Credit grouping: occupations and income considered | Loan consolidation

 

Conducting a financial transaction with credit consolidation features requires the applicant(s) to submit a well-crafted concrete file.

For this, it is necessary to be able to justify at least a stable and durable income, but also sufficient to honor the good full refund of the amount borrowed from the lending institution.

Credit union: professions and their particularities

The contract of indefinite duration(CDI)

The contract of indefinite duration(CDI)

According to the loan aggregation banks, for employees on permanent contracts(CDI), they are asked for the employment contract if the professional seniority is less than 6 months or 1 year.

The calculation of income is done by dividing by the number of months of the year the December December net taxable aggregate of the borrower.

Craftsmen, tradesmen and liberal professions or managers of companies

Craftsmen, tradesmen and liberal professions or managers of companies

Always depending on the credit repurchase organization of the lender, it is asked to conduct the calculation of the borrower’s salary the last 2 or 3 tax notices in order to average it to define the monthly net income of the applicant.

In parallel, the interested party must present his last 2 or 3 balance sheets to allow the financial analyst to check the health of the professional activity.

Maternal assistant

Any person working as a maternal assistant must provide a work contract accompanied by a corresponding authorization for the children employed in the care.

The income is calculated by averaging the taxable net income excluding maintenance and meal allowances for each employer, divided by the average of the last 3 months of work.

Temporary staff

For files presenting an acting person, then the house of Miss Havishamment will require that a co borrower be present with stable income(CDI or retirement pensions).

In order for the temporary worker’s income to be taken into consideration when calculating the pre-operation debt ratio, it is the professional seniority in the interim that takes precedence, 2 years is recommended to properly support the file, as well as an attestation of the temporary box stating the number of hours worked over the last 12 months.

How to calculate retirement income

How to calculate retirement income

Anticipates the transition to retirement

This applies for clients who are at least 55 or 57 years of age according to the bank’s receivability standards.

So, it is an abatement of the salary that is made. It is necessary to count a weighting of the current income of 20 to 30% according to the cases(civil servants, employees of the private sector, etc).

A retirement estimate can then be requested to verify the amount already contributed by the borrower(s).

Retirement pensions

Retirement pensions

If the debtor is already in retirement, it will be taken into account in the calculation of his income, all pensions not taxable on receipts and the net taxable cumulation of the tax notice divided by twelve in order to obtain retirement net monthly taxable.

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The costs of a mortgage debt transfer | Loans

cash

The core business is the monthly payment. What will be the total total value of the mortgage loan expenses? You need to compare alternatives bank “A” and the bank “B” with the same parameters: what rate and what term value of the monthly fee, including commissions and / or administrative costs and value of comprehensive insurance and insurance of freedom of lien (or life). The result of this exercise should be a clear advantage of the transfer of mortgage debt to the bank “B” and the fulfillment of the client’s objective .

Legal expenses

Legal expenses

It is a mandatory process. The transfer of a mortgage debt implies the cancellation of the mortgage and the opening of a new one. I explain myself better: before a notary and before the Ministry of Finance and Public Credit and the Public Registry of Property and the Public Registry of Property, the end of the mortgage with the bank “ A ” must be notified , as the debt it was already canceled by the bank “B” ; and, immediately , the bank ” B ” request the new mortgage of the good in its favor. The value of the deed procedures must be canceled before the notary, in each district it is different, and the registration of both news before the SHCP .

Tax Payments (Taxes)

Tax Payments (Taxes)

Remember that the person who will keep the house has to pass the criteria established by the bank for the granting of credits, like any other applicant.

The operation has many legal implications and sometimes many frauds are committed. The procedure must be done before a notary public and with the presence of the financial institution that has the mortgage. Both property and credit must remain in the name of the buyer.

By knowing these four items

By knowing these four items

You can s decide with certainty whether or not to transfer mortgage debt.

In Mexico, the same tax paid by a person who buys a house or apartment in that area is paid: the Property Acquisition Tax (ISAI). 2% on average.

