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How to negotiate real estate loan redemption

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How to negotiate real estate loan redemption

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Each institution – be it a bank or a loan company – is doing everything to gain the trust of customers today. On the other hand, they are still businesses that want to earn a living. Is the financial market changing and loans becoming more attractive and profitable than a traditional bank cash loan? What are the pros and cons of both solutions if we want to borrow money urgently? What to choose? Visit http://www.receptizakolace.net/payday-loans-extremely-bad-credit/ for a summary

For money only to the bank?

That was some time ago, when most loan companies were associated negatively with huge interest, unfair contract terms or ordinary fraud in the form of so-called a pair of banks, such as Amber Gold. Currently, everything is regulated by the anti-usury act and no self-respecting non-banking company offering loans, does not go beyond its law in Poland.

Today, regardless of whether it is a bank or a non-bank lender, each of them is trying to get the attention and trust of the customer. Not only an attractive offer, e.g. payday loans for $ 0, but also honesty and friendly customer service, available even on weekends. Of course, as you don’t know what’s going on, it’s usually about money and it is they that attract customers. The lower the cost of borrowing cash, the greater the demand for such offers.

Although there are still differences between the process of granting cash loans in a banking institution and a loan institution. In the first application for a loan is often a longer way associated with a number of documents that we must provide the bank when submitting the application, in the latter it is most often online communication and a quick decision within 15-30 minutes. What is the difference between payday loans and bank loans?

Pros and cons of a bank cash loan

Customers are mainly divided into supporters of bank offers and quick loans. So what determines greater trust in a bank’s institution? They are mainly stereotypes and circulating myths, based on the saying – “you have it like a bank!”, Which means you can be sure that the bank will never fool you. And it can be very different with this.

Regardless of the type of place where you apply for a loan, you should always carefully read the terms of the offer and the content of the contract, because it may contain additional hidden costs such as commissions for granting a loan or insurance against job loss, which significantly increase the amount of the monthly installment to repayment. We often require such additional insurance from us, the only question is whether they work in practice? If we work on a civil law contract and lose a stable monthly income in this respect, will the compulsory insurance for a bank loan work?

Another disadvantage when borrowing cash from the bank are more stringent requirements, such as creditworthiness or a completely “clean” financial history. Which at the outset excludes from the group of applicants for money e.g. for the purchase of a new car or renovation of an apartment, people with low income, older people aged 65+ or appearing in at least one of the economic information databases (KRD, BIK, ERIF BIG). Therefore, if we care about quick cash, and in the past we have had a delay in paying e.g. a telephone bill, we will not get a bank loan.

And the advantages? In most bank loan offers, these are still low fees around loans and an attractive interest rate of 5-10%, APRC from around 10% and with a commission of 5-10%. Which, for example, a cash loan of $ 20,000, generates costs of approximately $ 500-550. It is comparatively much cheaper than in the case of non-bank installment loans.

Advantages and disadvantages of payday loans and non-bank loans

The aforementioned disadvantages of quick non-bank loans are, unfortunately, still higher interest rates than at the bank. Lenders, by granting cash in the short term to people with lower incomes or already indebted, take a higher risk in the event of a lack of repayment than banks. This usually results in higher borrowing costs than bank loans, which generally avoids such clients.

The advantages of payday loans include primarily:

• quick decision in granting cash, conveniently online,
• first loan for free,
• the possibility of obtaining a loan, despite the presence in economic information databases,
• low income or even lack thereof,
• granting loans to the elderly above 70 years of age,
• no compulsory insurance.

To sum up, thanks to having much more cash in the deposit than private lenders, banks have an advantage in the form of lower interest rates on borrowed cash. Unless you intend to borrow a small amount for a short period of time, without unnecessary and complicated formalities, then non-bank payday loans for $ 0 is the best available option on the current financial market.

The lack of liquidity for an unexpected expense, the need to support a purchase of a certain importance are the conditions for which so many people resort to the request for a loan. Given the importance of the issue, it becomes almost necessary to know how to move among the innumerable offers of loans that are seen daily advertised online, in newspapers and magazines. It is important to choose the solution that best suits our specific needs and, why not, the most convenient solution.

