My WordPress Blog Thu, 21 Mar 2019 02:22:59 +0000 en-US hourly 1 A Consolidation Loan, A Proposal of Banks for People who Already have Loans Thu, 21 Mar 2019 02:22:59 +0000

Currently operating in our country have a lot to offer customers. Various loans are very popular for those who need an additional cash injection for some reason. Unfortunately, sometimes it happens that we have more than one loan on our account. And then the total amount of installments can really be very large. Is there a way out of this situation? What should you do to avoid even bigger financial problems?

A solution to your financial problems

A solution to your financial problems

The solution to the situation turns out to be a consolidation loan, which today offers the majority of banks to its clients. It is addressed to all those people who have to pay more than one installment each month. What is consolidation about? What makes it easier?

The money from the consolidation loan is used to repay the debt that already exists on our account. So we can repay a housing loan, cash loan, mortgage loan. The repayment of your personal account debt also comes into play. As a result, we no longer have to repay the installments of these loans. However, it must be remembered that we have a duty to repay the consolidation loan installments. Many people will ask here what gives us this solution since we still have to pay back the installments. The thing is, there is only one installment after the consolidation loan. So you do not need to think about whether you have not forgotten any of them. This is a really good solution. What’s more, the installment is often lower than the sum of installments that we have paid so far. As a result, our home budget is significantly reduced.

When deciding on a consolidation loan, one must remember that spreading the loan period for a longer period always translates into the need to pay higher interest rates to the bank. Therefore, all those who have several loans to their credit should seriously think about whether they are not able to pay the repayment of their existing obligations. A consolidation loan should be treated as a last resort, which works when there is no other way out of the situation.

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Credit-independent installment loan Tue, 05 Mar 2019 04:29:54 +0000

What is a credit rating-independent installment loan? What is the difference to other loans, who should use it? When is it better to rely on one’s own credit rating? These questions are answered by the article and explain in simple words what really matters.


A credit rating-independent installment loan – what exactly is it?

The term “credit independent loan” does not initially mean that the applicant does not have to have a credit rating. Creditworthiness is the basic requirement of every credit decision. Who has a negative entry in the Private credit, does not get this credit. Likewise, the basic ability to pay is a prerequisite for approval.

A credit rating-independent installment loan is a normal installment loan. He will appear in the search results of the credit comparisons ever further back. The reason for this is that the credit rating for the approved loan has no effect on the interest rate. The interest shown is fixed-rate interest and thus slightly higher. Extremely low interest rates, which are granted for a particularly good credit rating, which influence the display results. So it comes to this sorting.

The difference between the loan offers.

The usual form of the installment loan is dependent on credit. Simply put, the creditworthiness of a person is determined by his or her job, age, payment history and income. For creditworthiness-dependent loans, the credit rating is assessed individually. The valuation result is the decisive factor for the interest rate offer. For example, one borrower from the same provider has particularly favorable interest rates, another has to pay more interest for the same loan amount.

A credit rating-independent installment loan offers the standard rate of interest for all borrowers. These loans are offered primarily as a small loan and as a trade credit. The sums are usually limited. For example, the simplified credit check procedure is often appropriate. The credit rating is then not determined individually. In this procedure only the basic creditworthiness is checked – a sufficient income and the Private credit Only with larger loan sums the normal examination of the borrower takes place.

For whom are fixed-price interest and for whom not worthwhile?

A credit rating-independent installment loan - what exactly is it?

For small loan amounts nobody has to look so closely at the interest rates. The department store loan with a fixed interest rate is therefore an adequate credit option for everyone. It is different with a bit higher sums. In this case, a credit rating-independent installment loan can become more expensive for people with particularly good credit ratings. If you have a very good income, for example judges, you should rather trust your credit rating.

Virtually no disadvantages exist for the majority of citizens. Your credit rating is in the midfield. There is virtually no savings potential in interest rates. The advantages come from a credit rating-independent installment loan for all borrowers whose credit rating is lower. As a profession, small entrepreneurs would be an example, but even lower-income earners benefit from the fixed-rate interest rate.

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Payday Loan Consolidation: Personal Loans Transfer of the Fifth Tue, 26 Feb 2019 08:24:34 +0000


 The right loan for you is our corporate mission, which means that all our efforts are focused on getting you the financing that is tailor-made for you just like a suit that suits you.

That the installment is not too high so that you can always pay it in order not to incur reporting to the end-to-end knowledge company and in credit information databases

Your Projects

That the amount of the loan allows you to use that money to realize all the projects you have in mind, both for yourself and for your family

Less problems

Do whatever is in our power to evitar you any kind of problems and bureaucratic hassles because we try to solve everything ourselves

We listen to you

We LISTEN to you: you are not a number for us, a cold sale or production or a chicken to pluck, you are for us: with your dreams, your ideas to realize, your sudden expenses, your family, your lifestyle. To advise you on the right loan for you we must know you beyond the sheets of paper to be filled in, over your tax code and your personal data.