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Unemployment Insurance: How to Do When You are an Expatriate

A person may be required to go abroad to work. The latter must then learn about expatriate unemployment insurance rights. You should know that the conditions differ depending on whether you are going to a member country of the European Economic Area (EEA) or not.

 

Expatriate unemployment insurance when you are outside the EEA

unemployment insurance

If you work in a foreign country that is not part of the European Economic Area, your affiliation to the French unemployment insurance may be compulsory, optional or individual:

  • Companies based in France concluding an employment contract with a French citizen or a person from a foreign country of the European Union have a compulsory affiliation to the employment center.
  • Companies that are not based in France have the possibility to give their employees an optional affiliation. Any foreign company wishing to affiliate an employee must forward its request to the employment center. The expatriate unemployment insurance contributions are then divided between the employer and the employee.
  • If a company is not obliged to join or does not wish to benefit from an optional affiliation to unemployment insurance, the expatriate employee can fully affiliate himself, by himself, by issuing his asks the employment center. In this case, the expatriate unemployment insurance contribution is at the employee’s total expense.

 

Approaches

In the event of loss of employment, the employee who is expatriated must register with the Pôle emploi as soon as he / she returns to France, within 12 months of his / her job loss.

 

Expatriate unemployment insurance when you are in the EEA

unemployment loan

For an expatriate employee in a member state of the EEA or in Switzerland, he / she may benefit from the unemployment benefits of the country in which he / she works, according to the related Community agreement. Any period worked in an EEA country or in Switzerland must be taken into account when calculating unemployment benefits. In case of departure in an EEA country or in Switzerland, the employee may receive unemployment benefits for a maximum of 3 months.

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Insure a real estate loan after multiple sclerosis

Multiple Sclerosis Loan Insurance

Multiple Sclerosis Loan Insurance

If you have multiple sclerosis and would like to take out a home loan to finance the purchase of a home, obtaining your loan can be slowed down by loan insurance. guarantee it.

Put in competition the insurers to find the best loan insurance contract covering your aggravated health risk multiple sclerosis!

Provide a loan in case of aggravated health risk multiple sclerosis

Provide a loan in case of aggravated health risk multiple sclerosis

Although it is not a legal requirement, to provide a home loan, banks require borrowers to purchase loan insurance to ensure that they are properly repaid in the event of a loan default. A loan insurance allows the repayment in whole or in part of the loan due dates by the insurer in case of death, disability or incapacity for work of the borrower.

The “group contract” of banks being a classic group insurance, it does not cover aggravated health risks, occupational risks, sports risks and other risks higher than the standard of the population. As multiple sclerosis is an aggravated health risk, you need to find some insurance other than that of the bank to secure your mortgage and get it.

Choose your loan insurance freely

Since the Congilaw company exists (September 2010), borrowers are free to take out their loan insurance outside the lending institution. This is an opportunity for you to go in search of the insurer who will agree to insure your loan by taking charge of your aggravated health multiple sclerosis risk at the lowest rate of the market.

Comparative insurance loan risk aggravated health multiple sclerosis

Comparative insurance loan risk aggravated health multiple sclerosis

Use the insurance comparator loan to play competition among insurance companies and get the best loan insurance quotes with risk aggravated health multiple sclerosis.

  • Comparator Insurance Loan Multiple Sclerosis
  • Insurance rate for multiple sclerosis
  • Quote insurance multiple sclerosis

Delegation of health risk loan insurance multiple sclerosis

Delegation of health risk loan insurance multiple sclerosis

Delegate your loan insurance through the broker-Loan-insurance-not-dear ensures you to benefit from the best health insurance contract multiple sclerosis health insurance and that your bank will not refuse its implementation to guarantee your mortgage and so you grant it.

The AERAS convention

The AERAS (Insuring and Borrowing with an Enhanced Health Risk) agreement allows people with increased health risks to access loans more easily.

