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The interest period can be changed, but not always!

I would take a fixed rate loan for 3 years, and after 3 years, I would like to change the interest rate fixation to 5 years. Can I do?
The expert gave the following answer.

If you look at the example, a home loan has a fixed interest rate for 3 years, if the fixation period is over, you can change the period, but there is something to consider, the central bank’s interest rate change indicator.

In the case of commonly used loan packages, the practice was that if we fixed the home loan at 3 years, we had to keep it until the end of the term.

There was no way to change

Today there is only 1 bank in Hungary where the interest period can be changed before maturity in the case of a market loan. If the example expires in 3 years, we can change the period with a free contract modification, with specified initial terms.

In the case of new consumer loans received, the interest period for each loan can be changed.

The rating can be changed for 3, 5, 10 years or for a fixed term for a full term.

There is one hurdle, however, because not all banks have several types of consumer-friendly loans. It is worth choosing where a bank offers at least two types of interest rates. Because if there is not just one period, then we have to get through it.

Let’s quote the expert

  • “Outside of the savings cooperatives, 3 of the 9 big banks can only choose from one type of consumer-friendly loan, meaning we have no way to go through interest rates”

Changes to the Free Interest Period must be requested in writing 30 days prior to the previous maturity date. It is predicted that interest rates will rise in 3 to 5 years, so we can start the next period with higher interest rates.

  • The longer the interest period, the higher the interest rate. This is because the banks are taking risks.

In summary, it is not common to switch between interest periods!

The big decision in our lives is to make a home loan, prudent, foresighted, thoughtful and responsible.
We would also like to help you with the administration, we can offer different current loan offers without having to visit several banks.

Our credit brokerage colleagues provide convenient, fast, reliable administration free of charge.
Fill out our form, we’ll call you back and we’ll arrange more!

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Do you need a cash loan at this time?

When we want to carry out large projects we imagine incredible things, we dream a lot and for a moment we imagine that there are no limits to meet our goals. However, we must be aware of the economic solvency we have to achieve our goals.

A loan can be the solution to start a new business, start a trip, make arrangements at home, buy a car or start a university degree.

Credit is a flow of money that a bank or other financial institution lends you on condition that you pay it under a certain amount and time limit. When acquiring it, some institutions in Guatemala require determining factors to approve or deny a loan, for example, the credit record, a guarantor or a socioeconomic study. With us it is different, in Credits Good Financee we ​​help you when you say “I need an urgent loan” .

Advantages of requesting a loan with us

Advantages of requesting a loan with us

With Credits Good Financee there is no need for a long and annoying process, we have innovated to give you the best solution and give you great benefits:

  • You get the right amount of money that can be used to cover heavy expenses in your home.
  • Our credits are made with custom fees and a convincing term, so you can improve your credit record.
  • We believe in you and for that, there is no need for you to have a surety.
  • We understand that you need fast and urgent credit, so we avoid long lines and complications. Here you will have your loan with basic requirements and with the ease of obtaining your money in 24 hours.
  • The Good Financee Extra, Good Financee Plus and Good Financee Premium credits have an interest that varies between 4.75% and 3.25% monthly on balances.
  • If you have previously applied for a loan with another financial institution, know in this article how to get out of your debts by consolidating them with a Good Financee Credit.

How to request a loan instantly?

How to request a loan instantly?

To ask for a loan, the best thing you can do is to advise you and look patiently where you will acquire it, since in several banks all they do is offer you very compromising fees with unfavorable rates and times for your economy; and instead of being a help to you, it will become a long-term problem.

With us it is different, you can locate us on our website and request your loan online, call us at 2300-1412 or contact us by WhatsApp at + (502) 4498-1234 . We will give you personalized advice so that the loan is your best option. or if you prefer, request your credit with us easily and quickly here.

Subsequently, it is necessary to indicate the term that suits your needs. You can choose between 24, 48 and 60 months of payment , each with different interest rates and benefits.

