Healthdegreesu Texas Online Vehicle Direct Lenders No Third Party Bad Credit Tue, 14 May 2019 10:23:25 +0000 en-US hourly 1 Loan for 60 Year Olds Thu, 28 Mar 2019 13:55:18 +0000 Read More »]]>

Borrowing at the age of 60 is basically possible, especially as in Germany and other EU countries licensed financial institutions would violate the prohibition of age discrimination in the case of a general exclusion of senior citizens as credit customers.

By way of derogation from this provision, some non-EU-linked Swiss credit institutions may lend their loans without private credit only up to a maximum age of 55 or 58 years. These age limits apply absolutely only to directly applied loan applications and not to the appointment of credit intermediaries.

Borrowing by 60-year-olds at banks

Borrowing by 60-year-olds at banks

Many older citizens are not familiar with the Internet, so a loan for 60-year-old applicants is received more often than through a branch bank. The fidelity of senior citizens to their house bank also contributes to this. Applying for a loan through the principal bank makes sense for low-income applicants, as bank employees take into account the good experience from their previous business relationship in their lending decisions.

If seniors earn an average or even good income, for cost reasons, an online bank offers itself as a contract partner for the credit for 60-year-old claimants. Thanks to the cost-effective distribution channel via the Internet, interest rates for direct banks are almost always cheaper than for branch banks. In terms of maturity, it is ideal if the loan for 60-year-olds will be repaid when the pension begins, so that repayment terms of five to seven years are ideal.

For severely disabled borrowers aged 60 or over, the recommendable term is reduced to three to five years, as they may retire earlier without any deductions. If the loan taken out at the age of 60 can not be redeemed before the beginning of the pension, both the financial institutions and the borrower make sure that the household income of pensioners decreases.

60-year-old borrowing through private lenders

60-year-old borrowing through private lenders

As an alternative to the bank loan, there is a loan for 60-year-old borrowers through a platform for arranging private loans. The prerequisite for the use of the corresponding offers is, of course, that the elderly citizens seeking a loan use the Internet. The corresponding platforms bring together loan seekers with private lenders, where for legal reasons a licensed full bank formally carries out the settlement.

When deciding on the granting of credit, the portrayal of the personal life situation and the purpose of the loan application submitted are the main contributing factors on the respective platforms. The anonymity of the 60-year-old borrower is maintained by not transmitting the mutual contact details and settling all payments through the platform’s accounts. Depending on the amount of the desired sum, the loan requested by the platform for 60-year-old members will be co-signed by one or more private lenders.


Mortgage for first home construction: how it works and facilities Wed, 27 Mar 2019 21:08:51 +0000 Read More »]]>

The mortgage for the construction of the first home can be used to complete the construction work on a property owned. Unlike traditional mortgages, which are loans for the acquisition of a house that has already been built, the completion loan (this is the name by which this loan is defined by the banks) intervenes at an earlier stage, when the construction of the house does not has still started or has not yet been completed. However, this financing maintains a common trait with the other mortgages: even in this case, the banks will push themselves to finance up to 80% of the value of the property, without going any further. The reference value will be that of the house at the end of the work.

To obtain this loan, you must prove ownership of the building


Under construction and obviously present adequate guarantees on your ability to repay the installments. There are also various forms in which the bank can provide the loan: if the amount is less than 50% of the value of the property, it is possible that the credit institution lends the due in a single payment at the beginning of the work. However, the most widespread method is the home construction loan for the progress of the works .

This financing formula provides for the amount to be delivered to the applicant in periodic tranches , which follow the progress of the construction work. Each tranche is disbursed only when an expert sent by the bank certifies that the works have reached a state of progress such as to justify the payment of new liquidity. The role of the expert is very important and his services are a significant cost item for this type of loan: for this reason, when the loan installment simulation is carried out, the costs of expertise must be carefully considered.

The loan to build the first home

The loan to build the first home

Then enjoys the tax benefits that the Italian legislation recognizes to those who are acquiring the first home. In particular, in calculating the first home loan you must always bear in mind the 19% deductions on interest expense for expenses up to 4,000 euros: this means that the maximum deductible will be equal to 760 euros. Even in the case of mortgages for the construction of the first home, it is always possible to make a quick comparison between the various online mortgage solutions, using the web platforms dedicated to comparing offers.

Mortgage pre-amortization: what is it? Interest calculation Wed, 13 Mar 2019 21:23:57 +0000 Read More »]]>

A pre-amortization on a mortgage means a period of time in which the borrower undertakes to pay only the interest on the loaned capital . Typically, a loan, like almost all loans, provides for the loan of a capital to those who request it in exchange for the return of a larger amount to the bank: this increase corresponds to the interest to be paid on the capital, expressed by a percentage of the total amount. The methods of calculating the interest on the pre-amortization and the characteristics of their payment have a significant impact on the progress of a loan.

The expiration dates of the installments and the methods

loan  installments

Their repayment are summarized in the amortization plan, which is proposed by the bank when the loan is disbursed. The pre-amortization is a limited period of time within which the borrower is required to repay only the interest and not the loaned capital. In particular, there is talk of financial pre – amortization when a period is granted to the customer, which can also be up to 5 years under certain conditions, in which he will pay only the pre-amortization interest.

