anteospaziocinema.com http://www.anteospaziocinema.com My WordPress Blog Sun, 09 Jun 2019 07:29:19 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Mortgage Loan Insurance Rate: Earn Money http://www.anteospaziocinema.com/mortgage-loan-insurance-rate-earn-money/ http://www.anteospaziocinema.com/mortgage-loan-insurance-rate-earn-money/#respond Sun, 09 Jun 2019 07:29:19 +0000 http://www.anteospaziocinema.com/mortgage-loan-insurance-rate-earn-money/ Read More

]]>

 

Since you subscribe to a mortgage for the purchase of your new home, you have the quasi-obligation to subscribe in parallel to a death and disability insurance for your mortgage. This is not legally required, but most banks will require it. It is important to know the functioning of the loan insurance immo to make real savings.

 

Real estate reinsurance rate: How it works

When a bank lends you money for a home loan, it requires you to buy insurance, to ensure the recovery of the sum lent in spite of the death or disability of the subscriber.

The cost of this form of credit insurance is based on the total amount loaned by the credit institution (bank or otherwise). The larger the loan, the higher the cost of credit insurance. The rate is also calculated according to your age and your state of health.

Real estate reinsurance rate: How it works

The rate applied to the total capital borrowed represents the annual amount of insurance. Example: You borrow 300,000 euros over 15 years to buy your house. The rate of your loan insurance is 1%. Each year you will therefore pay 300,000 x 0.01 = 3,000 €, or 3,000 / 12 = 250 euros per month, and this during the 15 years of the loan. Your insurance will cost you 3 000 x 15 = 45 000 € in total, since in some cases the borrower insurance takes into account the total amount of the loan. Note that, depending on the chosen insurance company, the loan insurance can take into account the amount still to be paid, also called outstanding capital (CRD) for calculating the interest on the bank loan.

 

Real estate reinsurance rate: Make savings!

Real estate reinsurance rate: Make savings!

Reducing this rate can lead you to make impressive savings, on the order of several thousand euros! Let’s go back to our previous example of a loan of € 300,000 over 15 years: if you are negotiating your mortgage insurance this time at a rate of 0.8% instead of 1%, you will pay a total of 300,000 x 0.008 x 15 = 36,000 €. Between a rate of 1% and a rate of 0.8%, the final difference is € 9,000! Finding a credit insurance with a lower rate can make you save huge amounts of money, much more than negotiating a few points on the borrowing rate!

The Lagarde Law, which came into force in 2009 and has been active since July 2010, allows you to take out home loan insurance outside the lender. A study shows that half of the French population ignores this possibility! Yet, by playing the competition, you can get insurance at very competitive rates.

So do not wait any longer to compare the offers for a mortgage insurance cheaper on our comparator insurance!

]]>
http://www.anteospaziocinema.com/mortgage-loan-insurance-rate-earn-money/feed/ 0
How Do Loans Affect Prices? http://www.anteospaziocinema.com/how-do-loans-affect-prices/ http://www.anteospaziocinema.com/how-do-loans-affect-prices/#respond Thu, 23 May 2019 18:00:59 +0000 http://www.anteospaziocinema.com/how-do-loans-affect-prices/ Read More

]]>
The impact of loans on consumer prices is a very difficult topic that cannot be dealt with in one short article, but I will try to give you insight into how credit can affect prices and whether more lending means higher prices? In order to be able to properly evaluate this issue at first, it is necessary to understand how the credit is created and then where the money is being generated.

 

When the Bank issues credit to you or someone else

When the Bank issues credit to you or someone else

It does so by attracting investors and making money for those investors when you make a loan. But the ratio of bank lending is definitely not 1: 1, but more 10: 1 , which means that for every Euro you deposit with the bank it can issue credits for 10 Euros. And in this way, money is basically made out of nothing, because you can borrow with these 10 Euros, but in reality no one created this money, but the bank created it from that ratio. The real money that you received came from a number of such deposits or from the fact that people in the bank account have unnecessary money.

And that means that if all the people suddenly want to withdraw their bank money, then it wouldn’t be possible because the bank doesn’t have as much cash and virtual money to pay all the money to all its customers. Well, when we understand how money is made with the help of credit then we can get on with how this money really affects prices . Basically, it is assumed in the economy that the higher the turnover of money and the amount of money in circulation in an economic region, the higher the prices will be, as simply more banknotes will catch the same goods and services. In this way, inflation also arises and, if banks already make virtual money by issuing loans, then in theory the prices of various goods and services should also climb.