The importance of reading the contract

As we all know, obtaining a loan depends on many factors: personal income, family and asset status, and the credit history of a person. The financial companies and the banks carefully evaluate the customers’ financing requests, attributing to each one a sort of reliability or, if not, a risk. The credit system, therefore, puts in place a wide range of strategies to avoid unnecessary risks, deciding to whom and in what ways to provide credit.

However, the applicant must also make his own assessments when he has to sign a financial contract. It is essential to read the contract and the conditions and carefully evaluate the convenience of what is submitted to us.

First, a loan can only be granted by an institution or a credit company authorized: these are credit brokers regularly registered in a special register. It is fundamental to take into account, in the choice of a loan, the capital financed with respect to the TAN, ie the nominal annual rate and the APR, ie the annual percentage rate.

Generally, one is inclined to evaluate the convenience of the installment, or of the tan alone. It is a mistaken belief, the real parameter to keep an eye on is always the Taeg.

What is the APR?

Let’s start with the basics. What is the Taeg? The APR is the indicator of the interest rate and the total costs of a financing operation. It is expressed as a percentage and indicates the actual cost of a credit transaction.

The APR ( Effective Global Annual Rate ) is the parameter to be taken into greater consideration in the choice between different financial products. The value expressed with the APR is a value that we can define compound: it is the interest rate to which are added all the other expense items related to the loan.

The items of expenditure that contribute to the formation of the APR are the following:

• the preliminary costs,
• the costs of reviewing the loan,
• the costs of opening and closing the file,
• the costs of collecting refunds e
• the cost of collection of the installments,
• insurance costs,
• the possible cost of the mediation activity,
• any other expense connected with the financing operation, provided that it is included in the contract.

The following expenses are excluded from the calculation of the APR:

• expenses for optional insurance policies,
• state stamp duties,
• taxes (or all those expenses that are not provided by the funding body).

The Taeg thus represents a valid tool to allow the customer to know the actual cost of a loan, since this value includes every cost item that affects the actual cost of the loan. The APR is therefore the perfect tool for those who have to choose between several proposals and offers and look for a reliable parameter to compare various estimates and solutions.

Beware of insurance policies

But we must be careful. Financial institutions often impose one or more non-compulsory insurance policies. These costs are not included in the Taeg calculation but are spread over the installment for the entire duration of the financial transaction. The installment will thus have a slight increase.

Therefore, in full compliance with the law, it is possible for banks and financial institutions to advertise a low APR compared to the competition by hiding the cost of an non-mandatory insurance policy in the final installment.

Inflation is back in Hungary – the HCSO reported. Of course, this does not come as a surprise to the readers of BankRation, since so far the rate of cash outflow has been so low mainly due to the overhead cut. Nor is it a novelty that our money in the bank may become less and less worthwhile in the future. But now let’s see how bad the situation really is.

We have already written that as inflation rises and deposit rates get stuck, real yields may fall. This means that it is increasingly worthwhile to think carefully about our financial decisions and look for a more attractive investment alternative than deposits.

Even worse than inflation comes

We need to look at investments with higher returns not only because inflation is rising, but also because the cash outflow is likely to affect primarily the products we are collecting. Few are set aside to pay more overheads later (the price of which may remain unchanged).

Inflationary pressures may come primarily from durable goods and imported products, as economic growth will also increase demand for them and the weakening of the forint will also have a negative impact. Thus, the current 0.1 percent inflation rate may continue to increase in the next period and may completely erode our real yield. This is the difference between bank interest rates and inflation.

Why bank rates do not rise

Bank yields are primarily determined by the central bank base rate and the bank’s interest rate policy, the former not expected to change until the end of 2015. Banking policy is largely determined by the current legal environment. Banks are unlikely to take action on deposits when, due to the transaction tax, customers still do not move their money, so there is not much chance that the interest rate on deposits will change materially.

How do we deal with inflation?

It is also important to know that we always have to count on deposit-maturity money. That is, if we put our money in for a year now, then the value of July next will be decisive. Which may be higher than the current average bank offer.

