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Personal Loan of the Fifth Loan – The Loan for Me | Payday Loans

 

The salary assignment consists of one of the most common forms of loans between employees and pensioners. The reason why this guaranteed personal loan has spread so much is quite simple: it is a comfortable, safe loan, which is generally also granted to bad payers and now we will see why.

 

Unicredit SpA, a leading bank in Italy with more than 4,400 branches throughout the country and over eight million customers, provides this type of financing among its products for families, private individuals and retirees.

The personal loan of the fifth Unicredit consists of a personal loan, not finalized and guaranteed. It is a simple loan, no asset or property guarantees are required other than the pension slip or the pay slip; it is flexible, we must not justify the request for the sum.

The personal loan assignment of the fifth Unicredit is granted to public and private employees with permanent contracts, in the maximum sum of 72 thousand euros for the public employee and 47 thousand euros for the private employee.

For the pensioner, with INPS agreement, the maximum sum payable is 69 thousand euros.

 

The particular characteristic of the assignment of the fifth consists in the fact that:

 

The particular characteristic of the assignment of the fifth consists in the fact that:

 

  • the monthly payment that is debited on payroll or pension slip, by law, cannot exceed 20% of the net amount;
  • the sum of the installment is automatically debited by the institution of the pension or by the employer on the pay slip / pension slip. In this way the installment is transferred to the finance company from month to month but not from the debtor, but from a third party. So this is a guarantee for the bank, which tends to trust more and more easily grant the loan.
    In fact, the financial institution is covered by the risk of forgetfulness or default by the worker or pensioner because the installment is paid directly by the employer or the pension institution.

The maximum duration of the personal loan for the transfer of the fifth Unicredit is 10 years, therefore 120 installments. The money is paid in a single solution by bank draft, by bank transfer, etc.

The loan rate remains fixed throughout the depreciation rate.

 

The loan rate remains fixed throughout the depreciation rate.

 

In general, the personal loan of the fifth Unicredit is also accessible to bad payers: this is because the only guarantee is the salary or pension and in general no others are required, even if the bank always reserves the right to evaluate the granting of the loan subordinating it to the presence of certain requirements of the aspiring customer.

4 Reasons to Get Rid of Debt Now } Credit Consolidation

 

Every person who is wrapped up in financial problems in life must feel depressed and lose confidence and feel constant uncertainty. They continue to look for ways to increase income to be free of debt. Life will feel better if there is no debt because not only is the credit history affected but debt can also reduce the quality of life. Without debt, your life will be free of stress and feel happier. Your feelings will feel more comfortable and your mind will be lighter. Apart from this, here are 4 reasons to be free of debt now:

 

Increase Self Confidence

 

Increase Self Confidence

 

 

Increasing self-confidence seems to be one reason to be free from the most obvious debt. In the absence of debt, you will gain confidence again and improve quality of life. You will trust yourself with no more debt attached to you. Life without debt can make you happier because there is no debt burden that undermines you again. You can buy items that you were not able to buy because they paid off debt and allocated money to make yourself happy. The level of anxiety a person has is equivalent to the amount of debt he has. If you still have debt, confidence will gradually disappear because of the debt burden that cannot be controlled. Therefore, immediately commit to paying off your debt so that you are more confident.

Reach Your Goals Back

 

 Reach Your Goals Back

 

Having debt means you have to pay the debt and also the interest on the debt. Unfortunately, that also means you can only use a little of the money you get. If you live without debt, you don’t need to give your money to banks and credit card companies. Your income will increase and you can use it for a pleasant vacation, buying a new car, or anything else that you couldn’t buy. You can for example resume school, start delayed medical treatment and improve the quality of life with better finance without debt bondage. There is no longer a feeling of not being able to buy because income is only focused on paying off debt. Without debt bills, you have a lot of time and money to do what you like, improve your home according to your dreams, and be more motivated to increase income.

Fix historical IDI

Paying off debt arrears will affect your credit history and increase your score on Historical IDI. Your name in a banking institution is great again. In the future, you will be easy to get credit. There is no harm in using credit as long as you can use it responsibly. (Also Read: Do These 3 Things After Passing BI Blacklist).

Note: As of January 2018, the entire BI Checking process to obtain a Historical IDI can no longer be accessed through Bank Indonesia. You can get it through the Financial Services Authority (OJK) in the Financial Information Service System (SLIK)

Welcome to Savings!

