Sony cp http://sony-cp.com// Mon, 19 Aug 2019 00:59:34 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 All about consumer credit comparators http://sony-cp.com//all-about-consumer-credit-comparators/ Mon, 19 Aug 2019 00:59:34 +0000 http://sony-cp.com/all-about-consumer-credit-comparators/

The market for online comparators is booming thanks to the internet. Finding sites that collect and compare prices from all web resellers, often allowing you to add a myriad of options, is now an integral part of the first step toward finding the best buy. Indeed, for most Internet users, this is the first step before any investment. Price comparators have access to a huge amount of information through software that actively searches for and exploits web pages and enables selective and relevant sorting before committing. It is now possible to compare travel, hotel bookings, retirement home prices, daily consumer goods, insurance and even various credits including consumer credit. How to navigate and how to trust a comparator over another?

 

Consumer credit comparators: transparency, reliability and independence

Consumer credit comparators: transparency, reliability and independence

The legislation is clear on the subject. Sites that are sellers or resellers of the product they are comparing are often considered to be illegal, and often put their own product at the top of the list, thus offering the public erroneous comparisons and misleading advertising, biased to their own interest. Of course, some sites resell the products they compare and major brands are already using this process. However, the law allows these cases when the company uses an agency that sources product prices and compares them in place of the company. This is how the comparison remains neutral and does not take advantage of any brand. Thus, if the brand offers a comparison, this process is that it is no longer judge and party and the comparison is accomplished in an honest and healthy way.

 

Compare a consumer credit

Compare a consumer credit

In order to be able to effectively compare a consumption credit, it is necessary to compare the good elements. For a credit, the first element to compare is the APR, that is the Annual Effective Rate, which is the interest rate that will be used for the duration of the loan. For an APR to be interesting, it must be fixed or even degressive, ie it can be revalued downwards. If it is fixed, it indicates that it will not increase during the term of the loan.

It is also possible to compare the consumer credit insurance offered by the lender. The insurance of this type of loan is however not compulsory and the organizations do not oblige the borrowers to subscribe to it. In addition, since the Lagarde law, nothing prevents the borrower to compete and choose insurance that is external to the borrower. This new device now allows the consumer to choose the most interesting insurance on the market.

The comparison can also be made on the return of consumers who can compare products or banks and financial organizations offering credits by giving them notes online. These assessments measure the trust users place in these institutions. The borrower can, at first glance, compare the confidence index assigned by his peers.

Finally, when one subscribes to a bank loan, in the majority of cases, the bank or the banking institution may charge a handling fee at the opening of the loan. These handling fees include the analysis of the documents submitted by the borrower and all the administrative procedures to be carried out. These fees can be compared by the borrower. For the consumer credit, it should be noted that many banking organizations include the administrative fees in the APR or do not offer them for consumer credit. Of course, everything depends on the amount and duration.

 

How to compare a consumer credit

How to compare a consumer credit

Several elements make it possible to compare consumer credit. The consumption credit can be an assigned loan, such as a car loan, which concerns the purchase of often predefined properties. But the consumption credit can also give access to a sum of money, without the sum being allocated to a specific property. It is thus possible to buy computer equipment, household electrical goods, to cope with an exceptional situation. This loan is less financially than a conventional loan and therefore the term is often much shorter. The operation of the consumer credit is however the same as for these usual credits and its characteristics are defined in Article L-311-1 4 ° of the Consumer Code. The important element is: a credit must always be repaid. Three main elements can be chosen for an effective comparison: the duration, the amount and the age of the borrower. The price comparator will help make the first selection by doing a macro comparison.

The duration gives an idea of ​​the commitment over time and allows to create of the repayment schedule. Depending on the APR, the borrower repays fixed monthly installments staggered regularly over a period of time. Thus, the price comparator first asks you to select a duration. This time represents the time you will put in repaying your credit. The amount is also requested, it is important to give an exact amount and set this amount in advance, assessing your needs well. If age is requested, it is because of your repayment ability. The higher the loan, the more advanced -age can be a brake. Just as a very young age will denote that you are still a student for example and will question the organization that may require a guarantor.

 

The advantages of the credit comparator

The advantages of the credit comparator

It allows you to identify the relevant proposals within a large set of offers and to select them upstream using identical criteria. It is difficult at times to get a comparison if one of the criteria is significantly different when addressing each organization individually. The comparator allows a healthy comparison based on common criteria.

The comparator also makes it possible to obtain a list of organizations which, even if it is not always exhaustive, represents the majority of the actors of the market. With this list, the borrower can easily identify a list of companies whose interest can be studied individually.

Comparators of consumer credit must also be able to bring expertise in their field. Favoring a site specialized in a specific field may be the right choice, a comparator also offering a newspaper, blog or complementary documents to the theme will prove a plus. Since the consumer credit is a real financial and personal project, it is important to be able to read and learn about the subject before actually leapfrogging.

Finally, the credit comparator makes it possible to modulate the criteria of the loan very substantially in order to find exactly the amount and duration necessary for the chosen project. In addition to helping to find a financial institution, it helps upstream the borrower to project and visualize concretely how the operation will take place. The borrower will be able to easily consider several scenarios and evaluate what will best fit their own situation.

 

For further

credit

Most consumer credit comparators are there to help the consumer to build an idea of ​​the market, to discard suspicious offers because too easy to access or too cheap and offers too expensive. The comparators also make it possible to build an image of the project and to constitute a temporal scheme of the repayment (loan duration, amount, visualization of a schedule). Credit comparators are the first stone of a project, before moving to the micro-selection or selection stage in detail. Fortunately, the credit comparators offer directly on their site the link to the financial organizations and banks offering the credits. The borrower can directly make his first requests online by clicking on the link.

