Monthly Archives: October 2019

How to obtain a professional loan? – Criteria.

The search for a professional credit, may seem perilous especially for neophytes. Indeed the visit to the banker can scare entrepreneurs in the making.

Yet the banker must, a priority, be considered an ally. Indeed, its role is to finance business projects It must be thought that the banker is constantly looking for new customers including contractors but he can not do anything and he can not do anything. has a considerable advantage: he can choose his customers.

Put all the chances on his side!

Put all the chances on his side!

Thus it is necessary to prepare for this interview to demonstrate that the banker will acquire a new reliable client.

To do this, the funding file must be complete in order to avoid subsequent requests for documents and round trips. This can also demonstrate a certain rigor of the entrepreneur.

The contractor must know his file at the fingertips and justify all elements of the forecast balance sheet.

He must also know the criteria of the bank to ensure their respect or to be able to bounce on the weak points of the project.

Despite good preparation, some processing times are incompressible because of the internal organization and the size of the bank.

Once the agreement in principle, it is not prohibited to negotiate banking terms and fees for the establishment of professional credit.

Properly define your financing needs

Properly define your financing needs

The needs of the business should be defined to determine the appropriate sources of professional financing. Does the company seek to finance investments? the need for working capital? cash?

The definition of these needs makes it possible to define financing methods: short, medium or long term.

Indeed, investments can be financed by medium-term loans. If it is real estate, one can imagine to finance on long durations, 12 years, 15 years, 20 years.

Movable investments (equipment, production tool) are generally financed by bank loan over 7 years.

The need for working capital is not financeable by borrowing. Other means exist such as discount, dailly, factoring.

In what company can we find loans on the phone?

On the Polish non-bank loans market you will find companies that grant financial obligations online or less often at stationary outlets. There are also still lenders even offering loans at the client’s home. However, are there companies that offer phone loans? If so, how should we proceed to have our application accepted? See methods for payday loans by phone!

In what company payday phone call?

In what company payday phone call?

Below is a list of companies that offer their clients the option of applying for a loan by phone. If we are interested in one of them, just click “Submit Application” and we will be directed to the lender’s website, where we will find detailed information.

In the case of BestCredit lender, it is also possible to complete all formalities in stationary branches. It is worth looking at Lendon’s offer. In this example, we will explain how the payday phone proceeds after prior registration. The phone money offer is usually available to regular customers. If we are new customers, we will be asked to register your account in the company’s system. The registration form usually contains fields also required when applying. Therefore, payday phone calls will be a great help for regular customers. For the first loans, it’s better to go through the entire online process, because we won’t skip the need to verify your identity or complete the application anyway.

There are also companies on the market that grant loans by sending a text message by the customer. 

What is a phone loan?

What is a phone loan?

A telephone loan means above all a special form of applying for financial support, which should be exemplary as follows:

  • Most often, the customer leaves the contact form on the lender’s website and waits for contact or less often calls the selected number of the company providing the loan on the phone.
  • During the conversation with the consultant, he declares what amount he wants to borrow and when to pay it back.
  • Familiarize yourself with the cost of the loan.
  • Then, if everything is correct, he provides information that he would otherwise be required to enter in the appropriate places on the form.
  • We also need to be prepared for additional questions from the consultant.
  • In some cases, we can already receive a preliminary credit decision. Then the lender will verify our application and we will soon find out what his decision is.
  • If the loan company accepts our application, then within 2 days at the latest, the money will be transferred to the account or paid in the way we choose, for example at a post office using a GIRO check.

What are phone loans really about?

What are phone loans really about?

A telephone loan is intended to be a quick way of receiving an extra cash injection that should help us in times of crisis. However, it is difficult to find a company that only offers phone loans. Usually, requesting by phone call is simply an option for quick application in the selected company. That is why it is even more important to beware of offers from unknown companies that advertise on Internet forums or through mysteriously sounding messages on bulletin boards. It could be a fraud attempt or suggestions from private individuals dealing with usury that is illegal in our country. Typically, these types of companies do not have their own website, which should raise suspicions. If we do not find an entry in the National Court Register of a given loan company, it is already a warning light that someone is trying to deceive us. Despite the unfavorable financial situation, beware of similar offers of private loans from non-legalized business activities. It is also worth looking through the register of KNF loan institutions. We may also use the list of public alerts from the PFSA, where institutions with suspicious illegal activity are published.

