happyvalentinesdayi.com http://www.happyvalentinesdayi.com My WordPress Blog Sat, 09 Mar 2019 17:18:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Consolidating Loan http://www.happyvalentinesdayi.com/2019/03/09/consolidating-loan/ http://www.happyvalentinesdayi.com/2019/03/09/consolidating-loan/#respond Sat, 09 Mar 2019 17:18:59 +0000 http://www.happyvalentinesdayi.com/2019/03/09/consolidating-loan/


A consolidation loan  and an overview of loan proposals. Problems with regulating bank debt? You still pay dearly every month for loan installments, but unfortunately they are too big and have a home budget? Consider a consolidation loan!

All you need to do is read only the latest offer of banks and consolidation loans. You can contact the selected bank online, by filling out a short contact form. Then all you have to do is wait for a call from a bank representative.

Consolidation loans allow you to consolidate bank debt, usually these are loans and cash loans.

Consolidation loan Review of banks

What is it about? In a nutshell, it may look like this. We are currently repaying 3 credits: cash loan € 15,000 4 years, cash loan € 10,000 4 years and credit card € 3,000.

The total amount of debt is therefore 28 thousand. What is needed is a consolidation loan of 28,000.(possibly a higher loan amount – we will receive additional cash as part of consolidation).

On the basis of the documents received, the bank repays our loans. We have only one loan in the bank at the time. In addition, if the loan period is extended (in this case it would be even for 4-5 years), the loan installment will be smaller than the sum of the loan installments that we paid before consolidation.

Details regarding the loan and accurate credit calculations, including products that can be consolidated, will be found in the bank. A personal visit to the bank is not necessary. Just fill out and send online a short contact form. A representative of the bank will contact us by phone.

Remember the cons of consolidation loans

Remember the cons of consolidation loans

The basic downside to consolidation is, of course, that in general, such a loan is more expensive. This is due, among other things, to the fact that additional costs are associated with the new loan: commission, interest and possible additional costs, such as insurance.

Interest will be greater because we extend the loan period to reduce loan installments.

Sometimes, however, there is no other option but to consolidate loans and credits to regain financial liquidity. The worst solution is to stop paying credit installments. This can only lead to even more financial problems.

To minimize credit costs, compare several banks (even 2-3) and choose the one that will offer the lowest total costs. When comparing credit offers, we can also pay attention to the APRC of the loan – it is the total cost of the loan in annualized terms.

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Payday Loan Consolidation: Fast personal online loans for unemployed and bad payers http://www.happyvalentinesdayi.com/2019/02/26/payday-loan-consolidation-fast-personal-online-loans-for-unemployed-and-bad-payers/ http://www.happyvalentinesdayi.com/2019/02/26/payday-loan-consolidation-fast-personal-online-loans-for-unemployed-and-bad-payers/#respond Tue, 26 Feb 2019 15:46:11 +0000 http://www.happyvalentinesdayi.com/2019/02/26/payday-loan-consolidation-fast-personal-online-loans-for-unemployed-and-bad-payers/

On this page you will find all the useful information regarding the loans without guarantor updated to 2019. We find out how to receive fast personal loans thanks to the mode of request completely online. Finally we will see how it is possible to obtain funding for the unemployed and bad payers, through the presentation of alternative guarantees.

Unpaid Loans 2019: how to get fast personal online loans

Unpaid Loans 2019: how to get fast personal online loans

The biggest problem to overcome in order to obtain a personal loan is without a doubt that of the guarantees required by the banks. In fact, each company requires more or less restrictive requirements that it is necessary to possess, without which it is not possible to submit the request for the desired loan. This guide is for those categories of customers who find it more difficult to get the loan they need. We are talking in particular of the unemployed and bad payers, who for different reasons are not particularly well-viewed by credit institutions. In fact, one of the guarantees that is always requested by the banks that offer personal loans is the paycheck. For this reason, employees have no particular problems in obtaining the amount they need, since the salary represents a fixed and insured entry every month, which is the ideal guarantee for the bank that must receive from the customer the monthly payment agreed.

