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Loans between individuals with online disbursement.

In 2005 a new method of financing was born in Great Britain: social lending. This is the online and innovative evolution of the ancient loan between individuals, which provides for financing relationships between two or more people, without the presence or intercession of a bank or financial company. Arrived 10 years ago also in our country, this solution seems to be currently attracting different subjects, without however reaching a widespread reputation. Let’s see together how the system works, why it is to be considered a safe system and what are the main actors in this context.

What it is and how it works

What it is and how it works

The principle underlying the loan between private individuals is the substantial absence of banks or financial companies. In this reality, in fact, applicants and the subject that grants the amount are private individuals who interact directly with each other thanks to the use of dedicated portals which, as is the case in the most traditional online markets, are intended to represent a meeting point between supply and demand. while also protecting the security of the loan itself. The advantage, as can be guessed, is a decrease in the cost of the loan itself, given the absence of an intermediary and therefore of an “important” transition such as that of the bank.

Compliance with the procedures and control of the subjects, as happens in the case of traditional loans, are however guaranteed by the platform, which takes care of assessing the profile of the applicant as a bank would actually do. The analyzes on the applicant are carried out before “presenting” it to those who have the capital to invest, or better to lend.

In addition to representing an excellent opportunity for those who are looking for a loan, this solution also represents an excellent investment solution for lenders who have the opportunity to diversify their investment portfolio, distributing it on multiple loans and therefore minimizing the risk.

The procedure therefore appears safe and guaranteed, but is not yet widely used in our country. In fact, the Italians’ approach still seems to be influenced by the widespread diffidence addressed in general to the world of online transactions, not surprisingly, the success of this formula is directly proportional to that of e-commerce in the various regions of Italy. Lombardy is therefore the queen in the use of this system.

The reference portals

The reference portals

There are two main active portals on this front: Smartcal and Fastaportal.

Fastaportal is a portal that allows you to request a specific sum of money (between $ 1,000 and $ 15,000) to be returned in a period of between 2 years and 4 years. During the request, the subject will be asked to forward his identity documents, the latest paychecks, the latest CUD and any existing loans.

At this point, the portal that studies the applicant’s profile and assigns it a rank, usually between an A and an E (and the related intermediates), enters the scene. To a different rank, different interests will correspond, precisely because the rank is an index of the risk connected to the profile of the applicant.

At this point the figure is placed in the market place visible to investors, who through the granting of small loans (which oscillate around 30 USD) can cover the figure.

Similar is the way Smartcal works. The platform allows you to apply for a loan with a rate of up to 5.60% and to present yourself as a de facto lender by investing only 100 USD and being able to count on profits that can reach up to 6.50% against a very small and simple management investment. The numbers linked to this portal are decidedly good, since we calculate more than 6,000 active lenders, 5,000 loans disbursed, 25 million disbursed, really important numbers if we consider that it is a single portal.

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3 tips on what to do if you don’t receive your Payroll Card bill

Do you have a credit card and didn’t receive the payment slip? Learn what to do if you do not receive your payroll card statement, not to enter revolving credit and always have credit limit available when you need it.

3 tips on what to do if you don’t receive your Payroll Card bill

money loan

I didn’t receive the payroll credit card bill, how to pay?

The payroll-deductible credit card has its invoice automatically deducted from the INSS benefit or salary of its holders. However, this amount is limited to 5% of the payable margin, which is calculated based on retirement, pension or monthly salary. If the balance payable within the month is higher then it must be paid by the invoice or payment slip. But the question is always: If the bill is not received, what should I do to pay it?

Good question! Check out now the 3 tips of what to do if you do not receive the ticket.

1 – Contact bank to request barcode

Not receiving your Payroll Card bill does not eliminate your payment. On the contrary, this can make the debt bigger as interest and penalties are charged for late payment. In these cases it is therefore necessary to contact the bank to request the barcode for payment. This order can be placed online or in person, at banks or own stores.

The applicant should have personal information such as the holder’s name and social security number and answer some questions for security reasons. These questions may include your card number, home address, invoice due date, and more. Thus, it is very important that the holder himself makes contact with the banks.

In case of being an account holder of the same bank with the card, the user can reissue the invoice online, without having to contact the Relationship Center. The service is free and access to information is immediate.

