Month: August 2019

Take out a payday loan for a specific purpose

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A payday loan for a specific purpose

A personal loan for a specific purpose

Of the various loan variants, the payday loan is one of the best known. An ideal loan when you know exactly what amount you need. Because you just don't have the money or because it concerns a large sum like a car. It is also a very clear loan form, because the monthly costs are fixed, so that you will not be faced with any surprises. The lender deposits the entire amount in one go into the bank account so that you can dispose of it immediately.

You repay the same amount to the lender every month. You determine the term in advance and it will continue to apply throughout the entire payment period. If you do not yet know exactly what amount you think you will need, then you should opt for a revolving credit. With this loan the monthly costs can vary, because the interest and the duration can change.

The costs of a revolving loan

The costs of a revolving loan

The costs of a payday loan consist of a repayment and an interest component. The duration of the loan and the amount that you have borrowed determine the amount of the monthly costs. The longer the loan runs, the larger the repayment portion, while the interest portion becomes smaller. The amount of the monthly costs is determined in advance by the lender.

How much can I borrow?

How much can I borrow?

How much you can borrow will also depend on your personal situation. Consider carefully in advance whether you are able to pay the costs each month and how long it will take to repay the loan. Different lenders have calculation tools to calculate what your monthly costs are. This way you can calculate yourself whether you have enough money left to make ends meet every month. You must keep in mind that the interest that you have to pay for a loan is higher than the interest that you get on savings.

Duration of the loan

Duration of the loan

You can determine the duration of the loan yourself in advance in consultation with the provider. The longer the period, the lower the monthly charges. That of course seems attractive, but bear in mind that the total costs of the loan with a longer term increase. After all, you pay interest over a longer period. The term for a payday loan can vary from one to fifteen years, but usually ten years. The term you choose may also depend on the reason for taking out the loan. If you want to buy a new washing machine with the money, it is useful to adjust the duration to the life of the appliance. At least you no longer pay for a device that you no longer have.

Relay earlier

Relay earlier

Some lenders offer the option to repay the loan earlier without penalty. This is not favorable for the provider, because he is therefore missing interest income. Not every payday loan will therefore offer that possibility. Once you have paid the extra repayment, you cannot record it later. This is possible with a revolving credit. So think in advance which loan type you choose.

Loan insurance and cosmetic surgery

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Subscribe to a loan insurance 

Subscribe to a loan insurance 

While you are going to subscribe to a loan insurance, be careful to answer the medical questionnaire accurately. Otherwise, you may not be covered by your loan insurance contract in case of an accident of life.

To benefit from a real estate loan requires the subscription of a guarantee which will take care of the maturities of the credit in the event of death, invalidity or incapacity. In other words, the borrower insurance!

Health Questionnaire and Medical Form for Borrower

Health Questionnaire and Medical Form for Borrower

Have you had one or more cosmetic surgery ? Here is an example of a question from the borrower's medical form that will have to be answered accurately and sincerely.

What the law says

The law obliges the borrower "to answer exactly the questions of the insurer, on the circumstances which are likely to make appreciate by the insurer the risks which it takes charge" (article L. 113-2 of the Code of the insurance). In case of misrepresentation, the insurer may not pay monthly installments in the event of a problem. Better to be vigilant and honest to complete the borrower medical form.

Health questionnaire for mortgage insurance after cosmetic surgery

Health questionnaire for mortgage insurance after cosmetic surgery

A quick reminder to answer the health insurance questionnaire or the medical insurance declaration form credit insurance

  • Do not lie by omission
    If you do not report an act of cosmetic surgery or treatment following a cosmetic surgery operation, or if you show bad faith, the insurance company will not pay the loss.

  • Ask a specialist for advice
    Ask for a copy of the health questionnaire and study it with your specialist loan insurance consultant, also ask your doctor to remind you of surgeries that you did not think... even aesthetic

  • Beware of false involuntary declaration
    Allergy, appendicitis, aesthetic surgical operation... nothing is to be forgotten, your sincerity is not enough to prevent the fall of the indémnisation on the part of the insurance company.

