黑龙江十一选五遗漏数据 http://www.noxgyzcp.icu My WordPress Blog Thu, 29 Aug 2019 00:45:58 +0000 en-US hourly 1 https://wordpress.org/?v=5.3 Loan in installments without proof of income http://www.noxgyzcp.icu/2019/08/29/loan-in-installments-without-proof-of-income/ http://www.noxgyzcp.icu/2019/08/29/loan-in-installments-without-proof-of-income/#respond Thu, 29 Aug 2019 00:45:58 +0000 http://www.noxgyzcp.icu/2019/08/29/loan-in-installments-without-proof-of-income/ Small short-term loans have one major disadvantage, which is only 30 days. More and more people are having trouble paying the full amount at the end of the month, plus a fee. These loans can then burden you much more than if you did not take one.

Therefore, it may be better to find a temporary job and try to pay for everything. Of course, this is not always the case, fortunately there is a loan of 10000 in installments, which you can divide into several installments so that the financial burden is not too high.

Loan installments without proof of income?

Loan installments without proof of income?

Last year, the borrowers were not required to provide evidence of how high their income was. Of course, it was only for loans up to 10 000 CZK. Now the laws have changed and hardened. Od 21.12. 2016, non-banking providers must require documents from all applicants to confirm their solvency.

10000 installment loan and its benefits

10000 installment loan and its benefits

It can also be obtained by clients whose income does not exceed CZK 11,000 per month. These are mainly pensioners, students, mothers on maternity leave and citizens on social benefits. You can set the maturity period from 1 to 24 months. An entry in the registers does not have to be an obstacle either.

10000 installment loan and its disadvantages

10000 installment loan and its disadvantages

When we mentioned the advantages we should also mention the disadvantages. The first is that in the end you can overpay a really big amount, so it is good to choose a loan where early repayment is free. Another downside is that you have really big fees in case you fail to repay the loan on time. There is a relatively high risk of debt trap, especially for low-income citizens.

Loan 10000 in installments without a register

Now, all banking and non-banking companies have access to the debtors register because they have to. But this does not mean that your application will be automatically rejected if you have a negative listing here. Of course, banks take a different approach and refuse these “troubled” clients immediately.

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Ease of access to debt counseling http://www.noxgyzcp.icu/2019/08/24/ease-of-access-to-debt-counseling/ http://www.noxgyzcp.icu/2019/08/24/ease-of-access-to-debt-counseling/#respond Sat, 24 Aug 2019 09:24:33 +0000 http://www.noxgyzcp.icu/2019/08/24/ease-of-access-to-debt-counseling/

According to the Good Finance Authority, the queues for financial and debt counseling are six weeks on average, but there is great variation between regions and especially between municipalities. In Good Lender, for example, you can get into debt counseling in three days, while in Honest Bank it takes about six months.

The need for financial and debt advice varies from municipality to municipality

The need for financial and debt advice varies from municipality to municipality

Financial and debt counseling helps individuals and small businesses find solutions to their debt problems. Currently, the debtor must seek help from the debt and financial counseling of his or her municipality, which may cause peaks in certain municipalities.

The reasons for seeking financial and debt advice are manifold. Unexpected changes in your financial situation, such as unemployment, illness or divorce, can lead to payment problems. Also, some of those seeking counseling may not have been prepared for the loss of income due to retirement.

A buffer fund can help you avoid crises in your household, so see which savings account is best for you:

In the future, debtors will not be tied to a particular point of financial and debt counseling

money

Access to financial and debt counseling varies: debt counseling is available weekly.Debt counseling has to wait on average for months.

Currently, the debtor should seek help from his / her municipal debt counseling, but from the beginning of 2018 the debtor can choose his / her own debt counseling point when the debt counseling goes to the Legal Aid or from Good Finance.

Future financing of debt counseling

Future financing of debt counseling

However, there is concern about the future financing of debt counseling. At present, debt financing comes from the state budget and voluntary funding from municipalities. Next year, funding would come exclusively from the state, and it would appear that funding for financial and debt counseling would decline. If you want to know more about debt counseling just reach us and we are willing to help.

