patosvecipso.com http://patosvecipso.com Just another WordPress site Tue, 02 Jul 2019 03:19:16 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Consolidation of loans up to CZK 600,000 http://patosvecipso.com/consolidation-of-loans-up-to-czk-600000/ http://patosvecipso.com/consolidation-of-loans-up-to-czk-600000/#respond Tue, 02 Jul 2019 03:19:16 +0000 http://patosvecipso.com/consolidation-of-loans-up-to-czk-600000/

Consolidation request

Consolidation request

Are you interested in consolidating Mebank? If so, you can contact the bank simply by filling out the contact form on its website. At the same time, you choose the preferred trading venue and time that will suit you. However, you can also go directly to the nearest Mebank branch and apply for the loan merger right there.

Credit Calculator

Credit Calculator

Before submitting your application, we recommend that you calculate any monthly installments. This is done with a simple credit calculator, which is part of the bank’s website. Just add the value of the property, the required amount of consolidation loan, set the maturity and type of interest rate, and you will immediately see the amount you would pay each month.

Fees, interest rates and consolidation loan repayment

The big advantage of this consolidation is zero fees. Completely free is the provision of a loan, the establishment and maintenance of a credit account, as well as extraordinary installments (see below). The amount of interest depends on the fixation time – you can find the exact breakdown on the Mebank website. The installment itself is automatically transferred from your current account at Mebank and you can choose whether you will have classic annuity payments or prefer a degressive.

Extraordinary installments free of charge

Extraordinary installments free of charge

Up to 20% of the annual principal amount can be used to make extraordinary installments for free, over 20% is a fee of 5% of the amount over 20% of the annual principal. This principal is calculated from the date of the first drawdown of the loan.

Payment capability insurance

Along with consolidation, you can also arrange insurance for cases where you would not be able to repay the loan. Plus, it has one more advantage – you get a 0.25% discount on interest rates with insurance.

Consolidation is intended for:

Consolidation is intended for:

  • For those who have a lot of different loans and want to unite them into one big one
  • For those who are able to guarantee the property for the loan
  • For those who have a current account with Mebank or are willing to start it
  • For people over 18 with a steady source of income

Consolidation not determined:

Consolidation not determined:

  • People who are not able to guarantee real estate consolidation
  • People who are not willing to have a current account with Mebank
  • People who want a loan for more than 75% of the collateral value of the property
  • People who haven’t been 18 yet or those who have no income
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Financing dentures – that’s how cost recovery succeeds http://patosvecipso.com/financing-dentures-thats-how-cost-recovery-succeeds/ http://patosvecipso.com/financing-dentures-thats-how-cost-recovery-succeeds/#respond Sun, 30 Jun 2019 20:02:28 +0000 http://patosvecipso.com/financing-dentures-thats-how-cost-recovery-succeeds/

If a patient has to pay for dentures, this often brings him to his economic limits. Statutory health insurance pay 50 percent of the costs incurred in a standard care. Exceptions are high-quality variants such as implants or full-ceramic bridges. To finance this prosthesis, sufferers can complete a dental insurance. This guide tells you when it makes sense and what the policyholder should look for. Even with the standard care, for example, a prosthesis come to insured own shares. A bonus booklet or the hardship case allow a financial relief. The guide informs readers about further options for financing. These include, for example, a dental prosthesis financing through the dental practice or a small loan.

The advice before financing

The advice before financing

As soon as a tooth is missing, replacement is a major factor in keeping the remaining teeth healthy. Failure to finance the dentures and close the tooth gap, threatened health complications .

First consultations before patients finance the dentures

Before it goes to the financing of dentures, there are essential issues to clarify.

If a patient has to pay for dentures, this often brings him to his economic limits.

Where are the costs for the individual variants?

Which dentures fit the particular tooth problem?

Before patients finance the dentures, they arrange a consultation in their dental practice. There, dentists inform about common costs and the possibility to realize the dentures through a possible cooperation with a financing partner.

