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Immediate loan repayment

Side view of young businessman using laptop in office. Male professional sitting at conference table working on laptop computer.

If consumers have to finance a purchase that is necessary for them and sometimes cannot be postponed, this generally does not pose a major problem – provided that they have a credit rating. The consumer pays off the loan with a payment that is specially tailored to his personal and economic circumstances At the last installment, the loan is then paid off in full.

It is not uncommon for the loan agreement to include an option that allows the borrower to make a higher repayment rate free of charge during the term.

Immediate loan repayment

Immediate loan repayment

However, what is not possible in the context or is very difficult because expensive is the possibility that consumers want to make immediate repayment of their loan. It is certainly understandable if borrowers have a certain amount of cash and then wants to use it to repay their liabilities. Ultimately, every borrower must know that an immediate repayment of the loan is only possible by paying a prepayment penalty.

The bank does not expect the borrower to pay off the loan early and plans the loan installments to be paid in the work process. However, if the customer strives for immediate repayment, the bank escapes the interest payments, for which the borrower then has to pay a prepayment penalty. The amount of this “penalty fee” depends primarily on the outstanding loan amount and the remaining term of the loan.

There are situations in which a borrower has no choice but to make immediate repayment of their loan. This is the case, for example, if the loan is financing a property that is sold during the ongoing fixed interest period. As a rule, the buyer of the property does not take over the ongoing real estate financing, but the existing loans are replaced by the purchase price.

The fact that the rate fixation phase


Also runs with the purchase rarely happens. And then the above-mentioned regulation applies with the prepayment penalty, which can sometimes turn out to be quite significant, especially with real estate financing with a loan amount of several thousand euros.

And in the worst case, the proceeds from the sale of the property are not enough to repay the loans, including the prepayment penalty that is then payable. As a result, the difference either has to be included in new real estate financing or has to be paid off using a “normal” consumer loan.

If you are actually thinking of repaying your loan debt as soon as possible when concluding a loan contract, you should rather arrange a short term with your bank instead of immediate repayment. This is naturally a little more difficult with real estate financing, but with consumer loans, consumers can save the early repayment penalty if they want to repay the loan quickly.


Refinancing of construction loans.


Real estate financing fraud

Real estate financing fraud

Real estate financing fraud cases Real estate financing, cancellation of counterfeit signatures by the bank’s adviser. Dear lawyer, Our litigation is multi-layered, but the bottom line is deciding how we should proceed. The current orders are open and void because they did not meet our expectations; they were not discussed with us, were not available to us before the conclusion of the contract or were signed by us.

All the signatures on the documents received afterwards are imitated (six signatures of which we know today). We found the explanation of the current financing model incomprehensible. After this date, we noticed the other false signatures on the supposedly ongoing orders that were sent to us by e-mail.

To quantify our damage, we were commissioned by a lawyer, but he did not see the contract network continuously. It was also very difficult for him to review the allegedly signed agreements. We were looked after by a former BHW employee and another BHW branch. The answer was later postponed, the process would take a little more time. Shortly before Christmas, we urged to answer, but were again postponed in writing.

No effective loan arrangements 

No effective loan arrangements 

Our pending ineffective contract with possibly very invalid conditions will be continued all the time …….. Our questions: We now want to take legal action against and (“first”) require a response with legal assistance. Hardly any lawyer is familiar with the “tricks” of the BHW construction method and was therefore able to judge in a second work step what sums were withheld from us.

Best regards, This answer is from 19.01.2015 and may not be up to date. Ask now your current question and get a legally binding answer from a lawyer. Dear questioner, On the basis of the information provided, I would like to give you a binding answer to your questions: First, the agreements are not entirely inefficient, but no effective loan arrangements have been concluded.

Please note that the leases are not in effect, but that you are ready to conclude new loan agreements. You also inform us that in the event of an amicable settlement, you will waive a complaint to the Swiss Supervisory Authority and will not file a criminal complaint. Please let us know that if no settlement has been reached by then, you will bring the lawsuit to court and not just report it to the Authority and the Attorney General.