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Postponement of mortgage payments http://www.noxgyzcp.icu/2019/08/19/postponement-of-mortgage-payments/ http://www.noxgyzcp.icu/2019/08/19/postponement-of-mortgage-payments/#respond Mon, 19 Aug 2019 10:11:20 +0000 http://www.noxgyzcp.icu/2019/08/19/postponement-of-mortgage-payments/ Mortgage takes almost every young Russian family (8 out of 10) or every third resident of Russia. Just because of the overwhelming majority of Russians this is the only real way to find their own living space. And every fifth mortgage borrower sooner or later asks the question: is it possible to take a deferment on the mortgage? This is explained by the precarious position of the consumer market, the heavy financial burden of the mortgage and the permanent crisis in the country’s economy. Plus, the desire to start a family. A delay in the mortgage at birth is almost inevitable. The decisions to delay the banks are different and different.It all depends on the policy of the financial institution, because at the legislative level there is still no movement in this country in this country.

Reasons to revise mortgage terms

Reasons to revise mortgage terms

Firstly, the loan amount must be at least 500 thousand rubles in order to have at least some chance of a positive verdict. Suppose most mortgage loans overlap this amount. But, and secondly, in fact over the past year it turned out that the debt restructuring procedure under this law works only on paper, and many individual bankrupt individuals are so “bankrupt” that they can not pay the expenses of the judicial-state institutions 10-20 thousand rubles on average). Therefore, the deferment of payment on mortgages at VTB 24, Sberbank and other banks remains a matter of personal agreement. What are the reasons for the temporary suspension of repayment of a mortgage loan? In total, there are three:

  1. Deprivation of a permanent source of income. Almost always it is about losing work. But an important remark – the dismissal should be independent of the will of the borrower. That is, the debtor from any side should not be considered guilty of having lost his job. For example, bankruptcy of an enterprise, compulsory staff cuts, etc. If a person who took a mortgage loan quit on his or her own was thrown out for disciplinary violations, then this fact is not considered a good reason.
  2. Illness of the borrower or his close (wife / husband, mother / father, daughter / son, siblings, grandparents), which may require expensive treatment and causes disability for some time (up to disability). This also includes the death of a loved one.
  3. Postponement of the mortgage at the birth of a child – in Sberbank is a good reason. When children appear in the borrower’s family, the suspension of payments is almost inevitable. Pregnancy, childbirth and the next few years mean that parents will spend a lot of time, effort and finances on a baby, baby or toddlers. Of course, this forms a major shift in the family budget. And it almost always turns out that it is unrealistic to make monthly mortgage payments in full. Sberbank gives a standard two-year deferment of a mortgage upon childbirth.

Options for loosening

Options for looseningReasons to revise mortgage terms

Since there is no legal basis, each case has to be analyzed in a separate, individual order. And it is impossible to describe all situations. There are also other reasons why you have to ask the banking institution for concessions regarding the repayment of the mortgage. For example, a change of residence that goes beyond the village (in another city, another area). This also requires serious financial costs, and for their period it is vital to get relief in credit payments. As well as the reasons, one can single out the main options for such relaxation:

  1. Lower interest rates, ie annual interest on the mortgage will be less. This will lead to a decrease in monthly installments. True, many percent will not throw off. In Sberbank, for example, a typical proposal is to lower the rate by 1.5%. For example, the size of the mortgage is 1 million rubles. One percent of this amount is 10 thousand rubles. Suppose the annual was 15%. This means that over the year the overpayment will be 150 thousand rubles. We divide this number by 12 months, it turns out 12 500 rubles. This is a monthly amount that takes into account only annual interest.And since most often payments in the mortgage are annuity, then such interest will remain (they will be counted from 1 million rubles, even if only one thousand one hundred will remain from the body of the mortgage, for example). But if you reduce the rate by one and half, 13.5% will be released. We count: 135 thousand rubles – interest for the year, divided by 12 months – 11,250 rubles of interest overpayment per month. That is, the monthly payment will decrease by only 1,250 rubles, which is not so much. You can truly feel the difference only if the interest rate is reduced by five. However, such concessions from banks are very rare.
  2. Reducing the body of the mortgage, ie, the cancellation of part of the debt. It will also reduce the size of the monthly payment, because the rate will be calculated from a smaller amount. For example, from 800 thousand rubles one percent is 8 thousand. And 15% multiplied by 8 thousand is equal to 120 thousand rubles of annual overpayment. Divide by 12 months – we get 10 thousand rubles a month at interest instead of the original 12,500 rubles.
  3. Stretching a mortgage in time. For example, instead of the initial 10 years, reissue a housing loan for 15 years. It is clear that with the same amount of mortgage monthly installments will decrease. But there is a clear restriction for all banks – no housing loan can be extended for more than 35 years.
  4. Installment payment. Payment is made every month, but for example, every six months immediately after 6 months. Some borrowers find it more convenient to deposit larger amounts, but much less frequently than with standard contributions once every 30 days. In more detail: what is installment plan.
  5. Some kind of credit vacation. When a certain period the borrower pays interest only. Or, on the contrary, only contributions to the account of leveling the loan body. But in the first case there will be a very large percentage overpayment, while in the second there is a confusion with the calculation of the interest that the client should pay when the loan is repaid. Defer payment by 100% when the monthly payment is zero, will not work. Before the crisis, a full delay in mortgages at Sberbank could have been provided to everyone for at least a month. That is, the client received the opportunity to pay nothing at all for a month without any penalties – not a ruble. But now it is in the past.
  6. A rare but possible option for the mortgage sector is refinancing. The client takes one or more loans under more lenient conditions and extinguishes the mortgage. Some banks support special refinancing programs, and the client can take such a loan in the same bank where he took a mortgage. In other cases, you will have to contact another financial institution.