If patients think about the future, they ask about precautionary and preventive options in order to preserve their own teeth for a long time. Further advice on dentures offer the health insurance companies. Here, interested persons receive information about the standard care and when the statutory health insurance takes effect.

When dentures choose the patient between the benefit subsidized by the health insurance and higher-value variants. Some of these require private funding . In the case of regular care, those affected receive a condition-dependent fixed subsidy. Often this is not enough to finance the entire dentures.

Financing Dentures: What benefits does the health insurance fund pay which the patient?

By the fixed subsidy system when dentures legally insured get fixed subsidies for:

  • Crown
  • bridges
  • Prostheses (partial or full dentures)

The patient is free to choose the dentures, without changing the fixed subsidies. Depending on the bonus, these are between 50 and 65 percent of the average standard care costs . If those affected benefit from the fixed subsidy for an aesthetically appealing variant, they pay the costs for the additional service independently.

The subsidy from the health insurance company refers to the economically most sensible standard solution, without considering aesthetic aspects. The material is used as part of the standard supply NEM (non-precious metal). In the anterior teeth exists an additional partial veneer of ceramic.

The essential cash benefits exist in:

  • Crown or bridge from NEM
  • Removable dentures
  • Ceramic part veneering for anterior teeth
  • Supplementary dental insurance to finance the dentures

A dental insurance is suitable to absorb high costs of dentures. A good time to complete it is between the ages of 20 and 35 .

To finance dentures with dental supplement insurance

To finance dentures with dental supplement insurance

How can the dentures be financed through the insurance?

The comprehensive services for supplementary dental insurance are selected according to individual needs. Here are four performance hedges . In addition to dental treatment and prophylaxis include those of orthodontics and dentures.

In favorable variants, patients pay 4.80 euros a month. For persons over 60 years, the monthly contributions are up to 40 euros . It is possible to combine several benefits to fully cover the financing of dentures.

The voluntary supplementary insurance covers the costs for:

  • fillings
  • required rail and bite rails
  • dentures
  • root canals
  • dental surgery
  • Dental crowns and partial crowns
  • Bridges, pin teeth and inlays
  • Repairs on dentures
  • regular professional teeth cleaning

The additional dental insurance is worthwhile for patients whose dental condition suggests future dentures . If they have crowns and bridges at a young age, dental prosthesis maintenance is a good idea. Similarly, individuals who have undergone root canal treatment choose voluntary insurance. Root-damaged teeth are in danger of deterioration – for example, caries.

For patients, in which a denture appears to be foreseeable in the near future, the dental supplement insurance is not worthwhile. Applicants will indicate if their dentist recommends a dental treatment when applying. The insurance does not apply to the upcoming measures. In addition, there are limited reimbursement rates for the first three to five years after the insurance has been taken out .

In order to finance dentures, insured persons with bad conditions face high costs. To avoid this, they choose a dental supplement insurance, which covers 80 to 90 percent of the costs, including the GKV shares . This results in a maximum own contribution of 20 percent.

The advantages of voluntary insurance include the favorable conditions and the protection against high dental replacement costs. In addition, dental supplements usually offer fair notice periods. After conclusion of the contract this offers a term of two years . Subsequently, the renewal takes place in the annual cycle. If there is a premium adjustment, patients make use of their special right of termination if necessary.

The disadvantages of supplementary dental insurance include the acceptance criteria. For example, insurance providers may reject patients with poor dental conditions.

The waiting periods recorded in the insurance contract vary in height. They range from three months to a year. The services of the insurance are valid after expiry of this period. For a dental supplement insurance without waiting time insurers demand higher contributions.

To finance dentures with a private guarantee

If patients lack the financial means and collateral for a timely replacement, banks often refuse a loan. An alternative is the private guarantee. It is a means of securing credit . One of the essential requirements is the existence of a principal liability between the creditor and the debtor . An effective guarantee contract between the lender and the guarantor must exist.

