Category: Uncategorized

Mortgage Loans Are Sooner

Since the beginning of the year, the state has been encouraging domestic banks to allow citizens access to real estate through so-called consumer-friendly, ie easier to pay and ‘turnkey’ home loans. Read more at http://smi-loan.com

Then are domestic loans not good enough?

bank

On the one hand, the current deals are very friendly, as interest rates are on the floor and repayers are much lower than at any time in recent years.

On the other hand, banks would have the opportunity to allow them to borrow at an even lower APR, which is now so favorable for the financial climate. The MNB points to cheaper loans available in several EU countries than examples to follow.

Easy to access, pick up and pay

bank

In May, specific points were made public on what housing loans are considered sufficiently consumer-friendly by the state. It classifies those that include, but are not limited to:

  • Forint-based mortgages, which can be used for many purposes
  • The minimum interest period is 3 years
  • The interest margin may not exceed 3.5%
  • Every year, the debtor is made aware of the possibility of full or partial early repayment
  • Within 15 business days, the credit assessment must be completed after the valuation is available

There are still many conditions to ensure the customer’s comfort, but obviously THM is not maximized . True, the interest rate premium that is involved in setting the borrowing rate is fixed, so consumer-friendly credit cannot be quick and easy, but expensive.

When are new home loans expected?

bank

Good Finance Bank has already indicated that they want to come up with consumer-friendly products first, and no one else is interested in falling behind. Banks are essentially submitting new loans to the MNB as part of their tender, and they may already do so in June, and then customers can meet them.

We will be sure to look for these offers in September. They will run under the name of a qualified consumer-friendly loan , so finding them will not be difficult.

Can’t you live without your credit card? This is what you have to do to get rid of them

There are those who have seen the use of a credit card as a necessity. In that sense they have fallen into a vice from which they cannot leave.

Are you one of those who cannot live without cards? We have news for you! It is an evil that has a cure and now you will discover how to get rid of this terrible suffering.

Change the chip: start with a debit card

Change the chip: start with a debit card

Sometimes changing the chip is difficult, especially when we are used to take out the plastic every time we pay. Help yourself and start using a card, yes, but debit. That way you will only be paying with money that is yours.

Wallet with cash

Wallet with cash

If you want to keep better control of what you spend, using cash can be an option. That way you will know how much you have left in your accounts to spend the rest of the month. I know it doesn’t sound easy, but it will help you control your personal budget .

Separate money

Separate money

One trick that has worked very well for me not to exceed my monthly expenses is to separate the money I will use for each purpose. Thus, for example, you can divide your weekly expenses or your expenses in a more timely manner, by month.

Open a savings account

Open a savings account

Ideally, according to personal finance experts, we save at least 10% of our monthly income. It will help us in an emergency and also allow us to have funds for other purposes, such as a trip. Having savings will prevent you from using credit for some important expenses.

Finally, I also advise you to think before using your credit card : Do I really need what I am going to buy? Would something bad happen if I don’t buy it? If the answer to both questions is NO, then try to avoid spending, so put your card back in your wallet, many purchases are really not necessary!

How to identify the most advantageous payday loan?

Loans, both home loans and personal loans, are extremely low at present, practically halving in recent years, and many are taking advantage of opportunities.

However, it is not worth choosing the first offer that appears to be favorable, which is a sight in an advertisement. Not to be frustrated with our financial knowledge, it is easy for laymen today to identify themselves with what the market has to offer.

Experts advise you not to waste your time, review all available options – we may run into a much better design. Calculators on the internet list all the loans available to us in minutes.

Are you sure you want to borrow 25 percent?

Are you sure you want to borrow 25 percent?

Banks currently have a fairly large ‘playing field’ and personal loan offers vary widely. There are loans in the market with a monthly APR of 24.86%, but at the same time a repayment of 7.73% is available. The average APR is around 15%.

It is no coincidence that the willingness to take out bank loans has steadily increased in recent years. Many people cover the additional cost of a home loan with a personal loan. For this type of loan, there is no need to provide cover for the loan, although it is therefore more expensive than, for example, a home loan.

High income, low APR

High income, low APR

Above, we did not accidentally write that the calculators are available to us, as the offers vary widely depending on the client’s monthly income, but also how long you have a working relationship with your bank. That is, the bank looks at all the important risk factors and only gives cheap credit if it considers repayment guaranteed.

If you can earn more than $ 200-250 a month, you can choose from the best deals. Even in such cases, it is worth taking a close look, as there are such differences in borrowing a $ 1 million loan that you can earn as much as $ 4-500,000 if you choose the best repayment.

How You Can Spend a Holiday without Insurance?

 

Are you traveling abroad this year and are you thinking of paying for travel insurance? We know how much medical care will come out without him and the towing of a car.

Who is entitled to a special workload allowance?

 

 

Do you work in an environment that is very strenuous to the psyche? Do you endanger your health at work? In that case, you will be entitled to a special supplement. What is its height and who is entitled to it?

What do students need to find a summer job?

 

Summer holidays are at the door and during this period, many students are looking for a summer job. However, they should know a few things before they go online on the Internet.

