Archives June 2019

Apply for Loan Online

The Internet is probably considered the most basic invention of the last 20 years. The changes are enormous and did not stop at the financial market. So it is now easily possible to open a bank account from the home PC and to use online banking from there. This also brought to the fore the banks that did not go far enough for this service. Finally, the individual banks could assume that the Internet also reduces barriers and people more readily to complete a loan application. That may well be the reason why so many lenders offer the opportunity to apply for a loan online. However, not only German banks are involved, but also foreign financial institutions and private individuals are included.

There are various ways for German banks to apply for a loan online. For example, the applicant has the option of agreeing only on a consultation meeting over the network. However, there is also the possibility of going through the whole process of applying via the network without using any form of personal contact. Anyone wishing to renounce personal contact with the clerk must send the required documents for the application by post to the bank. The German lenders inform on the corresponding website about the possibilities to apply for a loan online.

The offer of direct banks

The offer of direct banks

For foreign banks, the option to apply for credit online is a standard offer. The corresponding background is explained quickly and plausibly. Most of these credit institutions are based in another country and therefore act as a direct bank in Germany. These are banks that operate exclusively on the Internet and do not provide stationary offices. This means that these banks can not offer face-to-face counseling and that banking is handled exclusively via the network. Accordingly, the option of being able to apply for a loan online is part of the standard program for direct banks. Of course, there are also exceptions with regard to direct banks, which offer their services both in the network and in stationary branches. However, these banks usually also offer the option of applying for the loan online.

Online credit also possible via private individuals

Online credit also possible via private individuals

If you want to apply for a loan online, you can do so via private individuals. Because in the meantime many private persons appear in the net as lenders. Their ambitions are defined by investment opportunities, or interest income, which results from the loan agreement. This option is being exploited by more and more platforms in the network, which bundle both supply and demand and bring both parties together in this way. To what extent a personal contact with a clerk is required then depends on the respective lender.

The rapid processing of loan applications

The rapid processing of loan applications

As a rule, the loan is needed immediately. Because a borrower is usually dependent on the sum. That’s why online loans are an attractive opportunity for many people to get cash quickly. At least, those concerned usually hope for a quick payout of the loan amount because they expect a quick processing because of the low effort. But how fast does the processing really take place and how long does it take to get online until the loan amount is on the account? Although the loan application does not take minutes or hours, in some cases a few days are crucial when it comes to receiving needed money. In addition many banks promise a fast processing of the loan applications.

However, the desired rapid processing only works if the applicant acts quickly and cooperates immediately with regard to the conditions. This means, for example, that the required documents have to be sent quickly in order to speed up the processing. These documents include the copy of the identity card, the last three proofs of income, current VAT returns, the Post-Ident, the completed loan application, and relevant collateral document. Only if these documents are received quickly and completely at the respective credit institution, a quick processing can take place.

Conclusion – That’s right

The Internet hosts a large number of lenders, which offer the possibility to apply for a loan online. In this way, the loan can be applied for without a conversation with the clerk, easily from home. Applicants should conscientiously cooperate and provide copies of the required documents to be sent to the lender as soon as possible in order to facilitate processing.


Securing the consolidation of your credits – debt consolidation

To cope with unexpected expenses or to try to improve their way of life, some households choose to subscribe to several credits. Securing the consolidation of your credits is important! However, even though subscribing to several credits may, at some point, make it possible to realize various projects, this choice can have negative repercussions in the long term, especially if the borrower does pay periodic debts. In this type of situation, households in difficulty can choose to pool their loans.

Realize your debt consolidation in good conditions

Realize your debt consolidation in good conditions

debt consolidation is a financial transaction that does not succeed at all costs. For it to be successful, the debt consolidation must be done in good conditions. The first step to succeed in securing your consolidation operation in the best way is to estimate your needs. To do this, an establishment of its monthly budget remains necessary, in order to determine exactly which charges are too heavy. It is advisable, to establish its monthly budget, to make a balance of its expenses and its monthly incomes.

A monthly payment adapted to his financial capacities

A monthly payment adapted to his financial capacities

This kind of balance sheet will allow the borrower to see more clearly about the type of loan consolidation that offers a monthly payment adapted to his financial capabilities. Remember to take into account all the credits that you have in progress: personal loan , home loan, work loan … This will make it easier for you to direct you to a grouping offer adapted to your current credits.