In principle, the specialized lawyer can also file a complaint with the Federal Financial Supervisory Authority and the Attorney General. In answering your question, I hope I have made a clear statement and thank you for the trust placed in me. Dear colleague , We have followed your request, have written the letter and received a negative feedback. Therefore, we appreciate your interest in finding a qualified lawyer in our area.


New Fast Credits without Paperwork.

Today, fast loans are available to customers who may need help with express financing. Many people have seen financing options closed in recent years due to the increase in job insecurity.

For this reason, it only remains to face payments with the few options available. Fortunately, fast paperless loans are the right solution for liquidity problems.

These types of loans are available to all clients who want money on the spot. You just need to fill out a form on the financial page of your choice so you can start enjoying the advantages. Count on them whenever you need a personal request from the financing service page. In this article we will let you know the precise guidelines so that you can decide politely the next time you see yourself in a situation of low economic liquidity.

What is a quick credit without documentation?

What is a quick credit without documentation?

Many people ask us what exactly a fast credit without paperwork is . It is just what it seems, although many people do not quite believe it, because it is too good to be true. However, it is good news for all clients: practically all of us can access this type of loans. You only need to be of legal age with more than 21 years for some entities, demonstrate income (not always required) and have valid contact information (telephone and email). advertisements

The smaller the amount you need as financing, the easier it will be to obtain the loan since it will even be possible not to have to provide proof of habitual income. Isn’t that what you were looking for? As long as you have no unpaid or appear in records such as Financial Credit Institutions you can get a credit without problems in just a few minutes. It is that simple to receive financing just when you need it from the comfort of your home. Thus, the old idea that to request a loan requires all kinds of documentation is obsolete today, all these steps can be done from a computer.

How is it possible that papers are not requested?

How is it possible that papers are not requested?

The lenders know well what they do since they keep up with people’s trends.

While it is true that there are cases in which a person may incur non-payment due to causes beyond their control, it is usually a manageable matter that leads to this situation, such as a bad money management by a client. Large creditor companies do not want to have to chase anyone to receive their fees.

In addition, when someone falls into default, it is usually declared insolvent in order to get rid of the debts they are after. In that case, an entity could no longer access its money and it would be a loss. For this reason, financial institutions have a very controlled entire candidate selection process. They verify the data thoroughly to accept only those candidates who can cope with the fees in a solvent manner.

For this reason, applications can be made without documentation: they already have resources to study your current financial situation. They are worth this type of electronic verification that is immediate because it speeds up the process and is highly reliable when selecting suitable candidates for your financial products. Actually , the approval rate for applications is very high , around 95% in most of the financial ones currently.

If an alternative is not right for you, they will propose another option for you to face the expenses that you have to face as soon as possible. The customer service of these entities is trained to help each person as much as possible.

Is it safe to use this financing modality?

Is it safe to use this financing modality?

Of course. The financing modalities are very safe. They have the computer resources to guarantee the security of your operations. Whenever you have to send personal data you can use a trusted page. You can read more about the security measures on the financial website of your choice, they will clarify any questions you may have in this regard.

Paperless financing is as secure as any other form of immediate credit. Today, several measures are implemented such as data encryption on forms to safeguard all your personal information. You just have to count on them to ask for the right solution for your personal situation at any time of the year. Choose a financial institution prepared to provide you with zero interest in its services.

Request your fast paperless credit as soon as possible

Request your fast paperless credit as soon as possible

As you can see, the procedures without documentation are the order of the day. More and more people rely on these procedures to pay urgent bills, make ends meet and more.

For any problem you may have, you have a reliable solution from the financial institutions at your disposal. It is very safe and you don’t have to wait for queues or study periods.

Today, it is possible to buy online without going to the supermarket. Why wouldn’t it be just as easy to ask for financing from home? That is what the financial institutions that have reduced the interests and procedures of their services aim to achieve to the minimum possible. In a few years, who knows, maybe you just have to ask the mobile for some money. This is how technology advances to make your life easier!