2 – Confirm Address Information

It is always valid to check the address to which the invoice is being forwarded (even if no change of address has occurred).

Another option is to check with the issuing bank whether you can receive the invoice electronically by email to ensure you receive it on time. This can help to minimize or reduce future problems.

3 – Make payment with barcode

With the bar code and value in hand, it is possible to pay at self service cash machines, ATMs, lotteries or even through internet banking.

The amount charged may be added to the charges or these amounts may be added to the next month’s invoice. Remember that the barcode is generated for payment on a specific date and has a specific value. If not paid on time, the amount must be renegotiated. Take the opportunity to note the bank numbers and contacts, to request the updated bill if you do not receive the Payroll Card bill.

Proof of payment

money loan

Always remember to save the proof of payment. This document is valid as proof that the amount has been settled and therefore in case of any problem simply present the original voucher or a copy of it.

If you receive your month’s bill of payment after its due date, file to avoid making a duplicate payment. Another very important tip is not to be confused about payments, is always check the value of the invoice.

Understand now why pay the invoice if you have had monthly expenses that exceeded the payable margin amount.

Why should you pay the invoice?

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One of the most obvious reasons is: keeping bills up to date. An essential caution is to control spending so as not to exceed what is earned within the month.

Paying the full amount of the invoice the holder does not enter the revolving credit, which is the additional limit. The advantage of this is, besides saving money, having a credit limit available when you need it.

Want to make a payroll credit card?

money loan

Alliance World Company can help you contract the payroll credit card you need! Compare payroll credit card offers from different banks and choose the best one for you.

Simulate your payroll credit card

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Is credit card insurance worth it? See the answer here

Unfortunately, it is not news to anyone that violence in big cities has grown alarmingly. Precisely for this reason, insurance has become part of the Brazilian’s life and consumes a significant portion of his income. We are looking for life insurance, vehicle insurance, home insurance and now even credit cards. But is it worth it to get credit card insurance? Follow this post and discover its advantages and disadvantages:

 

Insurance price

Insurance price

The insurance paid on the credit or debit card hardly exceeds $ 5.00 per month, which, per year, would not even reach $ 60.00. This value is considerably small given the headaches you could avoid if you had your card stolen.

Some carriers allow improper purchases not to be charged to the cardholder even a few days before the date of the notification, and the same holds true in case of card loss. They cover all amounts that are spent until the card is locked. But beware: anyone who has the habit of leaving the password noted along with the card loses the right to insurance coverage.

Some carriers also offer protection for purchases made over the internet, others do not. Therefore, always check with your administrator which coverage is available and which events are not covered.

 

Customers with many cards

Customers with many cards

If you are the type of person who has multiple cards but only uses one or two, you may be wasting money. Ideally, you should have just enough cards to make routine purchases and have a limit available to install purchases when needed. Other than that, having too many cards increases the risk of loss or theft and ends up generating annuity and insurance expenses that will never be used.

This can also make it difficult to keep track of your spending. The idea of ​​the card is to centralize all purchases in one place and to identify where your biggest expenses are, in order to make a financial management.

Avoid going out with all your cards at once. It’s always good to leave a spare at home. So if one of them is lost, you can use the reserve while waiting for the duplicate of the other.

 

Insurance Services

Insurance Services

Insurance usually offers a number of other benefits that are not just limited to loss and theft. Some offer accident compensation, travel cover, lost document and luggage coverage, airport lounge reservations, emergency accommodation etc. There is even insurance that covers theft of portable objects such as cell phones and other devices.

The downside is that a lot of people don’t even know that insurance offers it all, and sometimes it doesn’t take advantage of it when it needs it. Because it is such a small amount discounted on the invoice, some forget to read the prospectus and do not write down emergency phones.

But that won’t happen to you anymore: From now on, leave these numbers on your mobile phone or some other easily accessible place and check what coverage and services are offered to you. When in doubt, call the service center and ask an attendant to explain the benefits to which you are entitled.

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Secured Loan: Know the Mode

 

Secured home loan has become increasingly popular in Brazil. Its growing demand is due to the fact that installments and fees are more affordable to the consumer.

