Archives March 2017

Mortgages of foreign banks: how to request them in Italy and which to choose

Mortgages of foreign banks in Italy are a financial product that many users have purchased in recent years of credit crunch. It is no mystery that since the financial crisis of almost 10 years ago, credit conditions in Italy have become particularly complicated: the economic crisis has tightened the purse strings of many banks and obtaining a loan has become more difficult. This is why consumers have turned to other forms of credit, such as online loans.

The loans granted by non-Italian banks could be another convenient solution

The loans granted by non-Italian banks could be another convenient solution

The convenience of a loan made available by a foreign banking institution derives mainly from the economic conditions of the country in which it is based. The first operation that must be carried out when we are interested in these loans is therefore to understand from which country the bank to which we have turned is coming. As a result, to date the most accessible banks from this point of view are the German ones, such as Deutsche Bank, which can take advantage of lower rates in their home financial market, Germany , where debt costs less.

The bank pays for less to finance itself and therefore can apply more favorable rates to its customers

pays finance
Another solution is to assess whether Italian banks were purchased and then incorporated into international banking groups based outside Italy: for example, Cariparma and BNL were purchased by French banks and therefore enjoy some advantages over the Italian. However, we must know that in the last 2-3 years the difference in financing costs between Italy and countries such as Germany and France has been reduced, thus limiting the advantages of a loan from a foreign bank. However, the direction that the financial markets will take in the future can never be said.

The paperwork for obtaining mortgages from foreign banks is no different from the one you have to face to apply for a mortgage in Italy. There are no further complications, also because to ask for such a loan you must turn to a branch in Italy of the foreign group you are interested in.


Corporate mortgages: how to suspend installments

The moratorium on corporate mortgages is the result of an agreement between ABI, the Italian Banking Association, and the main Italian business organizations, including the Alliance of Italian Cooperatives, Cia Claai, Coldiretti, Confagricoltura, Confapi, Confedilizia, Confetra, Confindustria and Business Network Italy. The moratorium is a measure that suspends some payments linked to mortgages contracted by companies to support their productive activities, granting them a more accommodative repayment plan from the debts owed to banks. In this way, we try to lighten the debt situation in Italy.

The agreement between ABI and trade associations was signed in 2015 and is in force until 31 December 2017 . The agreement is composed of three components: “Companies in recovery”, which concerns, in fact, the suspension of the loan to companies ; “Developing companies”, which proposes new forms of financing for business development projects; “Businesses and Public Administrations”, a tool aimed at simplifying the reimbursement of company credits accrued vis-à-vis the public administration.

Returning to the moratorium on loans for businesses

loans for businesses

This procedure provides for the suspension for 12 months of payment of the principal amount of the loan repayment installments. The suspension of the capital quota also extends to the leases of real estate and movable assets, including subsidized ones. In addition to the moratorium, it also provides for an extension of the amortization plan up to 3 years for unsecured loans and 4 years for mortgage loans, the most common.

Concretely, what does this measure mean?

contracted loan

The company that has contracted a loan and adheres to the moratorium procedure, may not pay the installment share for 1 year: this does not mean that it will not have to pay anything. The interest rate remains to be paid to the bank every month: the interest rate will therefore be payable even during the period of suspension of loans for companies. The unpaid portion will be spread over the subsequent period of extension of the repayment period.

Among the requirements to be able to access these measures, the company must be “performing” : when the company applies for a moratorium on mortgages, the company must not have debts classified as “bad loans”, “unlikely to pay” or exposures overdue by more than 90 days. Furthermore, the company must not have requested a suspension for the same loan in the previous 24 months.


Why are online loans without bureaus so special?

Get online loans without bureaus is one of the simplest things in the world, this type of financing is available to everyone, you can request it from your cell phone, without leaving home and without having to do a thousand different procedures. They are specially designed so that you receive the money quickly and you can get out of trouble.

The main objective of these products is to help people who are in an exceptional situation and require immediate liquidity. In the network you will find hundreds of companies that assure to give you competitive rates and flexible terms, however, you must be careful, there are many dishonest pages that could be a victim of fraud.

The online loans if bureau are a great tool in the right hands, when a company is professional and honest can give you a hand to solve your economic problems without taking advantage of your need. Below, we list some of the reasons why they make these loans your best ally.

  1. They represent the future

The online loan companies intend to innovate the financial market in order to help as many people as possible, creating accessible and reliable products. It is not like before that the options you had to get out of your financial problems were very small and difficult to access.

Thanks to the internet and financial technology companies, everyone has the opportunity to access fair and competitive financing. It is no longer a privilege reserved for people with a good track record or a good job, there are companies willing to lend money to people who were previously invisible to banks.

  1. They have options for all profiles

If you really need it, you can find financing through this means, no matter what your employment situation or if you are in the famous credit bureau, while you can check a fixed income, you can access a loan. The online loan companies without a bureau can grant a loan to practically anyone because they have a series of policies that allow them to protect themselves.

In short, online financial products pay for these risks by charging a slightly higher interest rate than traditional banks, thus protecting themselves against the possibility that debtors do not comply with their obligations. That is, the risk is shared between the company and the customers.