For example, the best financial product is different if you are a pensioner who asks for a loan for your health care expenses or for helping a grandchild to study or to make the first cruise of his life after decades of hard work. A loan for a car is different if the car is the only means of transport of a large family or if it is purchased only for the pleasure of having an off-road vehicle.

All information about you is important for us to better advise you, this information should not be included in the loan application sheets, but help us to propose the best solutions for you. Only you will decide what information about you to give us!

We help you to RIPAR ARE THE DAMAGES OF LIFE: unforeseen, health problems and work, requests for help from children and grandchildren are for everyone in the daily agenda and often the resolution costs : it is necessary to have the money to invest in a new project or to buy a new car after an accident or for health problems (an appliance for your child, new glasses for your parents).
We do not sell cars, nor furniture, nor are we dentists, we try only to give you the best possible tool that allows you to have the financial means to do as much as possible what you want.

The Right Remedy

THE RIGHT REMEDY FOR YOU: imagine having to go to the wedding of a relative of yours or a friend of yours, you need a beautiful dress, elegant and fashionable. Imagine also being able to spend for your robe (shoes and accessories included) everything you want and to be able to enter a boutique by itself. You can try a hundred clothes and match them with shoes, belts, ties, bags, jewels. Well! In the end you are a true splendor!
Now imagine entering the same boutique with a person who is a tailor by trade. Try your first dress. “Carino” tells you the tailor “But it’s a fault on your shoulders and the color is not right, it’s not good… try this” Enter the dressing room you change and wear the dress that your tailor has advised you. You look in the mirror. In 99% of the cases the tailor is right: you are much better with the dress that has advised you, but if you want you can also decide to buy what you had chosen.
We are the tailor of your loans and your loans!
We are agents in financial activities, credit professionals, which means that thanks to our work we know every aspect of a loan : the rate applied, the legislation and the rules, the debt insurances… all these professional knowledge allow us to give you the advice best.

Thanks to our experience we have solved the various problems that our customers have submitted to us, for example we have solved the financial problems of those who could not get to the end of the month for too many installments, or we managed to give a loan to those who work in small companies or we have realized the dream of an eighteen year old to go to study abroad helped by parents. We know various realities and scenarios of life of our customers that every time we personalize for every particular requirement of our customers.

Consultancy in the choice

Often there are various solutions to solve the problems of our customers: loans with multiple installments, loans with different interest rates, different amounts of credit. Once we have illustrated all the possible solutions, we try to understand together with the person what is the best way to go, not only at the moment, but also in the long term. We believe that the loan is a tool that should help people to cope financially with the solution of problems, unforeseen and / or the realization of dreams and that should not become a boomerang that in time gives problems, creating debt on debt and interest on interests.

No Over-indebtedness

It is not uncommon for us to come to people who can no longer cope with the installments of loans, loans, mortgages (for home or consolidation) lit only a few years earlier. Is it all the fault of the crisis? Of the closure of the company? They could not manage the money well?
In most cases the answer to all these questions is absolutely no!
The underlying problem was the mistake in the first financial product that was not tailored to that customer. Taking again the example of the tailor-made dress of a few lines above, it was not taken into account that the customer was a growing boy and therefore we would have expected that within a few years the dress would become short and tight! Or a beautiful silk dress was made for a mason. How can silk resist the wear and damage of a building site?
We believe that the loan should be chosen not only for today, but also for tomorrow, for the future and therefore should never become a burden on the budget of the worker or family.
The products we offer and all our estimates contain figures, the amount of installments for accuracy, which we believe can be paid every month without affecting too heavily the family budget. You can not put a mother in the position of having to choose between paying the installment of a loan or shopping for dinner!

Customer at the Center

For us you are important and we try to prove it not only with words, but also with facts. Customer satisfaction is essential for us.
When we have to make your estimate, we first think about the right financial product for you (the capital to be paid, the amount of the installment, the duration of the loan, the most convenient interest rate…) and based on what you ask we build funding proposals that can help you without giving you any side effects in the future.
We try to give you the widest possible choice so that you, with our professional advice, decide.
For any aspect of the operation, for any information and in case of doubts we are always at your disposal.

Sole Consultant

Our company policy is “a customer, a consultant”. This allows you to always talk to the same operator so you do not have to summarize the course of your practice every time to a different person.
Your personal consultant knows both you and your story that all aspects of your practice for this can quickly find all the answers and information and keeps you updated in real time on your process, from request to the provision of credit.


All agents in financial activity must take an exam certifying their knowledge on all aspects of a loan or a loan: all the national banking bodies such as the end-to-end knowledge company, privacy, the bureaucratic procedures to entertain relations with banks and obviously all legislative aspects concerning consumer credit.
Once passed this exam, the agent has the obligation to register with the OAM which is the Italian body that controls all the work of the credit counselor. Particular attention is given to the control of possible scams, this to prevent them as much as possible with an effective preventive vigilance.

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