As for the unemployed this is not possible, and for this reason there are many problems at the time of the request. The same goes for the so-called bad payers. These are those who in the past had problems in repaying a loan. Sometimes even delays in payments, if repeated, can mark the customer, who will subsequently have no difficulty in obtaining the financing he needs. The ideal solution in these cases is that of the presentation of a guarantor, which will allow you to apply for fast personal loans, even through the online request form. By presenting a relative or friend who has the necessary qualifications to have access to credit there will not be any problems obtaining the amount of money we need. In this case, in fact, it will be as if to request the loan is our guarantor, with the difference that the disbursement of the loan will take place on our current account and the repayment installments will be deducted from the same account every month. In the event that there are problems in paying the monthly installments, the bank will have the right to contact the guarantor to obtain the agreed monthly amount.

Although the presentation of a guarantor is the simplest solution to compensate for the lack of valid guarantees, it is easy to understand that unfortunately this solution is not always applicable. Not all of us have a person who is willing to guarantee for us the point of taking charge of our repayment installments in case of need. For this reason it is good to talk about loans without guarantor, very useful among others for unemployed and bad payers. Although, as we have already said, these categories of clients are not particularly well seen by the lenders, there are still some solutions that allow us to receive the desired personal loan. The solution to present the loan application without paychecks and bad payers is the presentation of alternative guarantees. Depending on the bank or the financial company we are targeting, financial products designed for any type of customer are envisaged, in order to meet the needs of all or almost all.

In particular, among the guarantees that can be presented there are, for example, the possession of real estate. In the case in which you have a house of property it is in fact possible to proceed with the mortgage of the property in order to obtain the desired financing. In this case the bank if the customer is not able to make the refund can proceed with the auction of the house to get the sum of money not refunded. Even valuables such as rings, earrings, gold necklaces and precious stones can be presented as alternative guarantees. Moreover, in order to obtain a fast loan also online it is possible to present as forms of income alternative forms to the paycheck. This is the case, for example, for pensioners, who, by presenting the pension coupon, will have access to the desired credit even if they are reported as bad payers. Another situation where you can receive loans without a guarantor is when you receive income from renting a home. In this case it will not be necessary to mortgage the house, as it will be enough to present the payments received in the previous months. In case you have valid alternative guarantees, just contact one of the major banks and financial institutions to get the financing you need.

Loans for unemployed: who to turn to and better loan options

Loans for unemployed: who to turn to and better loan options

One of the categories of clients that usually find it more difficult to obtain a personal loan is that of the unemployed. Unfortunately, to date the unemployment rate in Italy is very high and therefore we are talking about a particularly widespread situation. For this reason it is important to know the characteristics of this type of financing. What are the alternative guarantees that can be presented and who to contact to obtain the desired amount of money? The guarantees to be presented are always the same, first of all the presentation of a guarantor. As already mentioned above this is the ideal solution for all unemployed people looking for a personal loan. In this case, in fact, all the major banks and financial companies including Ultranix, Astrofinance, Cleopar, Onecredit, InDirect and not only offer their customers the opportunity to access the desired credit.

If you are interested in personal loans for unemployed people without a guarantor, then you can present some valid alternative guarantees. Among these the most quoted solution is probably the mortgage of the property. By presenting the documentation that certifies ownership of the property, it is indeed possible to access a fairly high amount. In the event that the amount you need is not particularly high, a very interesting solution is that of lien credit. This financing option allows the unemployed to receive a small loan without guarantees, simply by pledging a valuable item that can be for example a bracelet, a ring, a necklace, a watch or whatever. The only constraint is that the value of the objects left in pledge is greater than the amount requested. In this way you can get the sum of money you want, without having to lose items that can have an important emotional value, which will be kept safe from the bank that provides funding.

