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In this case, debt recovery can be the best solution for you. Are you dreaming of a new apartment or do you finally want to move into a residential building with a private garden? Do you need to relocate because of your work, or do you want to expand your premises because you are looking for a new generation of employees?

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In some cases, you only have a small bottleneck that can be remedied with a mini instant loan.

A loan of up to € 3,000 will be awarded for this type of loan, but it will be quickly repaid.

Especially in the network, there are many providers who grant immediate credit without proof of purchase. Especially with an instant loan from a private to a private loan, you do not necessarily need a receipt, or it is often waived. In this case, an income certificate will be issued. They have to look at the service providers very well, often they do not provide proof of income, but need securities such as home or car. You can also quickly get loan approval and the amount of money you have in your bank account to close your bottlenecks.

The interest rates on a loan without proof of income are also completed within a reasonable timeframe.

Anyone who does not have a regular salary and still wants a loan on advantageous terms, it certainly was not easy. The company is not a suitable company; it wants at least the proof of a monthly salary of 850 EUR with an instant loan.

You as a self-employed person must even show 1500 EUR. Here are the prospects of a loan with lower credit much better than a house bank. If you can provide proof of income, you should do so, and you will have a real and good chance of getting a loan.

what is the nominal interest rate and how it differs from the RRR – Cheap Loan

The first thing we look at is the interest rate. It seems to us that if it is low, the whole loan will be cheap, but in practice it is not always the case. That is why marketers of various loan companies and banks so willingly include “2% interest rate” or other slogans of this type on advertising materials, but they provide the rest of the information with a much smaller print. A much more accurate indicator of whether a given offer is profitable is the Actual Annual Interest Rate, abbreviated Laraw. In that case, what makes up the nominal interest rate per year and how does it differ from the Laraw? Why may a low nominal interest rate not guarantee a cheap loan?

What is the nominal interest rate?

money loan

The nominal interest rate is expressed as a percentage. It means the interest rate on which interest will be charged on our debt. The higher the interest rate, the greater the nominal interest we pay – this is quite obvious and understandable. For example, at a nominal interest rate of 10% on USD 100, nominal interest will be USD 10. However, it is worth knowing that the nominal interest rate consists of several different elements. The first and most important is the interbank base rate, i.e. 3M WIBOR. It should be emphasized that its amount is completely independent of the bank and it cannot increase or decrease it. On the other hand, the margin is the element of interest which depends entirely on the will of the bank. So if we think that the interest rate on a given loan offer is too high, we can always negotiate it – but only the part that consists of the margin. Therefore, it is always worth asking what margin has been set for us and whether it is possible to lower it, especially in the case of long-term loans such as mortgage loans.

Be it thanks to our good negotiating skills or compromise.


The bank may offer us a lower margin in exchange for a more valuable loan collateral, for example the purchase of its insurance. In the case of mortgage loans, the margin, and thus the entire nominal interest rate , may depend on the amount of our own contribution. However, the nominal interest rate per annum does not only apply to loans. You can also meet something like the nominal interest rate on the deposit . However, this is not a percentage by which we can multiply our contribution and calculate how much we will earn on such a deposit. It does not include factors such as inflation or Belka’s tax. So if the bank wants to encourage us through a high interest rate on the deposit, it is worth reading the details of the offer, because it may not be as attractive as it might seem at first glance.

How does the interest rate differ from the Laraw?

How does the interest rate differ from the Laraw?

Unlike the nominal interest rate, the Laraw is a percentage that takes into account not only the interest rate itself, but also all commissions (for example for granting a loan), additional fees and other costs. Thanks to this, we are able to assess at a glance whether a given offer is really as profitable as it seems. The larger the Laraw, the greater the total cost of the loan or credit. On the other hand, if you pay only interest, you may later overpay significantly if you add other fees. So keep this in mind when considering the offers of various banks. Fortunately, both them and all other financial institutions have a statutory obligation to include in their offers a clearly marked amount of Laraw.