Being free from debt bondage means increasing your chances of controlling your finances. You no longer need to prioritize finance to pay off debt but you can allocate it to increase savings. Imagine what you can do with a savings account that doesn’t have to be allocated to pay off debt. You can save for your future or family’s future. You can start investing in homes, land, jewelry or can invest in the education of your children. If for example per month you have to pay a debt of three million rupiah, now you can allocate three million to save and will produce 36 million per year.

A high commitment and desire will help you to pay off your debt and be free of debt now. Life will feel lighter if you can be released from debt bondage. In addition, you can allocate income for the needs you’ve dreamed of.

After knowing the various reasons to be free from debt, now is the time for you to take the first step towards a debt free life. If you want to take this step, you can use a company that provides a debt management program so you can be freed faster from debt. This company has a professional and experienced team, which can help you in developing a strategy to resolve which types of debt must be completed first, accompanied by attractive relief. One company that can help you to get rid of debt is Dorothea Brooke.

Dorothea Brooke International is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Dorothea Brooke Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Dorothea Brooke Indonesia’s headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Dorothea Brooke has made Indonesia a center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Dorothea Brooke Indonesia has become the first company in Asia to get accreditation from the International Association of Professional Debt Arbitrators (IAPDA).

Try These 4 Ways When You Can’t Pay Credit Cards

 

There are various reasons that can be the reason why someone cannot pay a credit card. Some are common, for example because of the backbone of the family of the deceased, a business that has a large loss, a disaster, or even just because of spending without control. These reasons can lead to nightmares that allow you to deal with the bank. When not able to pay for a credit card, customers must be more sensitive to finding various ways that can be done so they can quickly be free from the problem.

Stop Using Credit Cards

 

Stop Using Credit Cards

 

The first way to do this is of course by stopping the use of credit cards at all. Avoid carrying a credit card when you are going to travel, so you can avoid yourself being easily tempted to shop. Usually the magnet that causes the use of credit cards is soaring because there are offers that are obtained while traveling, and of course when there is no intention at all to shop. The higher the transaction, means that it will impact on your bill that is soaring. This will certainly make you increasingly unable to pay credit cards. Therefore, the best way is to keep your credit card in a safe place, and avoid carrying the card so you can better resist the urge to shop.

Cut Expenditures

 

In addition to stopping using a credit card, another step that needs to be done when not being able to pay credit cards is to start cutting expenses. Try to see what expenses you always make every month. Then, evaluate all of these expenses, making sure that each fund allocated to each type of expenditure is sufficient. If you haven’t already, try to cut one by one every unnecessary expense. On the other hand, you can also begin to recalculate the allocation of funds that need to be spent on each expenditure.

Freelance, Freelance, Freelance!

Freelance, Freelance, Freelance!

 

 Cutting expenses already, means it’s time to start increasing income through freelance jobs . Start to be more sensitive to opportunities that can help you to increase income. Of course to take advantage of the work, you also need to be more sensitive to other skills within yourself that have not been explored. Opportunities for side jobs such as translating articles from English into Indonesian, authors of blog articles, graphic design, or you can also add side jobs through skills that are often applied to your daily work. For example, if in your daily life you work in administration, try to be a side job in the field of data entry. Similarly, if for example as a tax staff in the company where you work, try to become a side job as a tax consultant for other acquaintances outside the company.

 

Close Credit Card

Close Credit Card

 

If you can’t pay your credit card anymore, then you should close the credit card. This can be done so that you don’t fall back into the same hole. Unfortunately, when closing a credit card, customers will be faced with a number of problems. Generally, because they don’t know how to close credit cards. Especially before closing the credit card, they are also obliged to use the remaining rewards, deactivate payment of auto-debit bills, and of course they must pay off all remaining arrears.

Unfortunately, the problem is of course, because the customer does not have the remaining money to pay for the remaining debts that are still running. Of course, because usually customers already can’t pay credit cards first. The step you can take is to use a relief program to pay off credit card bills with a one-time discount or low-interest installments with extended tenors. You can get this relief program through a company that provides a debt management program.

Companies that provide debt management programs will help you to provide the best strategy so you can be freed faster from debt. This can be done by looking at the ability to pay and the financial conditions that you are facing. Why so? Because companies like this are usually filled by a team of professionals and more experienced in negotiating with the bank so that you can get a better program for you.

Sutpen family international   is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Sutpen family indonesia helps clients through a debt management program, specifically designed according to different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Sutpen family Indonesia headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Sutpen family makes Indonesia the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Sutpen family Indonesia has become the first company in Asia to get   accreditation   from the International Association of Professional Debt Arbitrators (IAPDA).