Financing dentures: How does a private guarantee help?

The private guarantee helps to finance dentures when no equity is available. Guarantors are family members and friends. However, the financial burden turns a friendship into a hard test . If it breaks, there is no possibility to terminate the private guarantee at an early stage.

Preferably, sponsors are suitable as guarantors . These settle the surety with own means problem-free. There are different types of guarantee. For example, the guarantor will only assume the unsecured loan portion. For the remaining amount the patient arrives on his own. The variant is worthwhile if the desired dentures just exceed its financial resources.

Borrowers without equity qualify for a deficiency guarantee . If there is no wealthy sponsor, partial guaranties are suitable. Each guarantor takes over a part of the loan. The variant makes it easier to find people who vouch for the borrower. At the same time, there is less financial burden for each individual.

For the patient who needs dentures, the surety brings several benefits. Although he has a poor credit rating, he receives a loan from the bank. In the same case, this applies to people who have a Schufa entry. The loan enables the financing of a timely denture. In addition, the guarantee creates favorable conditions through lower interest rates . For these reasons, consumers also resort to a private guarantor in the context of rent payments.

A private guarantee goes hand in hand with a grave disadvantage: There is no right of termination. If it expires indefinitely, threaten debt or garnishment. As a result, the relationship between the debtor and the guarantor deteriorates.

If patients need dentures, a low-level loan bridges a financial shortage.

Financing dentures with a microcredit

Financing dentures with a microcredit

How can a loan cover the financing?

If patients need dentures, a low-level loan bridges a financial shortage.
If a tooth has a deep filling, the risk of a later dentition in the form of a crown increases. A bare metal crown costs up to 400 euros. A full ceramic model is associated with costs of up to 1,000 euros. To be able to settle these promptly with the dentist, sufferers use a Small Lender microcredit. First-time customers receive an instant loan of up to 500 euros. For existing customers, the total increases up to 3,000 euros.

 

The maximum duration is 30 days. Patients use the loan to finance a crown made from all-ceramics or several ceramic dental crowns . The sum is enough, for example, to finance an extravagant gold crown, which costs up to 700 euros. Small Lender offers a straightforward application with online contract signing and videoident. Applicants receive their payment within 60 minutes, so that short-term treatments are not a problem for the dentist.

In addition to the fast lending, the financial services provider scores with an effective annual interest rate of 13.90 percent. This effective interest rate reflects the annual costs associated with borrowing.

These include:

  • the debit interest
  • Bank charges
  • payout rates
  • as well as the repayment of the loan

At Small Lender, there are no costs for consultation and processing . This allows a favorable annual percentage rate . This makes Small Lender an uncomplicated alternative to the house bank.

Financing the dentures via the dental practice

For a nice dentition, the majority of patients would like a higher-quality dental care. Instead of metal crowns with partial veneering, they opt for crowns and bridges made of all-ceramics or the implant supply. Aesthetic dentures often exceed the amount available to individuals on a monthly basis. To benefit from a professional dentistry treatment, dental practices offer a monthly payment to those affected .

This installment makes it possible to use a high-quality dentures in case of financial constraints. Dentists work with specialized lending companies for this purpose . These are dedicated exclusively to the financing of dental services and offer patients fair conditions. The monthly amounts depend on the income of the person concerned and the cost of dentures treatment. Often the dentist offers an interest-free payment in the first six months.

Special cases, tips and hints

Special cases, tips and hints

Financing dentures: What happens in a private bankruptcy?

Do private individuals no economic activity and show insolvency, seizes the judicial debt settlement . This means personal bankruptcy and allows for complete debt relief within a maximum of six years.

For this purpose, sufferers spend a large part of their income. The monthly income is below the debt free limit . Financing the dentures represents a financial overload. Especially in the conduct phase, there is no way to cover the high sums. If the dentures treatment serves the preservation and functional maintenance of the dental apparatus, sufferers apply to their health insurance company for recognition as a hardship case .

