hericz.net http://www.hericz.net My WordPress Blog Mon, 11 Mar 2019 15:28:11 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Loan despite debts – providers that really help – apply here http://www.hericz.net/2019/03/11/loan-despite-debts-providers-that-really-help-apply-here/ http://www.hericz.net/2019/03/11/loan-despite-debts-providers-that-really-help-apply-here/#respond Mon, 11 Mar 2019 15:28:11 +0000 http://www.hericz.net/2019/03/11/loan-despite-debts-providers-that-really-help-apply-here/


In our fast-moving times, packed with all kinds of consumption, we sometimes spend money on things that are not necessarily existentially necessary. We let ourselves be seduced by the oversupply, want to keep up with others and prove something to ourselves.

Debts are quickly created that, in the worst case, can no longer be controlled and can not be eliminated on their own. A fact that every 10th has to fight in our beautiful country.

Around 8 million Germans are over-indebted. In addition, there are those who use loans or have borrowed money by other means. Ascending trend. For many of them, a loan seems to be the last resort out of debt. He should summarize and pay off the liabilities. At best, with the help of small handy installments, which can be comfortably operated with the help of monthly income.

There are two different ways of taking credit despite debts. What are these and what should be considered, we have summarized here once for you.

Debt is not a trivial offense

In order to get the most out of taking a loan despite debt, it is important that you know that debt is not a trivial offense. Unfortunately, they have become a matter of course in our time, because all sorts of things can be financed and so no one really thinks anymore, whether he can really afford the things or not. Therefore, the mountain of debt is also growing more and more, which eventually can no longer be controlled.

If you want to take out a loan despite debts, then you should not do this to accumulate new debts, but to summarize and reduce the old debt. The expert speaks in this context also like a rescheduling.

If, on the other hand, you were to incur further debts, at some point the great awakening will come. Namely, when the bailiff is at the door or the account was seized. So that it does not even come so far, should be done in time and above all right. With a loan despite debt, which ensures order and security in the finances.

A loan despite debt with private credit

A loan despite debt with private credit

If your debts are only superficial and therefore not yet recorded in the private credit, you have the best chance of getting a loan despite private credit, because then you can use regular loan offers and you do not have to look for alternatives.

Calculate your debts and make sure that even small amounts are not forgotten. If you want to eliminate your debts with the help of a loan despite debts, then this must always be done correctly and completely. Otherwise, the whole project can fail.

Then consider what monthly rate you can comfortably tolerate. Compare your income to spending and see how much financial leeway there is for debt despite debt. Do not plan too close. You have to be able to repay the loan to the bank for many months. Therefore, opt for a smaller, rather than too high a rate.

With your preliminary considerations, you can then go in search of a suitable loan offer for a loan despite debts. With the help of a comparison calculator you will succeed with certainty.

A loan despite private credit without questioning the private credit

However, if the debts are so extensive and sustainable that they already appear in the private credit, borrowing from one of the traditional banking houses is hardly possible. They do not give credit to consumers who have a negative reputation. You would have to be able to name at least one guarantor in such a case in order to be heard at all at this point.

Try your luck with credit intermediaries or abroad. Credit intermediaries work with private investors who provide your money and get a decent return. A win-win situation for everyone involved, which also benefits you, as you get a loan that otherwise might not be possible.

Foreign banks, however, make their own money available. However, they have the advantage that they can not query the German private credit from abroad. Your debts are therefore not an issue when borrowing.

However, do not forget that banks abroad know very well why you want to take out a loan there. After all, they are the detour you usually only go through when you have problems and can not get credit on the regular way.

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Why better consolidate debts with a mortgage loan? http://www.hericz.net/2019/02/25/why-better-consolidate-debts-with-a-mortgage-loan/ http://www.hericz.net/2019/02/25/why-better-consolidate-debts-with-a-mortgage-loan/#respond Mon, 25 Feb 2019 02:55:26 +0000 http://www.hericz.net/2019/02/25/why-better-consolidate-debts-with-a-mortgage-loan/


 The level of interest rates is extremely important to mortgage lenders, as they indicate how expensive borrowing is overall. With low interest rates, larger sums can be easily financed, and the repayment installment can be increased accordingly to achieve faster debt relief. Germany and Europe are currently experiencing a period of low interest rates, as the European Bank lowered its key interest rate in March 2016 to 0.0 percent. Even long-term investments hardly offer higher returns. Experts do not see any major changes at this time, so that favorable terms for real estate lending business are likely to be expected in 2018 as well.