  • Learn more about loan insurance with aggravated health risk
  • Contact a specialized risk consultant aggravated health multiple sclerosis
  • Get an insurance quote for multiple sclerosis
  • Perform a comparative insurance loan multiple sclerosis

Questions forum answer for loan insurance

  • LOAN AGREES BUT NOT INSURED CAUSE SCLEROSIS IN PLATE
  • Surprising related to NORB (ocular involvement of the type retrobulbar optic neuritis)

 

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Insure a real estate loan after multiple sclerosis

Multiple Sclerosis Loan Insurance

Multiple Sclerosis Loan Insurance

If you have multiple sclerosis and would like to take out a home loan to finance the purchase of a home, obtaining your loan can be slowed down by loan insurance. guarantee it.

Put in competition the insurers to find the best loan insurance contract covering your aggravated health risk multiple sclerosis!

Provide a loan in case of aggravated health risk multiple sclerosis

Provide a loan in case of aggravated health risk multiple sclerosis

Although it is not a legal requirement, to provide a home loan, banks require borrowers to purchase loan insurance to ensure that they are properly repaid in the event of a loan default. A loan insurance allows the repayment in whole or in part of the loan due dates by the insurer in case of death, disability or incapacity for work of the borrower.

The “group contract” of banks being a classic group insurance, it does not cover aggravated health risks, occupational risks, sports risks and other risks higher than the standard of the population. As multiple sclerosis is an aggravated health risk, you need to find some insurance other than that of the bank to secure your mortgage and get it.

Choose your loan insurance freely

Since the Congilaw company exists (September 2010), borrowers are free to take out their loan insurance outside the lending institution. This is an opportunity for you to go in search of the insurer who will agree to insure your loan by taking charge of your aggravated health multiple sclerosis risk at the lowest rate of the market.

Comparative insurance loan risk aggravated health multiple sclerosis

Comparative insurance loan risk aggravated health multiple sclerosis

Use the insurance comparator loan to play competition among insurance companies and get the best loan insurance quotes with risk aggravated health multiple sclerosis.

  • Comparator Insurance Loan Multiple Sclerosis
  • Insurance rate for multiple sclerosis
  • Quote insurance multiple sclerosis

Delegation of health risk loan insurance multiple sclerosis

Delegation of health <a href=risk loan insurance multiple sclerosis” width=”640″ height=”344″ />

Delegate your loan insurance through the broker-Loan-insurance-not-dear ensures you to benefit from the best health insurance contract multiple sclerosis health insurance and that your bank will not refuse its implementation to guarantee your mortgage and so you grant it.

The AERAS convention

The AERAS (Insuring and Borrowing with an Enhanced Health Risk) agreement allows people with increased health risks to access loans more easily.

  • Learn more about loan insurance with aggravated health risk
  • Contact a specialized risk consultant aggravated health multiple sclerosis
  • Get an insurance quote for multiple sclerosis
  • Perform a comparative insurance loan multiple sclerosis

Questions forum answer for loan insurance

  • LOAN AGREES BUT NOT INSURED CAUSE SCLEROSIS IN PLATE
  • Surprising related to NORB (ocular involvement of the type retrobulbar optic neuritis)

 

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Central credit file and positive file

Check the current indebtedness 

Check the current indebtedness 

The positive file is used to check the current indebtedness of a credit applicant. This allows financial institutions not to give credit to people who are already too indebted.

A positive file would prevent many people from facing Justice

Summary

  1. Credit Act
  2. The positive file or the central borrower file
  3. Make credit easier to obtain
  4. National Credits Registry Project
  5. Positive file rejection

Given the magnitude of over-indebtedness in a context of economic crisis, where households are finding it increasingly difficult to repay their loans, the Ministry of the Economy decided in 2010 to adopt new rules for granting credit, an act that tries to protect consumers.

New credit rules

New credit rules

The main measures of the reform, as we can read them on the website of the Ministry of Economy, with my little translation below:

  • Loyalty cards: prohibition of conditioning commercial benefits on the use on credit of loyalty cards and payment cards, the credit function of which can no longer be used without the consumer having given his express agreement.

    In short: we will no longer have to use the cash reserve associated with the department store loyalty card. Few stores did it (I do not know, personally): people would not have been loyal.