 

There were no quick credit or other credit

There were no quick credit or other credit

And basically this happens, although it must be said that credit is not the only cause of such a price increase and the people themselves, and their greed also plays a big role, but if there were no quick credit or other credit, the price rises and falls would be organic rather than puffed up from empty air. That is why, for example, housing prices before the 2008 crisis began to rise at a dizzying pace, as banks and private creditors then also issued more and more credits, which then led to demand growth and supply shrinkage, and price increases were inevitable. The greater the volume of lending, the greater the circulation of money in the country, and this in turn creates the illusion that the economy is growing all the time, but in fact, this growth is based on credit and it will definitely reduce the pace or stop at all when suddenly all of them will have to pay back credits.

In all sectors, loans do not affect prices in the same way , and people are unlikely to start buying more bread suddenly when issuing loans, but looking directly at luxury goods is how the loans are, which also allows consumers to make unscheduled and irrational purchases and then slowly. pay back this money, not try it right away, which would be much more difficult and then hardly any purchases that are not really needed, but which are just luxury goods or desire rather than necessity!

]]>
http://www.anteospaziocinema.com/how-do-loans-affect-prices/feed/ 0
Defining The Duration Of Your Bank Loan: Our Advice http://www.anteospaziocinema.com/defining-the-duration-of-your-bank-loan-our-advice/ http://www.anteospaziocinema.com/defining-the-duration-of-your-bank-loan-our-advice/#respond Sat, 18 May 2019 07:33:38 +0000 http://www.anteospaziocinema.com/defining-the-duration-of-your-bank-loan-our-advice/ Read More

]]>

Personal loan example for a total amount of € 1,000 repayable in 12 monthly installments of € 84.16 (excluding optional insurance). Total Annual Effective Rate (APR) of 1.85% (excluding optional insurance). Fixed debtor rate of 1.83%. No Service Fee. Total cost of the loan: 9.92 €. Total amount owed by the borrower: € 1009.92.

 

The monthly cost of the death insurance

The monthly cost of the death insurance

The monthly cost of the insurance Death-Total and irreversible loss of autonomy-Interruption of Work following Accident or Sickness-Loss of Employment under 65 years is 2,346 € is an Annual Effective Rate of Insurance (TAEA) 5.33% and a total amount due of 28,152 €, and is added to the monthly repayments of the loan. First due date between 30 and 60 days from the availability of funds, the monthly payments being taken on the 4th of each month. Offer valid until 07-07-2019.

Upon receipt of your complete file, DDI Credit Inc can give you an answer in the 24h worked by SMS in the case of an acceptance, and by email in the case of a refusal.

Study conducted on the basis of a statement of rates made by Sémaphore Conseil, on the amounts of € 1,000 to € 3,000 and the maturities of 24 and 48 months.

 

Check your repayment capacity before you commit.

Check your repayment capacity before you commit.

A credit commits you and must be repaid.  DDI Credit Inc is accredited as a credit institution – Investment Services Provider by the Prudential Control and Resolution Authority (ACPR, approval number: 16488).

The funding is granted subject to final acceptance by Younited after the study of your file. You have a right of withdrawal of 14 calendar days after the signature of the loan contract offer. If your file is definitely accepted, Younited will keep a number of your supporting documents for the duration of your contract.

You may exercise your right of access, rectification, deletion, portability to personal data about you, or oppose their use for prospecting purposes or limit the processing by contacting customer service by clicking here.

The borrowing rates (APRs) are fixed and vary from 0.75% to 17.90% and the duration of the loan is between 6 to 84 months.

]]>
http://www.anteospaziocinema.com/defining-the-duration-of-your-bank-loan-our-advice/feed/ 0
Installment Loan – You Can Also Use It When Shopping Online http://www.anteospaziocinema.com/installment-loan-you-can-also-use-it-when-shopping-online/ http://www.anteospaziocinema.com/installment-loan-you-can-also-use-it-when-shopping-online/#respond Fri, 10 May 2019 07:31:11 +0000 http://www.anteospaziocinema.com/installment-loan-you-can-also-use-it-when-shopping-online/ Read More

]]>

An installment loan is a relatively well-known financial product. In agreement with the banks, they offer it, among others furniture stores, electronics stores, home appliances and electronics or hypermarkets. Customers who like convenience can buy in this way also in selected e-stores.

 

Completely free installment loan is a rarity

Completely free installment loan is a rarity

Thanks to the installment loan service, the client can become the owner of some good (eg plasma TV) or use a service (eg a trip, operation) without paying the entire amount required for it when entering into a contract with the seller. The money is lectured by the bank, and the consumer gives it later in monthly installments, possibly increased by interest and other costs, such as insurance.

There are various variants of installment loan. The most beneficial for the customer is:

  • – distribution of receivables to the number of interest-free installments chosen by the client,
  • – no need to pay your own contribution at the time of signing the contract,
  • – no commission,
  • – no insurance.