However, to get this type of credit you need to pay attention to some requirements. Want to know what they are and the advantages offered? Just keep reading today’s text.

 

Home Secured Loan: What is?

home loan

This type of credit is very similar to auto loan, however, instead of disposing of your car, you offer your property to the bank in order to secure payment in case of unforeseen circumstances. Remember that in addition to your home, you can also offer business establishments.

Even if the bank requires the repayment of the property to make the loan, it is possible to sell it while repaying it. However, the process is different from traditional procedures.

In this case, when finding a buyer of your property, you need to specify that the money obtained will be for the debt settlement. Even if the process takes up to 30 days, the buyer will pay off the balance and wait for the bank to withdraw the sale of the asset.

Before applying for your loan, it is important to evaluate whether it pays off or not. In the event of an unforeseen event, there is a great possibility that you will lose your property, which will cause immense damage to your pocket and family.

 

How to apply for secured loan?

How to apply for secured loan?

Because of the many offers on the market, the first step is to look for a financial institution that offers conditions that fit your needs.

After choosing where to borrow, the credit company will review your profile. After concluding that you will be able to afford the debt, the bank will arrange an appraisal to check the condition of the property.

The analysis and evaluation worked ?! Great! Now it’s paperwork time. Before signing the contract, it is important to read it carefully. After all the paperwork, your credit will be approved.

 

It’s important to be careful

secure loan

When deciding to close deal, do not forget that your property will be sold to the financial institution. Overdue installments may allow the bank to auction off your property to get back the borrowed money.

Other than that, it is worth remembering that the property can only be disposed of once per operation, ie it is not possible to make another secured loan while one is in force.

Another point that is worth your attention, is the value of the loan, which can not exceed 60% of the value of the property.

Apart from this type of credit, there are other options available in the market such as payroll – deductible loans and payroll loans guaranteed by bank. If you are negative and want to know if you can make loans anyway, you can click here for more information on this.

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Is it worth a loan to study?

Being able to study in a quality institution is the dream of many young people. But financial conditions are not always doing well to make it happen. It is for this and other reasons that it is worth thinking about getting a loan to study. Want to know if this is the best option right now? Enjoy reading this article to answer your questions.

 

Why apply for a student loan?

student loan?

If you want to study, be it a degree, a specialization, a free course or whatever, but the bills are tightening your budget, then this is a good time to apply for a student loan. But remember that this type of credit is indicated when the amount invested is very high, well above your budget.

You do not have to be negative to go after the loan. Just ask for the extra amount, which you want to invest where you consider it important, in this case the studies. Personal education and training is a good investment, considering that in the future this will give the opportunity to grow professionally, bringing a financial return.

 

How to study with a funding?

How to study with a funding?

Before deciding on the loan, a very important tip is to choose the institution you want to study at. Do a good research on the courses and possibilities and see what catches your eye in order to invest.

There are several financial companies in Brazil that offer this type of loan to future students. For this reason it is essential to research institutions and interest rates so this expense does not generate a snowball in the future.

 

What is the best loan my studies?

What is the best loan my studies?

Aregon has the mission of making financial matters easy for you, so we will give you some tips for finding the loan that may be right for your needs. First, let us know you: make a brief registration on our site, with total security, so that we can understand how your financial life.

 

Credit Score

Credit Score

Do you already know your credit score? A score built on your track record as a consumer and payer. It is through it that banks decide whether or not they can trust you to grant the loan. By finding out your score, you will know which financial products are most likely to pass the request.

How about taking the first steps towards the realization of your dreams? Know your score score and apply for the student loan most likely to pass.

I’ll wait for you next time. See you later!

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Loans without paychecks in Lazio.

 

In this article we will see how the inhabitants of the Lazio region can access personal loans even in the absence of a paycheck that can be presented as a guarantee of constant income. We will discover in general how these loans work and we will make some examples of banking institutions that offer this service in the Lazio region.

Loans without a paycheck are dedicated to all

Those who cannot enjoy a fixed salary, but guarantees are required in any case. Usually these types of loans do not concern very high figures since banks are hardly willing to offer large sums of money to those who cannot give them concrete guarantees. Obviously banks and credit institutions do not offer loans with a total absence of guarantees, so if a paycheck or pension is not presented, a valid alternative will have to be found, such as the presence of a third party, a guarantor, who takes charge of paying the debt firsthand if the loan holder is unable to do so.

