Month: July 2019

Your easy and online loan

What to know about Good Finance installment loans? They allow you to request from € 200 to € 2,000. The return period is fixed in monthly installments between 2 and 12 months.

Accept customers with bad credit history

Accept customers with bad credit history

Who are in delinquent files such as ASNEF.

It is not necessary to have a payroll or guarantee, although it will be necessary to show sufficient monthly income to pay the loan.

As for commissions, there is no opening, but by early return.

It is possible to defer a fee for each loan, as long as we are up to date with the payment of the previous installments. It must be requested within 48 hours before the payment is due.

Amount and repayment term of each loan

Amount and repayment term of each loan

The applicable interest will depend on the amount and repayment term of each loan. In general, all opinions about Good Finance speak of very competitive interests with respect to the financial market.

All APRs are around 290%. An example is: € 2,000 to be returned in 12 monthly installments will mean paying a total of € 3,808.77, which means an APR of 290.7%.  They allow you to request from € 200 to € 2,000. The return period is fixed in monthly installments between 2 and 12 months.

How do Good Finance installment loans work?

How do Good Finance installment loans work?

Good Finance personal loans are a truly competitive financial product since they do not have any type of commission added: the result offered by the calculator of your website is the final amount that you will have to pay in each installment within the selected term.

In addition, you will enjoy transparency in the processing and conditions and the maximum possible confidentiality.
If you have a pressing need for money, you can trust them because once you complete the forms on their website they will respond in less than an hour.

Online loan financing cheaper

Many companies specialize in the area of loan financing. Such a service allows individuals to contract credit with a financial institution or a bank as soon as possible and to benefit from the best financing conditions.

The operating principle of a loan financing

The operating principle of a loan financing

As mentioned at the beginning, loan financing is a service offered by a brokerage firm to help individuals easily obtain credit from a financial institution such as a bank among others. Many companies specialize in this area. However, it is advisable to favor certain brands known for their rich experience and who maintain an excellent relationship with many partner banks. Opting for these professionals allows you to quickly benefit from a loan with advantageous rates.

  • mortgage financing

  • amortization table ready

  • real estate loan calculation

  • real estate loan simulation

The benefits offered by this service

The benefits offered by this service

Applying to these specialized companies allows loan seekers to enjoy many benefits. Specialists in credit, these brands will provide their customers with the advice they will need to obtain a loan with very advantageous terms. That’s not all, these professionals also offer their file tracking service to banks or other credit institutions. Most loan finance companies have credit simulator tools that allow loan seekers to compare available offers from banks. The use of these tools is very suitable for an overview of its borrowing capabilities.

 

Loan insurance with guaranteed loss of employment cheaper with brokerage

 

Job Loss Insurance for a Real Estate Loan

Job Loss Insurance for a Real Estate Loan

A loss of employment loan insurance is a guarantee covering the monthly payments of a loan in case of loss of employment, following a dismissal. This insurance guarantees, under the conditions and the limits of the contract, the assumption of a part of the monthly installments of the loan (real estate or consumption).

Ask for your job loss insurance quote

Ask for your job loss insurance quote

In case of dismissal, and without deductible, the insurance company pays you a compensation complementary to that of the employment center, and not taxable, allowing you to pay your installments. The subscription of a loan loss insurance employment is not obligatory, but your lending financial institution can require it, under pain of refusing the requested mortgage loan. The request for a job loss insurance is explained by the upsurge in unemployment in recent months. As a result, home loans are increasingly accompanied by job loss insurance or unemployment insurance. The loss of employment guarantee is a contract concluded between the lender and the insurer and which benefits the member.

The job loss insurance explained

The job loss insurance explained

Employment loss loan insurance is an optional guarantee of loan insurance. It allows the assumption of repayment of monthly loan payments by the insurer in case of loss of employment of the insured followed by a period of unemployment. This optional guarantee is only for a certain type of insured profiles.

Loan loss insurance is a loan guarantee that is often recommended and sometimes requested from the borrower by some lending institutions to grant a loan. Indeed, although optional, it can be increasingly requested by banks because the current economic climate is uncertain.

How does the job loss guarantee work?

How does the job loss guarantee work?

The job loss guarantee, also called unemployment insurance, replaces the borrower to repay his monthly payments in case of unemployment. It therefore covers the borrower during his period of inactivity and ensures the bank to be well repaid. The terms of the contract of an unemployment insurance.

Conditions of subscription of the loss of employment guarantee

The subscription of the job loss guarantee is not accessible to everyone. To access it, the borrower must work under an Undated Contract and have a certain seniority with his current employer (from 6 to 12 months). It is also necessary to be attached to an unemployment insurance scheme and therefore be entitled to receive unemployment benefits following a loss of employment. Finally, it is a question of an age limit of subscription generally varying from 55 to 65 years according to the insurers.

The duration of coverage of the job loss guarantee

In most contracts, the duration of coverage of the loss of employment guarantee varies from 1 to 4 years and may be tacitly renewable at the end of this period. If the insured reaches the age limit specified in the contract or when he / she retires, unemployment insurance ends.

The waiting period

The waiting period is a period that begins on the date of subscription of the unemployment insurance contract, during which the insurer does not pay any compensation in case of loss of employment. The waiting period usually ranges from 6 to 12 months.

The franchise period

The grace period corresponds to the time that the insured must wait, from the date of loss of employment or the date of receipt of the first unemployment benefit, before receiving compensation from the insurer. This is a period that usually varies from 3 to 6 months.