Remember that to finalize and request

Remember that to finalize and request

The credit you must fill out a form divided into 3 sections:

  • In this part you will be able to verify the amount, the months and the quota that you set previously. In addition, you can fill in your personal data such as names and surnames, telephone and email.
  • Here should be important information such as your location, age, NIT and your Personal Identification Document (DPI).
  • Finally, you only have to leave your profession, seniority, marital status, reasons for the application and your income.

Now that you know how your Good Financee Credit works, take a risk and start a new project with these profitable business ideas that are working quite well in Guatemala, or if you prefer, you can also learn to manage your money with these 5 free applications.

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Loan to take over other loans.

Loan borrowing? You can borrow money to combine several expensive or small loans into a single, well-arranged credit. This provides an overview and may help reduce costs, so that you pay a lower monthly payment for the various loans. Are you paying too much interest or are you missing the overview that runs the risk of late payments? It is a good idea to take out a loan so that you can transfer existing loans.

Cheap loan refinancing

Cheap loan refinancing

Transferring various loans to a single new loan contributes to the overview and affordability. Thanks to the low interest rate, you pay a lower monthly payment, the monthly installment is considerably lower. In addition, you have a good idea of ​​the money that is still open and the repayments that you must make each month. You can of course override both personal loans with a fixed interest rate and revolving loans with a variable interest rate. We are happy to advise you about the possibilities.

Personal loan or revolving credit

Personal <a href=loan or revolving credit” />

Do you have multiple personal loans and do you want to combine them into a single, cheaper loan? Is there a personal loan as well as a revolving credit and are you looking for ways to make this easier? We can imagine that. At Fienatent we ensure a competitive interest rate and help you get the overview back. You can take out a loan to take out other loans, so that a single credit is created that you can pay well and pay back in a clear way.

Advice for rescheduling

Advice for rescheduling

Wondering what is possible or what you should count on if you transfer the loans to a new cheaper loan? We are happy to assist you with free advice. We advise you on the possibilities, outline both the old and the new situation and of course provide the lowest interest rates in the Netherlands. The result? You can transfer your existing loans to a new cheaper loan. In this way we ensure that the monthly period will be lower and you will have the overview again. Call us, chat with an advisor or request more information. We would like to hear from you.

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

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

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

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

Low <a href=interest for loan after negative BKR registration” width=”660″ height=”447″ />

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.

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What does a student loan do with my future?

 

Are you a student and wondering if you can get a loan !? As a student you would think getting a loan is a difficult task. Nothing could be further from the truth because as a student you can get a loan in different ways where the provider is aimed at students. You must, however, be older than 18 and in most cases follow a full-time study.

Student loans with a revolving credit.

Student loans with a revolving credit.

Most Dutch banks offer student loans with a revolving credit of up to 5,000 euros. These student loans can often be paid off in the first few years without interest, but this interest is charged to the final balance. This means that you only pay the interest when you are no longer entitled to student finance. In most cases you even have the option of paying off your withdrawn credit one year after the student loan has ended. Interest is charged on this extra waiting year.

A short advance

A short advance

In addition to the maximum ‘red’ standing at your bank or the maximum additional loan to DUO (Education Implementation Service: former IB-Groep), you can also receive a temporary ‘advance’ which in most cases applies up to a 500 euro limit. You can get the desired amount in your account within ten minutes. Please note that you must pay it back in time because the interest rates on such loans are quite high. With this form of borrowing you do not have to take a full-time study.

Tax benefit.

Tax benefit.

If you are following a full-time course and you are probably borrowing more than a student loan with a parental contribution, you will not receive a tax benefit. This is because they are untaxed. When you borrow from a commercial company such as a bank, you are in most cases entitled to a refund of your tax. This is in fact added to your debts.

Are loans by definition expensive?

Are loans by definition expensive?