But we must pay attention and not confuse this advantage with a calculation technique of the amortization plan that concentrates the payment of interest in the first installments of the loan: the depreciation in French, this is the name of the technique in question, however, provides that in the first installments there is a share of capital. On the contrary, obtaining a pre-amortization, the share of capital will be repaid only starting from the end of this initial period.

The most typical case of pre-amortization of a real estate loan concerns mortgages due to construction or work progress

real estate loan,money

These are loans usually granted to construction companies engaged in the construction of a new building or in major renovation works. The particularity of this mortgage is that the capital is not lent in a single solution, but in several tranches, after specific appraisals have certified a correct progress of the work . Precisely in construction loans, banks often recognize a loan pre-amortization period, so as not to excessively burden the first phase of the company’s work. 

The mortgage appraisal – how the real estate appraisal works Sun, 17 Feb 2019 22:06:09 +0000 Read More »]]>

The mortgage appraisal is one of the operations necessary to complete the disbursement by the bank of a loan for the purchase of a property, a home mortgage. The bank or financial institution that grants the loan to the applicant must in fact protect itself against the value and conditions of the home that will be purchased, so as not to lose out in the event of problems or any irregularities. For this reason he relies on an expert who must evaluate some technical characteristics of the building, before granting the loan.

The real estate appraisal consists of four moments, which control different aspects of the building

real estate

The first concerns the identification of the object of the loan: the appraisal requires the collection of cadastral documents and that these are compared with the data provided by the loan applicant, in order to verify that no erroneous information has been presented. The second phase is instead the calculation of the value. This procedure requires first of all the calculation of the commercial value of the property, the one to which it can be sold in the future. Furthermore, the guarantee value is also calculated, which is usually around 90% of the cost of the house. This is a useful measure for the bank in the event of the insolvency of the borrower: in that case, the expropriation could be used and the bank must have established a value to be attributed to the property.

The third phase establishes the marketability of the home

home loan

It is a different value from what we previously defined as “commercial value”. In fact, a house can often have a considerable commercial value, but at the same time be difficult to sell (perhaps because it is far from important infrastructures). Finally, the mortgage appraisal verifies the building’s regularity in the building : the expert checks that the house complies with the building regulations and, above all, that there are no cases of building abuse.

The appraisal has a cost for those who request this loan, but it falls into the category of accessory charges , which are deductible in the tax return. In particular, the deduction is triggered in the event of a loan for the first home. These deductible charges include the commission for the brokerage activities in the sale, the mortgage registration tax, the notary and investigation fees, and finally also the expenses for the mortgage appraisal. However, the deduction of ancillary charges is valid only for the first year of the loan.

Apply for a payday loans Mon, 19 Nov 2018 15:02:12 +0000 Read More »]]> Descubierto bancario The banking discovery is how we formally know to be “in the red”. This more colloquial expression was adapted because the banks showed in red the balance in case it was negative. Bank overdraft means that the balance of a checking or savings account is below 0. As a consequence, the account holder owes the financial institution the negative balance reflected.

As a rule, current and savings accounts are creditors, that is, banks or savings banks have a payment obligation with respect to the client. Sometimes it can happen that we get a receipt higher than the amount we have in the account. If the bank does not return the receipt, our account will be in the red. One of the consequences of banking discovery is commissions and interest. If we stay in the red, banks can charge us commissions and very high-interest rates. That is why the mistake can be really expensive. It usually takes about 4 days since the discovery occurs until you are penalized. In addition, the bank may also choose to include our name in a list of defaulters.

How to avoid a bank discovery?

Banks that handle bank overdrafts

The first thing, when we open a new account, is to consider the possibility of finding ourselves in the red. If one is aware of what can happen, will seek to agree with the bank a feasible solution. There are many banks that in their current account and savings contracts regulate the possibility of granting overdrafts. So the first advice is to open the account in a bank that serves discovered.

Have more than one account in the same bank

Another aspect that helps is to have more than one account in the same bank. This is because if one of them is in the red, the same bank can collect the debt with the balance of the other account without charge. Of course, we must ensure that the bank offers that option since they are not required to do so.

Stay up to date with our movements

Keeping track of the balance of our current account will allow us to prevent a possible bank discovery. It is important to check our account at the end of the month, to see if there is or not the possibility of staying in the red. It is also important to know what are the periodic automatic expenses of each month. If we know them and we have them in mind we can avoid that they can surprise us. You can do all this with your bank’s app, which offers more services every day. They are applications linked to your account and allow you to control all your expenses from your mobile phone. We can also ask the bank to notify us before collecting a receipt that would leave us in the red. With this, they offer us some time to be able to solve the situation.

Advance Payroll

Another option that we have is to request an advance of our payroll. It is normal to request it from our company, but it is not the only option. Currently, there are a few banks that also offer a payroll advance. With this, you have the money days before the company pays you.

Apply for a quick credit

If You Need To Pay Back Over Longer Terms? In order to avoid a bank overdraft, another alternative we have is fast online payday loans. If we know that if we do not do anything, we will finish the month with red numbers, it is best to request a quick credit. One of these quick loans can avoid high-interest rates for non-payment. It consists in requesting a credit so that the account does not remain in negative. With this, after 30 days (or less, depending on the needs of the applicant), you will return the money from the credit, once you have cashed, paying lower commissions than those involved in a bank overdraft.

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