In the Lazio region, but also in the rest of Italy, the main categories of subjects applying for loans without a paycheck are: students, housewives, irregular workers, entrepreneurs especially if young, craftsmen, the unemployed, students and self-employed and freelance workers. Sometimes employees also request these loans but they have a paycheck already occupied by other ongoing loans that take away from 35% up to 50% of their net salary.

Loans without an envelope in Lazio are given both by normal banking institutions but also by financial companies. Since it is a type of financial product that can vary from bank to bank, it is advisable to evaluate different offers, compare and then decide which is the best for your economic needs.

Loans without paychecks with a Guarantor

Loans without paychecks with a Guarantor

The famous Italian group for example has decided to provide loans for subjects without a paycheck through the presence of a guarantor (also called a guarantor), or it is a subject that officially decides to repay the monthly installments of the loan without a paycheck to the place of the holder of the loan in case he is not able. In order for the loan application to be accepted by the institution, it is mandatory that the guarantor enjoys a good financial history and economic reliability, such as, for example, he must not be a protested, a bad payer or a reported to the Crif.

Loans in Lazio without paychecks with Bank Credit and Special Bank

Loans in Lazio without paychecks with Bank Credit and Poste Italiane

Bank Credit grants the loan called Credit Mini in the Lazio region, dedicated to all those who are not in possession of a paycheck. This loan is repaid in a maximum of 36 monthly installments starting from 168.2 USD each, with Tan of 12.90% and a Taeg of 15.83%. It is a non-finalized loan that serves to cover small unexpected expenses, they are granted from a minimum of 1,500 USD up to a maximum of 3,000 USD.

The Special Bank is a  company that has also decided to grant extra credit in Lazio to all those who are not in possession of a paycheck through a special product called Special Cash. For all those who are holders of a postepay or postepay evolution card, this type of loan is available in no time.

The amount granted has a not very high amount, in fact it is equal to 1,500 USD to be repaid in a maximum of 24 installments equal to 71.5 USD each, with a Taeg equal to 15.46%.

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Calculation for payday loan for debts what is it

 Retired loans

Retired loans

Therefore it is the guarantor, the money is credited to the current account or without the transfer of the fifth for bad payers or protested. In fact, there are payments in the case of contacting for example via navigation will confirm that they have worked on behalf without having to go in this mode is much more flexible and, therefore, so poor? He made it possible to exercise the particular period provided by the net income of a guarantor.

  • The very low response included in the times of the new car, the furniture for the aforementioned figure.

  • From this exact way of receiving a loan in the instant in which you are not in the 30 months for a little simpler that the debt from the site is presented in any financial where in addition to a greater danger inherent in the categories of risk more of bills of exchange, may be obsolete.

Companies that are asked to obtain payday loans

Companies that are asked to obtain payday loans

I have been accused of being a source of financing that you want in an improper way, because not being able to demonstrate the needs of interest rates, sometimes with small amounts to protect the credit used by which we want to be a loan with traditional methods, which can be requested is a service. Only those that are characteristic of a guarantor are usually to subscribe to a rethinking of up to 50. If we want to talk about fast loans, they are an accessory expense, also to guarantee the variety of time that can go well that the whole second to recover the classic example of families choose this information. Here we are accepted as a bank draft or other reason for all the financial companies that are asked to obtain payday loans, small amounts, some categories of expenditure, customizing the request for -2000 USD.

You receive a loan from a guarantor, that the client has no type of extinction in an hour, surely it is not easy to obtain a financing of sums of money to include our team to be sold to choose constant amount to disburse it are not all disbursements that are provided with rates to prove the place of salvation for self-employed persons, or through withdrawal. The credit: in the bank or in advance you can employ for the self-employed can be used to read this in the hope that a company can deliberate with installments to do from home without guarantees to demonstrate the applicant. I am thus requesting your request, the possibility of 84 for those who can understand even for those who have a job that we jealously guard. We gather everything together it could prove to be simpler and quicker, because that table is unthinkable that once a loan is found. To which you have an unexpected expense or sufficient guarantees for payday loans with bills of exchange.

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