Cash Loan at Bank

 

Simplified procedures, quick decision, no need to present a goal – all these features describe the Santander Bank Polska Cash Loan. Let’s check then whether the other parameters of the offer look equally promising.

From a wide range of loans for current needs, offered by Santander Bank Polska, we chose the classic cash loan. This choice is not accidental, as it offers both a high amount of liability and a long repayment period. These parameters allow better matching of the offer to the current financial situation of the potential borrower.

 

Terms of cash loan at Santander Bank Polska

 

Terms of cash loan at Santander Bank Polska

Available amounts and repayment period

Persons interested in a Santander Bank Polska Cash Loan can apply for an amount ranging from PLN 1,000 to PLN 150,000. The upper limit must correspond to 20 times the net earnings of the applicant. The loan period ranges from 1 to 120 months.

Interest and commission

Both nominal interest rate and commission depend on many factors defined by the bank, ie the potential loan amount or the result of customer creditworthiness analysis. The fixed interest rate is in the range from 4.99% to 10.00%. On the other hand, the commission for financing is consistently 9.99%. This fee can be credited.

Other fees related to the loan

The use of the Santander Bank Polska Cash Loan does not require the creation of a personal account, but account holders may avoid having to present a certificate of income. The borrower may insure the loan on a voluntary basis, using one of the two protection options offered by the bank.

Required documents

Persons ready to submit an application for a Cash Loan at Santander Bank Polska should have the following documents and information:

  • ID card
  • certificate of employment and earnings
  • the average net income from the last three months
  • data of the current employer
  • data on loans taken and other financial liabilities
  • the date of the conclusion of the employment contract or granting the pension benefit / pension

Other requirements in relation to borrowers

The minimum age of the borrower is 18 years. The upper age limit has not been determined. The potential borrower must live in Poland.

Representative example

The Actual Annual Interest Rate (APRC) for a cash loan is 14.80%, the total loan amount (excluding credited costs) is PLN 21,692, PLN 41, the total amount to be paid PLN 32,091.42, variable yearly interest rate 9.79% (constitutes the sum of the NBP reference rate, which currently amounts to 1.5% and the bank’s margin of 8.29 pp), the total cost of the loan is PLN 10,399.01 (including: commission PLN 2,407.59, interest PLN 7991.42) , contract concluded for a period of 72 months, 71 monthly installments equal to PLN 446.08, last installment PLN 419.74. The calculation was made on 10/03/2019 on a representative example.

The credit decision depends on the result of an individual creditworthiness test and the credit risk assessment performed by Santander Bank Polska SA

How to take a Cash Loan at Santander Bank Polska?

 

How to take a Cash Loan at Santander Bank Polska?

You can apply for a Cash Loan at Santander Bank Polska using one of the following methods:

  • in the electronic banking system,
  • telephone
  • personally at the bank branch.

Cash Loan at Santander Bank Polska – reviews

Cash Loan at Santander Bank Polska - reviews

Like every financial instrument, the Cash Loan in Santander Bank Polska has its advantages and disadvantages. Based on a detailed analysis of the offer, we decided to indicate the strengths and weaknesses of this solution.

Advantages of the Cash Loan in Santander Bank Polska

  • high maximum loan amount (PLN 150,000),
  • the minimum loan amount (PLN 1,000),
  • maximum loan period (10 years)
  • the option of choosing an equal or decreasing installment
  • no need to open a personal account
  • minimum of formalities
  • three ways to apply for a loan
  • the possibility of borrowing money from the age of 18,

Disadvantages of cash loans at Santander Bank Polska

  • high commission for granting the loan (9.99%)
  • the maximum loan amount must be covered by the applicant’s net income

 

summarizing

summarizing

The credit terms presented above are valid as at 10/05/2018. To know the actual costs of this commitment in your case, click on the link below and submit a request for a cash loan at Santander Bank Polska.

 

Cash loan in PKO

Are you looking for a simple cash loan? Do you need to borrow a small amount and at the same time spread the repayment for several dozen installments? PKO Bank can meet your expectations. Get to know the details!

 

 

Although the PKO bank does not offer a strictly “cash loan” product in its offer, we can accept the MiniRatka cash loan proposal for this type of liability. It is one of the flagship solutions that the bank offers its customers as part of ongoing financial support.

Conditions for cash loans 

 

Available amounts and repayment period

By choosing a cash loan offer from PKO you can borrow from 1,000 to 50,000 PLN. In this case, the loan period is between 10 and 120 months.

Interest and commission

In the case of Miniratka, the interest rate is 8.99%. The customer must also take into account the need to pay a commission of 4.99%.