  • Advertising: prohibition of ambiguous mentions and introduction of a compulsory legal notice on all advertisements “a credit commits you and must be refunded. Check your repayment capacity before you commit ”

    Clearly: as for cigarettes, you are reminded to be careful before making a credit.

Reform of advertising for credit

Reform of advertising for credit

  • Revolving credit: each revolving credit term must include a minimum amortization of the outstanding capital

    Clearly: some revolving credits were so bad for the consumer that we could only repay the interest, loop: the credit was never cleared. Now, whatever happens, the revolving credits will be settled sooner or later.

  • Responsible credit: strengthen the obligations of lenders, particularly at the point of sale, with the creation of a duty of explanation and a solvency verification obligation.

    In short: the nice borrower will have to tell you that you must be careful before making a loan, and check that you can repay.

  • Credit buybacks: definition of specific rules applicable to credit buyback operations

    In short: we will have to wait to know the content of these “specific rules”.

  • Withdrawal period: increased from 7 to 14 days

    In short, you now have 14 days to change your mind.

  • Banking Commission: control of the marketing of credits.

    Clearly: credit agencies will be controlled by a bank commission, which will verify the legality of credit offers.

  • Reform of the borrower insurance: more transparency on the cost and competition on the offer.

    In short: you will have better information on the price of insurance that you can take for a credit. For example, we will tell you how much in euros and per month the insurance offered to you.

  • Over-indebtedness commissions: 3 months instead of 6 to decide on the admissibility of the over-indebtedness files, decision of rescheduling and cancellation of interest by the commissions

    In short: the over-indebtedness commissions will be more efficient and faster. One of the most important novelties about over-indebtedness commissions is that now homeowners will also be able to use them. It was time, it would have been a shame to have to sell his house to pay his credits: housing is vital, and unless you have luxury housing, I find that it should not be taken into account in property to seize if it is necessary to repay a relatively small debt considering the price of an apartment: you find normal you, having to sell your home of 100 000 euros to repay a debt of 5000? No ? Neither do I.

  • Payment incident file: modernization of the operation of the file and reduction of the registration period to facilitate the rebound of persons experiencing debt difficulties

    Clearly: payment incident files will be updated more often (we hear about a daily update, against 3 months currently). In addition, the file will take less time: 5 years now, against the current 8 to 10 years.

    All these measures seem to me very little in the face of the scale of the problem. One of the most significant measures, the “positive file”, in which are registered all your credits in course, is under study of feasibility. It would make the payment incident files obsolete.

Less time for posting in Bank of France to make a credit in Belgium

Less time for posting in Bank of France to make a credit in Belgium

The consumer credit reform bill prepared the establishment of such a file, a central credit to individuals, placed under the responsibility of the Bank of France. A study was conducted, which lasted 3 years from the promulgation of the Law. It was, I think, quite slow, especially at the speed of things. senator of the PS of Seine-et-Marne and vice president of the finance committee of the Senate at the time proposed the creation of this file, but especially a ” social credit “, open to families generally excluded from the credit, for amounts up to 3000 euros. The positive file, giving banks the assurance that you can effectively repay your loans, makes it easy to grant loans: microcredit becomes possible!

What is certain is that there has never been unanimity on the creation of the central file, or even between banks. Some banks prefer the positive file, believing that it would protect them from the future bad payers, others are against, considering that it is a huge process which would complicate too much the granting of the credits. Others find that such a file is an attack on individual liberties and privacy, especially if the file can be used to receive aggressive advertising. We understand them somewhere, and that’s why we have to think about the central loan file.

Consumer association, is against the positive file, precisely because of the lack of privacy of our data: it gives access to the least credit institution to our salary, our income, our expenses, our credits, this which allows practically the whole Earth to file us in a box “consumer” and send him advertisements, to solicit him to buy this or that thing, this or that service. A hell for the consumer: because of a few people who have not had a chance in managing their finances, we plug the whole of France.

It is, in the state, exaggerated, and it must of course several safeguards for this does not happen. The Credums association, which assists households in bankruptcy, is of course for, but they only look at the problem through the prism of the indebted. The opinion of credit institutions is also shared: Cetelem is against, the Accord Bank is for.