In the case of a combination of different types of loans, for example consumer credit, revolving credit and a personal loan , we are talking about global debt consolidation.

A bundling of credit in Belgium

A bundling of credit in Belgium

 The ideal way to find an offer that meets your needs is to use the services of a professional. A bank advisor can be of great help in offering you offers that can be closer to what you are looking for. Even better, if you want personalized support, consider using a broker or brokerage agency. A broker may act as an intermediary between you and a credit union. You know more about “Securing debt consolidation” now.


Loan without creditworthiness from Switzerland

From a credit without credit rating from Switzerland is usually then when the borrower has a negative private credit entry. Although the private credit entry does not play a role in this loan, it nevertheless has to have certain collateral if the borrower wants to receive money in this way. If these conditions are met, the loan will be approved within a few hours.

The conditions for a credit without credit rating from Switzerland

The conditions for a credit without credit rating from Switzerland

As already mentioned, such a loan only makes sense if the borrower has a negative private credit entry and was therefore rejected by a normal bank. The security these banks demand from Switzerland is a regular income. If you do not have it, you will not get any credit from Switzerland. Even if it sounds tempting at first sight, only a part of those interested in credit can resort to this possibility. The workplace must be permanent.

Anyone who only has a temporary contract is also out of the question for a loan without creditworthiness from Switzerland. It is also important that the employee has already had this job for one year and no dismissal is imminent. Another criterion is the minimum income. This may not be less than 1130 euros for single people. If all of these requirements can be met, the amount of the loan is normally € 3500, which must be repaid in 40 monthly installments.

Another downside is that the cost of a credit without credit rating from Switzerland are higher. Credit institutions can of course pay for the higher risk this way. Here, of course, the question arises whether there are not other ways to get a credit without credit rating.

Even German banks forgive a loan without private credit

Even German banks forgive a loan without private credit

As the credit without creditworthiness from Switzerland imposed on the borrower quite tie up, of course, the question arises, if there are not other options. Basically, domestic banks will always make a check on private credit. When the interested party signs an application, he also gives his consent to a private credit inquiry. This does not even delay the payment of a loan, because that happens online and the result is within a few minutes. If there are no problems, then the customer does not even get it. If the result is then, then the bank clerk decides what to do.

Often, such a loan is simply rejected, but it does not necessarily have to be. If anyone knows that there will be problems, he can explain the situation to the case officer, and if he can make it plausible that he is solvent and willing to pay, then the institution may approve a loan application. Of course, there is no guarantee for that. A short search on the Internet can clarify in advance, which banks are more willing to and which a private credit see very closely. If you ask the internet before, you can often save a long search.

If all else fails, it often helps to put a guarantor. This must guarantee the repayment of the loan and if the debtor should have payment difficulties, then the guarantor must step in. Of course, it is imperative that the guarantor has a very good credit rating. Nevertheless, it may happen that the bank refuses the guarantor. This often happens when the guarantor and the borrower are too closely related.

Take a loan from a guarantor

Take a loan from a guarantor

If a credit without creditworthiness from Switzerland is not possible or due to the small loan amount does not make sense, then a personal loan can help. The possibility to borrow money from a friend, friend or relative is available as long as there is a means of payment. But even with this way, it makes sense, if both previously set up a contract. Often only very low interest rates are due. Not always is a good friend handy, but there is the internet. There, borrowers and lenders meet on specific portals.

Here everyone can get a loan, even without the private credit too much comes into play. Of course, the issues of creditworthiness and collateral also play a role here and only the one who has a good chance of getting a loan, who to play with open cards. Who denies the problem with the private credit in the past, who will hardly get a loan, because a short demand at the private credit brings the problems immediately to light. The bigger chances are to speak openly and honestly about the problems.


Loan request rejected private credit bureau

Credit rejected because of credit bureau: You can do that

Credit rejected because of credit bureau: You can do that

Not infrequently a loan request is rejected. credit bureau information with negative content is an important reason for refusal. Affected creditors then ask themselves whether it is still possible to obtain credit.

