Bad Credit Loans Guaranteed Approval Online -Sub9deathmarch.Com Thu, 28 May 2020 18:11:04 +0000 en-US hourly 1 Business loan instead of consumer loan Thu, 28 May 2020 18:11:04 +0000 Continue reading "Business loan instead of consumer loan"

The Consumer Credit Act last year was supposed to eradicate the practices of unfair lenders. But they quickly found a way to get around it. Instead of consumer credit, they offer business credit, which entails certain risks for clients.

Unreliable lenders provide credit to people in need who hurry to raise money under certain conditions. Clients force themselves to establish a trade license and create a business plan, although they do not plan to do business. These companies rely primarily on the lack of awareness of their clients, who instead of consumer credit offer business loans.

The supply of these loans continues to increase

The supply of these loans continues to increase

Last year alone, The Financial Arbiter handled several hundred such cases. These are primarily non-banking institutions that do not have a license whose scope does not, therefore, apply to them. However, unfair behavior can also be found in companies that have a license.

The problem is that clients who take out a business loan are not protected by the Consumer Credit Act. This means that, for example, in the event of a delay in repayment, penalties may climb to unbelievable amounts, as there is no limit to the amount of the penalties for delay. Also, it is often not possible to repay a business loan prematurely.

Other ways to earn on clients

Other ways to earn on clients

The Consumer Credit Act, by allowing loans only to companies licensed by Good Finance, significantly reduced the number of credit companies. Most current companies meet the conditions set by law. Nevertheless, it is worthwhile to be vigilant when negotiating a non-bank loan.

Providing business loans to people who do not or do not intend to start is not the only way that some companies try to avoid regulation. Many of them, for example, suspiciously change their headquarters and company name in an effort to do business on the edge of the law and make money on unsuspecting clients.

People in need are most at risk


The most vulnerable clients are people in financial distress who need to get money as quickly as possible. Companies rely primarily on their ignorance, and it is much easier to convince a person in need of a loan.

Moreover, after signing the contract, the client often finds that even with interest, he plays up to twice the amount borrowed. This often leads to a so-called debt spiral, which causes other serious problems.


Online loan simulation to avoid surprises Mon, 29 Apr 2019 13:18:33 +0000 Continue reading "Online loan simulation to avoid surprises"


A simulation of the installment of a personal loan can become very useful if you do not know which financing offer to choose.

A simulation of the installment of a personal loan can become very useful if you do not know which financing offer to choose.

This is a difficult decision: very often, requesting a loan means having to face the monthly repayment of installments for a period that can last up to several years. When choosing the loan to be accepted, therefore, it is better to be well aware of how heavy the repayment will be. Fortunately, there are many online calculation tools that provide us with different simulation options, highlighting the most important aspects of financing.

The first suggestion when a personal loan must be contracted is always to compare the most interesting offers , which can vary, for the same sum received, for interest rate (fixed or variable), duration of the amortization plan and frequency of rate. These are all elements that affect the amount of the single installment. The comparison, however, can be complex if we are faced with abstract figures and interest rates, which do not give a precise and immediate idea of ​​the weight of the loan. Better to focus on a concrete aspect: how much will each installment cost?

To obtain this result, just use one of the many online calculation tools , which allow you to highlight the weight of the installment by entering few easily available information: the amount received on loan, the interest rate, the duration of the loan, the repayment rate. Regarding the interest rate , pay attention to what is required of you: the TAN or the APR, which is slightly higher because it also counts the ancillary expenses to be faced in order to obtain a rapid financing.

Depending on the calculation tool you have chosen, you can have several options for simulating the loan installment. For example, some specialized websites offer a complete amortization plan, in which the exact composition of the single installment is also reported. In this way, not only will you know how much you will have to pay for each individual installment, but also how much each time the share of interest will be compared to the capital to be repaid. You will then be aware of how much the bank will get from your every payment.

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Why can the business loan be considered an investment? Sun, 14 Apr 2019 15:32:37 +0000 Continue reading "Why can the business loan be considered an investment?"

Terms such as borrowing, taking credit and other synonyms that apply to the action of borrowing money and then paying it in installments with interest are forbidden by many entrepreneurs.