No, as a student you have to deal with an enormous amount of expenses such as rent, school fees, book fees, clothing, telephone and internet bills, etc. If you always receive extra administration costs on top of your reminders or even have to pay bailiff costs, in this case the interest on student loans is many times cheaper.

What should you pay attention to when taking out student loans?

What should you pay attention to when taking out student loans?

Take a good look at the duration of a loan in advance. With every loan you get a time frame in which you must have repaid this loan at the fixed interest rate. If you take longer to repay, higher interest rates will be added to your final balance.

Compare the interest rates with multiple providers. Every financial organization uses different rates. The interest rates can vary considerably and your task is to find the lowest interest rate. See if you have the luxury to take out a loan. You must of course be able to pay it back at a later date.

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How the new Mortgage Law affects cross-product contracting

The new Mortgage Law was born with the main objective of protecting the consumer.

It does so in such important aspects as the duty of prior information and the obligation to consult up to ten days in advance of all documentation before the notary. It also seeks the formation of more transparent prices , especially in the case of delay costs, which do not punish the citizen.

For all these reasons, it has also legislated on a controversial and abusive aspect: the obligation to contract products to grant a mortgage. The change and clear differentiation between the mandatory linkage, which is eliminated, and the regulation of the optional contracting of products to improve the conditions of the mortgage has become an essential point of the new Mortgage Law as explained below.

Willingness of contracting for the benefit of the consumer

Willingness of contracting for the benefit of the consumer

Compulsory contracting of insurance (life, home, payment protection, …), bank accounts, cards and even pension plans had become a very common practice in many financial institutions. The main problem is that as a mandatory condition this linkage made it difficult to remove these products , which in many cases meant a cost overrun for the consumer. They even secured payment on products such as life insurance by paying their entirety as a single premium at the time of contracting the mortgage (sometimes this disbursement was even financed through the loan).

With the entry into force of the new Mortgage Law, these practices are prohibited. The client is free to choose with whom and how to contract these products and look for the offer that, by price and conditions, is the most beneficial.

How product contracting is regulated now

This does not mean that the lender is prohibited from offering insurance that leads to an improvement in the price (interest and / or commissions) of the mortgage, but it does radically change the scenario so that this voluntariness is clear.

Now the product is not linked (mandatory), it is combined . For all these reasons, its benefits and risks must be clearly reported and simulated scenarios provided where appropriate. The cost of each product or service is also broken down and at least two offers are separated. A first, with the conditions of the mortgage without the hiring of these products and at least another with the costs and conditions if these optional products are contracted.

Insurance and the new Mortgage Law

Insurance and the new Mortgage Law

Because it is the most important product in this cross-contracting, insurance deserves special mention. Thus, the new Law details that if it is decided to contract with the bank, a series of conditions must be met:

  • Have an annual maturity (eliminating the single premium formula).
  • That the policyholder has the freedom to renew them or change the insurance company.

With all this, the new legislation makes it clear that the cancellation cannot adversely affect the conditions of the mortgage. Even in mandatory insurance, such as property damage , you can present insurance with any entity provided it has the same conditions and benefits.

With all this, the client gains in transparency and freedom of choice, a flexibility that can lead to improved conditions and achieve savings.

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Loan advice by specialists.

Good loan advice helps you make the right choice for a loan. Do you have a nice new car in mind, do you want to renew the kitchen or do you want some extra money now that the children are going to study? In those cases, it is a good idea to get loan advice from our specialists. We help you take out the best loan by taking a good look at your current situation, the expectations for the future and the expenditure you want to make with the borrowed money. In this way you can take out the best loan that you can continue to pay well both now and in the future.

Take out the best loan

Take out the best loan

A loan advice helps you take out the best loan. A credit helps you with the desired financial resources, provided you use them correctly. What is the maximum amount that you can borrow, how will the monthly installments develop and does the term match the type of expenditure you want to do? These are important issues that can be addressed during the no-obligation and free loan advice. In this way we ensure that you can take out the best loan, which you can then use optimally.

