Law | News Loan Insurance

Tax on new insurance loan contracts:

Tax on new insurance loan contracts:

Questioning the interest of the Rokins and Mahon laws?

The interest of devices Rokins and Mahon is it questioned? A loan insurance tax, a special tax on borrower insurance agreements, must soon apply to all the premiums paid by policyholders in the case of mortgages, and no longer to a small part of them. Action Logement thus provides

Law Seapos II new measure that could save you thousands of euros

Law Seapos II new measure that could save you thousands of euros

Realizing a loan insurance change after taking out a home loan can save you up to more than 10,000 euros, depending on your profile. A measure of the law “Seapos II”, adopted Tuesday, November 8, now offers you the opportunity to play the competition to replace your insurance borrower, even

Banker and insurer: how do you know who you have to do to negotiate your loan and your insurance borrower?

Banker and insurer: how do you know who you have to do to negotiate your loan and your insurance borrower?

You plan to meet your banker and perhaps an insurer to buy a mortgage and then guarantee it with a borrower insurance. So, here are some indications that may be useful to you in order to decipher the behavior of the person who is in front of you and manage to arrange with you well. So,

Solution to make money on your loan insurance

Solution to make money on your loan insurance

Depending on the type of loan insurance contract you buy, there are several ways to lower your insurance costs and can save you money. The formula allowing you the biggest savings by carrying out a operation of repurchase of credit, or a repayment by anticipation, is the contribution on

Health Law 2015: good progress but also failures

Health Law 2015: good progress but also failures

On December 17, 2015, the Health Bill was adopted by the National Assembly. Called “Bill to modernize our health system”, this text presents a certain complexity as well as a real ambition. It aims to organize and improve the health system for the decade to

There is no dependence between credit and the pledge of a life insurance

There is no dependence between credit and the pledge of a life insurance

Credit and life insurance A borrower decided to open a bank account in an institution while signing a current account system pact attached to a budget instrument account. He subsequently adopted a life insurance policy with an organization and made a first payment from this account. The banking establishment

Top 7 reforms of 1 October 2015

Further reforms came into effect on 1 October 2015. An overview of the main provisions: TOP 7 reforms of 1 October. Standardized information sheet (ISP) loan insurance Prior information of borrowers Information on bank charges Compulsory insurance of real estate professionals Financial guarantee of travel agencies Thresholds of the

Borrower wins court of appeal

A borrower who complained about his bank’s refusal of his request for termination of loan insurance was successful in the court of appeal. This complainant decided to appeal after losing in the trial court. Application for termination of loan insurance to

How is the Mahon Loan Insurance Law challenged?

Some banks, says the AEC (Association Borrower Insurance Citizen), do not allow real estate borrowers to change their loan insurance. The AEC denounces some banks not to apply the law Mahon entered into force on July 26, 2014 and defend their meadow. Yet this law entitles every real estate borrower to change his

Loan Insurance: Your Rights

Loan Insurance: Your Rights

The insurance of a mortgage is not a legal obligation, but the banks however require it in a systematic way for a mortgage, especially regarding the cover of risks related to death and disability. The borrower can freely choose the insurance company that will cover it and is therefore not obliged to take out the contract

Where should the borrower insurance be declared?

You have an apartment in Scheleer law managed by a management company and you must declare your credit along with interest as well as loan insurance and management by the company. You may be wondering if you need to complete the document 2044 Specific to Management and you are also asking the question

Credit conso: the rights and duties of the consumer

Credit conso: the rights and duties of the consumer

When he subscribes to a credit, the borrower’s first obligation is to repay his loan. It is therefore important that he is well informed and advised before signing the credit agreement. And the lender must ensure the solvency of the latter. The borrower must provide all the requested items If the institution

Safety: new measures

Interior Minister Bernard Cazeneuve recently unveiled new road safety measures. These should apply before the summer. New provisions: the ban on hands-free kits, parking causing discomfort more penalized, lower blood alcohol levels for young drivers … Hands-free kits and parking On April 4, 2015, Bernard Cazeneuve

Lower taxes for the non-resident owner?