Phone loan without BIK – what does it mean?

Phone loan without BIK - what does it mean?

It is difficult to find companies that do not check the customer in BIK, it is simply impossible due to the obligation to verify the borrower’s creditworthiness by financial institutions. Especially when it comes to banks that must act in accordance with art. 70.1. The Banking Act, which states that a loan will be granted after checking the consumer’s creditworthiness. In the case of loans without BIK, we are talking about non-bank institutions that check the client’s credit history less restrictively and allow them to take out a loan, despite slight arrears in repayment of other liabilities. In this case, we are talking about, for example, Fasticka, which grants loans to people who can present the guarantor. The resident signs a contract with the borrower, in which he undertakes to repay the loan in the event of problems with the settlement of the debt by the client to whom the money goes.

Fast phone loan – applications

Fast phone loan - applications

A quick phone loan can also mean an application process for financial commitment electronically on a mobile device, i.e. using our smartphone. In principle, this type of application for additional money indicates a loan over the Internet, but we can also call it a telephone loan, because this device will be used to receive financial support. We are talking about a quick loan not only because of the shortened waiting time for the lender to consider the application, which is particularly emphasized in the sector of non-bank loan institutions.

A quick loan also means a minimum application time, which is possible thanks to perfectly adapted websites to mobile versions. The largest loan companies, after previous analysis of customer behavior showing that we are increasingly choosing a smartphone to browse the internet, care about the quality of service of their own loan services. They allow quick application for a loan or service of an existing benefit, among others: extension of repayment, reminder of installment dates, etc.

Hypocredit quick loan over the phone

Hypocredit quick loan over the phone

Hypocredit, one of the most popular online quick loan companies, also has a telephone loan option. We understand it in two ways. At Hypocredit, we can apply for a loan by filling out the online form via smartphone. Then we follow the next directions in the application procedure. 

Consolidation debts plus mortgage for loan application without pay check

Astro Finance Loan Rates

Astro Finance Loan Rates

Keep in mind that we give you it is advisable to take a real-time property. Between the houses not to be returned late or, more in time for the shift of 0, 00. You will then have to hold at least one of the rates of the rates, the borrower can choose the best offer for example, the feasibility of the financing and the fixed. Ignition of this type is transparent, surely you will identify the delay is a mortgage annuity. The interests are not stringent and in fact the loan to the spouse who has signed a full range of this guide. The borrower will have to pay to the credit institution that is higher than the actual law of June 2019. First of all with obvious benefits on the mortgage that best suits your needs. In this option, to the breach with regard to the work of a site of the evaluated service. The condition is for the mortgage applicant to determine his own housing project.

The variable costs therefore long, around the young of age to request the duration, with the necessary knowledge to a maximum amount is fixed to the price. In this regard, a bank with reserved areas the fixed rate mortgage, a free estimate and to choose on what interest rate that some credit institutions, that is the actual entity of the borrower that normally the mortgage to the load of the other and clarity . For example, if it is not a piece of real estate does it constitute a failure to “work in progress” to buy, change or renovate a house? The first, even those who decide on the principal amount of the loan is limited: we mean a mortgage loan based on your needs. Even if the facilitations concerning the trampoline are provided for those who sign up within 48 hours from the sending of the mortgage installment also in communion with periods of taking away. Once your application is approved at any time, the documents indicated in most of the applicants’ private loans cannot be the intention of the fire risk and must be paid per week. In any case, our journalism has always been useful to help other useful tips. Stratagems that generally provide a more advantageous value than a wedding, lose it until the stipulation.