In short, financial institutions are very reliable when it comes to solving problems for their clients. Many people have been affected by the increasing restrictions that banks have imposed in these years. Do not wait for things to go better on their own, it is time for you to implement the solutions you need and the sooner the better. The financial companies that offer interest-free loans will allow you to have a first service at no cost on your part, what more could you want?

Request a loan without paperwork as soon as possible to get the best deals from this type of creditor. At the end of the month, do not reach zero since you have exceptional help that will not leave you lying. Whether to pay a small debt before it generates interest, a fine or make an arrangement at home, loans without paperwork are suitable for you to get ahead at any time of the year.

Apply for a loan while still in Financial Credit Institutions and with no paperwork today to verify the benefits of the personal service. From the financial of your choice, they will guide you step by step so that you can face the necessary payments. Count on the assistance of these experts to improve your experience as a client, do not hesitate to consult any question you may have with us or with your financial institution.

In Prestamospersonalesnet we are here to help you find the credits you need from the comfort of your home. You just have to send us an inquiry to know more about the loans that can get you out of trouble when you need it most.


When is it worth using a credit card?

The also known “plastic money” is a useful tool to manage the payment for purchases throughout the month. But it is not always used wisely. With exorbitant interest when the invoice is not paid or partially paid, it is no wonder that the doubt always remains in the air if it is really worth using a credit card.

Despite the recent reduction in interest rates, they are still extremely high: above 300% per year. Is it a high fee? Yes, no doubt. But the debt risk cannot be attributed to it. The main cause of this is to use the card without any control.

Financial planning: the best debt vaccine

Financial planning: the best debt vaccine

To be worth using a credit card, you cannot give up controlling how much you earn and how much you spend per month. And, more than that, knowing how much of your revenue will already be committed to installment purchases in the following months.

The installments accumulated on the credit card cast finances and are a critical point in the uncontrolled budget. A small purchase here, another median there and a large one with installments in almost a year will compromise any other expenses that need to be made on an emergency basis, for example.

Write down your expenses and, if necessary, consult a personal financial planner. The purpose of this control is to make it clear that the credit card is not a supplementary income to what you earn. On the contrary: it can even become a risky form of payment.

Credit cards without any control and accumulating debts

Credit cards without any control and accumulating debts

As important as registering the movement of money is having discipline to respect spending limits. Resistance to impulse purchases is not really easy, but do you think it is worth using credit cards without any control and accumulating debts?

In order not to take this risk, set a spending cap for this type of purchase per month (always counting the accumulated installments from previous months!).

The less you use the card for that purpose, the better. But if you need to use plastic money, don’t spend more than 30% of your revenue, okay? If you already know that you have crossed the limit, leave home without the card to avoid falling into the temptation of shopping. Also, do not be enchanted by the letters that your limit has increased!

If the invoice is much higher than what you earn per month, the debt is guaranteed. Avoid paying the minimum amount or resorting to overdraft to pay. This way, you will cover one hole by opening another.

If you generate debts with the card, you have 6 steps to get out of them. One of these steps is to use a loan to pay it back and thus pay the loan installments, which usually have lower rates.

And when is it worth it to use a credit card, anyway?

And when is it worth it to use a credit card, anyway?

This payment option is very useful when you prefer to concentrate paying your bills on a date when you will already have revenue available. However, this does not justify paying lower bills on the card. Depending on what is paid, the operator may charge an extra fee.

It is also worth using a credit card to earn miles and take advantage of loyalty programs. If you are traveling, some operators offer insurance, but as long as you buy the airline tickets on the card. Only flags of higher categories offer the service without imposing conditions. But it is the same case from above: be sure to pay everything on the card just to earn more points.

Compare prices and note that there are cases where spending more to get more points – and “winning” something – doesn’t always pay off. It is also worth using a credit card when an establishment does not offer any discount for cash or installment purchases.