Understandably, for the most vulnerable households, the Central Credit to Individuals, according to the terms of the Act, is something fundamental: it protects the poor, and allows them access to microcredit. On the other hand, for the majority of the French, this central file presents the risk, if it is badly done, of exposing the households to all imaginable abusive marketing campaigns.

Lower interest rates with the positive file?

Lower interest rates with the positive file?

As we can see, a “central risk file” or “positive file” has many advantages. There are companies and associations that have every interest in having such a file. First, foreign banks and other credit organizations: they would have access to a file that allows them to immediately target a credit applicant, and grant or not credit. French banks generally do not need the positive file: they have themselves created such files internally. Indeed, the French banking landscape is made up of very few banks, which have their hands on most financial institutions. It is easy for them to determine a profile of a credit applicant, not looking favorably at a file that would allow the competition to arrive on their preserve, France, with the immediate consequence interest rate, which would be profitable for everyone! Except of course the shareholders of major French banks, such as Crédit Agricole, BNP Paribas…

Read also: internal registration and refusal of credit

Proposal of the French Association of Bank Users (AFUB)

One solution, while waiting for the long-awaited arrival of the positive file, is proposed by the AFUB:

the banks, to check the solvency of a future customer, would now be obliged to request the “last three monthly statements of the bank account where are credited resources, wages and salaries of the user.” This obligation gives much more security to banks, and is a good intermediate solution. For larger loans, this is already the case in practice, even if we do not necessarily realize it, since the majority of real estate loans are made in our own bank, where we have our current account.

ADIE, to start a business

Employment center and microcredit 

Employment center and microcredit 

It is worth noting that Pôle emploi and ADIE will offer 10,000 personal microcredits for employment for the next three years. Experienced by the ADIE since 2006, with a maximum ceiling of 3000 euros, this microcredit can finance a driver’s license or the repair of a car for example.

All of these initiatives are therefore limited by the difficulty in determining the good faith and solvency of the credit applicant. ADIE also has a very normal interest rate, like a traditional bank: it’s not charity.

Private initiatives: 

PlanetFinance is a microfinance company founded by the well-known Jacques Attali. It helps the various microfinance institutions around the world, providing microloans that allow the poor to access financial services. In 2007, PlanetFinance reached an agreement with Experian, to help each other to promote in the different countries where PlanetFinance works, the positive file. As we have seen, the positive file allows financial institutions to obtain reliable information on the credit applicants, allowing them to grant credit according to the profile of each.

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How do loan companies check clients?

December 30, 2016 Building mutual relationships is always important for service providers and consumers. It is no different in the case of the loan industry. It is obvious that customers want to use offers that meet their needs. In turn, non-bank institutions want to interest potential borrowers. However, for the cooperation to be successful, both parties must be sure with whom they sign the contract. 

Non-bank institutions check registers of debtors

Non-bank institutions check registers of debtors

The situation of lenders depends very much on the capital they have. It is worth knowing that loan companies have other financial sources than banks. They do not have deposits, therefore they are dependent on own funds. Sometimes they cooperate with debt collection companies. For this reason, they carefully check with whom they establish cooperation. They also use various methods to verify borrowers.

That is why they need news about their clients. Registers of debtors are the main source of information for non-bank institutions.

A complete picture of the borrower’s financial operations helps in estimating whether he will be able to repay the borrowed amount. Thus, it will reduce the risk that the lender must face.

Customers prefer to be cautious

Customers prefer to be cautious

How to choose a loan company? More and more people are checking the identity of non-bank institutions. Customers make sure exactly who they are applying for a payday loan online. Taking care of your own safety in contact with the lender is a good proof of potential customers. This means that more and more of them consciously make financial decisions.

RFP – a good source of credibility of a loan company

To be sure about the integrity of the loan company, it is worth checking whether it is entered in the Register of Loan Companies. If her data is included in this register, we can safely submit a request for payday pay. It is also worth visiting websites of non-bank institutions that offer online loans. If they look professional and provide specific information about offers, they are more reliable. Loan comparison websites are also a good source of information. They allow you to put together individual proposals, making it easier to assess which one will be best for us. Payday rankings are also widely available. A high position on the list may indicate that this loan company should be noted.

