayment, which is not available at every bank or contract or contains high ancillary costs.

Comparison portals on the Internet

Comparison portals on the Internet

The internet offers a good opportunity to get an overview at an early stage. Here are some reputable comparison calculators that highlight the best loan offer. In addition to the choice of the desired loan (cash loan, installment loan, etc.), information such as B. the amount of the loan, term, monthly installments. Most comparison calculator providers are fast and reliable. The effective interest rate must be clearly marked, since it contains the additional costs. The available offers can be used to obtain a better loan contract from other banks.

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