Once a certain number of suitable organizations have been selected, the next step is to meet directly with the right people within these organizations and to continue the comparison on other, more secondary, but equally important criteria. For example, the free reimbursement, the ability to buy back the credit, the credit carryover are all elements that constitute the credit agreement and will be determined in the last phase, before choosing your organization. Ensuring that the rate is fixed and not variable or revisable can also be part of this phase where supply is analyzed in detail. In the case where the rate would be revisable, it is a matter of verifying that this rate is capped, that is to say, that it can not exceed a certain amount.
It is these little details that will make the difference in the final stretch, between two organizations that will make a similar proposal with the same APR. These last elements can also be part of the negotiation with the organizations and will make that you will obtain the best offer of the market. Consumer credit can indeed be negotiated and discussed. And finally, it is also the relationship that you can maintain and develop with the interlocutor dependent on the financial institution, its quality of listening and also the confidence that you will be able to grant him that will make all the difference. top

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Buyback and Consolidation of Credits http://sony-cp.com//buyback-and-consolidation-of-credits/ Wed, 24 Jul 2019 13:41:25 +0000 http://sony-cp.com/buyback-and-consolidation-of-credits/

What is the redemption of credits?

Without changing banks Loan consolidation, also known as “loan redemption”, greatly reduces the borrower’s overall monthly payment, which on the one hand facilitates the management of his budget and on the other hand makes him a better profile. customer. Loan consolidation makes it possible to save again and prepare for the future, buying real estate is no longer impossible!

Who is involved in a credit consolidation?

A loan consolidation fits all profiles. That you are owner of your home or tenant, employee or professional, single or living with family, our financial solutions adapt to your situation. The repurchase of credits does not concern only the people in situation of overindebtedness.

Over the course of life, many situations are accompanied by a budgetary variation or even a fall in income whether anticipated or not.

A real estate investment, the realization of work, the purchase of a car, an accident of life, the studies of the children… are so many contexts where a redemption of credits may be necessary.

The financial solutions offered by Partners Finances are completely personalized and therefore adapted to your situation. The grouping of credits by Partners Finances is a quick solution to lighten your monthly loan payments by extending the duration of your repayments.

Find all the useful tools to calculate your debt ratio or realize your depreciation schedule.

More than 2 million households solicited Partners Finances for a loan buyback.

How to apply for a repurchase of credit?

To make a purchase of credits, the simplest and quickest solution is to do an online simulation.

The request for redemption of credits is fast, free and without commitment. In about 3 minutes, your request is recorded.

The +: when you study your financial situation, you have the possibility of integrating a cash requirement that will be integrated into your global loan consolidation.

How is a grouping of credits organized?

The first step is to validate an online application.

The collected data allow to establish a first study of your situation. Our account manager will contact you as soon as possible to confirm the data entered. A proposal to buy back credits will be sent to you.

After agreement on your part, the file is sent to one of our banking partners. Following the signature of the offer, the release of funds is effective.

Each folder is unique. Your contact person will present you the solution best adapted to your situation. We ensure complete confidentiality in the processing of your debt consolidation file.

The 5 steps of credit redemption

– The board
of our analysts Whether it is a repurchase of real estate credit or a group of consumer credit, a study of your file is possible. Be aware that it is possible to include in these operations a possible need for cash. Solutions exist to reduce your monthly payments. Do not wait until your situation is irretrievably compromised; a buyout of credits can solve your excessive debt.

What is the operation of a credit redemption?

A repurchase of credit consists in regrouping all of your current credits into a single credit.

You have the possibility to include all your loans: mortgage, car loan, work credit, family debts, bank overdrafts…

Thus, you would have a simple monthly payment with a single rate.

See an example of buying back homeowner loans

The duration of the loan is extended; the cost of credit increased. On the other hand, your monthly payment can decrease up to 60% *.

The offer to buy back credits is subject to conditions. The feasibility of a grouping of credits is studied by our account managers. In order to be fixed on the eligibility of your situation, we invite you to complete our online request:

Free simulation The loan buyback project will be studied according to your repayment capabilities

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Credit with debts – how do you get it? http://sony-cp.com//credit-with-debts-how-do-you-get-it/ Wed, 22 May 2019 13:25:24 +0000 http://sony-cp.com/credit-with-debts-how-do-you-get-it/

Is it possible to take out a debt loan

Many are wondering if it is possible to take out a debt loan. This question is not unjustified, because not every bank is ready! Many want to replace old loans with a debt loan. So they would only have a payment obligation instead of many. Rescheduling is worthwhile only if it also saves on borrowing costs and thus reduces the monthly burdens. This can be done, for example, by a longer term, so that the monthly installments are smaller or the interest rate of the new loan is lower. Visit 8mgdesign.com for a summary

Use credit with debt collection

A Dispo is always associated with debt, because the money which is used, the customer has not but the bank. Anyone who has been to the dispo knows how expensive it is, because the interest that has to be paid, it is in itself and are very high. Thus, the customer can save a lot of money if he takes out a loan with debts to make up for the loan. The interest rates are sometimes up to eight percent lower, so that a lot of money can be saved. The bank earns heavily in the overdraft of the Dispo, but also do not want to lose the customer. In this case, banks often issue a loan with debts.

Save money on debt restructuring

Money should not always be saved when a loan is taken out. Existing obligations, which may already exist for a few years, should simply be repaid with a debt loan so that the monthly burdens do not overwhelm the client. It is important that the new rate should always be lower than the old one. Otherwise, rescheduling would not make sense. Credit costs play rather a minor role, it should be paid only old loans. A rescheduling is only successful if the customer has a good credit rating. If there are too many entries in the credit bureau, the bank can also reject a loan because they fear a loan default. What is important is that old loans have always been paid off, so that the bank sees the will of the customer to pay the new loan regularly.