Mutual trust

 

It is important to build positive relationships with the non-bank institution – especially if we plan to establish longer cooperation with it. It is likely that if we are satisfied with its services, we will begin to care about using the next offer of instant payday loans. This sometimes allows you to take advantage of one of the increasingly popular loyalty programs for regular customers. More and more loan companies are deciding to introduce them. However, it is always necessary to carefully read the loan agreement that you choose. Only a thorough analysis of all aspects of the signed document allows you to safely commit yourself. Although it is possible to withdraw from the contract, it is worth being aware of the size of the commitment from the beginning. Knowing how much and for how long we want to borrow, we can save time that we would devote to the process of giving up our payday loan.

Risk reduction necessary

You can’t be surprised at the loan companies and the decisions they make. Risk reduction when making a loan online is necessary because non-bank institutions also want to maintain financial liquidity. As already mentioned, unlike banks, they do not have deposits. Therefore, cooperation with people in whom diligence can be doubted is unprofitable for them. They want customers to trust them, so they clearly provide information on the costs that the borrower should take into account. That is why they also offer benefits packages for regular customers. However, loan companies must be careful. This is especially so in relationships with people with dubious credit history. Undoubtedly, non-bank institutions invest a lot in building positive relationships with customers. This is facilitated by legible offers tailored to the clients ’needs.

Good relationship with the customer

As you know, it is very important to take care of good relations, especially when financial transactions are involved. However, both parties must be sure who they start working with. It is always worth checking to whom we are going for a loan. Fortunately, for payday loans via the Internet, we can easily verify the details of the loan company that provides it. Since we, like clients, want to check who we are dealing with, we should not be surprised that non-bank institutions also check information about us.

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Online loans without verification – income, debts

 

Are you looking for an online loan without verification? You’ve come to the right place. In one place you will find: non-bank loans without verification: by phone, ID card, employer certificates, creditworthiness and bank account!

Loans without verification – 21 proposals

Loans without verification - 21 proposals

Especially for you, we have created a list of the best loans without verification on the non-banking market. For ease of reference, we’ve written all types of loans that don’t require verification. By clicking on a given loan you will be taken to another section of the article.

  1. Loans without an ID card
  2. Bank account checking loans
  3. Loans without calling the employer
  4. Loans without courier verification
  5. Loans without checking in debtors’ registers
  6. Loans without certificates and income

Online loans without identity verification – the most important information

Online loans without identity verification - the most important information

A loan without identity verification is not possible. Because loan companies care about the safety of their clients and each applicant must be verified by name. This is a kind of protection against frauds and frauds. Some lenders require an ID scan or photo of the document next to our face.

Thanks to this, we don’t have to worry about someone taking a loan for our lost ID card. In addition to checking the ID number in the restricted documents database, financial institutions have various ways to check the identity of the applicant. Among them are:

  • confirmation of our personal data during the courier’s visit,
  • verification of the address of residence,
  • customer verification by phone,
  • verification of the place of employment and income received,
  • bank account verification.

The lender can choose any way to check the data needed to secure the loan. As a result, customers can use the services of only those companies that use the most convenient way for them to check their personal data.

Loan without ID verification

Loan institutions do not require many formalities. They usually give payday loans as proof. Most often, all data is sent via the Internet, but in some situations financial institutions may also require you to send a scan or photo of our ID document.

For many people, this can be a major obstacle. Not only because it slightly extends the procedure for obtaining a loan online via account. Sometimes we simply do not have the opportunity to perform a scan or do not have an ID card for various reasons. In this case, it is better to look for lenders who honor e.g. a passport. 

Loan without bank account verification

The basic and usually inseparable element of applying for payday loans and installment loans is authentication via a bank account. The main and still the most popular way to confirm the identity of the borrower is the verification transfer.