The beneficiary, who receives compensation in the cases provided for by an insurance policy, is undoubtedly a major part of our insurance contract. It also takes on special relevance in life insurance to be the one who receives the economic benefit that allows him to continue with his habitual life after the death of the insurance holder, which in many cases contributes a good part of the income of the family unit.

Payment of the taxes

Therefore, designating a beneficiary is always essential. There are no limits when it comes to setting beneficiaries and anyone can be, regardless of whether or not they have a kinship relationship with the payment of the taxes, but if a big difference when determining it expressly or generically .

How to choose the beneficiary

It must be taken into account that any person can have the status of beneficiary of life insurance, since it is the insured who designates it, regardless of whether it is related to the insured or not. The beneficiary can be a natural or legal person, normal comes first, and can be designated in the two ways we have advanced:

• Express: When the beneficiary is identified with names and surnames in the case of a natural person or CIF or Corporate Name in the case of a legal person.

• Generic: It does not designate a specific person, but indicates the degree of kinship (father, mother, children, grandchildren …).

It is important to note that it is not mandatory to designate beneficiary, but doing so facilitates the work of collecting life insurance. When doing so, it can be done in two ways:

• In the policy itself: It is the simplest and most common way. It can be done at the time of hiring, but also designate or modify at any time of validity.

• In the will : Designating beneficiary by policy, or in general for all those who are subscribed.

If there were no beneficiaries, it would be the heirs who would receive the outstanding capital.

This designation allows the payment of the economic benefit stipulated in the policy and also to be able to be informed, directly in the insurance company or in the Registry of Insurance Contracts of death coverage , under the Ministry of Justice of the existence of a life insurance.

Payment of the taxes

But this charge is also subject to a fundamental obligation, the payment of the taxes stipulated in this case by the Autonomous Community (organism that regulates the Inheritance Tax) on the amount it receives. Therefore, correctly determine the beneficiaries of insurance and that they know their rights and obligations will allow both to better determine their benefits and objectives and in the last step, make their collection more agile.

Concluding financial products with parties that work according to the execution-only principle means that those parties mediate without advice. You as a customer have sufficient financial knowledge to take out the right loan or mortgage without the intervention of an adviser and associated advisory discussions. In the case of a loan, this has been a common practice for a long time. This is on the rise when taking out a mortgage. According to research from Nibud (the National Institute for Budget Information) this will grow because consumers believe that financial advisors are too expensive, but also because they mistrust them. Execution only is the way to bypass a financial advisor.

Arrange your own mortgage? Complex case

Mortgage advisers have recently expressed their concerns about this development in the news. They wonder whether a mortgage is not too complex a product to arrange through the execution-only method. They are of the opinion that a client mainly focuses on the interest rate of the mortgage and loses sight of the associated conditions. A mortgage adviser takes into account future changes in the customer’s personal and financial situation in his calculation. With only a low interest rate you do not catch this as a consumer.

Commission costs instead of consultancy costs

Not all banks offer the option to take out a mortgage for all types of mortgage without advice.

If they offer it, they may still charge commission fees. This amount is lower than the consultancy costs that you normally pay with a mortgage, but it is not free of charge. A credit broker who offers execution only for a personal loan or revolving credit does not charge these costs.

A wrong choice mortgage can cost a lot of money. It is not easy to transfer your mortgage without having to incur high costs depending on your mortgage type and provider. Transferring a loan is always free of charge. If you have made a wrong choice? You can convert your current loan to a new one without any problems.

Close without advice

Taking out a loan on the basis of execution only is another story. Loans and loans are less complex than a mortgage. Taking out a loan without the intervention of an adviser means that you will not receive advice and therefore will not pay advice costs. Any advice calls by phone or in the office are eliminated and the customer arranges everything online himself; the application process is short.

Borrow money online

With us you can apply for a loan online. From behind your computer you can arrange the loan of your choice at the time when it suits you. To support our digital working method, we have a number of tools and extensive information on our site so that you can orient yourself well in advance to take out a responsible loan yourself. All borrowing standards that we apply are determined by law and regulations.