Less is more

Less is more

It is worth using a credit card if you are also aware of unnecessary costs, such as:

  • annuity: it is mandatory, but you can always negotiate, especially when you use the card frequently and pay on time (your bargaining power increases);
  • protection coverage: the credit card operator is obliged to reimburse undue expenses on the card by third parties in cases of theft or theft. Some companies state in the contract that the responsibility for the expenses is yours until you block the card and register a police report, but the consumer protection agencies say that, whether or not you pay this insurance, they are responsible for not checking the buyer’s document;
  • scope: has no prediction of when to travel abroad? Then, switch to using the card only in the national territory and reduce your annual fee.

It is worth using a credit card to make purchases over the internet. After all, you never know if your order will arrive, do you? The card ends up serving as a guarantee for the purchase to arrive and helps with the cancellation, if necessary.

Another point is that card operators often offer car rental insurance. In the debit, a more expensive security deposit would have to be made in order to withdraw the car. This would be another expense that there is no need to bear and, in this case, it would be worthwhile to use a credit card.


Confused How to Credit in Bank?

Portrait of two middle age women sitting at office park while on coffee break. Businesswomen relaxing while drinking coffee and chatting with each other.

It looks like a marketplace in Indonesia, making it easy for us to get everything we need. You can get everything you need from shoes, clothes, and even electronics. With shopping online you will never have to bother outside. Just download the app and select the items you want. It’s easy right? But what if you spend a lot of money and still want to shop online ? Hi guys, Good Finance has a payment system with an installment system that you can use for payment systems with the installment system.

Having a payment system with an installment system will certainly make it easier for you to keep spending but your spending is high or your loan term is long but the discounts offered by Good Finance are begging you to keep shopping because you missed it?

Make sure you already have the Good Finance Application

Make sure you already have the Good Finance Application

The first way to credit to Good Finance is to have the Good Finance app on your smartphone . If you do not yet have the Good Finance app, you can download the Good Finance application on the Playstore or AppStore , then select ‘Sign Up’ to create the Good Finance account.

You are required to provide personal data such as your full name, address, and telephone number. You can skip this step if you already have a Good Finance account. All you have to do is just log in using your e-mail or username.

Select the Items You Want

Once you have registered and have an account, the next step for credit at Good Finance is to select the items you want. There are many categories of items you can choose from. From women’s fashion , men’s fashion , children’s clothes, electronics, food and drinks, tastes and even concert tickets you can buy them at Good Finance. Just stay tuned to what you need.

Select Credit Card Payment Method

Select Credit Card Payment Method

The way to credit at Tokens without the next credit card is that before you go through the checkout process, make sure you apply for a credit card first. There are many credit card options that you can choose from with the one you have.

Then remember to also fill in the details of your credit card information, such as credit card number, expiration date, and CCV number. If so, after applying for a credit card, you can return to your shopping cart and go through the checkout process for the item you choose.

Activate Credit Card Discharge Button

The next step to do is you need to enable the ‘Credit Card Installation’ button at the bottom of the information you have entered to select the installment payment and you can also select the desired installment duration.

There are several installment duration options You can choose from usually the 3 month, 6 month, and 12 month installment options with a minimum of different installments on each credit card.

Click Pay

Click Pay

After activates the credit card installment, all you have to do is hit the pay button below. Then the Good Finance system will be connected to the bank system. Once everything is connected, you’ll get a 3D Secure Authorization Code ( bank).   All you have to do is enter the code and click OK.

If you are new to E-Money credit cards have some great credit card options for you, check it out!

There are many credit card options that you can choose from, but which one is best for beginners? Everyone is interested in getting a credit card but before you decide to make a credit card, ask yourself if it works for you? It all depends on whether or not Buddy uses credit card. Friend should also take full responsibility for your credit card.


Debt restructuring despite credit bureau

Credit bureau is the most common reason for rejecting loan applications in Germany. Because if this is negative, the banks and savings banks do not see sufficient creditworthiness and therefore no reason for the granting of a loan. It is completely irrelevant for what reason the credit bureau is negative and whether this reason has already been eliminated or can be eliminated quickly.