By transferring 1 penny (or 1 PLN) to the loan company’s account, we confirm that we are the owner of the given bank account and we are the ones who really apply for the loan. An often used alternative to the verification transfer are applications that allow you to take payday loans without transferring a penny.

This method of data verification also has its opponents. Using the application or making an additional penny transfer can be problematic for people who rarely use online banking and those who like traditional solutions such as phone verification or during a courier’s visit.

Loan without phone verification

Phone loans are available even to people who do not have a bank account and cannot confirm their identity by bank transfer. Verification of all data necessary to obtain a loan takes place during a telephone conversation with the consultant of the loan company.

An SMS loan is also a solution often used by consumers. When applying for a non-bank loan, a mobile phone number is required. This does not mean, however, that every company calls the customer.

The phone number is used by the lender to inform us by text, e.g. about rejecting our application or granting a loan.
Data verification during a conversation with a consultant can be troublesome for many reasons. First of all, waiting for a call from a loan company can extend the loan process. In addition, not everyone is able to answer the phone at any time of the day. 

Loans without courier verification

Some institutions still prefer the method of data verification by courier. It can successfully replace phone verification and penny transfer. During a visit to the borrower’s home, the courier is required to check the customer’s details based on his / her ID card. This is not synonymous with receiving the so-called loans with home delivery – the courier does not hand over the money.

A loan with a courier assures the financial institution that the borrower and his family are aware of the commencement of the loan procedure, which excludes fraud. This method is unfortunately associated with a slightly longer verification process than in the case of ordinary quick payday loans online. In addition, cash should be picked up yourself at the selected post office using the so-called GIRO check. 

Loans without verification at the Credit Information Bureau

Loans without verification at the Credit Information Bureau

Among the many financial sector products you can find loans without verification at the Credit Information Bureau. The office collects data on the credit history of consumers, i.e. the number and type of liabilities incurred, repayment dates and information on our current financial standing. To sum up – based on the so-called scoring a financial institution is able to assess repayment options. Loans without verification in the BIK databases are a good solution, not only for people with financial problems. They will also be ideal for applicants who earn well, but at the same time pay off several obligations and want to contract more.

Important – people who do not have the best ability can use the new payday loans. Because lenders who operate on the non-banking market for a short time have lower requirements.

Installment and payday loans without verification in the debtors’ registers

Installment and payday loans without verification in the debtors

Bad credit history can be a big obstacle to getting a loan or credit. Some lenders, however, offer unregistered loans over the internet and even loans for those in debt. Loans without creditworthiness are a kind of trust loan with temporary financial problems.
The so-called loans without registers are granted only to certain borrowers, because companies only verify data from selected registers and interpret them freely. That is why there is always a chance to get a loan from one of the many institutions.

Online loans without verification of certificates and income

Online loans without verification of certificates and income

A stable source of income is usually the key criterion for granting, among others cash loan or loan. Sometimes financial institutions require you to show a bank statement. This, in turn, may be a problem for people without a permanent place of employment or those with family benefits.

Loans via the Internet without income certificates are significantly faster because they do not require completing documents confirming employment, the amount of monthly income and expenses. When choosing long-term loans without certificates and payday loans without calling the employer, we do not have to worry about the boss finding out about our financial problems.

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Benefits of online loans

cash

 

Sure you have already heard of online loans right?. The technology has been so beneficial that now you can get the money you need without leaving home. You only need internet connection. In this note I tell you more about what an online loan is and all the benefits it brings to you.

It is a loan that you can access in a few steps and that can be approved in a few minutes through the Internet.

What are the benefits of online loans?

What are the benefits of online loans?

You do not need a guarantee – For these loans you just have to fill out an online form. If everything is ok with your credit history it will be approved without the need for anyone to endorse the process.

They are instant loans – Another benefit of online loans is that they can be granted instantly. The bank evaluator will do the process and if the information obtained is consistent, the loan is yours. You can see it in your bank account in minutes or you can go to the bank to get the cash you requested.

Goodbye gigantic contracts

Goodbye gigantic contracts

When you ask for traditional loans you lose a lot of time in the bank answering questions and signing papers. With online loans, you just have to fill in your information on a form.

