May 22, 2020

Mortgage lending via direct banks: a smart decision

Often it turns out in the interesting comparison that attracts the best terms of mortgage lending at a direct bank. But many aspiring builders and buyers are only partially pleased, they would like to have financed the property through their house bank. Thus, there is a certain amount of skepticism and many people are wondering what they should do now. The question is usually: “who should I contact in case of an emergency at a direct bank?” This uncertainty is perfectly normal and widespread. A punctual payout is important Nevertheless, nobody needs to be afraid. It is best to, first of all, keep an eye on the risks of real…

May 17, 2020

Home loan and obligation to domiciliate wages

Bank domiciliation consists of repatriating the management of its bank accounts and its income within the bank which grants the mortgage. The domiciliation of income and bank accounts is not compulsory in the context of obtaining a mortgage, however, it can allow obtaining more advantageous conditions.   The principle of domiciliation of bank income A borrower who files a mortgage loan application in a bank or a credit institution will be offered financing with generally the domiciliation of his wages and the management of his bank accounts within this same institution. This is commonly known as direct debit. A bank that successfully repatriates the subscriber’s accounts within its branch may…

May 10, 2020

Breast Enlargement Credit offered by the cooperation partners.

Breast augmentation can become an issue for a variety of reasons. Often, however, the funds are not available in one amount, so the loan is necessary for breast augmentation. There are various options for this type of financing, which should be tailored to the individual situation. Before applying for a loan, it is also advisable to have several offers for the medical intervention and to clarify the support of your own health insurance company. Since breast augmentation may also be necessary from a medical point of view, for example to prevent mental illnesses in women (such as after breast removal) or to cure it, there is a possibility that the…

May 5, 2020

Online credit with instant approval without Credit bureau.

Obtaining an online loan with an instant confirmation and without Credit bureau information is difficult. Getting by without professional help is becoming increasingly difficult. The credit market has changed in recent years. In the past, loans that were rejected in Germany due to their poor credit rating or poor Credit bureau were easy to get from foreign banks. Today, in the context of the USD crisis, these banks have become much more cautious when it comes to lending. The loans are still being offered, but the approvals are subject to stricter conditions. The online credit with instant approval without Credit bureau current. Online credit with an instant approval without Credit…

April 11, 2020

Credit to households increases thanks to home loans

According to a recent Best Bank statistic, loans to households continue to increase, but only thanks to the particularly advantageous supply of mortgage loans. A different progression depending on the credits With $ 1,131 billion in outstandings at the end of March 2013, loans to households represent more than 58% of all loans granted to the French non-financial sector, and posted a growth rate of 1.9% compared to 2012. On the one hand, mortgage interest rates have never been so low (3% on average for April 2013 according to the Housing Credit Observatory), resulting in a windfall effect which compensates for the still high prices in the sector immovable. However,…

April 10, 2020

Credit credit check for self-employed and craftsmen.

With a credit check, the bank assesses the credit default probability Now, self-employed people can do their own credit check and see how they would judge the bank on a loan! Many companies, the self-employed and craftsmen can not understand a credit decision of banks and savings banks. In addition, self-employed and craftsmen usually get only a “yes” or “no” after applying for a loan. A justification for a credit decision is often missing. Each credit application must be subject to a credit check. This is equivalent to a credit check. A key role in a credit decision is played by the Basel II + III rating. The credit default…

March 11, 2020

How much to borrow without insurance? | Loan Insurance

Loan insurance is optional, it is possible to calculate how much one can borrow without insurance, but this cover is very often required by lenders. How much can I borrow without insurance? Do you have a credit project, whether for a real estate acquisition or a personal project, and you want to know the amount that can be borrowed without insurance? It is enough to carry out a simulation of borrowing capacity within the framework of your mortgage or your consumer loan. The idea is to obtain the maximum loan amount that can be taken out with a bank taking into account only the credit, without the amount of loan…