Lower taxes for the non-resident owner?

Recently, the Court of Justice of the European Union (CJEU) issued a decision on the payment of taxes. She ruled that all owners of real estate in France did not have to pay all the taxes claimed by the state. It is more specifically a question of the CSG (Generalized Social Contribution) and the

 

Law | News Loan Insurance

Tax on new insurance loan contracts:

Tax on new insurance loan contracts:

Questioning the interest of the Rokins and Mahon laws?

The interest of devices Rokins and Mahon is it questioned? A loan insurance tax, a special tax on borrower insurance agreements, must soon apply to all the premiums paid by policyholders in the case of mortgages, and no longer to a small part of them. Action Logement thus provides

Law Seapos II new measure that could save you thousands of euros

Law Seapos II new measure that could save you thousands of euros

Realizing a loan insurance change after taking out a home loan can save you up to more than 10,000 euros, depending on your profile. A measure of the law “Seapos II”, adopted Tuesday, November 8, now offers you the opportunity to play the competition to replace your insurance borrower, even

Banker and insurer: how do you know who you have to do to negotiate your loan and your insurance borrower?

Banker and insurer: how do you know who you have to do to negotiate your loan and your insurance borrower?

You plan to meet your banker and perhaps an insurer to buy a mortgage and then guarantee it with a borrower insurance. So, here are some indications that may be useful to you in order to decipher the behavior of the person who is in front of you and manage to arrange with you well. So,

Solution to make money on your loan insurance

Solution to make money on your loan insurance

Depending on the type of loan insurance contract you buy, there are several ways to lower your insurance costs and can save you money. The formula allowing you the biggest savings by carrying out a operation of repurchase of credit, or a repayment by anticipation, is the contribution on

Health Law 2015: good progress but also failures

Health Law 2015: good progress but also failures

On December 17, 2015, the Health Bill was adopted by the National Assembly. Called “Bill to modernize our health system”, this text presents a certain complexity as well as a real ambition. It aims to organize and improve the health system for the decade to

There is no dependence between credit and the pledge of a life insurance

There is no dependence between credit and the pledge of a life insurance

Credit and life insurance A borrower decided to open a bank account in an institution while signing a current account system pact attached to a budget instrument account. He subsequently adopted a life insurance policy with an organization and made a first payment from this account. The banking establishment

Top 7 reforms of 1 October 2015

Further reforms came into effect on 1 October 2015. An overview of the main provisions: TOP 7 reforms of 1 October. Standardized information sheet (ISP) loan insurance Prior information of borrowers Information on bank charges Compulsory insurance of real estate professionals Financial guarantee of travel agencies Thresholds of the

Borrower wins court of appeal

A borrower who complained about his bank’s refusal of his request for termination of loan insurance was successful in the court of appeal. This complainant decided to appeal after losing in the trial court. Application for termination of loan insurance to

How is the Mahon Loan Insurance Law challenged?

Some banks, says the AEC (Association Borrower Insurance Citizen), do not allow real estate borrowers to change their loan insurance. The AEC denounces some banks not to apply the law Mahon entered into force on July 26, 2014 and defend their meadow. Yet this law entitles every real estate borrower to change his

Loan Insurance: Your Rights

Loan Insurance: Your Rights

The insurance of a mortgage is not a legal obligation, but the banks however require it in a systematic way for a mortgage, especially regarding the cover of risks related to death and disability. The borrower can freely choose the insurance company that will cover it and is therefore not obliged to take out the contract

Where should the borrower insurance be declared?

You have an apartment in Scheleer law managed by a management company and you must declare your credit along with interest as well as loan insurance and management by the company. You may be wondering if you need to complete the document 2044 Specific to Management and you are also asking the question

Credit conso: the rights and duties of the consumer

Credit conso: the rights and duties of the consumer

When he subscribes to a credit, the borrower’s first obligation is to repay his loan. It is therefore important that he is well informed and advised before signing the credit agreement. And the lender must ensure the solvency of the latter. The borrower must provide all the requested items If the institution

Safety: new measures

Interior Minister Bernard Cazeneuve recently unveiled new road safety measures. These should apply before the summer. New provisions: the ban on hands-free kits, parking causing discomfort more penalized, lower blood alcohol levels for young drivers … Hands-free kits and parking On April 4, 2015, Bernard Cazeneuve

Lower taxes for the non-resident owner?