The collection of the credit bureau information is standard in credit decisions. Virtually all banks and savings banks in Germany are credit bureau partners. Germany’s largest credit bureau has stored well over 800 million data on almost every adult German citizen. Negative credit bureau characteristics almost always lead to credit rejection.

Was the credit bureau information correct?

Was the credit bureau information correct?

If a loan request is rejected because of the credit bureau, it should first be checked whether the credit bureau information is actually correct. Given the amount of data, it’s quite common for data to be outdated or corrupted. Sometimes data is misclassified because of name confusion. In principle, consumers are entitled to error correction – even before the usual data deletion deadlines have been reached.

This can be determined by obtaining a credit bureau self-disclosure. It can even be requested once a year free of charge. With a “clean” credit bureau, the credit outlook is usually much better. Otherwise, the only option is to wait until the negative credit bureau features are automatically deleted. This can take longer depending on the entry. Many negative features have three-year periods. For consumer insolvency proceedings, it takes six full calendar years.

Loans without or in spite of negative credit bureau

Loans without or in spite of negative credit bureau

Many credit seekers are waiting too long. Often a financing is needed urgently. A solution promise credit brokers, the “credit without credit bureau” or “credit despite negative credit bureau” in prospect. These offers are not always, but often dubious offers. They should therefore be examined particularly critically.

For reputable intermediaries are mostly foreign lenders behind it, who are not credit bureau partners. Often people talk about “Swiss credits”. Sometimes lenders are also willing to lend if there are negative credit bureau entries that are not that serious. Even with such loans, however, does not waive a credit check. It is often even stricter because the credit bureau security is missing. The loans are limited in amount or duration and usually more expensive than the conventional way.

Beware of dubious offers

Beware of dubious offers

Dubious deals often do not even pursue the intention of lending. This is about earning the loan request or unfavorable and overpriced paddock products that are being closed for the loan. Therefore, be careful if there are already fees to pay for the request or additional products before a loan is paid. If a loan request is rejected, credit bureau cleanup and wait is certainly the better way.


Loan for military of the navy of Brazil

Loan for military servicemen – At the moment when a loan application is made, the financial profile of the borrower is analyzed, this is known to all. But in some cases, there are factors allied to this social profile that can determine the type of credit to be granted, such as the profession for example. There are credit arrangements that are specific to certain types of people.

There are loans for the liberal professions, credit lines for health professionals such as doctors and nurses, and loans for military personnel, these are specific to those who perform military functions in the Navy, Army and Air Force and security forces.

Loan for Navy Military

Loan for Navy Military

In Brazil we have some banks and financial institutions operating with this modality, an example in the market, is Banco Intermedium, for military offers advantages like loan without consultation or guarantor, longer terms, ease in the concession and agility in the release of resources. The loan for sailors is granted in the consigned form (it is a type of loan that the values ​​of the parcels are discounted directly in the salary of those who made the contracted one, and as a consequence of this, the interest is usually smaller than in traditional personal loans).

On the Intermedium bank website, there is the possibility of making a simulation of the loan application to the military without complication. So that the reader can have a notion of how payroll is advantageous with this bank, and that really works, we did a hypothetical simulation.

In our request, the naval officer would have requested a payroll deductible loan with a discount of R $ 1,000. In this case, payment can be made in two ways: in 36 installments of R $ 38.35 or 48 installments of R $ 31.66. After choosing the proposal, the next step is to fill out a form with personal data and finalize the simulation.

Where to find, what is the loan term for Navy

Where to find, what is the loan term for Navy

There are many fintechs and credit counseling that also makes available to its military loan clients for the Navy, Army and Aeronautics. These companies also make the loan for retired military. The age limit of the person who can apply is 80 years.

The loan details that the marketplaces and credit platforms present to the military are: immediate credit – in this line the value of the loan is deposited directly in the military’s current account or with payment order, has a term of 48, 60, 72 and even 96 months for the navy and army to repay their loans.

What is the interest and heat released on the loan to military seamen

What is the interest and heat released on the loan to military seamen

There is no bureaucracy, it is without consultation to SPC and Serasa, that is, Credit Protection. The interest rates are from 1.5% per month and the loans can be made from the value of $ 175.00 up to $ 50,000. The deadlines for the payment of the loan for military personnel are fixed, but the choice of deadlines is flexible.