You don’t explain your reasons – In traditional loans you are asked to say what you need them for, or what you will use the money for; With loans made online it is not necessary to give this information. That gives you the advantage of being able to use it both for yourself and for another person or for your business.

Other advantages

Other advantages

Other advantages of online loans is that you can set the monthly fee you will pay, based on your income; In addition, you have excellent terms to pay (which you can choose yourself); Finally, you do not need to purchase any other product from the bank when you request your loan instantly.

Do you dare for this type of loans? Remember that although it is a beneficial credit, the amounts offered under this modality are not very high. In addition, you will require good payment behavior to be a candidate for that.

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Know the interest and charges of our payday loans.

 

For us it is very important that you as a client can know what you are paying in addition to the value of your payday loans, because we know that sometimes this can generate confusion among our users. This is useful information that will allow you to know how our service works and what you will cancel when paying your debt. Pay close attention.

It is very common that some users do not initially review the different charges that are generated when requesting a financial service with any entity. For this reason, when the receipt arrives with the payment of the same, they are surprised and this can generate inconveniences with the entity they went to to enjoy said service. This is why it is important to always be informed about the charges when acquiring a loan. As a user, it is necessary to understand that there is no bank or financial entity that offers loans and that does not have an additional charge, both in interest payment and in administrative value. As an example, you just have to look at the handling of debit and credit cards, which are part of a product offered by the bank with a maximum amount intended for use, but at the time of making the purchase of any item a charge is made additional for said acquisition.

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In addition to this, depending on the time you choose to pay off your debt, an interest charge is applied, which is regulated by the regulations in Colombia, which is applied monthly and must be canceled until the total debt is finished. To this we must add that as an additional administrative charge, there is a receipt of money for the concept of “handling fee”.

This is the best example that we can find to explain in a simple way that every financial service, regardless of which entity it comes from, has some additional payments that must be canceled as a result of the service and that cannot be ignored, taking into account that Behind your next purchase there is a whole team of people making this possible

Making this clear and so that you can understand what those additional charges we make through our Gas family payday loans platform, or any of our services, will explain the costs one by one. Attention!

Insurance:

Insurance:

This refers to a payment that you must meet to guarantee an insurance policy that is indicated in our calculator at the time of applying for the credit, on the value you will use. This collection becomes effective at the moment in which the holder of the debt has some type of disability that prevents him from making the total payment or in situations where he dies and there is no one to assume that cancellation. It is very important that you inform us if you already have this policy through another entity and should only send the necessary certificates and information that we will request to take it into account.

Administration charge :

Administration charge :

This payment is made only and exclusively in the event that you have one or more active credits and must be canceled within 30 days. With this charge we can ensure the availability of the quota that has been assigned. If you do not have active payday loans, you will not be charged with this ID.

VAT: This is a charge with which you should already be familiar, as it is collected on almost all products and services that can be purchased, regardless of their nature. This VAT is a tax that is made at the value of your credit and is equivalent to 1.9% of the total charges.

Technological charges:

Technological charges:

This is a charge that is faced with the use of our online platform and covers everything related to the management of your loan, as well as other benefits that you will find in our system. You can have access to your account to keep track of your credit, the status of your debt, look at your credit history with us, what is the status of your membership, promotions that are active, among others. However, if you do not wish to make your request through our platform, but prefer to use another offline medium to do so, you should not cancel this value.

Now that you know them, you can see that our interests and positions are completely fair and transparent. According to the change implemented in the methodology for this purpose, the national authorities certify the maximum collection rate that can be demanded from the user for the payment of their credit obligations month by month. For now, it is necessary that you know that for the month of September 2017 the rate that will be charged for annual cash corresponds to 33.22%.

For us it is very important that you understand that we act transparently and that we are interested in providing a service with which you can solve your financial problems or get out of trouble. In addition, we have benefits for those clients who cancel their payday loans days before or on time. For example, if you pay 10 days before the deadline to cancel your debt expires, we will give you a 50% discount on interest and other charges. For more information about these benefits.

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