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How do loan companies illuminate their clients?

On the Internet, there are more and more opportunities to check customers and an increasing number of companies use them, which also applies to loan companies.

Jak firmy pożyczkowe prześwietlają swoich klientów?

At the same time, on the financial market, also mechanisms are introduced that allow you to study, among other things, the history related to clients’ financial liabilities.

Such tools include, among others, information in debtors’ databases such as BIK as well as BIG and KRD.

The less information the loan company checks, the obviously it is much easier to get funds in it. However, one has to take into account that there is a general rule that the less risk a financial company takes when granting loans, i.e. the more information about the client the company checks, the more favorable terms on which loans are granted can be counted on. This is due to the much lower risk a company takes when granting loans .

In general, most loan companies check information in debtors’ databases. However, in the case of BIK, loan companies that are not banks are not able to check information at BIK without the consent of the clients. However, more and more companies check information after obtaining such consent from customers, which is required at the stage of applying for a loan.

Formalities when applying for loans

Loan companies may have formalities in various ways, which must be met when you want to borrow money. They may request from clients, inter alia, various documents in the form of, among others, documents confirming employment or confirming income.

Of course, the formalities always extend the time of applying for a loan. If you want to get funds in the shortest possible time, it is worth looking for companies that offer their financial products with minimal formalities. The time of examining the applications after the delivery of the relevant documents is also important.

It is always worth finding out at once in the loan company what documents you need to have when you want to get a loan . This allows you to prepare relevant documents before submitting the application.

Documents checked by loan companies

In companies offering loans, information such as the indicated place of employment can be checked. Such companies request presentation of information regarding the telephone number to the company in which they work. Many companies may contact companies in which borrowers are employed when they do not require confirmation of employment. This allows you to check much faster if the person is actually employed.

At the same time, there are companies requesting confirmation of income. This may apply to both documents that are obtained by the employer and concerning permanent income under a contract of employment. At the same time, many companies only require the presentation of statements from bank accounts where the revenues constantly affecting the bank account are indicated.

This is a much faster solution, as you can of course get a bank statement in a much shorter time.

Real Estate: Going Around Assisted Loans to Reduce the Cost of One’s Credit

Despite historically low mortgage rates, it is possible to further reduce the overall cost of borrowing by going around the many credits at subsidized rates.

Devant une agence immobilière à Paris, en 2008.

Despite historically low mortgage rates, it is possible to further reduce the overall cost of borrowing through many soft loans. Put end to end, they reduce the amount of the monthly payment.

  • PTZ + (zero rate loan plus), reserved for new and old to renovate

The latest version of the PTZ came into force on January 1 and will be valid until 31 December 2017. The loan is for the acquisition:

  • a new home;
  • social housing sold to its occupants;
  • old housing in poor condition in one of the 6,000 eligible rural communes, under conditions of rehabilitation works.

It allows people who have not owned their principal residence in the past two years to benefit from a zero rate credit. Provided that it does not exceed resource ceilings.

These depend on the geographical area and the size of the family. For example, this year, to obtain a PTZ +, the 2013 reference tax income of a single person must be between 22,500 and 36,000 euros per year.

In addition, the amount of PTZ + is variable. It can only be used to finance 18 to 26% of housing, within certain limits: from 100,000 to 150,000 euros for a single person for example. Finally, its repayment duration is from 8 to 16 years, depending on the resources and the composition of the home.

  • Assisted loans, by profession or status

If you are an employee (or retired for less than 5 years) of a private company that contributes to one of the 23 inter-professional housing committees, you are entitled to a loan Housing Action (former loan 1% housing).

Accessible only to first-time buyers who want to buy their principal residence in new or old without work, it can not exceed 30% of the overall funding envelope. In addition to a ceiling of 7,000 to 25,000 euros, depending on the resources of the borrower and the geographical area. An amount that can be increased from 5,000 to 10,000 euros in specific cases (professional mobility, the purchaser under 30, tenants leaving the HLM park, etc.).

The housing loan is granted for a maximum of 20 years at a rate dependent on that of Livret A: it was 1.25% in 2014. To benefit from it, contact your company or the organization to which it pays contributions.

Civil servants and public servants benefit from the Real Estate Loan Official to buy their principal residence in new or old, with or without work. It is granted for a maximum of 15 years, provided that the funding envelope already includes a loan agreement.

  • Agreed loans, with a safety net

These loans are granted without a means test to all the people who want to buy their principal residence in the new one or the old one. Its maximum duration is 35 years. The rate depends on banks, it is capped at the rate of wear or in H1 2015: 4.57% for a fixed rate loan and 4.15% for a variable rate loan.