To facilitate the loan application process for military of the Brazilian Navy and Pensioners, access the Military / Pensioner Consignment Portal to simulate and choose the best loan option. After confirming your choice, reserve part of the assignable margin in favor of an Entity of your choice.

Buy the loan for the military

Buy the loan for the military

Even with the advantages that the loan for seaman, for military of the Army or Military of the Aeronautics offers, before requesting the hiring, it is good that all the conditions of the operation are analyzed and also other modalities of loan for comparison. This type of operation allows for refinancing and early settlement. The lowest market interest.


Intelligent personal loan and cheap paycheck

Simulator loan smartly is an online site that promises to lend money at lower interest rates than the current competitors who vie for the credit market using web tools as a means of attracting potential clients. simulator site as well as others on the Internet are debuting on the Brazilian web.

A simulator – personal loan and online payroll

A simulator - personal loan and online payroll

The site is at www.simulator.com.br – at this electronic address it is possible to obtain personal loans starting from R $ 2 thousand up to R $ 35 thousand, which can be paid in installments with terms of one to three years, interest rates vary between 1.90% and 5.02% per month. Like the Trigg personal loan of the OMNI Financeira, the simulator loan acts as the bank correspondent only for Banco Bracce.

How does the simulator loan work ? The process is simple: You first need to access simulator’s website, it is completely intuitive, select the value you want, choose the values ​​for the simulation and to finish the process, you select the purpose of the loan. Once this is done, simply fill in all your personal data that the “simulator loan” website system returns with a credit proposal.

Once knowing the terms of the loan and the amounts that you will pay, term and everything, just complete. To close the contract, request online that they send as soon as possible. The dilemma of the simulator site is the deadline for release, if you are in a hurry, forget, the release takes place within 10 days.

In addition to waiting almost 10 days, the applicant still runs the risk of not having the loan approved, but if approved the money will fall directly into the current checking account. To do all this the client does not even have to leave the house, unless he does not have access to the Internet at home, lol.

Is simulator Loan Reliable?

Is simulator Loan Reliable?

Of course, the company follows all the guidelines imposed by regulatory agencies. In addition, the site has https // protection of banks and large financial institutions, that is, all information is encrypted, only they have access to your data. Another important detail is the number of complaints in sites of the type reclamao and reclameaqui, practically does not have.

simulator has in its site pages of privacy policy and terms of use that leave specified its conduct in relation to the data that you provide in the site and how they use that data. So we can say that simulator is a reliable and secure site.

The payment of the requested and approved personal loan can be done using the ticket or the more practical, debit account. To apply for simulator’s smart loan, you must be over 18 years old, have your own checking account with any financial institution and present proof of residency.

simulator loan conditions

An uninteresting detail is that simulator charges a service fee of 5% if the value of the loan is granted. According to the company’s representative, Reiss, this 5% fee is charged to cover the use of the platform and cover operating costs for the loan (actually it is commission).

Does simulator make consignment loans too?

The new modality provided by simulator, the payroll loan, offers interest rates more competitive than the other types of credit, starts with 1.8% per month. Those who need small or large amounts will not find it difficult, on the contrary, they can take payroll loans from R $ 2,000 to R $ 80,000, according to the margin of the retiree or the pensioner.

The process is all done online, which in addition to giving the client much more practicality, also eliminates the risks thanks to negotiation done directly on the platform. simulator’s payroll loan is being tested since the end of 2017 and is ready for the public. The service was specially designed for retirees and pensioners of INSS, even for those averse to internet.


Loan without advance payment

In Germany, the banks always carry out a private credit inquiry before granting a loan. If there are negative entries, this usually leads to a rejection of the loan. In the case of a loan through a bank in Switzerland, on the other hand, there is no check by private credit, which does not include an approved loan in the private credit. Nevertheless, certain conditions must also be fulfilled for a private credit-free loan. Thus, the borrower must have been in a permanent and permanent employment relationship for at least 12 months.

For this, a sufficient income is needed, which must be above the attachment exemption limit. In addition, the private credit credit can only be applied for by persons over 18 years with a permanent residence and job within the Federal Republic of Germany. As a further requirement, a German checking account is required. Anyone who meets all requirements can apply for the loan directly via the Internet.