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Which bank gives credit for residual debt relief? http://sony-cp.com//which-bank-gives-credit-for-residual-debt-relief/ Tue, 21 May 2019 13:36:52 +0000 http://sony-cp.com/which-bank-gives-credit-for-residual-debt-relief/

Which bank gives credit for residual debt relief?

At the present time, many consumers are falling into the debt trap and then subsequently into private bankruptcy. At this point there is often only one way out and this is the residual debt exemption. The debtors of course try to get away from the mountain of debt as it gets.

But even if the financial situation is really bad, the open wishes and the private life of course continue without a break. At this time, however, hardly any concerned person is concerned about whether a loan for remainders can be reached at all. For most, the top priority is to get rid of the accumulated debt and reduce it. The debt relief loan is very far away for many insured parties, which means there are no outstanding issues yet to be discussed.

The debt relief is a long-awaited day

For many people, the day with the release of residual debt has the character of a new beginning. Thus, the previous sins are then adopted and the fun with your own financial life can start again. However, the dreams and wishes remain of course and these are usually only through a loan to realize.

In general, it does not pose any difficulty to buy different things on a bucket, because in the present time banks are ready to loan almost everything.

Loans who want a debt relief loan, however, are usually denied by the lenders. The more cancellations the prospect receives, the more often it has to be established that a loan is almost impossible after the debt has been cleared.

Which bank gives credit for residual debt relief?

For the lenders, this lending is too great a risk. The lenders assume that a prospective banker after the bankruptcy and the debt relief has still not learned to get along with his financial resources. The lenders then do not agree on monthly installments because they assume that there will be financial difficulties. The payment difficulties do not even have to be a missed payment, but it can just come to unpunctual payments.

At the very beginning, those affected are also often burdened by unemployment and thus a private bankruptcy can arise because the monthly income is eliminated. Of course, an unemployed person will have difficulty lending anyway, if not impossible.

Thus, there are not just one, but two extreme reasons for a credit rejection at this point. The reasons are the residual debt exemption and unemployment.

 

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A loan for the start of operations http://sony-cp.com//a-loan-for-the-start-of-operations/ Thu, 11 Apr 2019 15:26:18 +0000 http://sony-cp.com/a-loan-for-the-start-of-operations/

You already have a business idea, but you lack the right resources to make your dream come true? You do not have to postpone plans for later. All you need is a quick loan to start. Where can you get it? What conditions must be met? How much can you borrow?

Depending on the industry and the type of business, the company may require several to even tens of thousands of zlotys to start. It all depends on what initial expenses will have to be borne. Establishing a company is free, but we have to prepare for regular costs from the first day of operation.

The money is spent, among others, on the purchase of the company’s equipment, goods, on setting up a website and marketing. Also, sometimes the company immediately employs employees, in the same must pay them a salary. These are just a few examples, because every business is different.

When there is not enough money to start a company

When there is not enough money to start a company

If the entrepreneur does not have sufficient sum of money to cover all costs related to the start-up, he can use the forms of external financing. In this category there are, among others, various subsidies, as well as loans for start.

Subsidies are a good choice because they do not need to be returned if certain requirements are met. On the other hand, however, we should remember that not every company is able to receive co-financing. When we can not get around to them, the most common choice is the credit for new companies.

Where to get a loan for a new company?

get a loan and money

Financing for new enterprises is available at both banks and non-bank lending companies. We must remember that the requirements and limits for individual lenders will be different.

Banks usually offer loans to customers of up to 20,000 or 30,000 PLN for start-up. The amount can be spread even for 5 years, so we can get a low installment then. To obtain a loan, we must provide relevant documents, including those related to the establishment of the company. We can not have debts in BIG and BIK databases – in case of any debts, the bank may refuse to grant us financing. As they are high-risk loans, banks carefully check their clients. Some of them require additional conditions to be met, such as a surety. Often, along with the loan, we also need to set up a bank account – it is worth checking its fees.

In non-bank loan companies, we will be able to get a loan for the start of the company, usually around 10,000 PLN. The debt repayment period usually brings up to 2 years. Therefore, in the non-banking company, most often we borrow less, but we can count on better conditions – there is no need to present any securities, for example sureties. There is also no need to provide accounting and banking documents.

Credit from the first day of operation

Credit

What is important, we can get a start loan from the first day of running a business. In principle, we can apply for it immediately after registering your company, for example via the internet.

This is due to the fact that we have to enter the data of our newly founded company into the loan application. Therefore, we do not have the possibility to take a loan to the company before it is established.

 

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How to recognize a good cash loan? http://sony-cp.com//how-to-recognize-a-good-cash-loan/ Fri, 08 Mar 2019 16:26:43 +0000 http://sony-cp.com/how-to-recognize-a-good-cash-loan/

We have a wide range of cash loans available on the banking and non-banking market. How do you find one that will be the best? We advise on what parameters to pay special attention to!

Not all of us have enough savings to cover our expenses. In this situation, we can use cash loans, which can now be taken even as evidence – also via the Internet.

We have a wide range of cash loans offered by banks as well as by non-banking loan companies. We can choose the proposals, but before we decide to submit an application, it’s worth finding out what to look for when looking for the best cash loan.

For those who would like to take out a loan on good terms, we have prepared a special guide, which deals in detail with various types of offers on the Polish market. How to recognize a good cash loan? We invite you to check with us!

– Cash loan – what is it?

– Where’s the cash loan?

– Parameters of a good cash loan

– Calculators, rankings, loan comparison websites – is it worth using them?

Cash loan – what is it?

But let’s start with the basics, namely what the cash loan really is? When is it worth taking? How much can we borrow and for how long? What can we finance with her?

Cash loans are the most popular loans among loan offers available on the Polish market. They allow you to obtain different sums for many expenses – without having to indicate the purpose of these expenses. Therefore, the lender will not be interested in what we spend money on, as is the case with loans that are already intentional, for example a home loan or a car loan.