The advantage of this loan: the borrower can receive each month the personalized housing assistance (APL) paid by the Family Allowance Fund, provided that its resources allow it.

  • Loans from local authorities, variable according to a geographical area

Last possibility: depending on the region, the department, the agglomeration or the municipality where you live, you can obtain one or more small loans at subsidized rates, or in some cases a subsidy. Their amount very often depends on the borrowers’ resources, but also on other criteria (living in the city, being under 25, etc.).

In Paris, there is the 0% Paris Housing Loan, accessible, subject to resources, to all first-time buyers in Paris who buy their main residence in the capital. To benefit from it, a single person must have a reference tax income of fewer than 36,623 euros in 2015 (36,239 euros in 2014): he will then be able to borrow at a rate of 0% up to 24,200 euros over 15 years.

This type of credit help exists in many major cities (Caen, Marseille, Rennes, Saint-Malo, Toulouse, …), but also at the department level (the Hauts-de-Seine in particular). For more information, contact the housing department of the town hall of your place of residence.

Football: Deisler repays the earnest money

About ten million euros Sebastian Deisler has received a loan from Bayern advance. But because that brings in tax disadvantages, the Berlin has repaid the money back.

Vorauszahlungen, trust deposits, loans: The Bundesliga clubs are imaginative always been when it comes to successfully recruit new players. This was so in the past and will remain so in the future.
Spektakulärster case in this series was unquestionably Sebastian Deisler. As had been black proved by bank transfer nationwide visible to know that DM 20 million (10.23 million euros) signing bonus was paid to the player for a completed until 1 July 2002. Exchange, an outcry went through the soccer country. The pillory: the FC Bayern Munich.

Football: Deisler confirms the move to Bayern

The media echo startled players like club alike. Bayern general manager Uli Honeße finally admitted sheepishly payment as a “loan” to. Yet the matter is not over. Because Deisler will repay the conceded Bayern Munich signing bonus to his new club. Which reported the trade magazine Kicker on Monday.

Money repaid: Sebastian Deisler

Tax reasons were decisive for this step. Because the tax office you come at a “cash benefit”; is to say: There are taxes due.

“Although I am not a tax expert. But it is a normal procedure that a loan is repaid, “Deisler said tersely in Marbella in Hertha training camp. “Now I’m already hardened in this matter. But when the time came out with the loan because that was a shock to me. Which had deeply affected me? ”

AC is not in question

On the change of Hertha for Germany’s most successful repayment does not affect. The 22-year-old plays from 1 July 2002 for Bayern. Hertha conceded a committed fee of nine million euros for the coveted midfielder. Deisler contract runs until of 2006.

Deisler obviously transferred the DM 20 million (10.23 million euros), which he had collected from the World Cup winner last year as a “loan” for the change to the new season, of which Munich back. The question now is whether the Bayern transfer the money in other ways to the player.

Also, Kehl repaid the money

Deisler did in any case exactly what also international Sebastian Kehl had already made. For even the courted by Bayern Kehl, who is now at Borussia Dortmund contract had a signing bonus in the amount of 1.5 million marks from the Munich (767,000 euros) conceded.

The ex-Freiburg also had – including interest – returned to Bayern. Then Kehl but not moved to Munich but hired to the annoyance of Munich in Dortmund. Hertha manager Dieter Hoeness held in the training camp in Marbella, Spain Berlin covered: “I did not comment on the payment and will therefore not comment on the repayment.”

DFL castigates practice

However, the German Football League (DFL), adopts a clear position. As “reprehensible and absolutely wrong” evaluates Heribert Bruchhagen, DFL director’s operation, the common practice is that “players are already taking in the current season money from their future employers in receiving.”

But as the DFL wants such agreements, mostly negotiated behind closed doors and decided to protect? Locks or fines is talk. But the history of the Bundesliga has shown one thing: These machinations and methods were almost never to stop.

Payday loan debt relief -Payday loan consolidation could really help you

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Payday loan consolidation could really help you

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Today, thanks to the internet we are no longer limited by traditional forms of lending. In addition to some lenders that offer even more creative types of financing, for instance, merchant cash advances. This unique technology provides you with the money you need. An individual installs their credit card control system, and they take a proportion of all your credit card sales loans. The total amount is agreed upon in the agreement. No qualifying, no gift items attached, no fixed settlement schedules. When things are excellent, you pay more, when product sales are down you shell out less.

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Everything is pretty straightforward. These people tell you exactly how much they are going to progress you, how much it will cost as well as the percentage of credit card product sales they will use to pay off the particular advance. There are no impressed. It is all on paper before you decide to agree to anything.

Choices As A Strategic Investment : The Risks And The Rewards

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