Loans and loans with bills from serious private individuals online

A premise: if you have arrived and/or interested in the contents offered on this page, then in loans between individuals with bills, it means that most likely you have found any door closed by conventional lenders, whoever they are. If if it were not and in any case, at the bottom of the article you will find a series of links with which we have divided the loan with the bill based on who disburses it.

Used to pay attention to a series of risks

Used to pay attention to a series of risks

What is this page for? as we already anticipated elsewhere, you will not find the names and surnames of individuals who offer loans with bills of exchange… The post is used to pay attention to a series of risks which can be faced in particular by those who have no Internet experience. Note: We are aware of the fact that some subjects are desperate and would do anything to obtain a loan, including signing bills in favor of private individuals who are not particularly serious. For these reasons, we believe it is important to take a couple of minutes to read the article below.

Loans changed between serious private individuals: who are they? Question: who is around you and where are you right now? Well, first of all, those around you are your/our family members, friends, neighbors, acquaintances and friends of these. If you can find who finances you, even with promissory notes, among the latter people we will not they should be problems: you know them or you know who introduces them. In such cases, the chances of finding profiteers, scammers, attackers etc. they are minimal but they are there: for example, you contact them directly and/or present the “Boss” of your neighborhood. 

Usually through announcements of loans between individuals

Usually through announcements of loans between individuals

Then, where you are at the moment, that is, not so much physically but virtually: on the internet! Here things change: there are a number of “individuals” organized to exploit the need and despair of others, usually through announcements of loans between individuals.

And it is precisely on these types of announcements that we will focus our attention, indicating some recommendations about some techniques used to speculate, in various ways, on who responds to the announcement.

 

Loans for workers abroad

Foreign contract financing

Foreign contract financing

Can I apply for a loan by presenting the foreign paycheck? So, that of loans for workers abroad is a highly debated subject and on which we intend to clarify. But first, let’s ask the following questions: why should an Italian citizen abroad apply for a loan in Italy? Or, why should an Italian bank or financial company deny a loan to an Italian citizen who has a foreign employer, that is, with a foreign paycheck?

Loan in Italy with a foreign paycheck: things to be taken into consideration, even by frontier workers. Essentially, there are 2 things to consider: 1) the applicant’s residence: if it is EU or extra EU; 2) a possible third party guarantor.

Loans for workers abroad: why is the EU residence of the worker important? The residence of the worker within the Europe Union is important because a directive already exists, implemented by all member states, which authorizes loans by an EU citizen, to banks or financial institutions from another EU state: you can consult it on apply for a loan in another eu country.

Applies both to those who are resident abroad

Applies both to those who are resident abroad

However, this directive does not bind a bank, which, despite the directive, could deny us the loan, for a reason that we will see later. This applies both to those who are resident abroad and also work there (with a foreign paycheck), and for those who are resident in Italy but work near the border (frontaliari) and therefore despite their Italian residence they have a foreign paycheck. But, speaking of EU directives, let’s now answer one of the questions about places: why should an Italian with a foreign paycheck ask for a loan in Italy?

Financing with a foreign contract: why ask in Italy especially if you are resident abroad? There are many reasons why he is asked in his native country, but we are interested in one. Is it not by chance that you are applying for a loan in another EU country because in the one where you live and work they have denied you the financing? For example. Why is there no requirement to obtain it and/or have you not paid a previous loan? Well, if so, know that you only waste time: according to that directive, all the databases and risk centers where they report this type of information have been centralized throughout the Europe Union! What does it mean? It means that if you have not paid a loan in France, they will know it in Italy, if you do not have the merit requirements in Germany they will know it in Romania, etc. etc. Let’s close now with the most important of the questions: loan in Italy with a foreign paycheck: why should they deny it? And, how to overcome the refusal?

Loans for workers abroad: why could they deny it?

Loans for workers abroad: why could they deny it?

