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Credit Offer Ad

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Although politicians say we have come out of recession, ordinary citizens still have not felt it on their skin. Debts are still piling up, the number of blocked citizens is steadily increasing, and interest in loans and any other way of lending money is still waning.

It is no surprise, then, that the search for loans in the internet is overwhelming. The loan offer comes from the drones of the internet, lighting poles and social networks. Croatian citizens are looking for the best deals in order to survive another month.

Cost of living is rising

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Wages have been stagnant for years, and the cost of living is rising, which is why people choose to take this step. And if they have an unplanned expense, they can hardly finance it from their home budget. However, when choosing the best loan deal with your ad, you need to be careful.

Ads that bombard us from all sides do not always hide our most sincere intentions. Money on hand without signing a contract … – you have certainly seen this countless times. This may not seem particularly dangerous in an emergency, but it certainly has serious consequences.

What is behind the ad loan offer?

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Some of these houses that hide behind loan offers are not licensed in Croatia. The said approval should be issued by the Croatian National Bank and its website contains a list of all credit institutions that may legitimately operate. Credit companies that do not have this, operate on the black market and usually do not sign a contract with their clients, and pay the money directly into their hands. Therefore, there is no written record of any money being borrowed or of any amount. It is difficult to prove later that you received the money, and even more difficult that you returned it on the agreed terms.

It is advisable to take the time and ask for more offers from different loan companies. After collecting the same, check which of the loan offers the ad best suits your needs. Do not let the speed of disbursement fool you, consider the long-term consequences of borrowing money without a contract or any written trace.

After collecting and selecting the best deals, do a financial analysis. Think about how much money you need and how much money you can spend each month to pay back debt. Try putting your income and expenses on paper and it will be easier to see where you can save. Whether it’s reducing high fees at the bank, membership fees you don’t use, or spending without any plan. It is important to know how much of a burden a home budget can handle.

Versatile loan loan offer

Versatile loan loan offer

The loan offer is versatile, offering everything from quick and non-purpose loans to loans that are paid out within 15 minutes of submitting your request. Loans are tailored to market needs and can be accessed online in most cases. The submission of the application itself is simplified as well as the approval of the application, since the documentation is kept to a minimum. Just presenting your ID and current account card. There is no credit check, but the client should be paid regularly or in the form of a salary or pension and pay their debts duly.

It is important to sign a loan agreement. In this way, both the client and the credit house are protected from possible legal complications. Contracts are most often found on credit websites, which allows the client to study them peacefully or to seek the assistance of experts, which is not the most obvious thing in the bank.

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Crowdfunding and BKR

Borrowing money in the form of Crowdfunding is becoming increasingly popular. Although borrowing in the entire money market is still a very small part, the growth is impressive. And the expectation is that this will increase even faster in the coming years.
The question is of course what makes crowdfunding so popular in such a short time. Is that because there is no BKR review and registration when borrowing money through crowdfunding? Is this due to the flexible acceptance standards that these providers maintain? Or are there other reasons?

Crowdfunding and BKR

Crowdfunding and BKR

In the past it was not possible for providers of the crowdfunding loans to do a review and registration with the BKR. However, this has changed considerably in recent years. The various crowdfunding platforms have become increasingly professional. Crowdfunding and BKR now treat each other well. The crowdfunding providers with an AFM license are often affiliated with the BKR. They can therefore do a test at the BKR. And the loan that you are about to take out is also registered with the BKR. Borrowing money without BKR testing is therefore becoming increasingly difficult. Taking out a loan without BKR testing is usually not an option via Crowdfunding.

Acceptance standards for Crowdfunding

Acceptance standards for Crowdfunding

A large part of the loans are used through crowdfunding for the business loan. Yet there are also a number of projects for private individuals. We cannot find the exact acceptance guidelines immediately. We notice, however, that the crowdfunders are flexible. The chance of financing (if you have a good BKR) is therefore much greater with a crowdfunder than with a “normal bank”.