Financing the dentures with the hardship rule

The hardship rule applies to all persons with a legal insurance, provided that their income is below a certain limit. These include, for example, apprentices, low paid workers, single parents and social service recipients. With this regulation, they receive the standard care for the respective finding . The Social Code V stipulates the benefit entitlements in the case of hardship cases.

As soon as a recognized case of hardship exists, the fixed subsidy of the statutory health insurance increases from 50 to 100 percent. This allows for maximum cost recovery without deducting the patient. If the salary of those affected is just above the income threshold of € 1,164 , they also fall under the hardship rule. If a relative lives in the household, the limit of unreasonableness reaches up to 1,597 euros.

Apply for hardship regulation to fund dentures
Help with the application for recognition as a hardship case get affected by their dentist. He applies for the health insurance subsidy as well as the hardship recognition through a cure and cost plan. Before the health insurance company agrees to this, it checks whether the dental financing represents an unreasonable financial burden. For this purpose, it takes into account the gross income of the patient and all household members.

After the application has been submitted, the health insurance fund will send you the necessary documents. Afterwards, the patients fill in the completed contract and the dentist’s treatment plan.

Other important documents include the bonus booklet and a meaningful proof of income and the individual financial situation . This includes, for example, a Hertz IV decision, evidence of personal bankruptcy or certificates that identify those affected as students or students. The hardship case makes it possible to finance dentures despite low incomes or debts.

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The cash injection makes it possible – loans in Germany http://patosvecipso.com/the-cash-injection-makes-it-possible-loans-in-germany/ http://patosvecipso.com/the-cash-injection-makes-it-possible-loans-in-germany/#respond Tue, 18 Jun 2019 19:37:47 +0000 http://patosvecipso.com/the-cash-injection-makes-it-possible-loans-in-germany/

The next dream vacation is planned, a new car used or the income co-financed: The motives for a loan are many. German social researchers, economic experts and the political elite regularly deal with the prosperity of the country.

A large pool of data sets with a wide variety of interpretation aims is to provide information about the cost of living or the income and expenditure of German households. Anyone who takes out a loan usually has a good credit rating, because the creditworthiness requires a financially stable budget. That’s why we ask ourselves:

Since when are there loans and where do they come from?

Since when are there loans and where do they come from?

“Nothing goes without moss” – this popular saying is often used in the vernacular, when the financial situation affects a cost-related project. The credit is an indispensable asset for many citizens worldwide. The peasants of Mesopotamia already knew this around 3000 BC, when they borrowed grain and repaid it after the harvest plus interest. This simple credit system ensured at that time the existence of entire families. Even today, loans are an important foundation on which houses are built, cars are financed or household finances are upgraded . There are a variety of loan models for every investment in your choice: from short-term microloans to long-term loans with maturities of several years .

A special feature of the loan can be found in its word source itself. The Latin creditum means something “entrusted to good faith” and thus describes the loan as a relationship of trust that exists between the creditor as the lender and the debtor as the borrower. A major distinction is in lending transactions , the so-called cash loans, and the loan lending transactions, in which the bank formulates a payment pledge to third parties. Lending is one of the most relevant banking sectors and is enriching and necessary for a large proportion of people in industrialized nations.

Infographic: Credit motives and the cost of living of German households

Infographic: Credit motives and the cost of living of German households

Type and amount of credit usage

Type and amount of credit usage

Which loans are used in Germany and how high are they?

Overall, the German citizens use loans with an upward trend. In 2015, loans with a volume of EUR 1,606 billion were granted to private households in Germany, compared to EUR 1,654.4 billion in 2016.

Much of it is the use of installment loans . In the process, 33 percent of customers use their credit to finance a used car. At 26 percent, financing a new car is one of the second most popular lending motives, closely followed by investment in furniture and consumer electronics at 17 percent.