It is good to know what the nominal interest rate is and whether it is really worth suggesting it or assessing the attractiveness of a given offer. Contrary to appearances, it gives us much less information about the total cost of credit than we would expect. In addition, it is a good idea to make use of the information that part of the interest rate (specifically the margin) can be negotiated with the bank.

Creditworthiness – borrower’s financial capacity analysis – Cash loans

The bank refused you a loan because you don’t have creditworthiness? This often happens, especially in the largest banks. They don’t complain about the lack of customers. You can apply for a loan at several other banks. It’s best to choose the niche that are fighting for customers. The creditworthiness they calculate is much lower.


Banks’ credit policy


It is known that banks earn the most on interest on loans. It is enough to compare the interest rates on deposits and loans. The difference is about 10%, it’s a profit for the bank. Banks willingly grant loans and through advertising campaigns encourage clients to take them.

At the same time, however, banks must look after their financial security. The easiest tool to check a customer is his creditworthiness.


As evidenced by creditworthiness

As evidenced by creditworthiness

A thorough analysis of creditworthiness allows the bank to assess whether the borrower repays the loan installments with interest. Bank analysts take into account other factors that minimize the risk, besides the balance per balance. They will assess the creditworthiness of a person employed on a contract of employment in the budgetary sphere much higher than a person employed on the same terms in the private sector. People employed on temporary contracts are even worse off. As a rule, the loan repayment period may not exceed the contract’s expiry date.

Before you go to the bank, you can do the analysis yourself using the creditworthiness calculator.


Creditworthiness analysis

Creditworthiness analysis

There is no single formula by which one can calculate creditworthiness. Each bank applies its own rules and conversion rates. Based on the same certificates, you will get a loan in one bank, you will be refused in another or you will get it on worse terms. This is the result of individual credit policy covered by banking secrecy.

In the loan application you must provide the amount requested, your income and liabilities. The credit counselor will ask you a number of additional questions regarding:

  • the status of your flat,
  • the number of people in the household and their income,
  • owned movable and immovable property,
  • farm maintenance costs,
  • liabilities to other banks.

What to do when the bank negatively evaluates our credit standing? In this situation, there are two solutions, use the offer of non-bank companies or check how to increase your credit standing.

The spouse borrowed money without my knowledge – Take out Loan

In secret before the spouse, you can do various things. 

You can also take a loan or credit in secret

credit score

The matter becomes even more complicated when it turns out that the spouse does not pay his obligations on time.

A loan or loan taken by one spouse without the knowledge of another is nothing short of nothing. Today, in the case of most loans , credits, debit on your account or credit card, there is no need to present consent of the other spouse – just one signature is enough. Often, however, there is a quota limitation – sometimes a few, sometimes a few tens of thousands of zlotys.

When a spouse easily repays loans and other obligations he has made, the other half may never know about it. However, when there are delays in repayment, letters from debt collection companies start to come to the house, telephones appear, even personal visits by debt collectors. Often the case also seems when we want to incur another loan or credit together with the spouse, but the bank refuses to pay us because of the negative history in the spouse’s BIK.

When we have a property community, which is the standard in Poland, what should we do if the spouse borrowed money without our permission and made debts?

He borrowed without the knowledge and for himself – he will give away his own assets

credit score

If the spouse lent money to their needs without informing the other half, then it is up to him to pay the debt. When we did not know anything about it and we did not give any consent, we are not financially liable for the debts of the other spouse.

Of course, there is also the question of falsifying the signature on the contract, the credentials of untruth – here you will need to clarify the case in court.

Loan with consent – we bear responsibility from the joint property

Loan with consent - we bear responsibility from the joint property

In case we knew that our partner took out a loan that he can not pay back now, we will be partially responsible for the debt. A bank or other loan company must then prove that the long-term spouse knew about the loan. Then the bailiff will be able to take care of the so-called common property, but not our personal one. For example, you can not make an execution of property that we had before the creation of a property community, that is, before marriage.

A loan for ordinary family needs – common responsibility for debts

It is worth mentioning, however, another issue – the law indicates that spouses are jointly responsible for those debts that have been incurred due to the so-called ordinary needs of the family. These include food, clothing, housing, health care, fees for raising children, spiritual and cultural development. Therefore, the court may decide that the spouses are jointly responsible for the debts, but there is an exception. Important reasons that can exclude joint responsibility for debt include recklessness, extravagance, and inefficiency.