Pay attention to credit without advance payment

Pay attention to credit without advance payment

Although most credit intermediaries work very seriously, there are some black sheep among them. These are usually recognizable by the fact that the placement commission must be paid in advance. In many cases, however, there is no provision of a loan after payment of the commission. In many cases, these intermediaries also offer loans for the unemployed or recipients of Hartz IV. However, since a private credit-free loan requires a permanent employment relationship, these are always dubious offers. This also applies in the event that the credit intermediary makes the approval of the loan dependent on the conclusion of an insurance policy or a home savings contract.

Apply for credit without advance payment online

Apply for credit without advance payment online

To apply for the loan, it is sufficient to complete the corresponding placement order of a credit intermediary online. If all prerequisites for the loan are met, the customer usually receives a loan offer by e-mail. Upon acceptance of the offer, the loan agreement will be sent by post to the borrower. He then only has to sign the loan agreement and send it to the bank with the required documents. The payment is then usually postable or, if desired, by bank transfer to the checking account.


How To Ensure Better Loan Negotiation

Ensuring the best online loan negotiation or loan in the store helps to save a good exchange. According to the latest statistics, in the last quarter credit analysts and economic monitors showed an increase in the number of consumers of secured loans, personal and payroll loans, as well as increased demand for credit cards without consultation.

Although our economy is fragile, many have committed to financing and credit of all kinds to momentarily supply their financial problems. But we all know that it is always good to avoid debt. However, the reality is that the vast majority of Brazilian citizens are likely to take on debt at any given time, whether now or in a future time.

Although acquiring a personal loan may seem to be the best way out of a financial crisis or to just cover large expenses, long-term liability should not be taken irresponsibly. ” If a loan is not well-negotiated and managed, it can have a negative impact on your finances and credit history, as well as your next credit applications.” For this reason, it is important to be aware and thoroughly analyze all the details of the type of loan chosen and the interest of the transaction.

The best loan negotiation

The best loan negotiation

Get your loan at an institution authorized by the federal agencies and central bank. Never do business with a credit institution that is not authorized to provide credit , no matter how attractive the offer may seem, since they do not follow the mandatory laws of the financial market, just like all financial institutions and banks. In addition, they tend to charge higher interest rates and illegal rates.

Tip : The first and best choice when thinking about getting a personal loan is to go to your retail bank, the institution will better understand your needs and indicate a satisfactory solution. ” Review carefully to ensure the best loan deal. There are still options to look for legal professional and financial moneylenders like the crefisa that releases loan for negative, however both have high interest rates.

Once you have started the loan quote process, you have up to five days to accept or not to negotiate. In general the quote, terms and conditions will stimulate all loan details such as: loan amount requested, amount of installments, interest rate you will pay, loan duration, loan life insurance and charges, services and administrative fees. You will be fully responsible for paying the amount borrowed until the end of the loan.

” You need to be 100% sure that the loan you borrow will be the best option for your needs and that you will be able to repay it throughout the repayment term. Therefore, it is important to make a financial analysis of your funds . “

Protect Your Family With Loan Insurance

Protect Your Family With Loan Insurance

In most cases, your quote will include an insurance fee for loan, life insurance or lender, in case you can not pay your loan for death, disability or temporary or permanent reduction. You should be able to get that insurance through your loan lender but the choice is yours as to the question of whether you wish to avail of an external insurer.

Even if your loan provider stipulates the type of coverage needed for you, be wary of suppliers who want to force you to make a particular choice right away. You have the right to calmly and clearly analyze your loan negotiation to the expiration date.

Advance loan payment

Advance loan payment

If you are in a position to repay your loan in advance , contact the bank or financial institution and ask for the boleto or discharge letter. Authorized banks and institutions do not charge penalties for prepayments of the loan. Just like in the initial quote of your loan, the lender will give you a certain time to carry out the discharge of the loan if you do not pay it in this period the balance may change.

Remember that it is not advisable to apply for a personal loan to cover the costs of goods and travel. Instead, think of a loan negotiation to meet larger expenses such as home renovations that in the long run will add value or perhaps make a student loan to improve your education.