After you have requested a quote, you will receive the offer from our partner banks digitally in one overview. You choose the best offer from this. We then arrange for the bank to pay the loan.

The greatest risk, death, can be insured with a term life insurance policy so that your loved ones do not have to take over your debt. Using our online application form you can calculate which premium you pay for this insurance.

The end of the year arrives and you probably have some other expense that escapes your current finances, then the idea comes to mind: “What if I take out a loan ?

A personal credit is not a bad idea when you need money, but you have to be aware of the cost of the interest you will have and your payment possibilities. With a planning and using the loan in something necessary or profitable you can take advantage of it.

In this note I leave you some information that you should keep in mind if you plan to ask a bank for money .

Have your credit history in green

Before you think about asking for a loan or credit, try to have your credit history clean . You can learn your credit history for free on the Sentinel page, on the SBS website or through the Good Finance self-assessor .

Have financial activity

If you do not have financial activity it will be more difficult for you to get a loan. If you passed point one there is no problem with this. If this is not the case, the bank will most likely evaluate your ability to pay , for which not only will the fixed amount you earn each month be sufficient, but also provide a payment support.

Don’t let them choose you: choose you

Other than the bank calling you to tell you that you approved for a loan , choose the highest bidder. How is that? Well, the one that offers you the smallest TCEA ! You don’t want to pay more interest and commissions to a bank if another offers you less, right?

An additional advice that I leave you, is that whenever you take out a credit do not go by the bank that offers you the longest payment time. Remember more months more interest you will pay. Pay your debt in the shortest time possible.

Comparing bank offers is also prudent to reduce interest payments. You can find the best option for you at Good Finance : credit to your needs in a few steps.

When investing our own money there are many alternatives, from the fixed term in a financial institution to the search for investment options that allow us to get money directly by choosing the type of maturity among other things. In this manner, at the same time that the investor acquires a high return (which along with financial alternatives such as Crowdlending usually ranges between seven and 8%) will be straight helping companies to have the funding they seek to obtain.

This produces the particular satisfaction of knowing that your hard earned money is being used for a certain action that he himself has selected.

One of those options we are talking about, are Crowdlending platforms, which put loan companies in contact with borrowers making it possible to associated with savings profitable.

The custom of expense in Spain

We are utilized to invest money in the long term, whether fixed term tax exactly where money cannot be available till the operation ends (and furthermore obtains a very low come back: 0. 15%); or to spend money on the Stock Exchange where the volatility characteristic is had, which usually brings with it a greater danger in the financial operation.

• Investing in a set term: Both profitability plus risk are very low, which usually does not really allow getting high profits.
• Investing in the Stock Market: The particular profitability is directly proportional to the risk of the procedure, so the profits will depend on the kind of investor we are (conservative, reasonable or aggressive)

Companies to invest cash. New way to invest in the long run

Nowadays, with the brand new financial market of crowdlending, anyone has the opportunity to attain greater profitability by searching for companies in which they can spend their money and associated with savings profitable.

But where to find companies to get long-term money in 2016?

In 2016, the particular search for companies to invest cash directly, without intermediaries plus among equals, will be prolonged even further. Among these you are able to choose to invest in long-term or even short-term companies depending on the phrase of the loan that has been decided with the company. Thanks to Great Finance you can find companies to purchase the long term or the duration that will best suits your passions (since we have operations in whose term ranges from thirty days to 36 months). Therefore at all times you will find companies to take a position money in the long term.

In the Market section, investment apps in companies of different sorts are published periodically.

How much money is needed to make investments?

From € fifty you can invest in the purchase options you want, selecting your self the projects to invest in various companies taking into account their success and term.

Unlike the traditional forms of expenditure that have generally been performed by banks for many years, which includes fixed terms or stock exchange investments, in the case of Crowdlending, the particular investment plus the corresponding curiosity will be recovered. month to month.

What does this indicate? Good Finance is responsible for gathering the monthly fees the fact that SME pays month to month, plus distributes them among traders who have participated in the task to be financed, thus recuperating the investment through payments composed of capital and attention.