Stages of revision of the loan agreement

Stages of revision of the loan agreement

The first four points are called restructuring. Restructuring can help AHML (Agency for Housing Mortgage Lending). This implies renegotiating the contract. That is, a new agreement is being drawn up, in which the new terms of the loan, the rights and obligations of the parties are written. However, borrowers should be aware that the period for deferment of mortgage payments at Sberbank, at VTB 24 and in general at any bank (private or public) is limited. Debt relief can not last more than 5 years. An exception is one of the restructuring options, when a loan is stretched over time to reduce the size of regular contributions. How to take a delay or renew the contract on more benign terms? Three steps:

  • collection of documents;
  • submission of a written application for reviewing the contract to the bank office (preferably this in person, and not by e-mail);
  • positive or negative verdict of the bank.

Required documents

Documents are needed different, it depends on the nature of the reasons for financial difficulties:

  1. Passport of a citizen of the Russian Federation (always and everywhere).
  2. Mortgage agreement. Preferably the original, but can get off and copy. This is also a mandatory document in any case.
  3. If the borrower has lost his job, then one of the following documents must be submitted: a letter of resignation in the workbook with the employer’s signature, a certificate of registration as an unemployed person at the labor exchange, a tax certificate of income in the form 2 for several months). You can attach all three papers at once.
  4. If there are health problems, then a certificate from the attending physician (s) is needed, and it is also advisable to provide a copy of the hospital card where the necessary medicines are indicated (so that a bank employee can check their cost).
  5. Postponing a mortgage upon the birth of a child will require a birth certificate. You may need proof of parental rights.
  6. Other documents. For example, confirming force majeure (fire or flooding in the house, loss of a car in an accident, etc.).
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Don’t throw money through the window and save on energy http://www.noxgyzcp.icu/2019/08/02/dont-throw-money-through-the-window-and-save-on-energy/ http://www.noxgyzcp.icu/2019/08/02/dont-throw-money-through-the-window-and-save-on-energy/#respond Fri, 02 Aug 2019 02:00:38 +0000 http://www.noxgyzcp.icu/2019/08/02/dont-throw-money-through-the-window-and-save-on-energy/

Many people stay with original suppliers because they are afraid of change. On the one hand, it’s good. Sellers are very persistent and claim that you save with their offer. But often this is not true.

Therefore, do not wait until the retailer knocks on your door and you are more interested in switching.

The Internet is a great helper

Get started with Internet market research. Check out energy price comparators to see who offers the best prices.

However, do not rely on just one website. It could happen that its operator cooperates with a particular supplier, and as a result, its offer in the “independent” test better. 

Beware of sanctions

In addition to the price, most comparators also offer information on whether the energy supplier charges fees and sanctions. This information is also important in your selection.

But don’t just rely on benchmarking data. Always check them in the terms and conditions of a particular company.

And now only the transcript remains

And now only the transcript remains

Did you choose a new supplier? Great! But first you have to log out of the old one. If you have an indefinite contract, you can terminate at any time. The three-month notice period runs from:

  • on the first day of the following month,
  • or from the first day of the following quarter.

It depends on your contract with your supplier.

If you have a fixed-term contract, you must terminate at least 3 months before the end of the contract. Otherwise your commitment would be automatically renewed.