How to achieve your work?

 

We finished school and started work. For most, it is a bit disappointing, almost everything we expect is almost never met. But we go to work and we have a goal ahead of us. How to achieve it, what path to choose and how to suffer as few injuries as possible?

How to calculate holiday pay

 

Many people often think that they have a normal pay during their holiday. What is a holiday pay compensation and how is it calculated?

In Australia, the hourly minimum wage is over CZK 300

 

 

The minimum wage is introduced not only in most EU Member States but also in the USA, Canada and Japan. The minimum wage in Australia is even more than 300 CZK per hour. In the US, the minimum wage varies from country to country.

The average wage in the Czech Republic increased to CZK 32,466 and the median to CZK 27,582

 

 

Wages in the Czech Republic are growing and this is reflected in the average wage. What is its current value? Why is it growing? And how many people reach the average wage? How do we compare with the EU and our neighbors?

Will credit card travel insurance be sufficient for your holiday?

coins

 

Together with the upcoming holiday season, the demand for travel insurance is also increasing. This is widely offered for payment cards. But is it enough for a classic holiday? What does it cover? And what are his pluses and minuses?

What to do if you want to get a replacement paycheck from the employment office? 22.05.2019 | Editors

 

It can happen to anyone, and it’s definitely not pleasant – your employer has for some reason found himself insolvent and stopped paying his wages. How to proceed in such a situation? Contact your employment office. The chances of at least partially satisfying your claims are relatively high. However, one very basic and then a few side conditions must be fulfilled.

Who is the best paid hockey player?

 

 

Who is the best paid Czech at the World Hockey Championship? Jakub Voracek or Michael Frolik? And who is the best-paid Russian, Slovak, Swede or American?

When can an employer leave an employee on vacation?

 

Do you think you are entitled to a holiday and no one can take it from you? That’s what you’re wrong with. The employer can not only refuse you a holiday, but even recall it from you.

How is wage compensation calculated for holiday after sickness?

 

 

The monthly holiday pay is calculated from the average earnings in the previous quarter. However, lower income in the previous quarter due to illness does not have a negative impact on the calculation of holiday pay. To put it simply, this period is excluded in the calculation.

What you should know when you are on call

 

 

Has your employer come to you to take your on-call duty? And can he even afford it? What should you know about on-call time before you get on it?

What is the difference between a meal voucher and a meal plan?

 

 

Meals and meal tickets are definitely not the same. What is the difference between them and when is one or the other entitled? In addition, can you be “knocked” on both?

What breaks are included in working hours?

 

 

The work break is for many employees the most popular moment of the job. But is your employer reimbursing you, or do you spend free time with it?

How much will students and pensioners save on traveling in the summer?

money loan

 

Are you a student or a pensioner and are you planning to travel a lot in the Czech Republic or abroad during the summer? In that case, we have good news for you. Traveling for you this summer will be record cheap.

Should I apply for a loan with months of grace?

Luna wants to apply for a loan to buy a new living room set and a new kitchen. She used the Horry family consumer credit comparator and found the best option. He requested the loan and when he spoke with the advisor, he offered him the possibility of having some “free” months, that is, not paying his fee. Luna wonders if such a wonder will be true or if there will be dust hidden under the carpet.

Well, here we have the answer for Luna. When they offer us a consumer, vehicle, university or mortgage loan, they also offer us a thousand benefits or options that apparently paint our lives in colors. However, unless we have the right information, we could be painting our financial future black.

 

“Loans with up to six months of grace” or “Do not pay a fee in December”

“Loans with up to six months of grace” or “Do not pay a fee in December”

Are some of the messages that financial institutions usually use to offer the months of grace. But what are they? They refer to those fees that the client may not pay, that is, in the agreed months, the user will not make the normal payment of his fee.

Now, not everything is happiness in these options. Something that we must be clear about is that the banking institution is not going to lose money, so it is not really that you are not paying, but that you are postponing it for a month. So far so good, right? But what they did not tell you is that the interests continue to run and add to the capital owed, so you do not pay a fee but what you will pay will be the interest and these will be added to the total of your debt. This operation is repeated every time you enter a month of grace.

 

When should the months of grace be accepted?

When should the months of grace be accepted?

When you know that really that month you will be in a difficult situation and you will not be able to cancel the fee, so assuming the cost of interest becomes a better option than falling behind, since it does not affect your score with the financial institution.

We must bear in mind that the months of grace are not “months free of payment”, but an option to consider when we know in advance that in some period of time we will not be able to cancel the credit quota.

Luna has to think about this and see what months are the ones that offer her grace. If she knows she won’t have problems canceling the monthly fee then the recommendation is not to pay extra interest for the pure ones.

If, like Luna, you want to obtain a consumer loan, the Horry family comparator shows you the market options, interest rates and calculates how much your monthly installment would be in two steps.