For this reason, a cash loan is the most convenient solution when we do not have the right amount of money and need it as soon as possible.

A cash loan may be issued on:

– purchase of various products

– renovation of the flat or house

– holiday trip

– private treatment

– covering your debts

– buying or renovating a car

– family event device

So when we take out a cash loan, we have unlimited possibilities to spend money. How much money can we get at our disposal?

Cash loan – how much can we borrow?

Cash loan - how much can we borrow?

It is difficult to clearly indicate the quota limits for cash loans, because everything depends on the lender and the borrower.

Most often, however, the amounts of cash loans range from around PLN 1,000 to PLN 20,000. On average, we borrow about PLN 10,000, which allows us to finance various expenses.

The amount of the cash loan is conditioned by:

– type of offer

– customer’s creditworthiness

– loan repayment period

– loan collateral

So if we earn a lot and choose a longer repayment period, the cash loan can then be really big sums. Otherwise, the lender may already offer lower amounts, unless we use a possible loan security, for example a surety by another person.

Cash loan – how long is the repayment period?

As in the case of amounts, the repayment period is determined by various factors.

Non-bank loans allow us to generally obtain a shorter repayment period of up to 2 years, while those of a longer repayment period – up to 10 years.

Non-bank loans can be divided into two types:

– payday loans

– installment loans

Timers are loans that have been specially designed for quick financial support – thanks to them we can get small amounts, but on very convenient terms, without the need to present documentation on earnings or bank statements.

Thanks to the breaks we can borrow from about 100 zlotys to 3,000 – 5,000 zlotys depending on the loan company. However, the repayment period is only 30 days, or one month. This makes payday loans good loans to quickly improve the financial situation, but they are also more risky due to such a short repayment period.

The second offer, ie non-bank installment loans, are already similar to loans offered by banks. Then the amount to be repaid, ie the borrowed capital along with the fees, are spread out into installments corresponding to the repayment period. Installments are paid every month – less frequently every week.

Installment loans are safer because they allow you to spread your debt into easy-to-install installments and you do not have to pay back a large sum, as in the case of payday loans. Therefore, it is best to choose an installment loan – it will be safer even with lower amounts.

Cash loan in law

Cash loan in law

In contrast to loans regulated by the Banking Law, cash loans are described in the provisions of the Civil Code.

According to him, “Through a loan agreement giving a loan he undertakes to transfer to the owner of the recipient a certain amount of money or things marked only to the species, and the taker undertakes to return the same amount of money or the same amount of the same species and the same quality” – article 720 of the Civil Code.

According to the regulations, the loan should also be in writing, but this is not necessary in the case of loans for lower amounts, under PLN 500.

It is also worth pointing out that, according to the Civil Code, a loan may be concluded not only with business entities, for example with banks, non-bank loan companies, but also with private persons, for example with family and friends.

Where for a cash loan?

As we have already pointed out, a cash loan can be taken both in banks and non-bank lending companies when we talk about offers from business entities.

Often, the question arises – where to go for a good cash loan to be completely satisfied with it?

Both cash loans offered by banks and those offered by non-banking loan companies have their advantages and disadvantages. Let us focus on the main differences between these offers.

Cash loan in the bank

We are used to the fact that if we want to take out a cash loan, we usually start by reviewing the offers available in banks. Indeed, we can get this kind of loans as individual clients, as well as business clients in almost every banking institution.

Banks in their regular offers have cash loans – sometimes they are also available on promotional terms, for example without commission, with a reduced interest rate.

Cash loans in banks allow you to raise larger sums, but they are largely determined by the creditworthiness of the client. This should also be quite high, because banks are strictly approaches to considering loan applications. Without sufficient income from a fixed source and a positive credit history, it will be difficult for us to get a loan from the bank.

As we noted earlier, the repayment period of cash loans in banks is also quite long, which allows for the debt to be divided into low installments.

The plus is the high level of security. Banks are supervised by the relevant institutions, so choosing their offers, we can be sure that we will not be exposed to danger, for example to lose money.

It is also worth noting that currently we can get a loan not only at a bank’s outlets, but also via the internet. The easiest way is to get an on-line loan as a regular bank customer – then we only have to complete the online application and in just a few minutes the money can be on your account.

Cash loan in the bank – in a nutshell:

– high amounts of loans

– long repayment period

– only installment loans

– adequate creditworthiness and history required

– high level of security

– on-line and on the internet

Non-bank cash loan

The second option is to use cash loans offered by non-bank loan companies. In this case, we also have a lot to choose from because there are several dozen different loan companies operating on the Polish market – both with Polish capital as well as with foreign ones, which opened their branches in Poland.

Non-bank cash loans, as we mentioned earlier, are both payday loans and installment loans. The amount of loans and their repayment period are however not as attractive as in banks, but they allow you to finance various expenses without any problems.

When we want to take out a non-bank loan, however, we must remember the basic rules of security. On the Polish non-banking market there are both trustworthy companies, as well as those that are focused on the use of customers – swindling money from them, charging additional fees, based on their ignorance. It is therefore worth to x-ray the offer in terms of security before sending a loan application.

As for non-bank offers, the ones available online are especially popular. Payday loans and installment loans via the Internet are then more easily available than banking ones, which attracts many clients to loan companies. Of course, we also have the option of using fixed-line loans as well as home-service loans – we will discuss this topic later in the article.

Non-bank cash loan – in brief:

– lower loan amounts

– shorter repayment period

– payday loans and installments

– low creditworthiness and credit history possible

– not every loan is safe

– stationary, online and with home service

Parameters of a good cash loan

Let’s get to the bottom, or parameters, which should stand out good cash loan – both banking and non-banking. What should we pay attention to then?

A good cash loan should be:

– cheap

– fast

– easily accessible

– secure

– comfortable

These five parameters allow us to find a cash loan that will be able to meet all of our requirements. Below, we present exactly what lies behind these advantages and how to recognize that we really have to deal with them.