COMPARISON INSURANCE READY AESTHETIC SURGERY

COMPARISON INSURANCE READY AESTHETIC SURGERY

Our goal : to enable you to borrow with the best risk insurance for cosmetic surgery.

As a user of the multi-companies insurance-of-pret-not-expensive-comparator, you impartially compare the best proposals for loan coverage with risk of cosmetic surgery and can quickly receive the insurance quotes pretest cosmetic surgery that you are most advantageous.

  • Comparator insurance aesthetic surgery loan
  • Rate insurance aesthetic surgery loan
  • Quote insurance aesthetic surgery loan
  • Custom study insurance aesthetic surgery loan
  • Health questionnaire pret aesthetic surgery
  • Free reminder of a dedicated advisor

AERAS Convention

The AERAS (Insuring and Borrowing with Enhanced Health Risk) agreement allows borrowers with increased health risks to access insurance and loans more easily.

  • Learn more about the AERAS convention
  • Learn more about loan insurance with aggravated health risk
  • Contact a health risk consultant specialized in cosmetic surgery
  • Get an insurance quote for cosmetic surgery
  • Perform a comparative insurance insurance risk aesthetic surgery

 

Credit Registration Office in Tiel

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What is a BKR registration?

What is a BKR registration?

In addition to viewing income and expenses, a number of other issues are also being considered. Your marital status, your payment history of the credits that you have at the time of the transfer and whether you have children. These matters are viewed at the Credit Registration Office (BKR). The BKR registers loans from people who have taken out a loan, for example a personal loan or a repayment arrangement with a mail order company. Debts such as rental debts, tax debts or unpaid bills with an energy company are not kept by the BKR.

Opportunities for acceptance

Opportunities for acceptance

If you only want to reschedule an existing loan without borrowing an additional amount, there is a high chance that the rescheduling will be accepted. You are only likely to have a reasonable chance of succeeding just to reschedule a loan, although it is of course important that you do not have a compelling history of defaults. To deal with one or more loans in a sensible way, it is advisable to investigate whether relocation is a good option.

Summary

As indicated, there are various lenders where it is possible to have your loan rescheduled, and there are also banks that offer the possibility to take out a loan. So there are very diverse choices when it comes to rescheduling a loan, which provider can thereby give you the most benefit depends on a large part of your motivation and background of reshuffling. In summary, it is advisable in the case of refinancing to find out which way is best for you to take out a loan. Do you pay a fine at a significantly low interest rate or do you ultimately choose to stay with your current loan provider? Put all the data in a row, compare and then make the choice.

Credit Registration Office

Credit Registration Office

In addition to income and expenses, a number of other data are also examined. This way the lender finds your marital status, your payment history and the fact whether you have children or not. These matters are checked at the Credit Registration Office (BKR). This body is responsible for registering loans that people have taken out. This includes personal loans or repayment schemes at mail order companies. The BKR does not keep debts of a different nature, such as rental debts, tax debts and unpaid bills with an energy company.

Acceptance opportunities

Acceptance opportunities

If you plan to take out an existing loan without borrowing an additional amount, there is a significant chance that the takeover will be accepted. If there is only an overlap, the chances of success are quite high, of course it is important that there has been no adverse history to defaults. Apart from many other reasons, it is therefore advisable to use one or more loans in a sensible way.

Definitive choice

Definitive choice

Multiple lenders therefore offer the option of having a loan rescheduled, and there are also a number of banks that offer you the opportunity to reschedule a loan. The choices for refinancing a loan are therefore extremely different. The reasons for and reasons for transferring your loan determine the correct choice of a new provider. In summary, it can be said that in the first place it is highly advisable to find out how you can best refinance a loan. Does paying a fine weigh at a lower interest rate or is it still cheaper to stay with the current provider of your loan? Be sensible and make sure you have all the information clear before you make a final choice.