Crowdfunding and BKR and borrowing loans

Crowdfunding and BKR and borrowing loans

Crowdfunding is mainly used for financing new projects. This seems like a missed opportunity. Many loans, mainly revolving loans, have been concluded in the past, with the banks also slowly but surely raising interest rates. If you belong to this group of consumers, it may be very wise to contact a crowdfunder to find out whether your financing can be converted more economically in this way. As with the regular revolving credit, or the personal loan, no costs will be charged when you apply for your loan. At least not with providers with an AFM license and affiliation with the BKR.

Borrow money directly and Crowdfunding

Borrow money directly and Crowdfunding

We have already informed you that borrowing money with Crowdfunding and BKR is not going well together. But what about borrowing money directly and crowdfunding? With Crowdfunding you have to take into account a long lead time between approval of your application and receiving the money. The reason for this is that your project must be “written”. This full writing can take a few days, and sometimes even a few weeks.
Borrowing direct money and crowdfunding do not go well together.

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Revolving credit with rising interest rates

A revolving credit is a flexible form of borrowing money. With a revolving credit, you have a loan that you can take out up to your credit limit. You may also repay your revolving credit earlier without penalty. All benefits from a revolving credit. Yet there are also disadvantages. A revolving credit has a variable interest rate. This means that interest rates can fall. But it can also rise. A revolving credit with rising interest is certainly no exception. However, a revolving credit with a falling interest rate is less common. Banks are adept at passing on interest rate rises (too) quickly to consumers. However, interest rate falls are less windy. A less pleasant example of this can be seen in the statements of the Mbund. A consumer has complained to Mbund about the rising interest rates. While the interest should be falling. However, the consumer’s claim has unfortunately been rejected. You can read Mbund Revolving credit with rising interest rate throughout the ruling.

What to do with a revolving credit with rising interest rates?

What to do with a revolving credit with rising interest rates?

There are a number of measures you can take if you notice that interest rates are going to rise. The first measure is the simplest. If you lie awake with a variable interest rate. Then close a credit with a fixed interest rate. The personal loan. You then have no uncertainty. But there is the risk that interest rates will fall in the future and that you will actually pay too much in interest. In addition, it may be an option to transfer your overpriced revolving credit to a revolving credit with a much lower interest rate. You then immediately start saving on your loan.

If you cannot transfer revolving credit with rising interest rates

If you cannot transfer revolving credit with rising interest rates

You once took out a revolving credit at a low interest rate and with good conditions. However, due to rising interest rates, your credit has become a lot less interesting. You request a revolving credit with a lower interest rate, oddly enough, the bank rejects this. Because you are already fully charged with your current loan ?! But you want to transfer it more cheaply! Do you recognize yourself in this? Then you are by no means the only one. A very annoying problem. Certainly if after further searching for a cheap loan it appears that it is really not possible to take out your loan more cheaply. There are thousands of people in this annoying package. Fortunately, the banks are working on a solution. People who are “stuck” with their loans now get more options. The exact interpretation of this is different for each individual. But the possibilities seem to be really coming.

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Why do people borrow money?

People can go to banks and other institutions not only for saving and paying, but also for taking out a loan. By means of a loan, people receive financial means that they repay over a certain period to the agency from which the money was borrowed. Interest is added to this amount of money, so that it is lucrative for the bank or agency to pay the money to individuals or companies. Borrowing money can cause many problems, but sometimes people have no other option than taking out a loan.

A loan

A loan

People generally take out a loan for the purchase of expensive products when they do not have enough savings for this. You can think of a house or business premises, but also a boat, car or motorcycle. Over the years you have probably saved the necessary financial resources, but this is often not nearly enough to purchase one of the aforementioned expensive products. To achieve this, a loan can be taken out with Loanace, for example. You then repay this loan in specified installments to the institution with which the loan was taken out.