Purpose of installment loans in 2016 use
used cars 33%
New cars 26%
Furniture, kitchen 17%
Consumer electronics, computers 17%
Large household appliances 14%
Replacement installment credit / e 13%
Compensation of the disposition credit 13%
Clothing, jewelry 11%
Renovation, move 10%
vacation 9%
Medical treatments 3%
Education / training, studies 3%
other vehicles 1 %
Motorcycle, moped, scooter 1 %

Who uses the loan to finance larger purchases , does so in 47 percent of cases once. Twenty-six percent of credit users finance two investments and 14% use the loan to cover three financings. This result underpins that the loan is chosen wisely and is usually requested for more costly purchases.

Number of financing of financing users in 2016 user
A financing 47%
Two financings 26%
Three financings 14%
Four financings 7%
Five financings and more 7%

 

Income and expenditure of German households

In addition to the credit motive, the income and expenditure of the citizens play a decisive role in the question of the creditworthiness and the need for a loan.

In 2016, the average gross monthly salary of full-time employees in Germany was 4078 euros. 21.2 percent of this is attributable to the rent of self-occupied living space. According to the Federal Statistics Office, 13.9 percent was spent on food, 10.5 percent for leisure activities and 4.4 percent for clothing. The typical male borrower has his income and expenses in view with a coup d’état in a 2.3-person household and tends to resort to a loan as soon as the expenditure exceeds the income in the long term due to a larger investment. Small loans are also preferred in Germany – they are a popular alternative to compensate for short or short term shortages.

Share of consumer spending per household per month in Germany in 2015 use
Housing, energy and housing maintenance 35.9%
Food, drinks and tobacco 13.9%
traffic 13.1%
Leisure, entertainment and culture 10.5%
Accommodation u. Restaurant services 5.7%
Interior fittings, household appliances and objects 5.3%
Clothing and shoes 4.4%
health 4.2%
Other goods and services 3.7%
Post and Telecommunications 2.6%
Education 0.7%

 

Conclusion: short-term loans as a relevant financial support

Conclusion: short-term loans as a relevant financial support

An informative survey shows the results of the short-term loans taken. These underpin the fact that short-term loans have an important purpose: they are mainly used to pay bills or make necessary repairs. This makes it clear that short-term and small loans are used extensively to ensure a stable credit rating – and this in the federal states, where the income and expenditure show a healthy difference.

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Where to go for help with debt consolidation http://patosvecipso.com/where-to-go-for-help-with-debt-consolidation/ http://patosvecipso.com/where-to-go-for-help-with-debt-consolidation/#respond Sun, 26 May 2019 03:02:31 +0000 http://patosvecipso.com/where-to-go-for-help-with-debt-consolidation/

Unemployment rates are still quite high in the United States. Government figures show an alarming trend. People are out of work longer. It is much easier to lose a job, and it is also much more difficult to find a new one. Given this daunting news, is there any way to protect a home against foreclosure before something bad happens?

Home debt consolidation loans

Home debt consolidation loans

Ask if they cover all types of debts, if it is secured or unsecured loans. Ask for other cases they have handled. It is important for you to find out if you have experienced different angles of debts, such as whether it is mortgages or personal loans.

As a homeowner, you can easily get loan to buy real estate. You stand to make money in many ways. You can get favorable terms on home loans to buy a second or third property. Your chances of approving a construction loan are much higher if you are planning to build a property on land that you own. If you own another property and, apart from the land where you intend to build, your chances will really increase.

How get out of financial debt

How get out of financial debt

If you are looking to take advantage of the capital you have built in your home, or refinance at a lower interest rate, you can get a loan, even with bad credit.
Although always in credit card financial debt is easy to do, getting it is something that requires a great deal of features. Even in case you visit an institution or a company that focuses on helping people get out of debt, has it won? It happens during the night. To get out of financial debt, which really takes you a little time and work, how do you get the debt under control and start the long process of rebuilding your credit.