Lower taxes for the non-resident owner?

Recently, the Court of Justice of the European Union (CJEU) issued a decision on the payment of taxes. She ruled that all owners of real estate in France did not have to pay all the taxes claimed by the state. It is more specifically a question of the CSG (Generalized Social Contribution) and the

 

Mini Credit – Apply now!

A mini loan or mini credit without bkr is a small loan of less than a thousand euros that you pay back within a month. Apply directly for a mini credit ? The mini credit does have high costs, so pay attention. There are a number of mini-credit providers in the Netherlands. There you can immediately borrow a small amount from a few hundred euros to a maximum of 400 euros without BKR verification. A mini credit of 1000 euros or 1500 euros is only possible in certain cases.

  • Tip: nowadays you can also get a loan of 1500 euros through the Spanish bank bankater, without extra high costs. If you opt for a revolving credit with bankater of 1500 euros, you do not have to take everything out of your loan immediately.
  • You can request a mini-loan directly from Zaloan or Sandcash, but there are high costs involved.
  • These costs are not immediately visible from the websites of the mini-loan providers.
  • The risk of a mini loan is therefore high. The mini loan is therefore often discouraged.
  • People with debts, a low income or a negative BKR registration in particular have to think carefully about whether they want a mini loan.
  • There are also alternatives to the mini-loan that are cheaper.

Mini credit without credit

Mini credit without credit

The mini-credit in the Netherlands is without BKR assessment. This means that no testing is done at the BKR. This must be officially, so that the providers know whether you currently have no other debts. But they don’t, because they are looking for people like you who can’t go anywhere else. Their business model is focused on this.

The conditions differ with the mini-credit providers, but the costs are generally the same: in addition to the interest costs, there are often additional costs of around 20% of the amount that you borrow. This also applies if you are going to apply for a mini credit without BKR assessment or a mini credit without documents.

If it is the first time that you are going to borrow money from these credit providers, then the maximum amount is usually no more than 400 euros. After that you can borrow up to 1500 euros (the so-called “plus loan”), but the costs are so huge that many people borrow more each month to pay off their debt from the previous month.

Mini credit with bkr

Mini credit with bkr

These providers do not do a credit check at the BKR and, in most cases, deposit the money in your account within a day. If you pay extra, a number of providers such as Viloan even have a mini credit within 10 minutes. These loans are especially popular among people who are looking to borrow money quickly without bkr review.

The costs of the mini loans are relatively high. The costs are between 15 and 35 percent of the amount that you borrow. These are not the interest costs, because the total interest costs are definitely not high. The interest costs are low because the loan amount itself is also low and the interest is subject to a legal maximum.

In terms of interest, you therefore spend no more than a few euros in total in costs. The costs are spent on extra things, such as borrowing money quickly without paperwork, or borrowing money quickly on your account.

Extra costs for mini credit

Extra costs for mini credit

There are also providers who charge extra costs for a mandatory guarantor or for certain compulsory insurance policies. Officially, money loan providers are not allowed to charge such high costs at all. Thus the government says:

Regardless of the duration, all credits are subject to financial supervision. So that also applies to flash credits. The maximum interest rate for flash loans may not exceed the maximum credit compensation.

But most mini credit providers have found a solution for this. The costs are officially optional. You can also choose that you want to borrow money without the extra costs. But the paperwork often becomes very much for consumers. And that is why most people simply opt for the extra costs. And according to the providers of the mini-loans that is completely legal.

Guarantee

Guarantee

You usually pay the extra costs for the guarantee. This applies to a large number of providers of the mini-loans. They make this mandatory. If you take out a mini-loan with these providers, then you must make a guarantee arrangement.

The cost of this guarantee scheme is around 25 to 35 percent of the amount of money borrowed. The mini-loan providers also make it possible for you to arrange a guarantor yourself. In that case you do not have to pay any extra costs. An example of this provider is Zaloan.