Borrowing can be dangerous

Borrowing can be dangerous

Because there are many loan providers nowadays, borrowing money can entail risks. For example, most people tend to take out a loan with low interest rates. Because of this, there is not a lot of extra money to be paid on the loan. A low interest rate often involves an offer for a specific period, which may make you disappointed. When taking out a loan, it is therefore very important that you properly inform yourself about the conditions of the loan. Fortunately, there are also agencies for you that pay attention to the reliability of a lender. Such as the AFM regulator. This way you will not be faced with surprises if the interest is suddenly increased after a certain period.

Borrowing money, costs money

When taking out a loan you have to take into account that it always costs money to borrow money. It is therefore not wise to borrow money over a longer period than is actually necessary. If you do, you will pay more money than is actually necessary. If you borrow money to buy a boat, for example, it is advisable to repay part of the loan every month. In this way you have repaid the borrowed money in no time and you prevent you from being able to repay the money at a later stage.

Experience at Loanace

Experience at Lendico

If you are not sure whether it is a good idea to borrow money from Loanace, then check out experience sites such as NederlandReview.nl. They also have a page for Loanace experiences. There are enough rogue companies that charge skyrocketing interest rates and you only end up in the rain when you borrow money. But of course there are also plenty of honest companies that help you well and pay fair interest rates. So then it is wise to trust the opinions of the public. Thousands of opinions from customers that preceded you must say something about the service and reliability of a company.

Borrow money from Loanace

When you need to borrow money for the purchase of an expensive product such as a car or boat, you can take out a loan with Loanace. This is a recognized company where it is possible to easily borrow money at a low interest rate. Loanace is not a bank, but you can still take out various loans there. For example, the loans are subdivided into the categories: refinancing, renovation, car, short-term, training, relocation, vacation and dream project. Every loan with Loanace has its own conditions, so you know exactly where you stand at the time of taking out. This way you will not get in trouble with paying back the borrowed money.
You might also like this:

  • What kind of car financing should you take for a new car?
  • What are the benefits of a prepaid credit card?
  • The advantages and disadvantages of early repayment
  • The benefits of borrowing money abroad
  • save money
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Value old money? Read here if your money is worth anything else.

Value old money – Many people don’t realize it, but old money can be worth a lot of money. Because people are often not aware of this, they often throw away old money so that they are worth nothing. Often these coins are still worth a lot.

What is old money?

What is old money?

Everyone understand that it is old money, money that is not used. But the concept of old is of course relative, what is old actually. Here is  not to answer. Euros also fall under old money, as this is a coin that is no longer used either. Many people have not surrendered their euros and these are therefore still in the homes of many people. Now they are not that extremely worth much, but in a century they will generate a lot of money. It is therefore important to save these coins and give them to the next generations.

Which coins are worth a lot?

Which coins are worth a lot?

Despite the statement just made, it does not depend on the age of the coins how much they are worth. A cool coin from the 17th century can be worth less than a coin from the 19th century. The 17th century coin looks so much better. This depends on many more things such as age. It is also important to know whether a coin is scarce or whether many people have it. If many people have a coin, it is of course worth a lot less.

You can visit many sites to know how much a coin is worth, but to be sure it is best to go to a jeweler or a gold trader. These can give you more insight about the true value.

Where can you sell your coins?

Where can you sell your coins?

Would you like to sell your coins? Then it is important to find a reliable trader who trades in coins. This is best done by going to different traders and selling your coins to the one who offers the most. You can also try to bid them against each other by showing that you have already had a bid.

Many people also sell their coins via marketplace, Facebook or eBay. Yet you do not always get the value it is worth. It is therefore advisable to go to a real professional trader. If you have a reliable one you also get a good deal.