Very often people resort to simple financing options, such as credit cards and department store cards. If you are on vacation with your family and you find yourself short of funds, you are very likely to use plastic money at the drop of a hat. It would rarely matter what the repercussions would be. A prudent man would have done differently though. It is best to plan all the expenses upfront and then see what exactly the deficit is. This deficiency could be achieved with the help of a low-cost loan that does not require a high interest rate. Still, you need to plan for it. A little effort and foresight on your part can save you a good sum of money. When cheap loans are available on the financial market, why create a situation where you have to resort to expensive debts?

Imagine a big, big mountain in the distance. You don’t know exactly how far it is, but you know it’s there, waiting to be climbed. Meanwhile, between you and the mountain is a valley of mist covered. You don’t know what kind of ups and downs it will be in that valley, but you know the journey through won’t be exactly smooth.

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How to buy a used car loan from a private person http://patosvecipso.com/how-to-buy-a-used-car-loan-from-a-private-person/ http://patosvecipso.com/how-to-buy-a-used-car-loan-from-a-private-person/#respond Fri, 24 May 2019 14:02:39 +0000 http://patosvecipso.com/how-to-buy-a-used-car-loan-from-a-private-person/

Not everyone has so much money to buy a brand new car from the salon. Therefore, you have to buy a “slightly older car, but it is much cheaper.” In 2018 in Russia, for one sold new car there were three cars with mileage.

But it often happens that the funds are not enough even to purchase a used car. In order not to postpone the purchase for the future, you can use a car loan from one of the banks.

Terms of loans for the purchase of used cars

Terms of loans for the purchase of used cars

Loan products developed by Russian banks suggest issuing loans not only for the purchase of new cars at car dealerships, but also for the purchase of used cars from individuals. The buyer himself can find a car on the Internet or from friends. And if he does not have enough money to make a deal with the seller, contact the bank for a loan.

What are the conditions of such loan programs? Not to be unfounded, consider the features of the program called “Europe Bank”. Following the results of the first half of 2018, this financial institution entered the top 5 largest car lenders, issuing 12,910 loans . And if any conditions of this bank differ from the generally accepted ones, we will stipulate it separately.

What requirements must a borrower meet?

Car loan is one of the types of mortgage loan . The car purchased by the borrower is pledged from the bank until the loan is fully repaid. In case of problems with the repayment of the loan, the bank has the right to sell the car at auction and return its money. The presence of collateral reduces the risk of loan defaults, so banks to customers, car loans, make gentle demands .

A car enthusiast who wants to get a loan to buy a car from a private person must be a citizen of the Russian Federation and have a permanent registration.

The total length of service required to get a loan is minimal in this bank starting from 6 months.

The package of documents required for obtaining a loan:

  • passport;
  • driver’s license;
  • copy of employment record certified by the employer (for employees who work for hire).

If the loan amount is less than 2.5 million rubles, or if the down payment when buying a car exceeds 30% of its value, then an income certificate is not required. In other cases, the employee will need to provide a certificate in the form 2-NDFL, and the individual entrepreneur – a copy of the tax return for the last year.

Requirements for vehicles

Since the car bought by the borrower will be a collateral property and a means of securing the loan issued, the bank makes special demands on it. For example, Credit Europe Bank issues loans only for the purchase of foreign-made cars . Machines manufactured in Uzbekistan, Ukraine, Iran and (for some reason) in China he does not consider “foreign cars”. The age limit of the car – 5 years at the time of the loan.

Other Russian banks agree to give loans for the purchase of used cars of Russian origin (as a rule, not older than 5 years). The maximum age of credited foreign cars can reach 10 years.

Loan terms

Due to the fact that collateral loans are classified as loans with low risk, the rate on them is usually lower than on consumer loans without collateral. However, the cost of loans for the purchase of used cars is higher than when buying new cars in showrooms. Credit Europe Bank offers loans for used cars at a rate ranging from 10 to 16% per annum .

Possible period of auto-loan is from 2 to 7 years (standard terms of other banks are from 3 to 5 years).

The minimum down payment for future motorists is 10% of the value of the car (in most other lending institutions it is 20-25%).