A good cash loan – cheap

First of all, a good cash loan should stand out with low costs. The less we will have to pay as part of the loan fees, the better.

The amount to be paid back then consists of both the borrowed capital that we receive at our disposal, as well as a number of additional borrowing costs, which include:

– interest resulting from the loan interest rate

– commission for granting the loan

– preparation fees

– insurance policies for loans

– other fees, for example for examining the application, verification

Depending on the loan, the bank or loan company can apply all these fees or only some of them. It is worth to look carefully at what is included in the offer.

Currently, many banks and loan companies use special calculators on their websites that allow for a convenient calculation of loan costs. Then we only indicate the amount and repayment period that interests us, and the calculator calculates the total cost and installment amount.

In determining the general loan costs, we can also help us with the APY parameter – the actual annual interest rate, which expresses all loan costs on a yearly basis, expressed in percent. APRC is best compared for the same loans in terms of amount and repayment period. The higher the APY indicator, the more expensive the loan will be.

Attention! Cash loans are also available for free, which are offered non-banking. However, they are available for lower amounts and for new customers. If we exceed the repayment period, the loan company counts all the fees as if it were a regular paid loan!

A good cash loan – fast

A good cash loan should also be quick, that is, almost immediately available. Currently, both banks and non-bank loan companies boast that they are able to provide loans even in a few minutes. Indeed, it is possible, but only if we meet certain requirements.

The loan will be quick if we provide the application during the working hours of the lender, and we will meet all its requirements in terms of creditworthiness and positive credit history.

In the case of on-line loans, when verification transfers are made, their posting time is also important. Ideally, they should be booked through an on-line payment system, such as BlueMedia used by Aasa. Then the transfer immediately reaches the recipient, which speeds up the loan.

A good cash loan – easily available

It is also important that the cash loan is easily available. What exactly do we mean by this term? An easily available loan is one that can be obtained without the need to meet excessive requirements, practically on the spot, for example at a nearby outlet or via the internet, i.e. without even having to leave the house.

In this respect, it is worth paying attention to non-bank loans, for example, in Aasa, customers do not have to meet such complex requirements as in the case of bank loans. You do not have to provide a number of documents and each application is considered individually. It allows you to get a loan quickly and efficiently – also completely online.

However, we must remember that the loan conditions may become more acute when we want to apply for a higher amount. The lender then needs to examine the creditworthiness of the client more closely and may ask him to provide additional documentation, for example a statement from the employer, an account statement. Additional security measures may also be required, for example a surety.

A good cash loan – safe

Of course, we can not forget about security issues that have already been raised.

A safe cash loan can not bring with it any unknown as to costs and conditions. All the most important information should be found on the lender’s website and in documentation such as the contract, repayment schedule, fee tables. Remember to read them carefully before signing!

To be sure, you should also look for an opinion about the lender via the internet. For this purpose, you can simply use the online search engine and enter the name of the lender. We should find a lot of helpful opinions on internet forums, on social media, on blogs.

If we are unable to find any information about a given lender, it is better to opt out of the offer – there is a risk that it is not secure.

A good cash loan – convenient

A good cash loan - convenient

Let’s also not forget that a good cash loan should be convenient for the borrower. What should characterize it then?

A convenient cash loan is one that is not only easily available, but also easy to pay. Today, the standard is the ability to repay a loan by bank transfer, which we can do online – so you do not have to go to a bank or loan company or post office to make a deposit there.

Remember, however, that when we deposit money into an account in another bank, the posting time is usually one business day, so it’s best to pay in advance!

In addition, a good cash loan should also allow repayment ahead of time – without any additional fees. In this way, we can pay back the loan quickly before the dates set in the repayment schedule.

An additional advantage when taking a cash loan is the option to choose the repayment day, which will be the most convenient. We indicate then on the day when we would like to pay off the loan installment. As a standard, if we do not have such a possibility, the repayment is set for a month from the date of the loan, which is why it is not always a convenient date.

Therefore, a good cash loan should meet all these requirements, i.e. should be inexpensive, should be available on convenient terms, fast, secure and also convenient. If we pay attention to these parameters, choosing the right offer should not be difficult!

Calculators, rankings, loan comparison websites – is it worth using them?

Very often when looking for the best cash loan on the Internet, we can also come across various types of calculators, rankings and loan comparison websites. Is it worth using them then?

Services containing calculators, rankings and comparison of cash loans allow you to read the various offers in one place – without the need to visit each lender’s site separately. They are therefore helpful for people who do not know where to take out a loan.

On the other hand, however, we must remember that websites of this type may not be complete or may be out of date. It happens that in order to promote certain offers, they omit others, they do not contain the latest information related to all loan offers.

Therefore, it is worth to consider the calculators, rankings and comparison of cash loans with reserve and always read the offers directly also on the lenders’ websites.

Summary

Finding a good cash loan does not have to be very difficult at the moment. Interesting offers await both banks and non-bank lending companies, which also tempt you with cheap and easy loans for any purpose.

When we are looking for a loan that will be able to meet all our requirements, let us remember about the five main parameters, namely:

– low loan costs

– the speed of the loan

– favorable conditions

– safety

– comfort

Thanks to this, we will be able to obtain a cash loan, which will not be a significant burden for the household budget, and we will be able to fund virtually any purchase thanks to it.

To attract a quick, cheap and comfortable loan, Aasa invites you – with us you can apply for an on-line loan even at this moment!

  • good loan
  • good installment loan
  • good cash loan
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Corporate loan costs http://sony-cp.com//corporate-loan-costs/ Tue, 05 Mar 2019 16:49:23 +0000 http://sony-cp.com/corporate-loan-costs/

Do you want to take out a company loan to scout the financial situation of your company? In this case, you have a wide range of different offers ahead of you. How to choose the best loan? Above all, we should pay special attention to the costs of a company loan. How to find the cheapest one?