Loan and the expense

Loan and the expense

We look at three different things for the loan advice. First of all we assess you for your current situation. What is possible when you want to borrow money and how can it fit in with the current balance between income and expenditure? We then look to the future together with you. With the loan advice, we ensure that the credit is affordable both now and in the future. Thirdly, we take into account the expenditure that you wish to make. We adjust the loan advice accordingly, for example with regard to the duration of the loan.

Handy tool and free loan advice

Handy tool and free loan advice

The handy tool below gives you insight into which loan type suits you best based on your answers to 7 questions.

Do you want full loan advice? We can advise you free of charge and offer a no-obligation quote from various lenders. This means that you can prepare well for the possible loans and the monthly installments that you must take into account. 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.

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Balance tip experiences »Trusted borrowing or not?

Balance dip experiences can you borrow in a familiar way or not? In fact, I had never thought about borrowing money. Borrowing money, after all it only causes problems, I had inherited from home.

I am very careful with my money and my job as a housekeeper and my husband’s job, we have always been able to make ends meet. However, I changed my mind last summer. My husband and I were enjoying a drink with our neighbors in the sun on a terrace in Almere and then the upcoming vacation came up. We always go to Spain to our permanent destination Costa del Sol.

Borrowing for your dream vacation?

Borrowing for your dream vacation?

Normally our neighbors always go abroad and rent a hotel room, but this time they said they had bought a caravan through a marketplace for less than 1500 euros and were looking forward to being at the campsite.

Then I immediately had to think about my childhood in which I and my parents sometimes stood in a rented caravan on a farm. My sister, brother and I have great memories of this. I was immediately enthusiastic and I noticed that my husband was already looking forward to a camping holiday.

Not so much saved

Not so much saved

For the first time I thought it was a shame that we had saved so little. We only save for necessary expenses. But yes, should we let our dream camping go? There was nothing else to it but it didn’t really feel good to me.

Then you have worked hard for many years and also invested a lot of money in the children who are now almost grown up. Of course I am very happy that they all ended up well but you also want to save money for yourself. That is why I decided to browse around on the internet for lenders.

Compare lenders

Compare lenders

I found a lot of them, so comparing wasn’t the easiest task I can tell you. But in the end I decided to choose Saldodipje because I knew this from my best friend Naomi who borrowed money through this website to be able to shop in Turkey and she liked it.

If a website is recommended by acquaintances, you still trust it more. What I immediately appreciated about Saldodipje was the clarity. You can directly determine via a slider how much you want to borrow and the term, I did not expect that.

Clear information

Clear information

Hubby was of course less enthusiastic at first, but I knew he had already been looking at caravans at Marktplaats. And unfortunately there was no opportunity for him to go to work anymore, because he had been working for 45 hours and currently he was in the midst of a reorganization.

That is why Balance Dip was actually left as our only possibility to be able to buy a caravan. When my husband saw that you could see very clearly what the interest was and how high the amount was that you would eventually have to pay back, I noticed that his opinion also changed slowly.

Choose by yourself

Choose by yourself

After much consideration, my husband and I decided to borrow 1500 euros through Saldodipje. Quite a gamble, because my husband was still afraid that he would have to pay usury. After all, he had read this on the internet. But it turned out that we had the choice how much we wanted to pay.

After all, an annual percentage rate (APR) applies to the loan through Saldodipje of 13.99%. This amount is fixed. But a guarantee is also required for the loan. We chose my brother Hendrik. He fully supported our plan for the caravan and found it no problem at all.

1500 euros in the bill

1500 euros in the bill

We informed the seller of the caravan that we first had to prepare the loan and that was of course exciting. Soon it would not work on time and then the caravan was already sold out. After all, there were other bids on it. My dear brother immediately feels a copy of his proof of identity and a signed joint and several agreement. We were dependent on the processing time of my bank (ABN AMRO) and it eventually took a day. In fact, we couldn’t believe our eyes when we actually saw 1500 euros in our bill.