Together in money

As the name of credit organization Samen in Geld may already suggest, this organization offers a platform on which investors and borrowers are brought together. In recent years, more and more such platforms have appeared on the internet. This is due in part to the fact that banks are less and less willing to provide loans to consumers. This makes it more difficult to get enough credit for the purchase of a new car, the renovation of your home, and so on. Not only for borrowers is Samen voor Geld interesting, it is also for investors

Investors earn an increasingly lower return on their savings.

money cash

The interest rate is limited on the bank and a high return is often not the case with investments in shares or bonds. By choosing Together in Money you can still earn a nice return on your savings, without running a particularly high risk. You choose, for example, which project you want to invest and projects are inspected before they are actually offered to investors. You earn on your loan due to the interest costs that borrowers pay you on a monthly basis.

The operation of Samen in Geld is relatively simple. You can create a personal account on the website of this organization, both as a borrower and as an investor.

With your personal account you can immediately add new projects to the platform, in which investors can then invest.

money coins

Keep in mind that Together for Money is completely dependent on the number of investors that have joined the network. When the number of investors is limited, it can be difficult to gather enough financial resources to complete this goal.

Otherwise, investors will be able to invest with their account in the various projects that are offered on the website. You can read more information about a project in advance so that you know where you are investing. Based on this data and the target amount of the borrowers who have added the project, you can make an investment. Pay attention to the duration of the loans when selecting your projects. After all, you have lost the money you invested for the term of this loan and you can not withdraw your investment from a project in the meantime.

Want to know more about Together in Money?

Are you curious whether a platform such as Samen in Geld is also something for you, as a borrower or a lender? On the website of this organization you will find more information about the precise operation of the platform. Read the instructions carefully in advance so that you do not end up with unpleasant surprises. For borrowers, it is important to realize that it is not possible to take out continuous loans with Samen in Geld. This can be explained by the fact that Together in Money is completely dependent on the loans made available by lenders. For a revolving credit you can go to various other lenders.

 

Private Home Loan Application for Foreigners

Moving into Turkey, but in individuals with international nationality can no longer use home loans. Those who wish to have a private house in Turkey, EasyEarn Financial institution is also one of the banks in order to loan in certain circumstances. The lender has advantageous campaigns for the foreign customers.

In particular, EasyEarn Bank’s personal home loan to foreigners is within high demand. The reason for this is it offers extremely suitable curiosity and maturity options in order to foreign nationals in terms of increasing loans.

 

EasyEarn Financial institution Home Loan Properties for Foreign people

EasyEarn Bank Home Loan Properties for Foreigners

Foreigners to invest in the country living in Turkey or even in order to meet housing requirements when they decide to remain in the nation what Job Bank mortgage loan may apply. For this purpose, you need to apply to the Bank’s Mortgage loan Special for Foreigners item.

This mortgage product of the bank offers very favorable conditions regarding foreign nationals. Both in conditions of interest rates and the optimum amount of maturity in terms of foreign people living in our country can be found very suitable options.

 

EasyEarn Bank Private Mortgage loan Interest Rates and Calculation

EasyEarn Bank Private Home Loan Interest Rates and Calculation

foreign nationals resident within Turkey or abroad Company Bank customers are offered an array of home loan products. The customer may request the payment strategy according to his / her choice simply by choosing the most appropriate one of these choices. A maximum term associated with 120 months is used for that calculation of private mortgage loans for foreigners.

Interest rates start at 0. 90% and your loan is computed as exempt from BITT and Resource Disbursement Assistance Fund. Using the calculation device on EasyEarn Bank’s standard website, you can review your payment per month installments and the total restrict on repayment for your mortgage loan.

If you choose to use the tool on the bank’s website, you can also analyze your wellbeing according to the places where you invest the most time with the Zingat Life Score calculation device. This tool makes it possible for the customers to be familiar with new projects that will enhance the quality of life by analyzing based on the places where they take more time.

 

EasyEarn Bank Particular Home Loan for Foreigners

EasyEarn Bank Special Home Loan for Foreigners

Although the procedures of banking institutions for foreign nationals differ, in general the main documents needed by the government are apparent. The documents you may request EasyEarn Bank Private Mortgage loan;

  • Payroll, official salary letter or even income document
  • Identity card or license
  • Foreign identification note or tax recognition note
  • Personal examples
  • Certification of residence
  • Documents showing professional details and workplace contact info
  • Extra files that may be requested at the department if deemed necessary

This paperwork must be prepared and posted in the official language from the country of citizenship. Additionally , all documents must be accepted and signed by established institutions. The documents ready in a foreign language should be converted into Turkish by the individuals who are sworn translators within our country and approved by the particular notary public.

Finally, according to the conditions concerning the purchase of an immovable home in the national legislation, it is vital to obtain permissions from the qualified authorities before the sale of the particular deed is realized.

 

EasyEarn Bank Private Mortgage loan Application for Foreigners The right way to Apply?

EasyEarn Bank Private Home Loan Application for Foreigners How to Apply?

Foreign nationals who meet the above problems can apply to EasyEarn Financial institution by providing the necessary documents. They have got the right to apply for this software in person or through an attorney or person they signify. Applicants who have been approved following the examination of the credit use of the foreigners applying underneath the specified conditions can use mortgage loans.