Corporate loans can be found both in banks and non-bank companies. So let’s read the various proposals to find a loan that will be available on favorable terms and will be cheap.

Let us focus here on one type of company loans, namely on cash loans, which are available for almost every company – including the one that was just founded. Thanks to cash loans, we can finance all expenses, among others, purchase equipment for the company, goods, pay bills. We can spend the money for any purpose.

Interest on the loan

Interest on the loan

The first cost associated with the company’s cash loan is its interest rate, i.e. interest, which we pay for the money borrowed. The interest rate is expressed as a percentage and refers to a year, so for example we can deal with a 10% interest rate per annum. Then a loan for PLN 1,000 will cost us PLN 100 per year.

The loan interest rate may vary depending on the loan amount and the loan period. Let’s also remember that the longer the repayment period, the more interest we will have to pay to the bank or non-bank loan company, therefore shorter loans are more profitable.

Commission

Most loan companies and banks also receive a one-off commission on the payment of a company loan . Most often, the commission is a few percent of the loan, which is why it is not very high, but it is worth checking its amount to make sure it will not be very expensive.

We do not have to provide the bank or a non-banking company with a commission in the form of a payment – the commission is also included in the loan, i.e. when we take a loan of PLN 1,000 and the commission is PLN 50, the loan amount will be PLN 1,050, but the bank or loan company they will immediately collect PLN 50 from the commission. It will be added to our installments.

Preparation fees

These are fees that are often used in non-bank lending companies, but we also meet them in banks. The amount of the preparation fee can be any and it is a fee for launching a cash loan for the company.

These are the main costs of company loans, but we can also meet with others, for example, it may be an obligatory loan insurance, a fee for processing the application.

How to choose the cheapest loan?

How to choose the cheapest loan?

If you want to borrow money for a company and do it cheaply, it’s best to compare the loan costs exactly. Here, we help various calculators and on-line comparison computers, with which we can find out where prices are lowest.

We can also find helpful calculators on the websites of many banks and non-bank loan companies. After entering the amount of the loan and the repayment time, we can see how all the costs of the loan are and what one will cost us the least.

  • interest rate on the loan
  • commission for granting a loan
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How to take a quick loan? http://sony-cp.com//how-to-take-a-quick-loan/ Mon, 18 Feb 2019 16:15:42 +0000 http://sony-cp.com/how-to-take-a-quick-loan/

A good loan should be not only cheap, but also fast, so that the customer can receive money for expenses practically on the spot. Today, many banks and non-banking loan companies boast that they can give loans even within a dozen or so minutes. How does it look like in reality?

If your bank account does not have enough money to cover urgent expenses, the best option will be a loan. We can then borrow money from a loved one, for example from a family or a friend, but we can also turn to a lender such as a bank or a non-bank lending company.

Currently, there is a wide range of cash loans that allow you to finance practically every expense – both small and high sum. We can even borrow on-line, that is, without having to leave the house, because all the formalities can then be done online.

However, how can you find a loan that will help us finance your expenses in a shortened time? We suggest what parameters are worth watching!

– Quick loan – what is it?

– What determines the speed of the loan?

– To a bank or non-bank loan company?

– Can anyone take a quick loan?

– What may cause a delay in the processing of the application?

A quick loan – what is it?

When we talk about a quick loan, we often do not think about exactly what we mean. Therefore, for one person a quick loan is one that is available almost immediately, for others it is the one that will be launched within one business day.

Let us assume, therefore, that a quick loan is a loan that we can get as soon as possible, i.e. the shorter the period of its granting, the better.

What loans will we get the fastest? How much can we borrow at that time? When should I repay such a loan? What else should we pay attention to except the speed of its delivery?

Quick loan – only cash?

Quick loan - only cash?

When we are looking for a quick loan, we can usually meet with cash loans. They were created to make it easier for clients to incur various expenses – there is no need to set a goal for funds, so you can spend them freely. Loans of this kind are offered by virtually every bank and by non-banking loan companies – both on-line and on-line.

It is worth noting, however, that cash loans are not the only loans we can get without delay. This group includes also installment loans, which we get directly in shops, lombard loans that are granted against various property, as well as certain types of loans, for example car loans – if the customer presents sufficient creditworthiness, he can get a loan for the car in within one hour.

However, the cash loans are the most popular among quick loans – it is the best support when you need money for any purpose practically immediately.

We can devote a quick cash loan for such purposes as:

– shopping, for example, home appliances, electronics and other essential items

– repairs when you can not delay them

– trips, for example an attractive last minute trip

– treatment when we can not wait in the queue and time counts

– repayment of debts, if the repayment date is approaching

– payment of bills that are higher than expected

– repair of the car needed for commuting

These are just examples of quick loans, which allow you to finance various expenses at an express pace.

How much can you borrow and when you need to repay?

Depending on the offer, they allow you to borrow a sum of up to 5,000 PLN or 10,000 PLN, but we can get even tens of thousands, or even several hundred thousand PLN.

The repayment time of a cash loan is usually from 1 to 10 years, but usually it is about 2-5 years. Most often when submitting the application, we can determine independently what is the repayment period we prefer. The shorter the repayment period, the higher the installments will be, but also the loan costs will decrease. In the case of an extended repayment period, the loan installment will be at a lower level, but we will give the bank or the loan company more money in fees.

It is also worth noting that the group of cash loans also includes so-called payday loans. These are temporary loans that we enter into low amounts – usually from 100 zlotys to 2,000 – 5,000 zlotys depending on the lender, which we must return within a month (less often with the option of extending the repayment). They are used for instant repairs of the home budget, when repayment can be made within 30 days.