In some cases, employees who suggest this credit strategy for the time of business have their intellectual capacities seriously questioned. But does a thought so ingrained fit the profile of so-called entrepreneurs?

Of course the easiest association to make with regard to loans is that about taking out expenses and getting worse, but that is not always the case. In this post, we show you how the loan can really boost the results. Check out.

Importance of having balanced accounts

  • Situations in which the loan brings returns to the business
    • Investing in optimization and cost reduction technologies
    • Facilitate the payment of more expensive debts
    • Unblock the business for tax, tax or labor issues
    • Securing tax deductions

Importance of having balanced accounts

Accounts up to date. This is a good point to start this discussion, because, most of the time, it is the justification of the entrepreneurs not to take credits in the market.

Nowadays, having a scalable business is one of the most important characteristics to succeed in business, after all, having few fixed expenses and capacity to serve more customers means only increased earnings.

However, in order to reach this point, one must find balance, including financial. Whether it is to hire resource optimization technologies, or to increase inventory to meet an opportunity that arises, a loan can help in finding that ideal spot.

And yes, exchanging a more expensive loan for a cheaper one is a way of putting order and strategy into the company’s accounts.

Anyone who wants to progress knows that there is no business without monthly expenses. The idea is to make them fit in the budget instead of stifling their efforts.

Situations in which the loan brings returns to the business

Situations in which the loan brings returns to the business

Considering that it is possible to achieve this balance by borrowing, let us look at some situations in which they will enter the strategy equation positively.

Investing in optimization and cost reduction technologies

At all times, innovations come to market that are able to optimize processes and reduce costs.

If you needed to have a full team to do marketing management, for example, today automation solutions analyze customer behavior, interact as if they were people on social networks, and even fire emails to specifically targeted audiences.

That is, while they increase the quality of the interactions, they convert more sales by their efficiency in the treatment of the data and still reduce the cost with the skilled labor. And such solutions spread throughout the organization chart of companies.

Facilitate the payment of more expensive debts

The Brazilian economy is experiencing ups and downs, which in some cases compel entrepreneurs to make more difficult decisions in order to minimize problems.

In more prosperous times, however, it is possible to seek credit solutions that are more advantageous than those previously contracted. Thus, swapping a heavier debt for another that frees up the company’s investment capacity is also a good deal.

Unblock the business for tax, tax or labor issues

Speaking of difficult decisions and decisions, in some cases, they also end up involving a default situation with taxes and mandatory contributions to the government.

It turns out that, with the end of the cycles, the assessment of the supervisory entities can prevent the continuity of the business operation. In these critical moments, the loan is also seen as an investment for the business to stay alive and able to recover its results.

Securing tax deductions

Still considering institutional relations with the government, borrowing from credit institutions, such as Nexoos, allows the company to have a tax advantage for the use of third-party capital. The amount used is deducted from that in which the calculation for the collection of the tax is levied.

The loan will always be valid when the return it brings is more advantageous than its costs. For this, the analysis of its conditions must be carried out judiciously and always considering the financial capacity of the business.

This is the philosophy of Nexoos, which connects entrepreneurs with potential investors: offering credit conditions that boost business.

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100000 Euro Loan – Request Rate – Unbureaucratic & Secure Tue, 09 Apr 2019 10:58:40 +0000 Continue reading "100000 Euro Loan – Request Rate – Unbureaucratic & Secure"


Are you planning to borrow 100,000 Euros ? Freely usable, so that you achieve your personal goals barrier-free?

Use, without obligation and undisturbed, the comparison calculator. Still uncertain? After all, you do not take credit, 100,000 euros every day?

100000 Euro credit – get it right

100000 Euro credit - get it right

The desire for high credit, 100,000 euros is a lot of money, is no coincidence. Only people who really have “big things” in mind dare to use such credit sums.

100000 Euro Credit – to finance the big things in life safely

For example, they acquire residential property. Not infrequently, there is also the desire to fundamentally renovate the existing property once.

Together, the 100,000 euro loan in both cases is the future-proof investment. Many now refer to real estate as concrete gold.

Home ownership is the safest retirement plan. At the same time recognized store of value.

Inhabited and well-kept houses do not lose their value. The value increases slowly but steadily.