Making Cisk when buying a car on credit is necessary. However, you can find banks that are ready to issue auto loans without buying a Cisk policy. However, in this case, the interest rate on the loan rises (on average, by 2-2.5%).

Pitfalls of buying a car with a mileage on credit

Pitfalls of buying a car with a mileage on credit

Let’s first call the benefits of purchasing a used car with borrowed funds. First, it is a financial gain . Every year a vehicle loses a part of its value, even if it is in perfect technical condition. And the buyer has the opportunity to find a car at a reasonable price.

Secondly, there is no need to wait several years until the money accumulates. After receiving the loan, you can drive the car on the same day.

But such transactions have their drawbacks . The most basic of them is a substantial overpayment for the goods . If you, for example, issue a loan in the amount of 500 thousand rubles for a period of 5 years at a rate of 15% per annum, then the total overpayment for the purchase of a car will be 214 thousand rubles.

A car purchased on credit is pledged to the bank . The owner of the vehicle will not be able to dispose of it at its own discretion (to sell or donate) until it fully returns the loan to the creditor.

When buying a used car is very high risk to purchase goods with hidden defects . A machine buyer can be a professional in his field (for example, a qualified programmer or advertising manager). But it is possible that he will be sold by a car expert who can disassemble an engine with his eyes closed. It is clear that the level of training of these people in terms of assessing the technical condition of the vehicle and identifying hidden defects is incomparable.

An experienced person will easily hold an inexpensive pre-sale preparation and hide the significant shortcomings of the car. And if the buyer fails to identify them before the transaction, then he will have to pay for the repair of the purchased car up to 30% of its value. An overpayment for auto repair will be added to the overpayment for the loan.

How to save money when buying a car with hands

How to save money when buying a car with hands

How to avoid unnecessary financial expenses when buying a used car? The answer may seem paradoxical, but for this you need to pay for the services of specialists . Those people who buy used cars every day and arrange loans for them in various banks.

How can a professional help a car enthusiast when buying a used car? Let’s take a look at this using the example of the Auto For Lend service . Branches of this company (or similar ones) work in many cities of Russia (you can find information on how to contact service representatives here).

The process of buying a used car with the mediation of “Auto For Lend” in general terms looks like this:

  1. The client himself finds a car that suits him due to the technical condition and price.
  2. Fill out the form on the site service.
  3. Employees of the company agree with the buyer on the date and time of the meeting. The meeting is appointed on the territory of the dealership of the brand to which the purchased car belongs.
  4. On the appointed day, the specialists from the dealership service center check the car for hidden defects, legal purity and compliance with the stated market price.
  5. At the same time, the service employees apply for a car loan to those banks that cooperate with this dealer.
  6. If the application is approved, the buyer signs the loan agreement and transfers to the dealer the down payment amount (at least 20% of the car price). The final payment to the seller is made by the dealer.
  7. Right at the dealership, the seller and the buyer sign an agreement on the transaction. The buyer becomes the owner of the car (and the borrower of one of the banks).

Thus, intermediary organizations such as “Auto For Lend” are able to provide the customer who buys a car from his hands the same service as if he acquired a brand-new car in the cabin from an authorized dealer.

What is the savings for the client? Employees of the service center carefully check the incoming car for defects and issue a check list to the buyer with a list of faults and the cost of correcting them. The buyer receives irrefutable arguments for bargaining with the seller, and he has the opportunity to reduce the price of the car. In the course of further negotiations on the advisability of buying a discount from the seller can reach 100 thousand rubles .

Secondly, when self-processing of a car loan a person turns into 1-2 banks. And, as a rule, takes a loan where it is given. Service staff are credit brokers. They submit applications to all banks cooperating with the dealer. In case of receiving approval from different credit organizations, the client gets the opportunity to choose the most profitable loan option .