The main reason why they can, indeed deny a loan with a foreign paycheck is precisely because there is a foreign employer, whoever he is! The foreign paycheck has a consequence: in case of non-payment of the installments, the lender would have difficulty in recovering the credit having to apply foreign laws because, even in the EU, this type of procedure is not yet harmonized by any directive, let alone if the loan comes from a foreign but non-EU paycheck: even worse!

Mortgage with foreign paycheck: all the details reported above also apply to a mortgage in Italy with a foreign paycheck even if, but this is our opinion, it would be a much safer operation for the bank as the mortgage would be marked on an Italian property therefore subject to the law of our country.

Loans for workers abroad: what solutions? If they were to make us understand that the financing would be refused because it is guaranteed by a foreign paycheck, we have solutions that consist in the presentation of some guarantees, one of which we have already anticipated: a third guarantor. The latter, for example, could be a family member who remained in Italy. Then, in the absence of this, but only if you have a property (a house or land), a loan guaranteed by bills of exchange might be fine. For the latter type of financing you can visit loans with bills and who makes them in 2020.

Conditions for obtaining a private loan

Given the growing need for liquidity that Spanish families have, it is normal to wonder what are the necessary requirements to obtain a loan, the difficult thing comes when the bank denies us the financing we need, since as we know these entities have tightened the conditions to be able to obtain any type of credit. Therefore, it is necessary to opt for private capital and know the conditions to obtain a private loan.

Condition to obtain a particular loan to have a guarantee

Condition to obtain a particular loan to have a guarantee

In our specific case, this private loan company only asks you as the only condition to obtain a particular loan to have a guarantee that can be of any kind, it is not necessary that it be of the real estate type since any of our credits can be guaranteed with a car, a flat, taxi licenses, etc. Any object or property is valid as long as it has the necessary value to get the money the customer needs. The only exclusion will be jewelry and it is very easy to get this type of private loan.

The amount to which any client can aspire is up to 20% of the value of the guarantee and this will also be directly related to the quality of these guarantees.

We also propose an interesting alternative for the user, which is the loan for the car, through this formula it is possible to obtain money for the vehicle that the client has, for this our team of lenders will assess that car and subsequently grant the user an amount of money that will range between 30% or 40% of the value of the car. This is the same as in the case of another type of vehicle, it can be a motorcycle, van, truck, even a boat if this were the case.

To be guarantors of our private capital loans

To be guarantors of our private capital loans

Real estate guarantees have to meet a very important condition in order to be guarantors of our private capital loans; the condition they must have is that they have no charges of any kind or mortgages. Flats, houses, premises, etc. may be valid. We do not accept plots or plots because these properties have a very marked oscillation of their prices and therefore cannot be acceptable guarantees.

Our company is made up of a team of professionals who are private and private lenders and also have a wealth of knowledge in financial and real estate matters. These conditions impel us to carry out feasibility analyzes that will allow us to know in detail the real possibilities that each client has to obtain the credits that they request from us; They are completely free for the user and we never charge a single euro for these studies. In addition, in the case of a real estate guarantee, we will only need the simple note to register to carry out the analysis.

Other advantages of these private equity loans are that, for example, we can grant money even to people who are on delinquent lists, unemployment, etc. Many citizens who are in precarious economic situations have the opportunity to access a line of financing that will give them a boost to improve their current circumstances.

Clients who require a smaller amount of money have the option of requesting a private equity loan of only € 3,000, these loans have the advantage that they can be repaid very comfortably and their interests are between 12% or 15% per year, fees can be paid monthly, quarterly, semi-annually or even annually.

All this is because for us it is essential that the client has easy access to the money they need and that this credit does not imply an economic burden. In addition, it is possible to make an early cancellation with a 0% penalty, in order to do so it is necessary to have completed one year on a mandatory basis. Another facility is the lack that allows paying up to five years of interest.