Insurances

Insurances

Other providers of mini loans make other services mandatory for taking out a mini loan. Such as insurance. The costs of these insurance policies are therefore often just as high as 25 to 35% of the total amount that you borrow.

Some providers then deduct those costs from the borrowed money. You will therefore receive less money in your account. An example of this provider was Minicash, which has since stopped offering mini loans.

Borrow money quickly

Borrow money quickly

Still other providers ask extra money if you do not want to fill in extra paperwork or if you want to have extra money in your account extra quickly. In this case, for example, applying for a mini-loan only costs interest. But if you want to have your application processed within 10 minutes or within 4 hours, instead of the standard 3 days, you pay extra money for this.

In addition, there is also the option to do less form work if you pay extra for this. An example of this provider is Viloan.

Risks

Risks

A mini loan is not without risk. It is therefore very important that you know what you are starting. Are you aware of the costs, and are you also sure that you can repay the entire loan plus the costs?

Borrow small amount

Quickly borrow a small amount because you need money quickly? Know the possibilities and make a smart choice to be able to borrow a small amount immediately. Most people will opt for a quick mini loan. You can easily close this online without paperwork and with little hassle, but are quite expensive. Fortunately there are other cheaper options.

You can also borrow money directly from your bank account by requesting a ‘red check’ from your bank or by withdrawing money from your credit card immediately. For more information, see the info page: Direct Money Into Your Account.

The alternatives for a mini loan are countless. For example, had you already thought about getting a red card at the bank? This can usually be done online. You log in at the bank where you have an account and follow the links for red requests. Because the bank usually knows what your income is, you will have approved this within a day or so.

Small amount without income

Small amount without income

Or have you already applied for a red card and have reached your limit, or do you have no income for a while? Borrowing money without income is easy to do via pledging items. If you have something of value, you can hand it in for money at a so-called Kumers or Megrabank. If you want to get your things back, return the money with the agreed interest costs. Voila.

Apply for a loan directly

Apply for a loan directly

However, if you have enough income, you can also choose to apply for a revolving credit. With a revolving credit you choose a loan with a certain maximum loan amount, for example 2500 or 5000 euros. But you don’t have to withdraw all this money, you can also withdraw a small amount. Once the loan has been approved, and this can be done within a few days, you simply withdraw a small amount, such as 50 euros or 500 euros. 

The drawback of a revolving credit is that you are more likely to borrow money quickly. As a result, you easily fall into the temptation of living on the puff, living above your means. Spend more than you come in. This actually applies to many people. Perhaps it is then a wise idea to do something about your budget, to learn how to handle money properly.

Private Borrow money

Private Borrow money

You can also borrow money via the new CashLends platform. This is possible from an amount of 500 with a duration of six months. You can request your request directly. CashLends is a new platform for private money lending that brings together lenders and people who borrow money. You simply pay interest and a percentage of extra costs. These total costs may never exceed 14%.

Apply directly for credit card

Apply directly for credit card

Another possibility to quickly borrow a small amount is to request a credit card. With a credit card you can also transfer money to your bank account. You simply pay interest on it and you usually have to repay the amount after a month or two.

A credit card is very useful if you do not want a large loan right away and still want to have access to extra money. To get a credit card, you do need income and the BKR will also check your current arrears.

Costs mini loans

Mini loans are one of the most expensive forms of loan that we have in the Netherlands. The costs of these direct money loans are usually between 20 and 35 percent of the total amount of money borrowed. In a number of cases the costs of the borrowed money are immediately deducted from what you get in your account, in most cases the amount is on top of the borrowed money.

Mini loans are popular because consumers can close them without much hassle. You usually do not have to send any paperwork, and you can usually have the borrowed money in your account within a day. Often there is no BKR credit check either. In addition, the providers of the mini loans use slick marketing. But that a mini loan can cost a lot of money is beyond doubt.