 

In practice, it looks like a consumer who, for example, buys a computer for 6,000. PLN, it will be repaid for 24 months in installments equal to PLN 250 each. It will not incur any additional costs. It will benefit from free financing.

This model of installment loan is the least common. Most often it happens that in order to receive installments of 0 percent, you need, for example, to buy insurance, pay a commission or additionally to contract with a credit card, whose service does not have to be free.

 

Installment loan on Allegro and in the e-store

Installment loan on Allegro and in the e-store

Despite these drawbacks, the installment loan makes all participants in the transaction happy, as well as suppliers and producers. This form of financing stimulates demand, which accelerates economic growth. The customer immediately purchases a product that he would normally have to save for a long time or would not be able to afford at all.

This is not the end of the advantages of installment purchases. You can use them not only at stationary points, but also on the Internet. Online installment loan is available, among others on Allegro and in those e-shops where RT Payment is responsible for settling payments.

 

Internet transactions takes place automatically

Internet transactions takes place automatically

Breaking transactions into installments on the Internet takes place automatically. The option is available at the stage of choosing payment methods.

In the case of Allegro, it is necessary to mark ‘PayU installments’ and follow the instructions, i.e. provide data that will be sent to the lender, and this is ABC Bank or IUFinance. The condition for using this solution, however, is successfully passing through the creditworthiness assessment procedure (scoring), which takes several minutes, and the age of the applicant under 70 years. The whole operation of taking out an installment loan online, including filling out forms, should be closed in several dozen minutes.

]]>
http://www.anteospaziocinema.com/installment-loan-you-can-also-use-it-when-shopping-online/feed/ 0
Personal Payday Loan for Self Employed http://www.anteospaziocinema.com/personal-payday-loan-for-self-employed/ http://www.anteospaziocinema.com/personal-payday-loan-for-self-employed/#respond Tue, 23 Apr 2019 18:45:41 +0000 http://www.anteospaziocinema.com/personal-payday-loan-for-self-employed/ Read More

]]>
To be autonomous is to work in a liberal way, providing services to companies or anyone, without employment relationship.

The professional is favored by the ease of finding jobs and by dealing less with the bureaucracy of a fixed job.

However, you need to maintain financial control and manage your career. If you fit that profile find out more about personal payday loan for self employed and how this type of credit can help you on your way to success.

The objective of these companies that make loans available is to optimize the offer, and to reduce the abusive interest rates proposed in the common market.

 

Microcredit  Loan for self-employed

Microcredit  Loan for self-employed

Microcredit is intended for small businesses with annual revenues of up to R $ 120,000.00. As prerequisites, it is necessary to have CNPJ registration, and proof of repayment capacity in order to avoid inconvenience to the institution providing the loan. It still has lower rates, not exceeding 4%.

Already the loan for autonomous does not depend on proof of income, and can be requested as an individual. However, the bureaucracy to have access to this modality is much greater, in addition to the rates being greater than the conventional ones, precisely because the supplier does not have guarantees of receipt.

A stand alone loan can help you develop your business.

 

How to get a personal payday loan for freelancers?

How to get a personal payday loan for freelancers?

In order to have access to the loan, companies ask the applicant to fill out a form, which will be used for financial analysis of the client.

After the analysis of data, the credit will be released, unless the financial assesses some risk in granting the credit.

The loan can also be used for other purposes such as discharge of the company’s debts. However, the entrepreneur must be attentive, because the debts can end up disturbing the business.

In addition, it is important to maintain the financial organization to avoid incurring new debts.

Some companies that provide this type of loan online are:

  • Lenders;
  • Goku;
  • Simply;
  • Kwartaman.

All the companies mentioned above are banking correspondents, that is, they are not actually banking institutions, but are authorized by the Central Bank to enter into partnerships with banks to make a loan.

However, although some have less bureaucracy, rates will be higher, so research hard!

Avoid scams!

If any institution, bank or correspondent, asks you for an early deposit, do not proceed with the transaction! This is fraud according to the Central Bank, and you should report it!

 

personal payday loan to the autonomous Economic Federal

personal payday loan

When it comes to personal payday loans for self-employed, the most appropriate financial institution for this subject is Economic Federal.

In addition to representing nationally autonomous investors of various standards, from the beginner to the successful, and help small investors who dream of working on their own.

The company still has several options for personal payday loans for freelancers, just go to the nearest agency and talk about your business with management.

Now that you already know how to get a personal payday loan for freelancers, how about sharing this article with your friends on social networks? Also, leave your comment if you have any questions or tell us about the experience of applying for a loan being autonomous.

]]>
http://www.anteospaziocinema.com/personal-payday-loan-for-self-employed/feed/ 0