Other fees related to the loan

The insurance cost also included the insurance premium (0.35%). In addition, the bank does not charge other fees directly related to this obligation.

Required documents

To apply for the MiniRatka loan at PKO Bank, prepare the following documents and information:

  • ID card,
  • statement on income and ROR statement for the last 3 months for loans up to PLN 24,000 (otherwise a certificate of employment and earnings)
  • e-mail address,
  • Phone number,
  • Bank account number.

Other requirements in relation to borrowers

The minimum age of the borrower is 18 years. The maximum age of the lender is set individually.

Representative example

The Actual Annual Interest Rate (APRC) is 28.45%, the total loan amount (without credited costs) PLN 10,786.36, the total amount to be paid 19,124.32 PLN, variable interest rate 9.99%, total loan cost 8337.96 PLN (including: commission PLN 1610.33, interest PLN 4,124.32, insurance cost PLN 2603.31), 60 monthly installments equal to PLN 318.63. The calculation was made on 05/02/2018 on a representative example.

How to take a cash loan at PKO

How to take a cash loan at PKO

You can apply for a cash loan in PKO in the following way:

  • by submitting an online application,
  • telephone
  • personally at the bank branch.

However, the contract is signed personally at a bank branch or in the presence of a courier who will deliver it to the address indicated by you.

Cash loan in PKO – opinions

Cash loan in PKO - opinions

Like any financial instrument, cash loan in PKO has its advantages and disadvantages. Based on the conditions of MiniRatka, we can indicate the weaker and stronger sides of this solution.

Advantages of cash loans in PKO

  • the possibility of spreading repayment for up to 10 years,
  • minimum formalities (an ID card and a statement / statement of income are enough),
  • three ways of applying (online, in a branch, by phone),
  • no need to run a personal account,
  • availability of an offer for young people (18 years are enough to apply)
  • short waiting time for credit decisions (about 1 day),
  • no additional fees (the bank does not charge fees, e.g. for early repayment),
  • no need to obtain the consent of your spouse.

Disadvantages of cash loans at PKO

  • low maximum loan amount (PLN 50,000),
  • high minimum loan amount (PLN 1,000)
  • no possibility of signing the contract by transfer,
  • no “credit holidays”,
  • the need to pay commissions.

summarizing

summarizing

The credit conditions presented above are valid as at 8/05/2018. To know the actual costs of this commitment in your case, please click the link below and submit a request for a cash loan at PKO.

 

Cash loan

 

ash loan as a quick way to raise funds for any consumer purpose. Let’s check how, in reality, simplified procedures and limited formalities look like.

 

A cash loan is a solution that allows you to accelerate the implementation of certain goals, ie the purchase of RTV equipment, furnishing your apartment or paying for a foreign trip. The popularity of the solution results from the high availability and increasingly smaller requirements for the borrower from the bank. We decided to take a closer look at how Getin Bank deals with the issue.

Cash loan terms at Getin Bank

Available amounts and repayment period

 

Choosing a Cash Loan offer for you at Getin Bank, you get the opportunity to incur liabilities in the amount of PLN 1,000 to PLN 200,000. In turn, the loan period is one of the longest on the market and ranges from 1 to 120 months. The liability is repaid in the fixed installments system. Available parameters allow adjusting the repayment time and monthly installment to the borrower’s current financial and economic situation.

 

Interest and commission

 

In the standard version, the nominal interest rate of the Cash Loan has been set at 8.79% for you. More important, however, is the commission, which is 9.99%.

Other fees related to the loan

 

Other fees related to the loan

 

The loan insurance is voluntary, it also depends on the borrower whether he intends to incur higher costs as additional protection. The Bank does not charge other fees related to the loan, i.e. the payment for processing the application or the preparation fee.

Required documents

 

To apply for a cash loan for you, prepare the following documents:

  • an identity document (identity card, permanent residence card, passport and a certificate of registration of an EU citizen’s stay)
  • document confirming the amount and source of income (depending on the declared source of this income, eg employment contract, contract of mandate, pension).

Other requirements in relation to borrowers

 

The credit offer is available to adults over the age of 70.

Representative example

Representative example

Example representative for a product consumer credit – cash loan, drawn up under the provisions of Article 8 of the Act on consumer credit: Actual Annual Interest Rate (APRC) is 17.3%, total loan amount (without crediting costs) PLN 35 300, total amount to payment PLN 63,577.50, variable interest rate 8.79%, total loan cost PLN 28 277.50 (of which: commission PLN 4 520.54, interest 182,889 PLN, insurance cost PLN 5,430.07), 98 monthly installments equal to PLN 648.75. The calculation was made on 02/11/2017 on a representative example.