If you make a loan in the amount of 500 thousand rubles for a period of 5 years at a rate of 15% per annum, then the total overpayment will be 214 thousand rubles. But if you manage to take a car loan for the same amount and the same term, but at 10% per annum, the overpayment will be only 137 thousand rubles.

When buying a used car, trust the professionals.

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I need money now: how to get it? http://patosvecipso.com/i-need-money-now-how-to-get-it/ http://patosvecipso.com/i-need-money-now-how-to-get-it/#respond Sun, 21 Apr 2019 20:18:11 +0000 http://patosvecipso.com/i-need-money-now-how-to-get-it/ ” I need money now and can not wait too long .” That is a phrase that is repeated in many houses, in many families that usually have a very marked budget. A budget that, at the minimum expense that arises and that was not foreseen, can be seen as unbalanced. That’s when the problems arise.

Urgent economic needs create in many people a sense of uneasiness and tension really uncomfortable. In this article of the blog of Good Borrowers we will give you some tips to get money soon and begin to solve this delicate situation.

Urgent economic needs: what to do?

Urgent economic needs: what to do?

The domestic economies adjusted to a very marked budget tend to suffer when an unexpected economic situation arises: a traffic fine, the urgent reform of housing, the repair of some mechanism that has broken down in our vehicle or of a domestic appliance that does not work are some of the reasons why we can see our monthly spending plans altered.
There we are forced to look for money already. If you still have some time to amend the situation, we leave you some ideas to get extra money quickly doing some activities that will not take you too long.

Some jobs to earn extra money

Some jobs to earn extra money

There are some jobs you can do to get money in a very short time. Of course you will need some time, however small, to accumulate enough to reverse your situation. From works as traditional as caring for children or dogs and other sporadic jobs, to other types of tasks that have become fashionable in recent years thanks to the rapid advance of the Internet.
The classic online job with which to get money urgently is to fill out surveys. Many web portals allow you to fill out surveys without limits and some pay up to 5 euros for each of them, so if you dedicate a few days you can get a good amount. Others, like monetizing a blog or writing articles, will take you more time so you should discard them if what you are looking for is money and for example to make the payment of the IBI or for any other common expense.

The best way of urgent financing

The best way of urgent financing

But what do I do if I need money now and it has to be today? And the problem is that, on many occasions, we do not have that minimum time to react to a delicate situation in which urgent money is necessary . Do you have a debt with someone or with an entity and can not wait another day? Do you need money to pay a fine and not charge you any extra, benefiting you in addition to the 50% reduction? The solution for you is then to resort to microcredits or urgent loans that are offered online.
The Internet has opened the door to many non-bank financial entities that offer this type of urgent financing. They tend to be loans that are intended for those financial needs that we discussed in previous lines. Needs that imply a not very high amount. They are much more flexible loans and faster than those offered by banks, with less interest and better conditions. Not to mention the convenience of not having to do paperwork or paperwork of all kinds, not having time limitation and being able to perform all the procedures from your own home or from the place where you are when you need money already.

I need money now !: your best personal loan

Among those multiple online financial entities that have emerged in recent years are those that meet in Good Borrowers . At Good Borrowers we specialize in receiving loan applications and getting the urgent loan that best suits the client’s needs . All the loans with which Good Borrowers operates are distinguished by their excellent conditions, by their flexibility as they are quick credits without payroll and without endorsement (even being in Asnef you can access financing) and by their convenience (they are fast credits without papers and without having to go to a bank).

In addition, you choose the conditions that most interest you, requesting the amount you want or need up to a maximum of 750 euros! And best of all: you can have that amount in a maximum of 15 minutes . Undoubtedly, Borrowers loans are the fastest in the market. And what requirements do we demand? Only be of legal age and have a bank account in the name of the applicant, plus some stable income that gives certain guarantees when returning the money.
These income can come from a pension, a scholarship or many other sources of income. Do you have any doubt? We remind you that our financial advisors are available 24 hours a day to help you in whatever you need and that you get the best choice on your personal loan. Contact us today and we will solve all your doubts!

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