Research Mini Loans

Research Mini Loans

 

Mini loans have been in the news frequently in recent years due to usurious practices. New legislation would put an end to this. But also in 2013, the providers of mini-loans know according to research (pdf) from Moneyview “to mislead the consumer and to circumvent the legislation”. Sometimes it happens that a court matter pronounce but in many cases it is really up to the consumer to pay attention.

The research into mini loans, for example, concludes that providers attach many extra costs to these direct loans. For example, one of the providers, Debet Services, charges advisory fees. “For a loan of € 200 with a term of 21 days, € 38 will be charged in consultancy costs.”

Costs Guarantee

Costs Guarantee

 

Other providers charge extra costs due to the obligation of a guarantor. Although there is also the possibility that you choose a personal guarantor, it is usually obvious that you choose the guarantor who offers the provider of the direct money loan.

The cost of this guarantee is often between 20 and 35 percent of the money borrowed. For a loan of 400 euros you quickly pay 100 euros extra. You must then repay that amount of 500 euros within 30 days.

Advantages of mini loans

Advantages of mini loans

 

On the other hand, there is also something to be said for mini-loans and the higher costs. This concerns direct money loans for a short period. It is not possible for providers to make a little profit with interest alone, especially not with the maximum interest rate of 14 percent on an annual basis. The profit for a provider of a loan of 400 euros for 30 days is then only a few euros, and of course they never get the costs out of it.

This while there is a demand for mini loans, loans for only a short period. People who have insufficient income for a revolving credit, for example, sometimes need this. For them it would be good if there might be another way to borrow money or get help with debt in an easy way.

Nevertheless, these are often the people who have little money anyway or who are already burdened with a substantial debt. As a columnist from Nrc Next concludes : “If people get into trouble because of flash credits, they are already in trouble.”

Smart providers

Smart providers

 

The providers of mini-loans make smart use of the opportunities they see in this and deliberately aim for this niche in the market for direct money loans. In addition, they also know very well how to train certain matters.

The AFM indicates that various investigations have been started and that measures are being prepared. But because some providers object or appeal against possible steps by the AFM, the investigations unfortunately sometimes take longer than desired ( source ).

It is therefore not the ordinary banks that move in this field, but companies that deal solely with this niche. Special rules of conduct for mini loans would therefore be good.

Because now the costs are very high, despite the new regulations. For example, see the table above for a cost comparison if you pass on these costs as if it were a loan on an annual basis.

  • You can request a mini-loan directly from Ferratum.nl or Saldodipje.nl, but there are high costs involved.
  • These costs are not immediately visible from the websites of the mini-loan providers.
  • The risk of a mini loan is therefore high. The mini loan is therefore often discouraged.
  • People with debts, a low income or a negative BKR registration in particular have to think carefully about whether they want a mini loan.
  • There are also alternatives to the mini-loan that are cheaper.

Cheap Loan Insurance: Assure a Real Estate Loan After Hematocromatosis

Hematochromatosis insurance

Hematochromatosis insurance

The hématochromatose

Hematochromatosis is a chronic disease linked to an accumulation of iron in the organs. It can worsen and cause cirrhosis, liver cancer, diabetes mellitus, severe heart failure …

Do you want to take out a loan and suffer from hematochromatosis?

Hematochromatosis is a chronic disease that can penalize you to borrow. In fact, insurers classify many diseases as “aggravated health risks”, which is a barrier to obtaining loan insurance. And without the subscription of a loan insurance, the banks do not lend.

Real estate loan insurance with hematochromatosis

Real estate loan insurance with hematochromatosis

When you apply for a home loan with a banker, he asks you to take out loan insurance to give you the loan. This insurance protects you against the risks of death, disability and incapacity for work, and allows the repayment of the loan by the insurer.

Banks have their own loan insurance: the group contract. This type of contract has not been developed to cover the risk of hematochromatosis or other aggravated health risk because it is a standard protection formula that spreads the risks between policyholders at an average level. It is therefore very likely that your banker refuses to grant you this insurance or that he accepts but without taking charge of your risk hematochromatosis.

You are entitled to purchase the insurance of your choice so take advantage of it to find the hematochromatosis risk loan insurance you need to borrow.

Make an insurance delegation with the loan-insurance broker-not-expensive!