Carry it out at a price that is economical and reduced for the user

Carry it out at a price that is economical and reduced for the user

If the client has to carry out the official and obligatory appraisal of his home, this being the guarantee of our loans, we can carry out this procedure and we will also carry it out at a price that is economical and reduced for the user.

All agreements are made by signing them in the presence of a notary; This is an essential and compulsory procedure that also gives solidity to operations. Notary signatures can be made anywhere in Spain, our company serves throughout the national territory so that the client does not have the need to travel to another province or city to sign before a notary.

As a conclusion of all this we want the user to know that the conditions necessary to obtain a private loan are minimal, the most important thing is the guarantee of this credit and added to all this we add that our economic activities are all regulated by the Ministry of Health and Consumption and we comply with the existing regulations regarding private loans and financial services in our country. Thus, the user can fully trust our services.

If you need a private equity loan, you can get it much more easily than in any bank; The conditions for obtaining a private loan are more flexible and you can also get cash very quickly. Do not spend more time meditating and immediately contact our lender company.

Mortgage loans – time and installment

The possibility of acquiring this service will only require a proprietary deed from the company that the client must present in order to be taken as a guarantee to support the operation to be carried out. In order to have this service, that real estate must be free of charges and of any type of previous mortgage, otherwise it will not be considered as valid and you must obtain another one if it is to acquire the service.

Speculation about the amount that will be awarded to the applicant

Speculation about the amount that will be awarded to the applicant

On the other hand, this characteristic that becomes a basic requirement to access them is that it will also be the common parameter to be able to make a fair calculation and out of all speculation about the amount that will be awarded to the applicant. This is because the total value of the real estate that you present to the company will be the reference to know what will be the maximum that will be lent: that is, that 20 percent of that figure will be the limit.

You must also take into account the post-operation, which will then be the return period for this type of service. Here we will have two questions to analyze about the mortgage loans that are related to each other: time and installment. Regarding the first, it will be the number of years that the client will be paying monthly the money that has been granted in the management of the operation of the service.

Interest rate that is set for the monthly quotas

Interest rate that is set for the monthly quotas

Regarding the quota, it will be that interest rate that is set for the monthly quotas and in which the profit and the payment to the company for the service rendered will then be reflected. We said that both characteristics are related because time will influence the fee that the client must pay. This is because the minimum time in which these mortgage credits can be paid is one year and the maximum is fifteen.

Therefore, if the beneficiary chooses to do it in two years, the interest rate will logically be lower than the one that can pay it in eight years. This is because the fee is a compensation and an amortization that acts on the delay of the return of the amount granted.

The documentation of a property free of charges as a guarantee

The documentation of a property free of charges as a guarantee

This service, which only requires the documentation of a property free of charges as a guarantee that will be used if the client is unable to comply in the future with the return period proposed in the operation, does not include the investigation of any antecedent of the beneficiary . This gives the possibility to anyone, even if they do not have a payroll or even appear on a list of delinquent debtors or Asnef, to acquire this loan without distinction.

This service will not question you either about the reasons why you need these mortgage loans or for what purposes the cash will be used or how it came to this particular situation. It will simply be analyzed if the deed of the real property that you present is in order and the operation will be carried out under legal terms, then crediting the loan in your bank account.

Quick online loans and quick loans to bad payers

Rapid financing and quick loan to the bad payer

You will be surprised, in the end, that, paradoxically, the most rapid financing par excellence is the “slowest” one, and vice versa. We’ll see. Then, quick loans to bad payers and/or without a paycheck? Yes! We will also deal with these but also with other things.

So, if you are looking for a very quick loan, you just have to continue reading the article. How to analyze a quick loan offer? The offer will be analyzed considering three moments: the request, the response and the supply material.
Rapid personal loans: subdivision of the timing into three periods and how each one, singularly considered, have an impact on making us grant a rapid loan.