Not only speed is important

Of course, a good cash loan should not only be fast, but it should also have other parameters. Thanks to this, we can find a perfect offer that will allow us to borrow money on the most convenient terms for us, it will be cheap and will be safe.

Currently, banks and non-bank loan companies put a lot of emphasis on the speed of loans, because when we want to borrow money, we usually want to spend it right away. Therefore, a big plus in the eyes of many customers is the instant processing of the loan application and the payment of money immediately.

Therefore, when looking for a good loan, we should look not only at its speed, but also at a number of other parameters – then we can be sure that it will meet all our requirements.

What determines the speed of the loan?

What determines the speed of the loan?

If we’re talking about a quick loan, then we mean one that allows us to get a payout in the shortest possible time. It is worth noting, however, that the speed of its delivery consists of a number of different factors.

The speed of the loan is made up of:

– time of writing out the loan application by the client

– time of client identity verification – on-line loans

– time of considering the loan application

– time of withdrawing money

If these four periods are as short as possible, then we can also talk about the fact that the loan is granted in the short term. Below, let’s take a closer look at each of them.

Time of writing out the loan application by the client

It happens that this is the longest stage of applying for a cash loan, because then we have to carefully write a paper or electronic application, that is on the website when borrowing an on-line loan.

We must put a variety of information in the application, including:

– personal data

– address data

– data from an ID card as its number, PESEL number

-high income

– the amount of expenses

– information on the source of income (including data on the employer)

Thus, it can take quite a long time to write an application depending on how much information we need to include in it. However, it usually takes 10 to 20 minutes to complete the application yourself.

However, you can get a loan without a laborious writing out of the loan application – this is possible for regular bank customers as well as for non-bank lending companies. Regular customers already have created customer accounts, so usually there is no need to write a long loan application every time.

Time of client identity verification – on-line loans

If we want to decide on a loan via the Internet, mainly in non-banking loan companies, we must also prepare for the passage of so-called identity verification. It is an indispensable stage and prevents borrowers from using documents.

Identity verification usually takes place online via a verification transfer. We make this transfer from your bank account to the lender’s account – the amount is symbolic and usually amounts to 1 grosz or 1 PLN. The lender then compares the data of the sender of the transfer and data in the application – if they agree, the verification is positive. Therefore, it is not possible to make a verification transfer from another person’s account.

Verification transfer can reach the recipient right away – this happens when:

– quick online payment systems are used, as in Aasa by the BlueMedia system

– or it is an intra-bank transfer, i.e. both the client and the lender have accounts with the same bank

If the transfer takes place in interbank, that is between two banks, without the use of a payment system, then it is most often posted the next business day. This results in a longer waiting time for withdrawing money.

Attention! Loan companies also use other methods of customer verification, for example in Aasa you can use the verification during the courier’s visit and sign documents, or verification in partner facilities.

Time of consideration of the loan application

When the loan application has already been discharged, it is handed over to the lender and considered. The time of consideration is also individual and depends on the bank or loan company.

As we noted earlier, currently banks and loan companies strive to process applications as short as possible, which is why this stage is not long – from a few minutes to one hour, but may also be extended in some cases.

Banks and loan companies use special systems to analyze applications. These systems are automatically able to calculate the customer’s creditworthiness and indicate whether a loan can be granted or not. When everything goes well, the decision to process the application is passed on to the customer instantly. In Aasa, it’s usually a few minutes, a maximum hour!

However, it is worth pointing out that a large part of banks and loan companies consider customer applications only during business hours. Therefore, if we complete and submit a loan application outside these hours, it will be processed only on the next business day. This can extend the waiting time for a decision even for a few days.

The time of examining the application may also be extended if the lender is not sure about the creditworthiness of the client and will ask him for additional documentation, for example a certificate from the employer, an account statement, or special security, for example a guarantor.

Time to withdraw money

The third factor determining the speed of disbursement of a cash loan is the time of withdrawing money.

The payment can take place in three ways:

– cash

– transfer to your account

– with the use of a GIRO check carried out at a post office

Payment in cash usually takes place in the case of a flat loan (less frequently)

with loans with home service). In turn, payment by bank transfer to the customer’s account can take place both in the case of fixed-line loans and those granted via the Internet.

When paying with cash, we do not usually have to wait for money. Smaller sums, up to around PLN 10,000, are paid out immediately. However, when it comes to larger amounts, it may turn out that we have to wait for the money to be delivered to the facility. In general, you can receive them the next day.

In the case of transfers, the already mentioned quick online payment procedure also applies. Then it is possible to receive a transfer with money from your hand. We will also receive a transfer immediately if it is intra-bank. With standard interbank transfers, the posting time is usually one business day.

Thus, the speed of a cash loan is conditioned by four main factors: the time of writing out the loan application by the client, the time of client’s identity verification, the time of considering the loan application and the time of withdrawing money. So where is the opportunity to get the fastest loan?

To a bank or non-bank loan company?

Currently, both banks and non-banking loan companies allow for instant cash loans – available in a dozen or so minutes with a bank transfer or with a cash withdrawal. Before we decide to submit an application, let’s check the terms of the offer.

Fast cash loans at banks are usually available for regular customers of these institutions – having an account with regular inflows from at least 3-6 months. Then the bank grants decisions based on data about the client, such as its receipts and expenses from the account. This applies in particular to on-line loans that can be obtained in just a few minutes.

When a person who is not a regular customer applies for a bank loan, the processing of the application may be extended. It may also be necessary to provide additional documents confirming creditworthiness, for example, a certificate from the employer.

Non-bank loans, including installment cash loans offered in Aasa, are easily available to anyone interested. In this case, the application processing time is shortened for all applicants, but regular customers can count on an even faster payment of money.

We will also quickly obtain a non-banking loan online – then we only have to go through the appropriate verification procedure. When we do it with the use of a quick transfer through online payment systems during business hours of a loan company, we can have money at home instantly.