  1. With online loans without bureaus you receive the money almost instantly

    With online loans without bureaus you receive the money almost instantly

When an unforeseen occurrence you need to get money urgently and online loans are the fastest way to get secure and effective financing. Being a completely digital process, you can take advantage of the speed of the internet, once your request is approved, the money will be in your bank account in a matter of minutes.

No matter where you are, you can request it from anywhere, whether you are sitting in your living room or if you are traveling on public transport or taking a break in your office, as long as you have access to a device with an Internet connection. The network will be able to request your loan and receive it in a very short time.

  1. They lend you just the right amount

    They lend you just the right amount 

A constant of these products is that they offer you relatively small amounts, in such a way that it is easier for you to return the money in a short time. Many of these loans handle short terms ranging from 1 to 30 days. It is designed in this way so that the debt generates the least possible amount of interest and does not get out of hand.

If in your situation you need more money, as soon as the company has confirmed your payment you can request a new one. If you prove to be a trusted client, most lenders reward you by giving you higher amounts, all you have to do is commit to make your payments within the agreed term. In the remote case that you can not pay your loan, being a small amount will spend less time in the bureau.

  1. They help you build a good reputation

If you apply for loans without bureaus and pay them in a timely manner, you will be creating positive reports that can change the way credit companies see you. It is healthy to ask for loans on a regular basis if they are used responsibly, every debt properly paid makes you a more attractive credit subject for the companies.

Young people can benefit from these services and strengthen their history in case they wish to request important financing before a bank or traditional financial institution. Getting a loan in a conventional bank can be easier if you prove that you have healthy consumption habits, this is achieved by paying your debts and services on time.

  1. You have complete freedom to spend your money

    You have complete freedom to spend your money 

Unlike other loans, with this product you do not have to justify the use you will make of the amount received, you can decide how, when and in what to use it, without any obligation. However, this freedom should not lead you to spend money on anything unimportant, you should think about how to get the most out of it so that it is worth paying the interest it generates.

With the right online loans without bureaus you can get out of trouble and keep your credit history intact. Remember that you must use these products responsibly and never ask for more than one at a time, so you will not get out of your budget or have to pay extra charges. In Finance Mexico you can find the valuation of professional and totally reliable lenders, if you need a quick source of income we can advise you so that you find the best option for you.


Loans up to 15,000 dollars >> Payed in 30 minutes

At @ the Citrus site you can borrow up to 15,000 dollars. You will receive an answer immediately and can have the money in your account within just 30 minutes.

Your first loan may not exceed DKK 4,000. In return, your first loan will be free if you borrow for a maximum of one month.

Money in 30 minutes

The krona loan is really fast money. If you apply for normal opening hours, you have the money in your account within just 30 minutes. The normal opening hours are weekdays between 08:00 and 18:00.

Answer immediately

When you apply for a loan at Coppola, you will receive an immediate response directly on the screen. Therefore, do not wait for an approval process or first check your mail. If you approve the loan, you can pay it after only 30 minutes.

At Coppola you can borrow up to 15,000 KR. You will receive an answer immediately and can have the money in your account within just 30 minutes.

What requirements should I meet to borrow the loan?

Bank loans do not require as much of you as the borrower. Basically, you should only be 19 years old and be debt free. Specifically, you must meet these points.

  • You must be at least 19 years old
  • You must be a Danish citizen
  • You must have a population registration address in Denmark
  • You must have a valid NemID
  • You must not be registered in RKI
  • You must have an active email address
  • You must have a Danish phone number
  • You must have a Nem account for which the money can be transferred
  • You must be creditworthy, which is immediately assessed by the Bank

How quickly do I have to pay back?

You decide how quickly you will repay your loan. The loan is a credit and you decide how much you want to draw on the credit. However, you can not let your debt grow. The price for the loan is monthly interest. If you have borrowed your maximum credit of DKK 15,000, you should pay the interest on the loan every month, so your loan will not grow. But you can pay more than this. You decide. You can always pay the loan or just part of the loan. You pay only interest and no fees. Then you have money left over, so it will make sense to use these to deduct the loan.

A free loan with the loan

Your first loan at the Coppola can be a free loan. The last month on your loan is always interest-free and therefore free of charge at Kronen. If you only borrow for one month, it’s free. Do you borrow in eg? 3 months, then you pay for 2 months. Only the first loan is free. 

Loans up to 15,000 KR.

At Coppola you can borrow up to 15,000 KR. However, you must earn a high amount before it becomes an option for you. Your first loan cannot exceed DKK 4,000. However, all subsequent loans can be up to 15,000 KR. You must first prove that you are willing to repay your first loan before you are approved for a larger amount. In return, you can get your first loan paid in just 30 minutes and payback within 30 days, then it’s free.

Loans in 4 fast steps

It only takes a short time to get a loan. Your application is approved immediately and the money can be paid in 30 minutes.

Here are the 4 quick steps to get a loan:

  • Choose loan amount
  • Fill out the loan application
  • Sign with NemID
  • Get answers to application and money paid 

The 14-day right of withdrawal

Remember that you always have 14 days of cancellation when you raise a loan. If you regret, you will have to pay the money back, as well as interest for the days you have had the loan and you are out of the contract.

 


Installment Loans No Credit Checks welcome

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