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Benefits of having a pre-approved personal payday loan

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One of the things that most bothers people who are looking for a personal payday loan is to have to meet the requirements and paperwork requested by the financial institution they attend, in addition to having to wait for the evaluation to be carried out and decide if the Credit is approved or not. However, if you are a responsible customer, you can skip all this thanks to pre-approved loans.

These personal payday loans are granted before the client asks for them, that is, their credit history is evaluated, as well as their financial movements and if they do not have any debt and have been reported as a good payer, the bank decides to grant a loan for a X amount that he can decide whether or not to accept.

Having a pre-approved loan does not mean that you have a debt with the bank, but if you wish, you have the possibility to accept that credit because you meet the necessary requirements. But what are the benefits of having a pre-approved loan? Next, three of them:

You don’t need to comply with the paperwork to get it

First, the bank has already made an evaluation of your history and customer profile and if it was offered, it is because you are approved.

That’s why you no longer need to submit more papers or justifications. In most cases, just submit your ID to accept the credit.

It tells you that you have a good credit history.

It tells you that you have a good credit history.

Banks will not risk pre-approving a credit to someone who represents a risk; that is, if they notify you that you have a pre-approved loan, it is because they consider you a good customer and therefore allow you to access these types of products.

You can access it in less time than a regular request

You can access it in less time than a regular request

While on a regular basis it would be necessary to wait a few days for the bank to analyze your profile, your data and your documents, as all that was previously done, you will be able to access the cash in a much faster way.

If you have a good track record, you might even have several pre-approved loans, but that does not mean that it is wise to accept them all; On the contrary, the ideal is that you compare the alternatives and see which one suits you best.

If you want to check what pre-approved loans you have, use Lily Bart’s personal payday loan comparator and enter your ID to get that additional information.

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Cheap Payday Loan on Bank

Novabank offers its clients a cheap payday loan. The bank’s customers will be able to take advantage of the new and cheap payday loan. Novabank encourages its clients to take advantage of their offer through a low interest rate on the loan. In addition, the loan amount you can apply for is up to PLN 120,000, while the loan period can be set up to 108 months. The possibility of using money for any purpose is a very important issue.

For its part, the bank does not impose on its client for what purpose it should use the learned money. An important feature of the loan is also the possibility of obtaining a decision within 15 minutes. Novabank also informs that in order to enjoy a low loan interest rate, you should regularly transfer employee remuneration or pension benefits.

 

Additional possibilities

credit loan

Novabank offers customers the opportunity to take advantage of credit holidays. Credit holidays are available once every twelve months, subject to repayment within the first 6 installments. The customer also has the option of choosing on which day he wants to pay off his installment.

A very convenient solution is also a text reminder via SMS about the upcoming installment repayment date. In addition, the bank allows you to combine income with other family members, so that the client is able to apply for a higher loan. It is also possible to set up an automatic bank transfer, so that the customer does not have to worry about timely repayment.

 

More options and safe

credit insurance

The customer can also take advantage of credit insurance in one of several packages available. Basic insurance applies in the event of death and permanent disability, the additional option insures against job loss, temporary disability and serious illness. The full insurance package includes all the forms listed above.

However, if the customer decides that the amount of credit he has taken out is too small, he can apply for additional funds the next day.

Novabank is directly focused on the customer. The products at its disposal are definitely focused on the borrower’s convenience and do not allow any inconvenience.

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Start Exercising With a Credit Card

credit loan

The fashion for “being fit” is probably one of the most useful trends in recent years. Poles fell in love with physical activity, as evidenced by parks full of runners or crowds at gyms. And that’s good, because sport is health, even in a recreational version. City Snowlowry decided to reward those who take care of their form on a daily basis and encourage those who lack motivation to exercise.

 

Promotion of City Snowlowry and WideFit – what’s going on?

credit card

He just wants to exercise with the latest credit card from City Snowlowry. We are talking here about Black Bar, which is one of the best “loans” on the market . The card is deprived of one of the most annoying fees, i.e. the annual fee for using the card . If you use it, the bank will give you a voucher for PLN 300 to one of the most popular fitness networks in Poland WideFit.

If you think that using a credit card you will lose more than you gain, you are wrong. No annual fee alone, compared to other offers, saves up to several hundred zlotys a year! Added to this is one of the longest interest-free periods on the market, lasting up to 56 days for all non-cash transactions.

Having a Black Bar credit card, you will be able to use a special installment program, thanks to which you will spread each transaction into installments, or you will get additional cash for any purpose. However, this is not the end of the benefits. The Black Bar card is free of charges for SMS notifications, as well as fees for notifications of defaults.

 

Three steps to good form and a credit card                                             

Three steps to good form and a credit card                                             

To take advantage of the promotion, thanks to which you will get one of the best credit cards on the market and a gym voucher, all you have to do is go through 3 simple steps.