What the interest on mortgage lending depends

What the interest on mortgage lending depends

When talking about the level of mortgage interest, many people first look at the key rate of the European Bank, which is also present in the media. It indicates the conditions on which banks in Europe can make short-term use of central bank funds. A low base rate always means low costs for the banks. However, the market for real estate lending interest is less oriented to short-term yields, but rather to long-term investments such as Pfandbriefe or bonds. Finally, real estate loans are refinanced on a long-term basis. But here, too, a low interest rate has been seen for months, because the relationship between supply and demand is negative. And this despite the fact that German government bonds in particular are in high demand among investors due to the first-class creditworthiness of the German government. Mortgage customers, however, are pleased about this development, because as the banks can refinance at low interest rates, lending rates have also fallen. Currently, it is possible to obtain ten-year real estate loans with an effective interest rate of 1.4-1.6% per annum.

The interest rates for real estate financing depend on this:

  • Monetary policy decisions of the central bank
  • Conditions and rates of long-term fixed income securities
  • The creditworthiness of the debtors

In addition to the important monetary policy decisions of the EB, which are undoubtedly enormously important for finding a condition for mortgage lending, the creditworthiness of each individual also plays an important role. When determining creditworthiness, which is also called creditworthiness, banks check the likelihood that the loan can be repaid. Among others, the following factors are checked:

  • Amount of revenue and expenditure
  • Determination of the budget surplus
  • Reviewing the data of Private credit
  • Value of the property, which is available as security

The most important criterion for the creditworthiness of a customer is its budget surplus, because this money will be used to finance the later credit installment. Only if this is high enough and a certain liquidity reserve can be formed, lending is possible. But also the data of the Private credit and finally the value of the property are important. Since the property is used as collateral, its value must at least equal the amount of the loan. The banks carry out a valuation, which is created according to their own specifications.

The interest rate decisions of the central banks around the globe

Of course, the most important criteria for interest rate developments in Germany are the decisions of the European Bank. The current chairman, Mario Draghi, and his team decide monthly on the continuation or termination of monetary policy, based on economic developments in Europe and the associated inflation. The EB is aiming for inflation of around two percent, which has not been achieved for several months. In order to stimulate the economy, key interest rates were reduced to 0.0 percent in March 2016. At the same time, a negative deposit rate of -0.4 percent was introduced. Banks who now deposit money with the EB because they can not currently issue it as a loan, have to pay money. This should encourage the banks to issue more loans to companies and individuals. If this capital is then invested in the economy, it should grow again. To make the effect even stronger, the EB buys bonds to make this money available to the economy. This increases the money supply, supply exceeds demand and interest rates fall.

The EB’s current monetary policy measures:

  • Buying bonds for a higher amount of money
  • Key interest rate of 0.0 percent
  • Negative interest on bank deposits

Not only the decisions of the European Bank are important for the development of interest rates in Germany. The decisions of other central banks around the globe must also be taken into account. Particularly important at the moment are the decisions of the Fed, the US Federal Reserve. In the US, the central bankers have already moved away from the zero interest rate policy and have raised the key interest rate in small steps. Although this development has not yet passed to Europe, this can certainly happen with positive economic data.

Expectations on mortgage interest rates in 2018

At the conclusion of mortgage lending compare at rest

 The year 2018 has started very quietly in the field of mortgage interest. Although these increased slightly by ten basis points in mid-January 2018, there has been a sideways movement on the market for weeks, which may well be maintained for some time. However, over the course of the year, this assessment could change, especially against the background of the following:

  • further rise in key interest rates in the US
  • Exit of the EB from the expansive monetary policy
  • Rise in the base rate in the euro area

EB President Trigha has not yet decided on an end to the low interest rate policy at the January meeting. However, he sees the economic development in Europe slightly positive for the first time. However, inflation still falls short of expectations at around 1.4 percent, even though it has already reached 1.7 percent in Germany. Should this trend continue, however, the current bond purchase program, which is approved until September, could be suspended. With further consolidation and rising inflation, it would even be possible for the EB to make a first positive interest rate move already at the end of 2018 or at the beginning of 2019. At the latest then also the mortgage interest will react and rise.

