October 30, 2019

Loan with garnishment

Anyone who has ever experienced a garnishment, knows that this can not only be very annoying and annoying, but also always the last option for a creditor to receive his remaining claim. If you have a wage-earning and want to take out a loan, then you have very bad cards, because the garnishment is registered in the credit bureau and when you make a loan application, the bank checks the creditworthiness of the borrower by credit bureau credit bureau has been registered, then it is almost hopeless that one gets granted a loan with garnishment. But even if the wage garnishment has not yet been registered in the credit bureau,…

October 29, 2019

A loan for renovating an apartment? Take her in installments!

Your furniture is already glorious years, your wife would like a new kitchen and a neighbor from above is constantly flooding your apartment? It’s time to renovate! Now you don’t have to explain yourself with the lack of money, because you will get all the funds you need from non-bank companies. See how it is possible! In online non-bank companies, you will usually get a loan to renovate your apartment faster than at a bank. And all this because such institutions will not ask why you need this money and will not require confirmation that you actually plan to carry out some renovation. Here, the principle of operation is very…

October 25, 2019

Credit and loan – remember the differences

For many people, ‘credit’ and ‘loan’ are two designations for the same financial product. Although in the common sense both terms are used interchangeably, from a formal point of view they differ significantly, and the consequences of these differences have different legal effects. Both credit and loan are financial products whose purpose is to incur a repayable debt. Let’s get to the differences though.   The loan is only available in the bank In accordance with art. 5 of the Banking Law (Act of 29 August 1997), loans can only be granted by specialized financial institutions: banks. Detailed regulations on consumer credit agreements are set out in the Consumer Credit…

October 22, 2019

Credit and loan – how do they differ?

The terms “credit” and “loan” are often used interchangeably, although as a product they are very different from each other. Check how the credit differs from the loan. Credit and loan – basic differences. 1. A loan is always a banking form. Loan not always The loan agreement is always regulated by a legal form – banking law, according to which a loan agreement is considered to be a situation where the bank is obliged to make available to the borrower a certain amount of money. This product is intended only for the bank. The loan agreement is regulated by the provisions of the Civil Code, therefore it can be…

October 22, 2019

Credit for Small Business – Business loan

Small business owners are often start-up entrepreneurs who have taken the step into self-employment. One step, of course, is to succeed in times of economic instability and courage. But it can also be a bit of patience required, namely, if you want to apply for a loan for small businesses. This could be necessary, for example, to turn the small business into a larger company. Similar to other self-employed banks eye such a project skeptical view, which often results in a rejection of the credit request. What are the chances at the bank? Nevertheless, credit inquiries at the bank can be crowned with success if the conditions are right. What…

October 20, 2019

Payday loan What do you need to use it?

Non-bank loans enjoy considerable interest among consumers, but they still arouse much controversy. First of all, a lot of doubt is manifested in the insecurity of such offers. Payday loans are easily available and only a minimum of formalities is needed to take them, which is why many people are afraid of scams on their data. Do you really need to worry about your safety?   Payday loan – what documents do you need to provide? To better understand security concerns, you must first learn the mechanism for granting loans. They are characterized by a simple credit process and no personal appearance in a branch of a non-bank company. Even…

October 20, 2019

Mortgage loan step by step

The strategy for obtaining a mortgage does not have one proven method of operation. Each loan is granted individually, and banks take into account many dependencies. Below we present how the next stages of the mortgage look:   How to take a mortgage step by step? 1. Meeting with an expert – a mortgage specialist. Thanks to the specialist’s experience, we will save time and money. After obtaining all necessary information, the expert will look for suitable loan proposals that will be tailored to the client. The expert will also provide information on what documents will be necessary to obtain a loan.   2. Selection of the offer and completing…

October 8, 2019

How to finance a franchise?

  Franchising is a sector that has developed a lot in recent years because it would limit the risks compared to an independent business creation. In addition, it is active in many areas of activity such as catering, clothing, services, real estate transactions, etc. Given the proven success of the concept, it is possible to obtain financing. to prove more easy. What is the franchise? Definition of the franchise The franchise is a method of close and continuous collaboration between a company (usually called the franchisor) and other companies (called franchisees) that are legally and financially distinct and independent. The purpose of a franchise is simple: the franchisor grants the…