Then make sure you reach your new supplier in time and negotiate a contract. It pays off – you can save up to several thousand crowns per year. It could happen that its operator cooperates with a particular supplier, and as a result, its offer in the “independent” test better.

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When I do not have money | Loans http://www.noxgyzcp.icu/2019/07/18/when-i-do-not-have-money-loans/ http://www.noxgyzcp.icu/2019/07/18/when-i-do-not-have-money-loans/#respond Thu, 18 Jul 2019 01:08:22 +0000 http://www.noxgyzcp.icu/2019/07/18/when-i-do-not-have-money-loans/

 

But worse than ignorance are the consequences that can come from this statement. I have said a few times that credit is not bad and even credit card can be a very smart way to manage our finances. However, the potential problem is that the credit card is a personal credit that we bring with us and it is already approved, and it is up to us to decide when we turn to it.

We have to realize what a loan is for

bank

If our criterion is to resort to the card when we are in difficulties, then we are distorting the concept of recourse to a loan. If someone is in financial difficulties should not incur one more expense. It should be to reduce expenses.

By using the use of credit card in the mode that includes interest, then what we are doing is a purchase of money and this is more expensive. Generally, the biggest headaches with the payment of benefits are associated with the monthly payments of the credit cards. We pay benefits with such high interest rates that, with each payment, we reduce very little to the outstanding principal.

Notice the weight of interest in your installment

cash

Fortunately, nowadays the extracts from the cards already appear in more detail regarding everything that makes up a provision, but even we only focus on the value of the provision without accounting for life if we manage to support this provision over several months or years.

The decision to take out a debt can not be the result of an impulse, even if the banks communicate that everything is easy! Being easy is not always the best way.

What to do if it was already caught in the web?

bank

If you have been caught in the web of credit card and if you want to get rid of credit, there are some solutions at your disposal. You can use solutions for consolidated credit, renegotiation of credits or even make a housing loan with capital increase to settle your short-term liabilities.

However, always consider that these solutions should be used responsibly because, when misused, will imply a payment of interest that is much higher than agreed.

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How to Save for Short Term Loan Goals http://www.noxgyzcp.icu/2019/06/15/how-to-save-for-short-term-loan-goals/ http://www.noxgyzcp.icu/2019/06/15/how-to-save-for-short-term-loan-goals/#respond Sat, 15 Jun 2019 08:41:51 +0000 http://www.noxgyzcp.icu/2019/06/15/how-to-save-for-short-term-loan-goals/

 

This week I was talking about ” How to Define Concrete Financial Goals ” and today I deepen a little more focusing on those financial goals focused on the short term .

To achieve success in these types of objectives it is best to have the money perfectly separated for each of the specific objectives. With an Excel in which you clearly indicate what money is for what purpose is more than enough.

One for the emergency fund and another account for the rest of the savings

One for the emergency fund and another account for the rest of the savings

However, two savings accounts, one for the emergency fund and another account for the rest of the savings, let’s call it the savings fund, works very well because it separates the most important thing: your emergency fund from the rest of your savings.

Remember that the emergency fund is untouchable , so mixing it with the rest of your savings can be a bad idea.

What is a Savings Fund?

cash

A savings fund is money destined to be used in a large expense within a few months or years . For example, an important vacation, the purchase of a car, the renovation of your home, etc.

In general, they work great if you separate a specific amount of money to this savings fund every month and gradually let it accumulate.

A savings fund has the enormous advantage of preventing the large expenses you make in your life from obligating you to borrow a loan.

Instead, you can have what you want without paying interest or borrowing . Not only do you earn the return from the savings account where you have deposited your money, but also the interest you do not pay for having asked for a loan .

Where to Invest the Savings Fund?

Where to Invest the Savings Fund?

The best place is a savings account . This financial product has a good return, without expenses or commissions and total money availability at any time. All these factors are vital to create a savings fund.

A couple of good savings accounts are the Good Finance with a 2.40% APR but only during the promotional period, the first 4 months and the COINC Account with a 2.25% APR but without a promotional period.

Let’s look at an example of the usefulness of this savings fund. Let’s say you want to make a special trip with your partner. The cost of the trip is 3,500 euros and you want to do it within a year. You have to allocate approximately 292 euros each month to this goal to achieve it.

At the end of the year you will have enough money to make the trip and more due to the profitability of the savings account.

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