If you do not take the time to look for health risk loan insurance with hematochromatosis that suits you you risk:

  • a refusal insurance hematochromatose
  • the payment of an excess premium insurance too expensive
  • to be insured without taking care of your risk hematochromatosis

It is therefore in your interest to play the competition between insurers to find the contract of insurance delegation the cheapest market that will protect you against health risk hematochromatosis and allow you to borrow in the best conditions. By delegating your loan insurance with Loan-Loan-Insurance:

  • you play the competition between the largest insurance companies and insurers specializing in aggravated health risks.
  • you benefit from the best proposals for hematochromatose loan insurance at negotiated rates
  • you are well informed and advised in your choice

Quote Insurance loan risk aggravated health hematochromatosis

Quote Insurance loan risk aggravated health hematochromatosis

Use free and non-binding comparator loan insurance online Loan Insurance-cheap and get acquainted with the best offers health insurance hematochromatose risk health insurance market. You can then apply for a simultaneous loan insurance quote from the insurers of your choice.

Comparator Insurance Loan Hematochromatosis

  • Insurance rate hematochromatose
  • Quote insurance hematochromatose
  • Personalized study insurance hematochromatose loan
  • Medical questionnaire health risk hematochromatosis
  • Free reminder of a dedicated advisor

In the event of a refusal of insurance and a loan, the agreement is triggered and allows people with an aggravated health risk to have their loan application file reviewed. by medical specialists to find a solution to ensure them and they can access the loan.

Entrust your hematochromatosis insurance pre-insurance research to Loan-Not-Expensive Insurance!

The cogilaw compan y of September 2010 allows borrowers to take out their insurance outside their bank. By delegating your loan insurance with the Loan Insurance-Loan Insurance broker, you benefit from the hematochromatosis risk insurance contract at the lowest market rate and are certain that your bank will accept it.

Cheap Loan Insurance: Assure a Real Estate Loan After Hematocromatosis

Hematochromatosis insurance

Hematochromatosis insurance

The hématochromatose

Hematochromatosis is a chronic disease linked to an accumulation of iron in the organs. It can worsen and cause cirrhosis, liver cancer, diabetes mellitus, severe heart failure …

Do you want to take out a loan and suffer from hematochromatosis?

Hematochromatosis is a chronic disease that can penalize you to borrow. In fact, insurers classify many diseases as “aggravated health risks”, which is a barrier to obtaining loan insurance. And without the subscription of a loan insurance, the banks do not lend.

Real estate loan insurance with hematochromatosis

Real estate loan insurance with hematochromatosis

When you apply for a home loan with a banker, he asks you to take out loan insurance to give you the loan. This insurance protects you against the risks of death, disability and incapacity for work, and allows the repayment of the loan by the insurer.

Banks have their own loan insurance: the group contract. This type of contract has not been developed to cover the risk of hematochromatosis or other aggravated health risk because it is a standard protection formula that spreads the risks between policyholders at an average level. It is therefore very likely that your banker refuses to grant you this insurance or that he accepts but without taking charge of your risk hematochromatosis.

You are entitled to purchase the insurance of your choice so take advantage of it to find the hematochromatosis risk loan insurance you need to borrow.

Make an insurance delegation with the loan-insurance broker-not-expensive!

If you do not take the time to look for health risk loan insurance with hematochromatosis that suits you you risk:

  • a refusal insurance hematochromatose
  • the payment of an excess premium insurance too expensive
  • to be insured without taking care of your risk hematochromatosis

It is therefore in your interest to play the competition between insurers to find the contract of insurance delegation the cheapest market that will protect you against health risk hematochromatosis and allow you to borrow in the best conditions. By delegating your loan insurance with Loan-Loan-Insurance:

  • you play the competition between the largest insurance companies and insurers specializing in aggravated health risks.
  • you benefit from the best proposals for hematochromatose loan insurance at negotiated rates
  • you are well informed and advised in your choice

Quote Insurance loan risk aggravated health hematochromatosis

Quote Insurance loan risk aggravated health hematochromatosis

Use free and non-binding comparator loan insurance online Loan Insurance-cheap and get acquainted with the best offers health insurance hematochromatose risk health insurance market. You can then apply for a simultaneous loan insurance quote from the insurers of your choice.