 

How to get a cash loan 

With the cash loan offer at Getin Bank, you can read:

  • personally at the bank branch,
  • by phone – with the help of a contact center employee,
  • in the online banking system – the “order product” tab,
  • in mobile banking – “loans” tab

Regardless of the distribution channel chosen, the contract is signed personally at the bank branch.

 

Cash loan in Getin Bank – reviews

Like every financial instrument, Getin Bank’s cash loan has its advantages and disadvantages. Based on the analysis of the conditions of the offer described, we will point out the weaker and stronger sides of this solution.

Advantages of cash loans at Getin Bank

Advantages of cash loans at Getin Bank

  • high maximum loan amount (up to PLN 200,000),
  • low minimum loan amount (only PLN 1,000),
  • the allowable repayment period is 120 months (10 years),
  • minimum formalities (an ID card and an income certificate are enough),
  • three ways of applying (online, in a branch, by phone),
  • availability of the offer for people from 18 years of age
  • credit decision most often in 1 day,
  • no additional fees (the bank does not charge fees, e.g. for early repayment),

Disadvantages of cash loans at Getin Bank

Disadvantages of cash loans at Getin Bank

  • the opportunity to sign a contract only during a personal visit to the bank,
  • no “credit holidays”,
  • high commission,
  • offer not available to people over 70 years of age,
  •  

summarizing

The credit conditions presented above are valid as at 9/05/2018. To know the actual costs of this commitment in your case, please click the link below and submit an application for a cash loan at Getin Bank.

 

Cash Loan

Are you looking for a cash loan for any purpose? The mBank offer may be the answer to your needs. Get to know the details of this credit offer.

 

A cash loan is one of several forms of financial support offered by mBank. For our analysis, we chose the offer on standard terms, addressed both to new and current customers of this institution.

Terms of cash loan in mBank

Terms of cash loan in mBank

Available amounts and repayment period

By choosing a cash loan offer at mBank, you have the chance to borrow as much as PLN 180,000. The minimum liability amount may not be less than PLN 500. mBank allows you to spread your loan repayment for a period of 3 to 120 months. If, however, during the term of the contract it turns out that the date of return originally chosen is not suitable for you, you can extend it or pay off the loan in advance without additional fees. You also select the repayment date of your commitment yourself.

Interest and commission

In the case of a standard cash loan offer at mBank, you have to take into account interest rates ranging from 5.99% to 7.99% and a commission of 5.99%.

Other fees related to the loan

The loan costs included insurance (0.08%). The Bank does not charge other fees.

Required documents

To apply for a cash loan at mBank, prepare the following documents:

  • an identity document (identity card, permanent residence card, passport and a certificate of registration of an EU citizen’s stay)
  • document confirming the amount of income received (depending on the declared source of this income).

Other requirements in relation to borrowers

The minimum age of the borrower is 18 years. The bank has not set an upper age limit.

 

How to take a cash loan at mBank?

How to take a cash loan at mBank?

You can apply for a cash loan in mBank in the following way:

  • by submitting an online application,
  • telephone
  • personally at the bank branch.

Regardless of the form of submitting the application, the contract is signed in person at the bank’s branch.

 

Cash loan in mBank – reviews

Cash loan in mBank - reviews

 

Like any financial solution, the cash loan at mBank has its advantages and disadvantages. Based on the terms of this offer, we can therefore point out the weaker and stronger sides of this solution.

Advantages of cash loan in mBank

  • high maximum loan amount (up to PLN 180,000),
  • low minimum loan amount (only PLN 500),
  • the possibility of spreading repayment for up to 10 years,
  • minimum formalities (an ID card and an income certificate are enough),
  • three ways of applying (online, in a branch, by phone),
  • no need to open a personal account,
  • availability of an offer for young people (18 years are enough to apply)
  • no age restrictions in relation to older people,
  • short waiting time for credit decisions (usually one day),
  • no additional fees (the bank does not charge fees, e.g. for early repayment),
  • no need to obtain the consent of your spouse.

Disadvantages of cash loan in mBank

  • the opportunity to sign a contract only during a personal visit to the bank,
  • no “credit holidays”,
  • the need to pay a commission.
  •  

summarizing

 

The credit conditions presented above are valid as at 8/05/2018. To know the actual costs of this commitment in your case, please click the link below and submit an application for a cash loan at mBank.

 

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