The repayment terms

Depending on the type of compensation, the insurer can either pay compensation ranging from 50 to 100% of the amount of the monthly payments, or postpone the repayment dates at the end of the loan. It is preferable to opt for the first solution because in the event of postponement of the deadlines, the duration of the credit lengthens…

The cost of the job loss guarantee

The cost of the job loss guarantee

The cost of the loss of employment guarantee is calculated either on the amount of capital borrowed (varies from 0.3 to 0.7% of the capital borrowed), or on the amount of monthly loan payments (varies from 1 to 7% of the amount of monthly payments).

 

Credit for SMEs fast, easy without any cost | Business loan

Small and medium-sized enterprises (SMEs) are companies with annual sales of no more than EUR 50 million. This group makes up over 95 percent of all companies in Germany. With this high number, they are an important cornerstone of the economy in Germany, but also of large companies beyond the 50 million euro annual turnover. However, SMEs find it very difficult to get loans from banks. Especially in the start-up phase or rapid growth of the company, capital needs are inevitable and unfortunately rarely to be satisfied. Banks often hesitate because they need certain collateral that is hard to come by small businesses. BankFit does not provide large loans to SMEs with long maturities. BankFit offers a short-term loan, which only serves for an order bridging or a quick purchase of goods. The term is limited to 30 days and the loan amount to 10,000 euros. As a result, the credit criteria are different, as those, which are used by many banks. But more on that later.

Credit with little interest

Credit with little interest

That you have to pay interest on a loan is usually as clear as the morning follows the night. Interesting is the amount of interest, because it determines the price of the loan and must be included in the repayment. A loan with little interest is therefore a cheap loan and therefore easier to repay.

However, interest is also charged because the lender carries some risk when lending money to someone. This default risk is associated with losses that need to be balanced. Nevertheless, some loans have lower interest rates than others. A comparison is definitely worth it and should be made strictly.

Reasons why SMEs find it difficult to get credit from banks

Reasons why SMEs find it difficult to get credit from banks

  1. Credit: Banks assess your future ability to service the capital based on your current economic performance and likely future prospects for your business.
  2. Collateral: The require banks, in the event that your debt servicing capacity should fall during the repayment period.

These two points are important conditions to even make a request for credit at a bank. These two points condition and influence each other. For example, if the credit rating is high, the question of collateral and vice versa. But both are factors that depend in their ability to persuade much of the respective bank. It’s a vague haggling and the banks are very careful. What should one do, then, if one has only to handle an urgent repair or order bridging financing? Neither does one need a long-term credit with hard credit claims, nor a larger sum, such as, for example, if one needs a start-up fee as a self-employed person.

BankFit offers a solution

BankFit offers a solution

To get a loan from BankFit, you have to meet different criteria as a self-employed person than with banks. A credit check is essential for any reputable credit provider. In order to take advantage of our short-term self-employment loan, your company should have been on the market for at least a year, have a relatively positive regular cash flow, and spend at least € 50,000 a year.

Loan comparison for self-employed

Loan comparison for self-employed

The offer of BankFit is still unique in the B2B credit segment, because it is only a bridging loan for self-employed, as it is not otherwise offered. Only 30 days runtime, only manageable heights and no pre-costs. Try it on the calculator. Set desired amount and duration and go!

Senior Loan Insurance cheaper for borrowers over 50

Make your plans: want to buy a second home, do some work, help your little children? There is no age to insure a loan with insurance-of-loan-not-expensive! Get customized senior loan insurance for the credit of your choice.

Senior Loan Insurance Quote

Senior Loan Insurance Quote

Retired borrowers do not need the disability benefit: only the guarantee will be required. If the borrower retires during the loan, think about reducing the guarantee at the beginning of the retirement period, because it will be useless.

Your cheapest credit Senior Insurance

Your cheapest credit Senior Insurance

Get personalized rates directly. The guarantees for senior borrower that we offer are complete and secure in case of death and disability, and medical formalities are lightened. Discover all the price advantages for couples and non-smokers!

Real Estate Credit Insurance Rate for Senior Borrower

Real Estate Credit Insurance Rate for Senior Borrower

Benefit from comprehensive guarantees for seniors in the event of death or disability. Our rates are tailor-made and you can join two: the two borrowers enjoy tariff benefits on the amount of contributions, regardless of their situation: married, cohabiting,associates. For senior non-smokers, the premium loan insurance premium is even more advantageous. Protection of your loved ones and guarantee of your investment in case of Death.

Senior Loan Insurance Simulation

We have selected for you insurance companies specialized in senior loan insurance to make you realize significant savings when taking out a mortgage insurance insurance.

Compare offers by simulating the calculation of your senior loan insurance below:

You have great difficulty borrowing, problems to secure a loan? For seniors, some banks, credit institutions and insurers offer expensive contracts without guarantees suitable for seniors, or even, do not offer a contract.

If you are having difficulty finding a credit, to take credit insurance, we have the solution that suits you best!

You are over 50: the loan insurance broker gives you the opportunity to secure a loan for:

  • Financing a second home
  • the financing of works
  • to borrow for a trip
  • help your little ones

Senior Loan Insurance Rate

Senior Loan Insurance Rate

The credit insurance delegation allows you in the first place to be insured in better conditions than with the lending bank. We advise and guide you through the entire senior loan insurance process. We compare for you all the most competitive insurance for seniors and offer the lowest insurance rates borrower market with the best guarantees, in agreement with your credit organization!

Senior credit insurance quote

Senior credit insurance quote

If you have had a medical problem, we find a solution for your senior loan insurance among health-specific contracts for people who find it difficult to secure a loan.

FREE SIMULATION loan insurance for senior borrower

Find the best Credit Insurance and compare companies specialized in mortgage insurance for seniors including all companies specializing in guarantees for seniors!