Also applications for non-bank loans made in residential establishments are quickly being considered. Most often, it takes just a few minutes to get the funds available.

Can anyone take a quick loan?

Obtaining a quick loan via the Internet is therefore the most possible, but it is worth pointing out that much depends not only on the lender itself, including the procedures for examining his applications, but also on the borrower. Who then can count on a quick loan and who will not receive it?

The key is to have a positive credit rating. This ability determines the ability to repay a liability at a given time, i.e. if we have credit standing, then we can give back a loan – capital and fees – within a specified period.

Creditworthiness is calculated on the basis of a number of factors, including:

– income and sources as well as regularity

– monthly expenses incurred, including rent, bills, other loans and credit, credit cards, alimony

– type of loan, its amount and repayment period

– credit history affecting creditworthiness

– age, marital status and number of dependents

– education and position held

In the case of quick loans, the most important thing is credit history, which shapes creditworthiness. Why is it such a key factor?

Credit history shows how we dealt with the repayment of liabilities such as loans and credits in the past. It is recorded primarily in the BIK database – the Credit Information Bureau, which was established in order to collect, process and disclose data about the indebtedness of Poles.

The BIK database contains both positive and negative information, so it is not a typical debt base. The database contains entries about each person who took out a loan, a loan, a debit in a bank or a credit card. Credit history is expressed in the form of a special scoring, i.e. a point score, which consists of:

– timely repayment of liabilities

– the number of loans and credits repaid and currently held

– use of credit limits, for example on accounts, cards

– information on applying for loans and credits

Therefore, if we pay our debts in a timely manner, then at BIK we build our positive credit history, which helps in obtaining further loans and credits. Then we can receive them instantly – without the need to provide additional documentation, for example, earnings certificates.

Attention! A person who does not have any credit history may have problems with taking out a quick loan, i.e. they did not have or do not have any loans and credits. Then there is also a risk of obtaining a negative decision or the need to present additional security documents. Then, it is best to start a credit history with small loans for small sums, which are the easiest to get.

What may cause a delay in processing your application?

It is also worth pointing out that even a quick loan can be granted in the long term. What can cause a delay in the processing of the loan application?

Errors in the loan application

Errors in the loan application

When any mistakes get into the loan application, it may cause a delay in its consideration or even a total rejection. It is worth paying attention to typos, amounts entered into the application, ID numbers and PESEL numbers. It’s better to check the application twice than then re-write it.

No creditworthiness

Another obstacle is the lack of creditworthiness mentioned above. The lender may then ask for additional documents such as a certificate from the employer, an account statement, and may also request security as a guarantee. It all extends the waiting time for the payment of money.

An interbank transfer

We also mentioned that the timing of booking transfers influences the speed of granting loans. Interbank transfers, ie between two different banks, are booked according to the Elixir session, that is three times a day for outgoing and incoming sessions. It will be faster to use the BlueMedia payment system, which is used in Aasa.

Procedures of a bank or loan company

Procedures of a bank or loan company

The speed of the loan also depends on the procedures at the bank or loan company. It is worth checking the opinions before submitting the application – it happens that some lenders often increase the time of consideration of the application and clients receive a payment of funds with a delay.

Summary

Today a quick loan can be obtained even within a quarter of an hour. However, we must realize that for the time of payment it is influenced by a number of different factors depending both on the borrower itself and on the lender – the bank or non-bank loan company.

People interested in quick loans are welcome to take advantage of our offer in Aasa! We have prepared an instant installment loan available online on very convenient terms. You can submit an application now – the money will be on your account even on the same day!

  • Quick loan
  • what a quick loan
  • where a quick loan
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Debt relief from telephone operator http://sony-cp.com//debt-relief-from-telephone-operator/ Tue, 12 Feb 2019 16:28:33 +0000 http://sony-cp.com/debt-relief-from-telephone-operator/

No one can do without a mobile phone at the time of modern technology, because it is one of the most essential elements of today’s communication. So there is no wonder that operators are trying to earn on these everyday people’s needs, in as much as possible. However, at a time when information spreads across the Internet, it is becoming increasingly difficult and the only social group of people who can easily be manipulated by retirees. Therefore, when an older lady appeared in the door of one of our branches with a worried look on her face and a payment order in her hand, we did not hesitate to help her immediately.

Her problem arose precisely from the above facts

Her problem arose precisely from the above facts

According to the order for payment, which we advised her to appeal, she was to pay EUR 1,234.02 to the telephone operator. The petitioner sought compensation for the mobile phones, the difference being the difference between the sales and stock price of the mobile phone. Our client owned 13 pieces of SIM cards.

As mentioned above, we have helped our clients to develop resistance, in which we pointed out the consumer nature of the legal relationship between it and the petitioner. We further pointed out that the amount of the claim claimed is unfounded and that the claimant did not take into account all payments of € 429.65. It was to be expected that the claimant would deduct that amount from the amount requested. In the proceeding he then claimed a claim to pay € 1,026.34.

In the next steps of this dispute, we have shown to the court that the defendant repays EUR 30 per month to the defendant through the First Debt Relief.

The court also took into account the difficult situation of our client

money,cash account

In addition to the fact that her husband died, as a pensioner receives a pension of 400 euros a month, which is to be honest, it is hard to enjoy today. At the same time, the Court found it proven that the conditions for claiming damages were not fulfilled by the plaintiff. He also stated that the defendant does not have the obligation to reimburse the applicant for the discount on the purchase price of the mobile phone if the defendant breaches the obligations of any contract, contract or any supplement thereto.

Finally, it should be pointed out that, despite the success of our client before the court, she has not been granted the right to reimbursement of costs. But what is most important about this case is the fact that, despite the non-pink situation in which our client found herself, we have been able to help her, and thanks to this unpleasant event, she can only look at the life experience she has mastered. skip.

 

 

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