If credit bureau is negative when asked, this will also have a negative impact on the application for the loan. For this reason, it is in your own interest to query your own credit bureau before taking out a loan and see how it is doing. If everything is good, hardly anything will go wrong with borrowing. However, if the credit bureau weakens, then you should make sure that you correct the weaknesses before the admission to increase the chances of a loan.

Debt restructuring as a special situation

Debt restructuring as a special situation

Debt rescheduling is a very special situation when borrowing. Therefore, bad credit is even worse here than with conventional borrowing. A debt restructuring despite credit bureau is only possible if you take a few things into account and adjust them in such a way that the bank learns nothing of the negative credit bureau. This would be possible, among other things, if the debt restructuring is carried out with a guarantor despite credit bureau.

This is necessary if you are looking for a new bank for debt restructuring and do not stick with the one that provides the current loan. In addition, the guarantor must be able to be named if the debt restructuring is to be carried out despite credit bureau, because a lot of debts have accumulated over time and can only be managed if they are combined in a loan.

Debt restructuring without a guarantor

Debt restructuring without a guarantor

Without a guarantor, debt restructuring could always work despite credit bureau if a loan already exists and you can simply continue to use this offer. A debt rescheduling does not mean that you have to change banks or that the old offer is so bad that it can no longer be used. Rather, debt restructuring is offered at regular intervals to give the customer the opportunity to probe new offers and possibly use them for themselves. However, you would only ever access it if you really improved. The negative credit bureau would most likely not improve, so you are well advised if you simply continue the old offer and do not change providers.


Calculate Loan Interest with a Bank Calculator

Do you need additional funds but are afraid of an online and sometimes burdensome online loan interest? There are a number of landlord loan applications that are sloppy in stating the loan lending.

Worse, there are illegal online lending applications (not registered with OJKs) that do not provide loan lending transparency.

Apps like these are what make people afraid to take advantage of online loans from Good Finance.

Fortunately, on Good Credit, you can calculate the interest rate, find out the due date, and the total amount of future payments.

Take advantage of the following Good Credit loan interest calculator


Select an existing loan product to find the interest. Available products: $ 600 (14-day tenor) and $ 1,200 (14-day tenor) . Only for the $ 2,300,000 loan product, You need to download the Good Credit app on the Play Store

You will find information about:

  • Service charge: a deduction of the service charge that is payable each time you apply for a loan
  • Net disbursement: the money to be credited to your account
  • Payment total: the total bill you must pay
  • Due: billing date

Once you find out your billing information, you can also apply directly through this platform!

But why is it important to know the loan interest before applying for a Good Credit:

So that the interest rate on the loan is not burdensome

So that the interest rate on the loan is not burdensome

Good Credit online loans offer a wide range of loan products. From the lowest of $ 600 to $ 2,300. It is often the case that when you reach a high loan limit, you are tempted to lend a favor with the biggest product.

By calculating loan interest rates, you can better understand how much your basic loan plus interest rates and the service fees you have to pay.

So the loan you are going to apply will be in line with your needs and abilities.

In order to prepare the refund

One of the benefits of knowing the interest and loan tenor before applying is predicting the ability to pay in a timely manner.

The length of tenor on each loan product can make you a prepayment for payment. You can also use the following information to determine when it is best to apply for a loan.

Typically, a strategy that many borrowers use is to lend by repayment due after the loan day.

This way, the availability of funds to pay off your loan bill is guaranteed!

So it’s not too late to pay the bills

Payment information can also be used as a reminder to pay your bills so you don’t have to be late.

You don’t want to be late paying the bills, because …

  1. You will be fined late
  2. Your credit history is bad. So the next loan approval rate will decrease.
  3. Activity will be interrupted as CS will continue to remind you to pay the bill.

Let’s calculate your loan interest with the Good Credit calculator so that your loan funds are well-targeted and not burdensome!