In short, if you have old money, then it is interesting to save or sell it. It is often nice to know the value of the coins you have. These can surprise you. Coins that you thought would be worth a lot of money can prove to have almost no value, and coins that you didn’t think often turn out to be very expensive.
If you are interested in the value, it is best to go to a dealer, who can often make a good estimate of the real value of the coins. Don’t throw away your old money

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How to take the proper administration of a bond policy

When registering a breach of contract by the guarantor, the beneficiary of the bond policy has the right to issue the corresponding claim and be compensated.

In order to be able to prove the existence and enforceability of the guaranteed obligation, the beneficiary must immediately notify the Surety, which is known as Prior Notice or Preventive Notice. In addition, it is necessary to present a series of documents that prove the non-compliance.

On the other hand, the Surety has the obligation to inform its guarantor that the Beneficiary of the Bond filed a claim for breach. With this, the guarantor will be able to say if he agrees or not with the claim.

For the claim to proceed, it is necessary for the beneficiary to supervise, from the beginning of the term of the contract, that the contractor complies with all the agreed obligations and, above all, that it is within the agreed deadlines.

What can cause that the claim of a bond does not proceed?

What can cause that the claim of a bond does not proceed?

There are several causes that may cause the inadmissibility of a claim or claim, one of them is known as  “Extension or Wait”, which is discussed in Article 179 of the Law on Insurance and Surety Institutions.

In the event that the beneficiary wishes to grant an  Extension or Wait, due to the fact that the Fiado will not be able to deliver the object or the work in a timely manner, he must notify the Surety, who will decide whether or not to accept said extension.

If the beneficiary grants an extension that extends the term of the fulfillment of the assumed obligation without notifying the Surety, the policy is automatically extinguished, releasing the Bonding Company from all compensable liability.

When the beneficiary or contractor notifies the Surety that there was a breach by the Fiado, requesting that the Bond Policy becomes effective , and the Surety detects that the main contract was modified or extended, without having notified it, this will be in its right to reject and / or decline the payment of the  Bond  for having operated in its favor the clause of “Extension or Wait”.

Know everything related to how to properly administer your bond policy or issue the policy requested with one of our specialized executives.

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A loan of 70,000 for 10 years Installment PLN 776.71 APRC 6.15%

A loan of 70,000 for 10 years in a bank. Review of cash loans, mortgages at banks. Below is a list of banks and cash loans. If you want to check the remaining loans, go to the relevant section on the website.

And what are cash loans, mainly cheap and beneficial for the consumer? The choice of banks where you can apply for a cash loan in such amount is quite large. But if you do not have time to go to banks and collect loan offers, you can check the proposals in a similar way using the cash loan comparison engine.

The remaining loans will check:

Comparison of a cash loan of 70,000 for 10 years

Comparison of a cash loan of 70,000 for 10 years

To find a cash loan in the comparison engine, no particular predispositions are needed. It is very easy to use. Are you looking for a cash loan of 70,000 PLN for 10 years or 7 years? Enter the specified value into the search engine. Also set a loan period, remembering that you set it in months.

The comparison engine allows you to estimate the installment and the ability to contact the selected bank by filling out the contact form.

In case you do not want to use the search engine, and you want to read the information about the loan and quickly contact the bank, just read the list below and the list of banks.

Cheap cash loan of 70,000 for 10 years

Cheap cash loan of 70,000 for 10 years

What is a cheap cash loan for 70,000 PLN 10 for 10 years? A cheap cash loan is not a loan with the lowest nominal interest rate. When looking for a cheap cash loan, pay attention primarily to the total cost of the loan and its APRC.

The APRC is the Actual Annual Interest Rate and is expressed as a percentage.

It consists of:

  • Nominal interest rate , i.e. the amount of interest. The nominal interest rate is presented on an annual basis,
  • commission on the loan granted. It is determined individually and expressed as a percentage or amount.
  • additional costs – they may concern both administrative costs, insurance as well as other costs related to granting the loan.

All the above costs are included in the APRC as well as the total costs of loans.