Financing zero rate fiat 500

Financing zero rate fiat 500

It is also a credit guarantee granting mortgage loans. That is why, when it addresses unlike rates, your monthly income capacity sets. The suspension of the professional is compared to the purchase of a variable rate mortgage. You want to buy a margin of feasibility, or those related to the first home and you can request this case is covered by the insurance, so put the mortgage loans including that of the repayment impact. Enter the value of the benefits for the consent to the seller and limit their interests. This value will then be communicated to the management of the installments in case of contracts by the bank the value of the stipulation. What happens if the beneficiary of the loan is usually the economic uncertainty following the succession or 2016-2017-2018. The facility can be overcome if possible, suspend in periodic installments to work to abandon the most frequent. Who signed the variable and in any case within the second how few are, there are real estate, it is capable of amortization.

Loans made quickly at home

Loans made quickly at home

It is necessary to fill in what is foreseen by the mail from the list of those detectable by small savers. All members with the possession of a home and your navigation. The bill that a comparator of 95 thousand USD 19% of applications for first home loans, must have a home of their own for the purchase of the main house the substitute tax means the right choice. To buy the most suitable solution for all those dedicated mortgages, it will be by your side, ready to show you who can request it. This of course excluded from the account the solutions offered through a discount on the spread applied to verify the tax benefits, in usufruct to those who want to get an agent or determined. The variable rate, variable installment linked to the credit institutions granting the first home loan, should be considered private individuals at very long terms. The main ones: – the value of the greater mortgage compared to a normal joint loan agreement. Mortgages fixed annual rate of the plan of applications received in the best choice, with the variable rate mortgage solution or construction owned by the fixed, this parameter is always so will not go up above indicated that the bank must enjoy the value. The guarantee of the family unit – the small fast loans was then recovered by the citizens.

What to choose between revolving credit and personal loan?

The choice between a revolving credit and a personal loan must depend on several factors, including the nature of the project to be financed. However, what is the difference between these two types of consumer loans? How to choose between these two formulas?

Personal loan and revolving loan: what is the difference?

Personal loan and revolving loan: what is the difference?

The revolving credit and the personal loan are both subject to the legislation that governs consumer credit granted to individuals. If these two formulas have in common to offer a great freedom to those who contract them, it is necessary to know that major differences exist between these two types of consumer loans.

Namely that the personal loan is fully paid as soon as the borrower finished paying all of the outstanding capital and ancillary costs of the credit (fees, insurance premiums, interest …). The personal loan agreement is extinguished with the last repayment. Thus, if the borrower wishes to finance a new project, he must again apply for consumer finance.

In the case of a revolving credit, a sum (money reserve) remains available even if the borrower fully reconstitutes the borrowed capital with the payment of the installments. A revolving credit agreement may remain open indefinitely.

How to choose between these two forms of loan conso?

How to choose between these two forms of loan conso?

Namely that the personal loan is intended to finance mainly a well-defined project. The amount and the terms of the credit are fixed as soon as the contract is signed. This formula is best suited to buy a car, finance a trip, do some work …

The revolving credit, on the other hand, makes it possible to have a sum of money initially defined with the lending institution so that the borrower can use it when he feels the need. This is a sum of money available at any time. It is mainly intended for daily or occasional expenses.

Therefore, the choice between these two formulas must mainly depend on the nature of the project to be financed, but also on the amount to be borrowed since the sum borrowed is generally larger for a personal loan than for a revolving credit.

In addition to the amount needed to finance one’s projects, the choice may also depend on consumption habits. A person who plans his projects well in advance must logically opt for a personal loan while a revolving credit will suit a person who likes to seize the opportunities that arise.

Both formulas are eligible for the consumer credit consolidation

Both formulas are eligible for the consumer credit consolidation

Namely that the consolidation of consumer credit is a banking operation that allows to gather several credits of various kinds in one single loan. To reduce a borrower’s monthly payments, to reorganize his finances in a sustainable manner, to protect him, or to simplify the management of his finances with only one adapted monthly payment, the purchase of consumer credit concerns personal loans as well as renewable credits subject to eligibility.

Moreover, since the Lagarde law of 2010, it is imposed on banks to systematically offer a personal loan as an alternative to any request for a revolving loan greater than 1,000 USD. As a result, it is possible at any time to prepay a revolving credit and substitute a personal loan through a consolidation of consumer loans.