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How to get out of debt in Guatemala? | Debt Consolidation

debt problem

If you have applied for a loan or a bank loan, you may have accumulated debts and discovered that the more debts you acquire, the more difficult it is to settle them. In this article we tell you how to get out of debt in Guatemala consolidating them, so it will be easier to pay them and have a lower interest.

We all have dreams, and that is what would be of life if we did not have goals to meet ?, but there is something we can not deny and is that in many occasions to meet our objectives we need money (a little more than we have), about all when it comes to investing to undertake, or study. In these cases a loan is a good solution.

Ok, yes, this may give you some fear and more if at the time of applying for your loan you do not know the deductions that can be made by financial institutions and you feel that you can borrow unnecessarily. Do not be alarmed, we are here to help you and that is why we will explain how to get out of debt quickly in an effective way.

 

What is debt consolidation?

What is debt consolidation?

Gather all your debts in one . The difference between this loan and a normal one is that with the consolidation the financial entity that gives you the loan will send the money directly to the institutions with which you have an obligation.

To request a consolidation it is very important that you be aware of your income and expenses, so you can make a family budget and you will know how much you can spend. One tip: totally eliminate your unnecessary expenses and try to generate in any way possible more income to cancel your debts, in this way you can organize your finances.

 

Benefits of consolidating your debts into one

Benefits of consolidating your debts into one

Consolidation is an aid to cancel debts such as: credit cards, cards included by commercial entities, personal loans, credits for studies and medical debts. In addition, when doing this procedure you will have the following advantages:

  • It is useful for short-term liquidity problems.
  • You will have a greater order in your finances by unifying your debts.
  • You will reduce your monthly expenses.
  • The interest rate will be much lower.

 

Now, how could you consolidate your debts?

Now, how could you consolidate your debts?

Credits Jen helps you to cancel your debts by consolidating them, request the ideal credit for you through our website and get a loan to pay your debts without surety, easy, fast and with your money in 24 hours.

This loan will have an interest rate of 5%. One of the lowest in the market and no hidden charges. Remember that to apply you must be over 21 years of age and be Guatemalan (for this you present your DPI), you must also have 3 month work continuity and give your cell phone number.

If you have many obligations and every month it costs you a lot of work to keep up with all your payments, consolidating your debts can be a good option for you, in this article you can know in detail how to consolidate your debts with a credit without surety. The important thing is to improve your financial habits, reduce your expenses and generate more income. This way your financial health will be in balance and you, much calmer.

Keep in mind that our experts will be willing to help you. Request your free advice and pay off your debts by consolidating.

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Bank Mortgage – Best Bank for Mortgage

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The Housing Credit is again the order of the day, with credit amounts increasing every month. We have seen an increase in the competition of the banks which has been translated in the reduction of the practiced rates, namely of the spread of the loan.

In this article we make a comparison of the offer of some of the main banks operating in Portugal, for credit values ​​of € 125,000.

Before You Begin Your Review

bank

The comparison we make is based on table spreads and simulators and despite our best efforts, it may have inaccuracies or errors.

Let us also alert you to something very important. These are not the best spreads you can get. Therefore, if you want access to exclusive and competitive conditions, do not forget to fill out the Rosalind housing credit form. We do the whole job for you and without any cost.

Client Type of Our Simulation Of Mortgage

Client Type of Our Simulation Of Mortgage

Our analysis was performed running the housing credit simulators and a set of the main banks operating in Portugal. In the simulations we used a type client with the following characteristics:

  • Not married;
  • Annual income of € 25,000
  • No other credit charges (if you have other credits we suggest you read the article “Consolidated Credit with Mortgage” that shows you a great money-saving strategy);
  • 35 years old
  • 30 years of contract
  • Loan / guarantee ratio of 80%

What is the best bank for housing credit?

What is the best bank for housing credit?

Our analysis consisted of comparing several variables in housing credit. So we left the alert to focus your analysis on the APR and NEVER on the spread . This is because there is still the practice of “hiding” costs that are not so visible, they are ultimately disregarded by consumers. But the fundamental variable must even be the APR, since this is the indicator of the costs involved in the process.

Based on the data collected in the simulations we conducted in May, Good Finance appears to be the most aggressive bank for a credit of € 125,000. The great value of this offer is the reduced obligation to contract associated products , with only the orderly account (which has no commissions) and life insurance and multi-risk insurance.

Following Good Finance we have Banco Santander but in this case the client has to be a Select customer (it obliges the contracting of several products). In addition, insurance costs are the most expensive in our simulation (we did not analyze the coverage here, but it is important that you consider the coverage in your analysis). For more information on life insurance we suggest you read our review on everything you need to know in life insurance.

It is possible to lower the mortgage credit spread!

It is possible to lower the mortgage credit spread!

Note that you can lower your installment. Rosalind has a two-pronged approach to ensuring you can save money on credit:

  • We negotiate the best conditions, seeking to lower the spread and exempt as much as possible the contracting of associated products. This negotiation aims at lowering the APR that it will support;
  • We negotiate insurance for you. In many cases the banks exempt the penalty for contracting insurance with another insurer. But even if they do not, it is possible that you save a lot of money.

We get lower spreads for your credit than the table

We get lower spreads for your credit than the table

We reinforce something that is essential in your analysis. By trading professionally and in large volume, we have spreads below the spreads identified in the table above. In many cases the reduction is very significant.

The Rosalind housing hiring service, besides guaranteeing you the best possible conditions, allows you to save time and hassle in all the bureaucracies. And it is a service that does not have any cost to you so you only have to gain in resorting to our specialists.

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Borrow money with negative BKR registration.

 

A negative BKR registration can weigh quite heavily on the possibilities to borrow money again. However, our advisers can be of good service if you need some extra money in the coming period. Request a thirst for apple or finance a specific purchase? The negative BKR registration can have consequences for a longer period of time, we will gladly check with you what is possible.

Recovery code at the BKR offers possibilities

Recovery code at the BKR offers possibilities

The arrears on current loans must of course first be made up before it is possible to borrow money again on the basis of a negative BKR registration. Is there still a backlog? In that case, you cannot simply borrow money again, mainly intended to protect yourself against an excessive monthly installment. Once you have redeemed the current loan, it is important to have a recovery code (H) applied by the agency that requested the negative BKR registration. Once that recovery code is there we can take the next step forward.

Arrears on loan already repaid

Arrears on loan already repaid

Do you have a negative BKR registration due to a backlog on a loan already repaid? There must not have been any coding on account of a settlement, the handing over of the claim or a waived loan. Is that not the case and do you want to borrow money again despite an old negative BKR registration? In most cases, our advisors can then be of good service to you.

Low interest for loan after negative BKR registration

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Even with an (old) negative BKR registration, it is possible to borrow money relatively cheaply at a low interest rate. We take a good look at your current and future situation, for example to prevent financial problems now and in the future. This offers the lender more certainty and prevents you from having to deal with a negative BKR registration again. Our advisors have extensive experience with such cases, so that we can properly advise you on this. That is completely free of charge and the quotation is free of obligation, so you are not tied to anything. Want to know more about our advisors? Contact us for more information. This can be done by making a request online, starting a live chat or contacting us by telephone. Our advisors are ready for you.