  1. Complete a simple form and wait for a response from a bank adviser.
  2. After receiving the credit card, log in to CitiBank Online no later than two months after signing the contract.
  3. Make a min. 5 transactions in the first and second month of concluding the card agreement. The next month you will receive a voucher. It’s really easy!

 

What can you do with the 300 PLN voucher for WideFit?

credit loan

It’s really up to you what you do with the voucher you receive. You can spend it on a several-month gym pass to the WideFit network for yourself or your loved ones. However, this is not the end. You can use the e-bon in the WideFit online store, where you will find a whole bunch of dietary supplements and nutrients that will allow you to keep fit.

Thanks to the voucher, you can also buy various types of training accessories, such as dumbbells, sports bags, or recently popular massage rollers. Keeping in shape with a City Simplicity credit card has never been easier and more enjoyable.

 

Who can take advantage of the promotion?

Who can take advantage of the promotion?

To take advantage of the promotion, you must be an adult who can boast a stable income of at least PLN 1,200. On the day the contract is signed, you must be employed at your current workplace for at least 3 months. After completing the simple form, a bank adviser will ask you to send a scan of your account statement or other document that certifies your regular income.

Interestingly, companies can also take advantage of the promotion. If you run a business, you must meet similar conditions as for individuals. The promotion is intended for people running the company for at least 2 years who have a monthly income of at least PLN 2,500 net. Remember that the decision to grant a credit card, regardless of whether you are a private individual or run a business, depends on a positive assessment of your creditworthiness.

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Disposition Credit

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With a disposition credit, which is also known to many as an overdraft facility or, in short, a disposition, the account-managing bank grants the customer a credit line in connection with the management of the checking account. This credit line may be used by the customer as required. An overdraft facility is intended to bridge short-term financial bottlenecks. It is not a loan that is suitable for major purchases and certainly not to cover the running costs of living.

 

Who will be set up a disposition credit

Who will be set up a disposition credit

Disposition loans are now generally relatively generous, and often without the fact that the customer must apply for it extra, with regular salary received automatically. With the dispensary, which, if used regularly, is a fairly expensive loan, the banks earn a lot of money without much effort. With regular salary or other income of a regular nature, such as a pension and a faultless Schufa information, it is not a problem to be granted a discretionary loan from his bank.

How high the credit line is then determined by the income. Two or three net monthly salaries or pensions are usual. Customers who have been with the bank for a long time and may have credit balances on other accounts also get a significantly higher credit line if they wish. Further collateral does not demand the bank. Usually the disposition credit is established indefinitely. The amount of interest is variable. Theoretically, they can change daily according to the conditions on the financial market.

 

Dangers for consumers when using the Dispos

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Anyone who uses his discretionary credit constantly, partly disputes the cost of living and makes regular purchases, not only has to reckon with high costs for the accrued interest, but also runs the risk that the dispo can never be compensated. This is what consumers call colloquial dispo trays. In addition, the bank will then have the right to terminate the system without notice if the credit line is regularly overdrawn or to reduce the credit line if the income changes.

In this case, the bank will pay the debit amount immediately. If the account holder can not compensate the dispo, it may threaten to terminate the current account, which then entails a negative Schufa information.

 

Use the Dispo correctly

Use the Dispo correctly

The dispo should always be used only if short-term liquidity bottlenecks are to be bridged. For example, if the repair of the car is more expensive than expected. A down payment is due on the booked holiday trip, and the holiday pay is paid in two months or pay an invoice is urgently pay.

A rule of thumb is that the discretionary credit is always the right choice if a customer is able to rebalance the account within three months.

 

Interest for the Dispo

Interest for the Dispo

Each account holder using his / her Dispo is obliged to pay interest to the Bank. The interest rates for disposition loans are extremely high for some banks, which consumer advocates regularly criticize so far unsuccessfully. Once a quarter, the customer gets the interest charged.

If the repayment credit is used regularly, it may make sense to change the bank if the discretionary interest is too high. There are providers that charge just under eight percent, which is relatively cheap and there are banks that charge their customers 13 percent interest or more.

Anyone who as an account holder constantly uses his dispoise and can not manage to repatriate it for many months should, as an alternative, think about an installment loan in order to make up for the MRP. If at the same time credit is available on a call money account, this balance should be cleared for the dispatching. Credit interest is always lower than debit interest, so the bottom line, the balance of the balance is more appropriate.

 

The exaggerated dispatching becomes really expensive

The exaggerated dispatching becomes really expensive

Anyone who has to cover the credit line granted to him by the bank should inform the bank accordingly. However, authorized and unauthorized overdrafts of the credit line are really expensive and, in individual cases, may also lead to the cancellation of the loan or current account if the account is not cleared.

 

Alternatives to the dispo

credit loan

A good alternative are call-off loans, which unfortunately are not available at many providers yet. Call-off loans are also credit facilities with a corresponding credit line, but these are not linked to the management of the current account at the bank. The interest rates for call-off loans are significantly lower, so that savings can be made with regular use.