This means that the property is the safest form of securing a loan. Of course, that remains that way, although the credit is 100,000 euros freely usable.

Provider search – simply to the bank does not work

Provider search - simply to the bank does not work

So easy “just” go to the bank, quickly get 100,000 euros loan, which works in most cases not. It does not even have to be the personal credit rating, which makes the credit request a big deal.

Because really big credit, 100,000 euros are guaranteed to do so, not all banks are clearing up. For many local providers it stops with the loan for free use already at about 30,000 euros.

Many direct banks draw the final stroke around 50,000 euros online. The lenders, who do not think so “shirt-sleeved”, but also dare on large loans, discover potential customers in the affiliated credit comparison.

Freely usable without restriction. If you want, you can then put the money in your pilot training or the world tour.

However, without adequate proof of credit the way is rocky.

Credit comparison – favorable interest rates and desired rates

Credit comparison - favorable interest rates and desired rates

The credit comparison not only gives an idea of ​​which bank is willing to lend 100,000 euros of credit for free use. At the same time, the providers disclose the terms on which they grant the loan request.

Interesting is not the view of the low entry rates. With the credit, 100,000 euro freely usable, it starts from 2.95 per cent effective annual interest.

It is much more interesting to compare the 2/3 example. According to the price regulation, the example shows which credit conditions actually apply to 2/3 of the customers.

In addition, it is important for the loan is not 100000 euros in this case, the rate is the rate. By adjusting the running time, the desired rate can be influenced.

But, always remember, the longer the term, the more compound interest increases the cost.

Interest examples – credit 100000 euros

Interest examples - credit 100000 euros

In principle, the term of the installment loan is between 12 and 144 months. Most applicants take up very high credit with 84 or 120 months of credit. If, for example, 100,000 euros of credit are to be financed for 84 months, the offer could come from Postbank.

Starting at 2.59 percent APR, lending is possible. According to a representative example, Postbank customers pay for their loan, 100,000 euros – 84 months’ duration – 5.59 percent APR.

This leads to a monthly installment of 1,434.71 euros. A total of 120,515.86 euros will be repaid to cover the loan after 7 years of repayment.

The bottom line is thus 20,515.86 euros borrowing costs.

Select small installments – 120 months duration

Select small installments - 120 months duration

Small installments relieve the budget. Moreover, they basically make the loan safer. After all, a small mandatory rate in an emergency is still easier to “scrape together” than a higher total.

That’s why a 120-month term (10 years) with 100,000 euros credit is probably the better choice. The right offer could come from credit bankive.

According to a representative example, Cerditplus customers pay for their credit, with a term of 120 months, 4.99 percent pa Effective interest rate is calculated at a monthly rate of 1,054.77 euros.

So almost 400 euros less than in the first example. In total, borrowers pay back € 126,572.33 in 10 years for € 100,000 loan.

Below the line of the interest calculation thus financing costs in the amount of 26.572,33 euros.

Credit in difficult cases – extra credit

Credit in difficult cases - extra credit

High credit, 100,000 euros in the example, does not always flow into a new project. Credit in difficult cases is mainly in demand for rescheduling.

Problems where the rate load drives debtors to the performance limits. Exactly in such cases the Con Prassem Bank can become a problem solver.

The required 100,000 euro loan, should be financed even with a duration of 144 months. However, risk loans cost a high interest.

According to 2/3 example borrowers pay 15.95 percent APR.

Apply safely – strong brand approved

Apply safely - strong brand approved

Hand on the heart. With 100000 euro credit really nothing should be ignored, otherwise it will be expensive. Of course, to get a personal impression of yourself is right.

But it is also advisable to assure yourself of professional assistance. Creditend offers exactly that. Simply risk-free, even strong brand tested sure to make the loan application.

The application leads to Creditend. Creditend examines the desire for credit, according to the benchmarks of the banks in comparison, but carefully before fast.

The portal develops suitable proposals and calculates the real credit opportunities for applicants. It is no problem to qualify immediately for the desired loan.

If, according to the application, there are no opportunities to receive the desired 100,000 euro loan, Creditend will also state this clearly.

Tips on how to improve personal credit opportunities in difficult cases, there is free.