A period that depends exclusively on the applicant

A period that depends exclusively on the applicant

The first: this is the request for funding. It is a period that depends exclusively on the applicant: he can compress the maximum times by counting all the necessary documentation aimed at obtaining the loan. It is essential to present at least the tax code, an identity document and the income documents, whatever they are (salary, coupon, 740, annuities, etc.). If necessary, it is in this first phase that documents certifying any guarantees, such as the signature of a third party guarantor, real estate, etc., should be presented.

The second: the answer about the feasibility of the loan. This takes place practically in real time as each bank, financial or agency that is connected to a series of centralized IT databases which will say and tell all your credit history. In this second phase we will know if the answer is positive or negative. If it is positive, we move on to the last period: the one that decides whether the loan is quick or not;

The third: it goes from the positive response to the material availability of money in the case of personal loans or to the material availability of the asset (e.g. a car) in the case of targeted loans. It is in this last phase that we can “measure” the rapidity of disbursement, that is, if they offer us a quick or very quick loan.

Fast delivery times & loans online: request in bank or online, is it the same thing? No! Statistically speaking, all other conditions being equal, requests made online are dealt with more quickly than those made personally in the branch: just think that some banks or large financial institutions have set up specific call centers and chats with operators who deal exclusively with providing more as quickly as possible.

Fast personal loans & average disbursement times.

Fast personal loans & average disbursement times.

Based on the above, we consulted the major Italian credit institutions to small and medium financial companies, brokers included and we were able to establish that, compressed to a minimum, therefore with all the documentation in place, the maximum quick loan they can provide takes about 4 to 5 business days. NB: we consider that those just mentioned are the average times so some banks or financial institutions could deviate by one day.

Furthermore, we consider that they are working days so they can go up to 6 or 7 days. if there is a weekend or other public holidays in the middle. The case of small, very fast loans is different: these, in the credit lexicon, are those loans that do not exceed 5000 USD. Well, with the small quick loan it is possible to “save” a day or two compared to the aforementioned average schedule.

 

LOA credit repurchase – Lease repurchase

Find out how to redeem your LOA credit agreement with loan consolidation.

LOA and repurchase of credit: principle

LOA and repurchase of credit: principle

The rental with option to buy is a leasing based on the consumer credit legislation, this simple definition is enough to allow to include an LOA in a credit repurchase file, allowing to reduce its monthly payments. Rental with an option to buy has a particularity, that of offering a rental vehicle to a motorist, therefore the latter does not have a huge solution since the termination of the contract implies to reimburse all rents.

Proceeding to buy back LOA credit automatically terminates the leasing contract and especially to become the owner of the vehicle, in fact, by paying the amount requested by the lender, the motorist becomes the owner of the car but will have to reimburse the sums due in the credit consolidation, with which more is a lighter monthly payment.

How to buy back LOA credit?

How to buy back LOA credit?

It is possible to redeem only a LOA credit contract with a new project or to combine several credits at the same time, including LOA credit. You just have knowledge of redemption specificities for a leasing contract, in fact it is possible to make this operation as from the 13th month. For LOA contract signed below this time, the driver will wait for the 13th month to claim the credit redemption.

The credit repurchase request can be made to a specialized organization, either a bank, a credit institution or a broker. The advantage is to take advantage of the grouping of loans to include different debts, whether consumer loans or home loans. With a single monthly payment and above all a terminated LOA contract, the motorist sets out on a healthier financial basis. When setting up, the bank that buys the credits is responsible for sending a settlement to the lender, which leads to the termination of the contract.

Can we simulate a LOA credit buy-back?

Can we simulate a LOA credit buy-back?

It is not easy to project yourself into a credit buyout including a LOA leasing, this is why it is possible to carry out a credit buyout simulation. It is enough to specify the amount of the LOA (amount remaining to be reimbursed) as well as the rent as a monthly payment. With the other financial and personal information, the simulator can quickly inform the motorist of the possibilities of repurchasing credit with the rate, the duration and the monthly payment proposed. The advantage of the simulator is to offer several proposals for buying back credit and to be able to compare the offers for free.