Comparator Insurance Loan Hematochromatosis

  • Insurance rate hematochromatose
  • Quote insurance hematochromatose
  • Personalized study insurance hematochromatose loan
  • Medical questionnaire health risk hematochromatosis
  • Free reminder of a dedicated advisor

In the event of a refusal of insurance and a loan, the agreement is triggered and allows people with an aggravated health risk to have their loan application file reviewed. by medical specialists to find a solution to ensure them and they can access the loan.

Entrust your hematochromatosis insurance pre-insurance research to Loan-Not-Expensive Insurance!

The cogilaw compan y of September 2010 allows borrowers to take out their insurance outside their bank. By delegating your loan insurance with the Loan Insurance-Loan Insurance broker, you benefit from the hematochromatosis risk insurance contract at the lowest market rate and are certain that your bank will accept it.

Loans: by necessity or as a lifestyle?

Since the loan appeared, many people have been able to improve their quality of life and increase their assets, but there are also those who have completely ruined their financial life. In other words, credit is a double-edged sword and it all depends on the use it is given.

Loans allow one to access a certain amount of money with the commitment to repay it within a certain period. If you have a clear objective, but you don’t have the necessary cash, loans are the ideal instrument. However, we can identify two types of people according to the loans they request: Those who do it out of necessity and those who have adopted it as a lifestyle.

Loans as a lifestyle:

Loans as a lifestyle:

If you asked for a loan because you spent more than the account and it is not enough to cover your expenses, it is not ideal, but if it was something at one time, you can ignore it. However, if that has become your modus operandi, it is no longer healthy. Asking for loans to pay off other loans, using the money for a different purpose and continuing to buy things, only makes you enter a carousel or vicious circle, where there is no saving capacity. Focus on canceling your debts and increasing your savings; and the next time you apply for a loan, that is with a defined objective.

Loans by necessity:

Loans by necessity:

Borrowing out of necessity means that there is something we want to buy and that, at the moment, it is not enough for us to pay it in cash, so we turn to the credit and commit ourselves to paying monthly until we cancel it.

This is not bad, as long as you apply for only one loan at a time and have defined objectives for that money, that is, do not ask for more or use the money for something different. In turn, try to improve your savings capacity, so every time, the next time the amount you will need will be less. Finally, verify well the institution to which you will apply for the loan, since not all of them suit you. Compare interest rates before choosing.

Remember, the credit can be very good or very bad, the main thing is to choose well.

Payday Loans and Loans online.

Payday Loans and Loans Virduloa online

The Tech Portal is the page of Virduloa to provide financial services and products over the Internet in a fast and uncomplicated way, in this way Tech generates for Virduloa customers, convenience and security. Many are unaware of the information, but Tech is part of a holding company between Bradesco and Banco do Brasil, two of Brazil’s most credible credit institutions.

Currently, Tech owns and manages a huge customer base, is around 2 million across the country, in the market it acts as a sales promoter specializing in retail service. Tech offers customers special conditions, by telephone, through the Internet and also in its 140 physical credit stores in logs in the Brazilian regions.

In addition to the Tech Visa and Tech MasterCard credit cards that everyone already knows, the promoter also grants “personal loan, INSS payroll deductible credit and miscellaneous insurance.” Check out all the credit products through the Tech Portal :

Virduloa Personal Credit

Virduloa Personal Credit

With the Tech card it is possible to request personal credit at the time you need it, the loan is released to be used as you wish, without checking the use of it. With Virduloa, the customer can get credit on time, in a practical way, fast, easy and without bureaucracy. The Virduloa personal credit rates are the smallest, the term can be requested for up to 15 times, the release comes out the same day, the money is on time.

Comfort is with Virduloa , the customer can withdraw money at any of the Tech stores, at ban 24 Hours ATMs and can still request the transfer of money from the Virduloa card to his current account over the phone. Virduloa is a loan card.