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Real Estate Credit: FUTURE TIPS FOR PRIMO-ACCEDANTS

All you need to know about your loan before buying your first property. Amaryllis gives you the smart advice to carry out your operation in the best conditions.

 

Financial envelope

Before signing a sales agreement, evaluate your borrowing capacity. This will allow you to direct your search for good in the price range corresponding to your purchasing power.

 

Personal contribution

Financial envelope

Ideally, do you make a minimum contribution to pay the notary fees is 7% of the purchase price in the old and 2.5% in the new. Indeed, fewer and fewer banks agree to finance loan files in 110%, without any personal contribution.

 

Information on the loans granted :

  • If you buy in the new, inquire about the possibility of taking out a 0% rate loan and / or a 92 loan if you buy in the Hauts-de-Seine.
  • If you live and buy in PARIS, examine your right to Paris Housing Loan.
  • If you buy your principal residence, and your employer is contributing to an employer loan organization, you may be eligible for a 1% loan.
  • If you are eligible for APLs, remember to find out about the PAS loan that will give you access to these aids that will be deducted from your loan maturity.

 

Optimize your loan setup:

Information on the loans granted :

Mixed rate loan

Mixed rate loan

 This type of loan is fixed for a given period (5, 7, 10 or 15 years), then revisable afterwards, most often capped 2. The customer then benefits from a lower rate that allows him to shorten the duration of his loan. This loan avoids the risk of a rise in the interest rate during the first years, years during which the interest to be repaid is the highest. This formula is very interesting for first-time buyers who have a high probability of selling their property before 7 years.

Evolutionary Loan

Evolutionary Loan

Some banks offer a so-called “scalable” loan which is fixed rate for the duration of the loan, but which is accompanied by an automatic maturity adjustment of 1% per annum. As a result, the initial monthly payment, from which the debt ratio is calculated, is lower, which makes it possible to borrow more or reduce the duration of the loan.

 

Opt for insurance delegation

Opt for insurance delegation

By negotiating a delegation of insurance, you can save up to 60% * on the total cost of loan insurance, and benefit from a powerful insurance solution, even in specific cases of aggravated risks, such as the practice of a dangerous sport or a profession at risk.

 

Know how to sell your strengths

Know how to sell your strengths

you do not have a big income or your financial income is irregular? Insist on your young age, your strong professional potential, the stability of your complementary income, the seniority with your employer, or a reduction in your fixed costs in the years to come. A proven savings capacity will undoubtedly be an asset: reserving a sum of money every month to your savings can only reassure the banker of your ability to cope with some financial pressure. He will prefer a low-income client with the ability to save rather than a high-income client but no savings effort.

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VAT – value added tax

Value added tax (VAT) in Poland as well as in the entire European Union is a general, widely used consumption tax, calculated on the basis of value added to goods and services. This applies in principle to all goods and services purchased and sold for use or consumption throughout the European Union. Therefore, goods that are exported or services that are provided to customers from abroad (countries that are not obliged to pay VAT) are usually not subject to VAT. On the other hand, the import of goods is taxed. This is because, as a rule, this system is to be fair to all EU producers, so that they can compete with each other on equal terms that apply on the European market. The VAT taxpayer in Poland must be every entrepreneur who performs some services as part of his activity.

The value added tax is:

tax

  • general tax, which in principle applies to all commercial activities involving the production and distribution of goods and the provision of services.
  • Consumption tax – ultimately borne by the final consumer. It does not apply to companies.

Why do all EU countries benefit from VAT?

 Why do all EU countries benefit from VAT?

  • At the time of the creation of the European Community, the original as many as six EU countries used various forms of taxation, most of which were cascading taxes. These were multi-level taxes, each of which was collected from the actual value of production, at each stage of the production process, which consequently prevented the determination of the actual amount of tax actually included in the final price of the product. As a consequence, the risk arose that EU countries subsidized their exports deliberately or accidentally by overestimating the taxes subject to reimbursement for this activity.
  • Therefore, an effective, uniform, neutral and transparent system of taxation of goods and services was born, which was adopted among all EU members.

How do you look like charging VAT?

 How do you look like charging VAT?

 

The VAT due for any sale is the percentage of the sale price. Double taxation is avoided and the tax is paid only, on added value, at every stage of production and distribution. In this way, the final price of the product is equal to the sum of the added values ​​at each of the previous stages.

The most reliable source of information on current VAT rates for a specific product in a given EU country is the tax authority of that country. The following VAT rates are adopted in Poland: 0%, 3%, 5%, and 23%. VAT deducted some services related to education, dental practice or financial services.

Tax fraud

 Tax fraud

Many companies use methods that rely on inefficient or ineffective attempts to extort VAT. This is a very common practice on the Polish market. Every year, millions of zlotys are lost to the State Treasury, which results precisely from this crime. Nevertheless, this procedure is flourishing and is doing well. It is a prohibited act and severely punished, including imprisonment.