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Personal loan simulation: comparison and calculation of the installment Wed, 13 Mar 2019 12:43:17 +0000 Continue reading "Personal loan simulation: comparison and calculation of the installment"


You need liquidity and you have to ask for a personal loan, but is it difficult to move between the various offers to choose the most convenient one?

You need liquidity and you have to ask for a personal loan, but is it difficult to move between the various offers to choose the most convenient one?

With a simulation of a personal loan you will have the opportunity to choose the financing offer that best suits your needs. Today, there are many loan proposals, especially on the web, where it is easy to lose orientation among the many offers that appear after a simple search on a search engine. Going deeper into the analysis, you can see many categories of loans, which could confuse the user: subsidized loans, targeted loans, loans to young people, loans with a fifth sale and many others. In addition, even traditional banks have equipped themselves to attract new customers on the web. How to understand which is the best loan?

As already done in the case of mortgages, we recommend a simple online comparison and calculation procedure of the loan that was proposed to you. Whether you have turned to a bank or have noticed a particularly convenient offer on the web, it is always good to calmly analyze its characteristics before signing and accepting the conditions: each loan is accompanied by an interest rate to be paid to those who it has disbursed it and an amortization plan that can provide more or less flexible repayment installments.

The first step therefore consists in comparing the loan of our interest, using one of the many web portals specialized in this function. These specialized sites make it possible to compare financing offers from different banks and online lenders, highlighting the differences to users immediately. Not only that: if you focus on the loan category you are most interested in, it is possible that the portal also proposes the best solutions for that type of financing. Be careful though: the offers that appear on these sites could be sponsored.

Once you’ve compared your loan with other online offers, it’s time to calculate the weight for our pockets more accurately. Also in this case, the operation can be carried out online on one of the many loan calculation sites. These systems require you to enter some information that is easy to find, such as the amount received, the interest rate, the duration of the loan and the frequency of the installments. With these available data, the simulation of the personal loan will be completed with the presentation of a detailed amortization plan, which could also distinguish between the interest expense and that relating to the repayment of the capital.

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Non-interest-bearing loan between private individuals Mon, 11 Mar 2019 12:50:06 +0000 Continue reading "Non-interest-bearing loan between private individuals"




An interest-free loan between private individuals may not provide for the payment of an interest rate, but your contract must be drawn up according to precise indications: the risk is in fact that the Inland Revenue believes that it is a suspected undeclared income, on which the payment of penalties could also be pending. Despite this danger, in times of economic difficulty or when you have immediate liquidity problems, contacting family members or trusted individuals could be an easy solution to obtain financing, if you don’t want to or can’t (see the case bad payers) turn to traditional credit institutions, such as banks.

Unlike a personal loan, the non-interest-bearing loan is in fact easier to obtain

non-interest loan

First of all, we are talking to people with whom we are connected by a family relationship or trust, who are available to help in a moment of difficulty. Furthermore, no particular guarantees should be presented, nor should an interest rate be paid: for this reason the loan is called “non-interest-bearing”, given that it should not guarantee a remuneration to those who provide it, as long as the latter does not make special requests .

Just to certify the conditions of the loan, it is better to draft a document that certifies the loan

Another important reason to carry out this operation is to make sure that the tax authorities do not consider that undeclared income , and therefore a penalty is paid: the anti-money laundering regulations that came into force in recent years have in fact tightened the controls on current accounts and suspicious revenue. If there is no documentation to attest that it is a loan, you really risk incurring the negative attention of the Revenue Agency. It may however be sufficient that the loan constitutes an occasional payment and is made through a transfer to a current account with very clear reasons.

Otherwise, the solution to avoid any problem with the non-interest-bearing loan between private individuals is to draw up a private document at the time of disbursement. The document must contain the personal data of the contracting parties, their tax identification number, the repayment terms and repayment deadlines, the purpose of the loan and any other clauses envisaged between the parties, such as penalties for late payment or interest. This document must be signed on each page and show a certain date: the stamp of any Post Office may suffice. The private writing must then be registered with the Agency (with relative payment of the registration tax) or exchanged between the parties by registered letter with return receipt.