TechCheque personal credit

IbiCheque personal credit

You need personal credit and do not know how to borrow money at Tech if you have a check slip on your behalf, you can use it as a loan guarantee, Tech grants personal check credit with the lowest rates and best market limits. Lend up to R $ 10,000.00 cash in up to 15 times to pay with up to 45 days to take out the 1st installment.

Payroll-deductible loan INSS Virduloa

Payroll-deductible loan INSS Virduloa

You are a retiree or a pensioner of the INSS, in Tech the conditions are special for the release of payroll deducted personal credit , in addition to not consulting the SPC and SEReSA, the installments of the credit are deducted directly from the INSS benefit. The maximum amount for the release is conditioned up to 5 times the amount received as a benefit with up to 60 months to make the return of the credit. In this type of loan the rates start from 0.99% per month with a maximum of 2.14% per month.

Virduloa Loan Simulator

Virduloa Loan Simulator

Make a simulation on the Tech Portal page and know in advance the values ​​of loans and personal credit. Indicate the desired value in the simulator and click on the financial product most suitable for you and you’re done!

TekiOnline

TekiOnline

With TekiOnline, who is a customer has access to all the facilities of the system, through TekiOnline services such as consulting Tech card invoices, credit limit, request to send Tech invoice by e-mail , are facilitated, all that there in your house. You must register in the Tech Portal to access the services.

Payday Loans and Loans online.

Payday Loans and Loans Virduloa online

The Tech Portal is the page of Virduloa to provide financial services and products over the Internet in a fast and uncomplicated way, in this way Tech generates for Virduloa customers, convenience and security. Many are unaware of the information, but Tech is part of a holding company between Bradesco and Banco do Brasil, two of Brazil’s most credible credit institutions.

Currently, Tech owns and manages a huge customer base, is around 2 million across the country, in the market it acts as a sales promoter specializing in retail service. Tech offers customers special conditions, by telephone, through the Internet and also in its 140 physical credit stores in logs in the Brazilian regions.

In addition to the Tech Visa and Tech MasterCard credit cards that everyone already knows, the promoter also grants “personal loan, INSS payroll deductible credit and miscellaneous insurance.” Check out all the credit products through the Tech Portal :

Virduloa Personal Credit

Virduloa Personal Credit

With the Tech card it is possible to request personal credit at the time you need it, the loan is released to be used as you wish, without checking the use of it. With Virduloa, the customer can get credit on time, in a practical way, fast, easy and without bureaucracy. The Virduloa personal credit rates are the smallest, the term can be requested for up to 15 times, the release comes out the same day, the money is on time.

Comfort is with Virduloa , the customer can withdraw money at any of the Tech stores, at ban 24 Hours ATMs and can still request the transfer of money from the Virduloa card to his current account over the phone. Virduloa is a loan card.

TechCheque personal credit

IbiCheque personal credit

You need personal credit and do not know how to borrow money at Tech if you have a check slip on your behalf, you can use it as a loan guarantee, Tech grants personal check credit with the lowest rates and best market limits. Lend up to R $ 10,000.00 cash in up to 15 times to pay with up to 45 days to take out the 1st installment.

Payroll-deductible loan INSS Virduloa

Payroll-deductible loan INSS Virduloa

You are a retiree or a pensioner of the INSS, in Tech the conditions are special for the release of payroll deducted personal credit , in addition to not consulting the SPC and SEReSA, the installments of the credit are deducted directly from the INSS benefit. The maximum amount for the release is conditioned up to 5 times the amount received as a benefit with up to 60 months to make the return of the credit. In this type of loan the rates start from 0.99% per month with a maximum of 2.14% per month.

Virduloa Loan Simulator

Virduloa Loan Simulator

Make a simulation on the Tech Portal page and know in advance the values ​​of loans and personal credit. Indicate the desired value in the simulator and click on the financial product most suitable for you and you’re done!

TekiOnline

TekiOnline

With TekiOnline, who is a customer has access to all the facilities of the system, through TekiOnline services such as consulting Tech card invoices, credit limit, request to send Tech invoice by e-mail , are facilitated, all that there in your house. You must register in the Tech Portal to access the services.