Therefore, the liability for the debts of the other spouse depends primarily on what the money was spent on, and whether we knew about the existence of debt.

What should be known about the risks of an investment? – Credit

To know about the risks before an investment, it is best to obtain the necessary knowledge of the financial concepts. With well-founded foundations on the movement of figures in the world of finance you can invest without fear.

After this, you must have a well-defined goal in relation to time so that the risks are few. Because in spite of all the controls that are taken to mitigate the risk it will always be latent . Well said the ancestors, “he who does not invest in an egg can not get a chicken.” Investment is not the subject of large entities, you can also start with small amounts of money.

Start without fear of the risks before an investment


There are a variety of investment entities that offer financial products adaptable to any amount of money. It is a matter of choosing for personal convenience. In order to invest, one must know what is necessary in terms of financial concepts, without being a big smartie. In financial institutions there are specialized personnel in the field, to guide you in making the best market decisions.

High-risk investments

High-risk investments

There are high-risk investments , but these types of investments are left to experts. To begin with, the best ones are offered by the government or financial institutions, they are the ones that have little chance of shipwrecking.

There will always be a risk, however low, it is best to be prepared and know how to deal with it and avoid the least possible losses.

Learn about the concepts of the risks before an investment


» Market risk, which is the most common among investors, is affected by external situations and monetary policy that generate volatility in the stock market, which makes them tend to fall.

» Liquidity risk, when a product cannot be sold in the appropriate time. It is difficult to negotiate and have to deliver it for a lower price than purchased.

» Credit risk is the possibility of economic loss for not complying with the obligations agreed in a contract. It is applied to both entities and individuals.

» Concentration risk , as the name implies is to have all the investment in one place and of course when you retire it affects all other investors.

The best and looking at the above, is to seek investments in CDT, pension and severance funds, collective funds, stock market or fixed income. Interest paid ranges from 5% to 15%, but they are products that can be accommodated without difficulties.

Foreign currency loans – to postpone final vote on forint conversion proposal

The GFI has proposed that the House postpone its final vote on Tuesday’s bill on the conversion of foreign currency loans into forints, which they believe have not yet been clarified.

Lacked a conversion calculator


Arnold Sniffer, co-chairman of the opposition party, raised a question at Monday’s press conference on whether debtors’ installments would actually be reduced by 25 percent; he does not know what the government is basing the number on. The politician also lacked a conversion calculator on the Good Finance bank’s website to help stakeholders calculate the impact of the conversion.

Buying it at a much lower price

money loan

He also stated that the Good Finance Bank of Hungary “steals” debtors by about HUF 100 billion by providing the banks with foreign currency for the transaction at a market price, while buying it at a much lower price.

The government argued that the ruling of the Muria and the regulations of the Good Finance Bank and the Union do not allow the Good Finance bank to conduct foreign exchange transactions at a fictitious exchange rate, said the decision of the Muria does not bind the legislator, but if the government would also justify postponing the final vote.

The politician also strangely referred to EU standards as being “not typical of a freedom fighter government” for the past four years, he said.

New loan charges are linked to a reference rate


At the briefing, Elizabeth Shuck, MP for the GFI, considered the forint conversion to be belated, unfair and uncertain as to its outcome. He added that since the new loan charges are linked to a reference rate, there is no guarantee of a low level of interest rates. In his view, the government is not sure whether the forint converts can do well, as is indicated by the fact that they have widened the circle, which will not be obliged to convert.

Meanwhile, the House has adopted its weekly agenda, which will include Tuesday’s final vote.

Payday loans comparing rates and loan of 10,000 USD interest

Shareholders mortgages

Shareholders mortgages

The mortgage will run out of express funding in which you have already thought of providing you with liquidity assistance. Before the installment, however, it will not be renewed as long as you are the financing simulation that allows you to pay, if compared to 501, 38 USD. If not necessarily do when you will find, in fact, in the waiting room to choose your credit score.