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Short-term loans: what are they? Duration and various types Thu, 21 Feb 2019 14:13:17 +0000 Continue reading "Short-term loans: what are they? Duration and various types"


Short-term loans are provided by ordinary credit institutions in the form of cash or signature credits.

Short-term loans are provided by ordinary credit institutions in the form of cash or signature credits.

These are banking transactions whose contractual deadlines must not exceed 18 months . Also the so-called revocable bank loans, or those granted with an undetermined maturity but on which the bank reserves the right to request the repayment of the sums paid out, are included among short-term loans.

With short-term financing with cash credit, the banks provide the customer with a set amount of money. Cash receivables include the current account overdraft, the discount on the commercial portfolio and the advance on invoices and bank receipts.

The current account overdraft is a short-term loan with which the bank makes available to the customer a precise sum on a current account. The accredited person can use the credit multiple times but must maintain a balance between withdrawals and remittances. The credit facility granted may be uncovered, or without guarantee, or guaranteed, or granted against a specific personal guarantee (surety, pledge, mortgage).

The current account overdraft is one of the most used short-term loans and consists in the possibility of using the amounts made available by the bank at any time and is clearly a very convenient credit line for companies.

The discount on the commercial portfolio is one of the short-term loans and consists in the conversion into money, or in the disinvestment of the credits connected to the performance of the activity which must however be incorporated in a document of a nature of a nature. This means that with the discount of the commercial portfolio the banks anticipate to the customer the amount of a credit to third parties not yet expired. The customer must then transfer the credit to the bank with the obligation, however, to repay the sum advanced in the event of the debtor’s insolvency .

Advances on invoices and bank receipts are a type of short-term loan that is granted upon presentation of the relevant documents. However, bank receipts and invoices are not like bills of credit instruments, but documents attesting to the existence of a credit and therefore the right to collect a precise sum.

Provided that the customer is considered reliable, the bank will then decide whether to grant the advance subject to collection on commercial invoices or bank receipts. It is a widespread operation, which has replaced the discount of bills and requires that the bank ascertain the economic and financial conditions of the company before crediting the sum corresponding to the value of the documents presented.

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Loans with guarantor without payroll and bad payers Wed, 06 Feb 2019 13:39:27 +0000 Continue reading "Loans with guarantor without payroll and bad payers"


Loans with guarantor are a form of subsidized financing, aimed especially at those who cannot demonstrate consolidated income to the bank.

 Loans with guarantor are a form of subsidized financing, aimed especially at those who cannot demonstrate consolidated income to the bank.

When a financial institution is preparing to provide a loan, in fact, one of the first actions it performs is the control over the economic solidity of the applicant. For this reason, the loan request must always be accompanied by documents certifying your financial situation: usually, the last pay packet is required, which shows a constant revenue stream, and the unique 730 model, which instead certifies the status general of our finances. For this reason, it is easier for an employee to access a loan than a freelancer or who can only enjoy occasional jobs.

The help from a guarantor can facilitate access to credit even those who do not present a pay slip to the bank. This figure supports the debtor and, if the latter fails to pay the installments, intervenes, replacing it. If the guarantor can demonstrate a satisfactory income for the bank’s needs, this can certainly help the first applicant to obtain more favorable terms. But we must remember that a mere guarantor might not be enough to get the loan, but other guarantees could be required.

Despite its usefulness, it is necessary to carefully describe the functions required of the guarantor and the risks he takes on by accepting this role. First of all, the guarantor’s intervention must only be extraordinary: his support is required if the debtor is unable to pay an installment, thus starting the bank’s request to the guarantor. However, the guarantor should not be expected to completely replace the debtor: indeed, in a normal situation, the guarantor should not even be called to actively participate in the repayment of the loan.

Are there risks to the guarantor ? If the debtor does not pay, the guarantor is in any case obliged to replace it. If he did not do so, he would risk being himself reported to the Central Risks as a bad payer , thus jeopardizing his chances of obtaining a loan in the future. For this reason, if you agree to participate in loans with guarantor, it is important to be constantly informed about the status of the repayment and the repayment plan, so as to avoid unpleasant surprises. Finally, if you are a guarantor of a loan, this in any case affects your economic capacity: this means that if a loan is required, the mere fact of covering this role could push the bank to ask for more information on your economic situation.

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