At the conclusion of mortgage lending compare at rest

Since interest rates are currently very low and hardly any changes are expected in the coming weeks and months, interested parties should not react too quickly when concluding mortgage lending. It is important to review the offers of the banks in peace and compare. Despite low interest rates, not all institutions offer really low interest rates, which may be due to the different valuation guidelines of the properties and customers. But business policy decisions and of course local competition also play a role. In addition, the terms of direct banks are often lower than those of local branch banks.

Tip: Take the opportunity and compare different mortgage lending offers. And not only in terms of interest rates, but also the other agreements such as special repayment options or redemption variants.

If you are looking for a mortgage, you do not necessarily have to arrange it with your own bank or savings bank. Many institutions offer real estate loans, including financial advisors, who can resort to several offers from different banks. Possibly also the combination of mortgage loan and Construction loan contract would be meaningful, because with such constellations it is possible to agree on the interest binding up to the end of the term. Here, however, the individual case and the individual life situation have to be considered. In any case, funding should be compared against the APR, which indicates how much the overall cost burden will be. But also special conditions such as the special right of termination or the amortization option should, as mentioned above, not be disregarded.

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Building Fund Loans | Online Loan | Debt consolidation http://www.hericz.net/2018/12/25/building-fund-loans-online-loan-debt-consolidation/ http://www.hericz.net/2018/12/25/building-fund-loans-online-loan-debt-consolidation/#respond Tue, 25 Dec 2018 14:32:10 +0000 http://www.hericz.net/2018/12/25/building-fund-loans-online-loan-debt-consolidation/

Looking for loans with a payroll?

If you are on this page it means that you are looking for construction payroll loans. Today, with apobank, you can obtain a quote for a transfer of the fifth in all simplicity, even if you have a voice in the payroll.

Compared to the past, where the building was not well valued by banks and financial institutions, it is possible in many cases to obtain financing even if you work in the construction industry and you have this type of voice on the salary, reading the whole article we will give you some useful details to understand how it works.

Loans to building employees: what is the most suitable loan?

Loans to building employees: what is the most suitable loan?

Getting liquidity, with the advent of the real estate crisis, has become difficult for both the construction companies and their employees. The best solution for building employees nowadays is to get a one-fifth of salary construction. With this type of financing we can also provide important figures provided that:

The applicant has been employed for an indefinite period for at least 3 years


Whether on the pay check (for example), a voice such as building cashier in Milan, cashier building in Turin, cashier in Rome in order to make the specific request for this product

If you are part of those employees who have the above requirements, you can access a building loan with more ease than before, even if you have tried with other bacnche or flank and the request has been rejected (there are few operators who at the moment they allow access to this loan formula).

Building loan loan: what are the characteristics?

Building loan loan: what are the characteristics?

To obtain a building loan, you need a few documents to evaluate an estimate without obligation, you will need to provide, for example, a copy of:

– Identity card
– Fiscal Code
– Last paycheck
– Model Cud 2018

In a few hours you will be able to find out what liquidity you can have on the basis of a careful analysis of your documentation that will be carried out by specialized operators and authorized to operate according to the law.

We would like to clarify that all building estimates are still subject to approval by the granting institution but with good probability you will get your loan in a few days.

Building loan loan: what are the main features?

Building loan loan: what are the main features?

The main characteristics of the construction funds loans are those of the assignment of the fifth salary, namely:

– Single signature.
– Fixed installment for the entire duration of the sale.
– Fixed rate for the whole duration.
– Repayment times from 24 to 120 months.
– Without cost purpose.
– Directly to your home.
– Even in the presence of other loans or mortgages.
– No feasibility problems for bad payers.
– Even in the presence of protests and foreclosures.
– Even in the presence of payroll construction.

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