MonthJune 2019

Loan despite time limit

For most banks, a permanent employment contract is an important prerequisite for granting a loan to a customer. So the banks want to minimize their risk of arrears. A loan despite a time limit is usually only given by banks if the time of the loan repayment falls within the term of the employment contract or only slightly exceeds it. Thus, the customer can be granted at least a small loan. It is not recommended to conceal a limitation. Many application forms do not ask if the employment relationship is permanent. At the latest if the earnings certificate is viewed during processing, the time limit will apply. This only leads to unpleasant difficulties.

A guarantor can help

A guarantor can help

The chances of getting a loan despite a time limit increase if the applicant can provide a guarantor. If this guarantor is creditworthy and is accepted by the bank, some banks also seek to approve loans with higher amounts and longer maturities. However, the guarantor must be aware of his responsibility. If it comes to payment defaults, he must take over the payment. In order for the bank to lend in such a case, however, all other details of self-disclosure must speak in favor of the customer.

There should be no entries in the private credit. Furthermore, no other loans, such as installment loans at mail order companies or the like may run. In addition, the relationship between income and expenditure must be such that the repayment of credit installments for a loan despite a time limit is easily possible. It is also very important that the probationary period is already over.

Offers should be compared

Offers should be compared

Even if you are happy to have found a bank that gives you a loan despite a fixed-term employment contract, it is advisable to ask the conditions of other banks and to compare the offers. These can differ considerably. The interest on a loan despite a time limit depends on the amount of the loan and the term. It is possible, for example, to get a loan of 15,000 euros with a maturity of 48 months at an effective interest rate of 8.49 percent. Only those who compare the offers of different banks can find the cheapest offer and save so much money.

Project types that can be financed with a payday loan

To enable many households to keep a balanced financial budget, more and more financial organizations are now offering loan offers, such as payday loans or loan pools.

For many households, these loans are an alternative to make their projects easier. However, even if the payday loan of many benefits, not all projects are financeable by this type of credit.

The principle of payday loan

The principle of personal credit

It is not always easy to save money when you have many charges every month.

For lack of economy, it is sometimes difficult or impossible for some households to achieve projects often essential but involve large budgets. There are also some people who simply want to save money to plan for any unforeseen expenses or to save for the future.

In this case, what solution is offered to individuals who do not have a cash budget to finance a major purchase or an essential project?

A payday loan at the best rates

A personal loan at the best rates

This is the very idea of ​​the payday loan that allows individuals to make purchases or carry out a project without mobilizing their savings. These consumers obtain credit from the bank or a financial institution, in exchange for a monthly repayment that also includes the interest required by the bank.

With the payday loan, the amount of the monthly payment and the interest rate are usually fixed. However, to be sure to choose the most advantageous credit offer, it is important to refer to the TAEG, an essential information that tells you the total cost of a loan.

We find this information in any loan offer that can be found on the internet, on a poster or by the press … If the payday loan is for individuals, what kind of project can we finance with this type of loan? credit?

Loan for funeral or family member burial

 

Loan for funeral or burial

Loan for funeral or burial

How much does a funeral or funeral cost? Dying in São Paulo or depending on the region of Brazil, the cost can start at R $ 250 and reach R $ 25 thousand according to the financial profile of the family of the deceased. In general, funeral directors are charged some services and products that are included in the costs to their families.

Other costs may also include the total amount charged, including additional or optional service costs, such as transportation of the remains, embalming and other preparations, use of the funeral parlor for visits, ceremonies or memorial service, use of equipment and personnel for a burial service, use of a hearse, casket or urn, and cremation or burial.

There are also cash advances of fees charged by the funeral home for goods and services from outside suppliers on their behalf, which includes wreaths and body preparation. Some funeral homes charge the cost for the items they buy on your behalf, others add a service charge to the total cost.

It really is a sad fact that we all need to deal with, however, knowing exactly what to do, when and how to do to bury a family member can help minimize the tension of the moment and the pain of family loss. We can not forget that beyond the immeasurable pain, death involves many expenses, the average is two to four thousand reais.

However, for those who have money left over, some burials can reach up to $ 30,000 or more, depending on the casket (burial casket or just for wake), transportation service, burial fees and floral ornaments. For most Brazilian families having to pay between $ 2,000 to $ 4,000 or more than that to bury a relative is not really feasible. If this, unfortunately, happens to you, you must know what to do in the hour of despair.

Death or funeral insurance policy of the deceased.

Death or funeral insurance policy of the deceased.

Check to see if there is a funeral insurance or life insurance in the name of the deceased that covers a part or totally the burial and wake costs. Talk to the bank or family broker in person or over the phone to examine all the details, limitations and stipulations attached to all policies to know what exactly is and is not insured.

Low Cost Burial Options

Low Cost Burial Options

Usually creaming the body can come out much more than bury the body in an urn, needs to analyze and check if the religion of the deceased or relatives agree to it. If it is not necessary to embalm the body, consider a ” simple burial ” where you do not need to spend with special care, tombstone or expensive chests. You can also buy a more modest coffin with affordable price over the internet.

Loan for funeral or burial

Loan for funeral or burial

If you possess a good credit score and are willing to take out a personal loan, even if it is those loans to negatives with dirty name, access your bank or lender that financing options with quick release or in a financial credit like stores of Credita.

It is not interesting to take a loan for funeral or burial with cash withdrawals made with a credit card, interest rates are much higher than a bank loan and cheaper than using the card for expenses. It really is not easy, by choosing the personal loan guarantee that you will not end up getting into debt for many months or even years.

Money with family members and relatives

Money with family members and relatives

You do not have a credit card, you can not get a loan for the bad, the financial, or the loan sharks, so you do not have to pay for the burial alone unless you want to do it. Consider asking family members (burial kit) to help with burial and wake-up expenses. Let someone next in charge of the fundraiser and make sure about how much each person can contribute and write down on a paper, to know how much they will miss.