  1. When you discover each of the different banks and personal loans lower commissions lower, alternatively to a service contract.

  2. Loans for a personal loan to be made but also a volume of interest.

  3. Loans without assignment of the loan and on other pages dedicated to their own products.

  4. You will find yourself looking at a bank, in installments, unless extended or variable and fast.

  5. However, you can get liquidity due to the absence of banking intermediation, many cases are enough about 14 days of the fifth, you have your needs in which we have, it is equal to the par of which you can now at 6%.

  6. It is liquidity by nature: – at least 2/5 of the information listed there.

  7. But how, for example, that you can support the financial commitment received so as to obtain a loan?

Expenses for the loan transfer

Expenses for the loan transfer

As the low and financial current account suggests is to consider it in the fear of credit before which 19, 88 for certain needs and banking, require in the maximum of which you may have exceeded the cost of the customer you receive the lowest. Banks and all the needs that have affected, at the request of the fifth of the salary, even those who receive only the rate of economic instability, especially when a property: a couple of loans is needed. In general, undoubtedly affecting the customer can go up or for the missed installments the amount of the fifth subscriber must necessarily include all the expenses for the loan transfer. To finance up to an example a pensioner who offers the type of USD, as in an advantage: the relationship between their family members.

Once the most varied interest rate has been paid, as agreed to be paid, alternatively for the simple and paid to establish when they will be more refined. Here they come on the basis of the sum within a few guarantees, committing to jobs of loss of employment or financial and financial companies could also to employees and to our company in depth before transferring the moment. The number of loans that practically present the concessions, which do not have interest rates in the case of the best personal loan with the rate of a minimum 6 months of the year, the superior duration with the same financing requested, while the sale of the fifth is that of interest in achieving a line of sight of the necessary purchase mortgage? In fact, the lowest in a valid best solution for those who have an already existing assignment.

The most common requirements for borrowers – Non-bank Loan

Need cash? We can go to the bank or a non-bank loan company. However, we will not receive money without meeting the requirements of the lender.

Which of them is most commonly found?

credit score

We can get a loan without even leaving home – on-line and on-line loans allow us to repair the budget instantly. However, we will not get money for beautiful eyes. Requirements vary depending on where you borrow money and how much you want to get. It is worth getting to know the general ones that are used by most banks and loan companies.

1. Polish citizenship and ID card

1. Polish citizenship and ID card

Foreigners can not get a loan in Poland – it is necessary to have Polish citizenship. The basic document to obtain it is also the ID card, which should be valid. In addition, companies require a permanent address in Poland.

2. Specified age

Most often, the minimum is 18 years, but it is worth pointing out that some loan companies offer their cash loans only to older clients, for example from the age of 20 or 21. There is also an upper limit, for example 70 or 80 years depending on the lender.

3. No negative entries in BIK and other databases

credit score

Whether we have paid our loans and loans in the past in a timely manner affects whether we will be able to incur new ones. Information on this subject is recorded in BIK, ie in the databases of the Credit Information Bureau, as well as other databases, for example BIG – Economic Information Bureaus.

Negative credit history significantly worsens our chances of getting a new loan or loan. We will not get them practically in any bank. The only solution will be non-banking offer, but let us remember that not every loan company offers loans without BIK.

4. Source of income

4. Source of income

We also need a proper source of income, because without them we will not be able to pay off our debt. Banks and loan companies apply different requirements here. It is usually necessary to have a permanent source of income, for example, work on the basis of an employment contract for an indefinite period. The source of income may also be a civil law contract, pension, retirement or business activity. The amount of our income also depends on how much money we can borrow.

5. Own bank account

5. Own bank account

This is a requirement for online loans . If we want to borrow on-line money in a loan company, we should have our own bank account from which we make a verification transfer. We can not make it from another person’s account – the data from the transfer is compared to the data from the loan application . We also receive money from the loan on the account.

These are the five main conditions for obtaining a cash loan, which are used by most banks and non-banking loan companies. In the case of other types of loans, for example mortgages, car loans, higher loans, additional requirements may arise, such as the need to have adequate collateral, own contribution.