Finally, a particularly convenient financing solution is that of a non-repayable loan for the unemployed. This type of financing is different from classic personal loans, as it is aimed at those who are interested in carrying out a work project. In particular, in Italy there are several projects that allow unemployed young people to have access to subsidized loans. The advantage of these loans, in addition to convenience from an economic point of view, must also be sought in the guarantees to be presented. These subsidized loans are in fact assigned to those who meet the requirements defined in the announcement. The requirements will not affect the economic situation of the beneficiary, but the characteristics of the project to be implemented. Thus innovative start-ups will be financed in this way in the various sectors of the economy such as agriculture, industry, commerce and tourism. Non-repayable loans are the most convenient financing option ever, as we will only have to repay part of the total amount disbursed. For this reason it is the ideal solution for unemployed young people who want to start a new business.

Fast personal loans for housewives: which alternative guarantees to present?

Another category of customers who may have difficulty obtaining a personal loan is that of housewives. Although this category can simply be understood among the unemployed, a separate discussion is very often made. First of all, housewives are in most cases the wives of workers. Although in recent years more and more women are working, there continue to be many women who deal mainly with the home and children, whether by choice or lack of a job. Another widespread case is that of housewives who have a part-time job. In this case, the salary may not be enough to be able to present the request for the desired loan, unless the amount requested is not particularly low. In the latter case, housewives can access small personal loans, presenting a paycheck as a guarantee.

In the event that a housewife does not have a paycheck or does odd jobs with earnings that do not constitute a sufficient guarantee, then the solution may be to present her husband as a guarantor. In this case, as we have already said, there will not be any problems in receiving fast personal loans, just as if the request is an employee. For housewives, the alternative guarantees mentioned above are also valid, such as the mortgage of a property, the income deriving from renting a house or pledging credit.

Among the most interesting loans without a guarantor addressed to housewives interested in changing their working life there are also subsidized loans. Thanks also to European funds are in fact published by the various Regions of the calls to promote female entrepreneurship. The solutions offered include non-repayable loans, but also interest-free loans or low interest loans. In order to access these loans it is necessary that the company that wants to be constituted is composed for at least 60% by women. In this case, presenting a detailed business plan including the eligible expenses specified in the call for proposals, it will be possible to realize your project. This is a unique opportunity for all housewives who want to change their lives.

Loans for Bad Payers: is it possible to receive them from banks and financial institutions?

Loans for Bad Payers: is it possible to receive them from banks and financial institutions?

The last category of clients for which it is good to elaborate on personal loans is that of bad payers. The lenders have no intention of lending money to unreliable customers. The goal of the banks and financial institutions is to maximize the gains from the loans provided, but it is also to minimize the risk of default. So it is impossible to access the desired credit for bad payers? Although often there are difficulties in the request, there are cases in which the desired amount can be obtained even in a rather short time.

Those who have no difficulty in obtaining a personal loan without a guarantor, even though they have been reported as a bad payer, are employees and pensioners. The guarantee of the salary or pension received allows the bank to pass on to any problems encountered in the past with the repayment of a loan received. The solution that will allow you to access the desired amount of money is that of the assignment of the fifth. This type of loan is characterized by the fact that the monthly repayment installments can not exceed one fifth of the salary or net pension received. This guarantees light installments, which will be directly deducted from the bank that provided us with the loan. All the major banks and financial companies offer their customers the possibility to choose the assignment of the fifth.

This type of financing not only allows bad payers to access the desired credit: once the reimbursement has been completed, the customer can be canceled from the “black list” of bad payers. As for this category of customers, the sale of the fifth is undoubtedly the most quoted solution. If you do not have a paycheck then you can resort to the presentation of a guarantor, which also in this case will allow us to obtain the desired financing despite our appointment as a bad payer. The guarantor must necessarily hold an income document and must not appear on the list of bad payers. Among the financing options that are often offered to bad payers are the loans that have been changed, which are often provided by private individuals. This solution is characterized by the fact that repayment installments are bills issued by the credit institution or by the private lender. The risk is that in case of failure to pay by the expiry date (specified on the bill itself) the private person can sue us before a judge and demand the attachment of assets.



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Payday loan consolidation: installment and estimate calculation http://www.happyvalentinesdayi.com/2019/02/23/payday-loan-consolidation-installment-and-estimate-calculation/ http://www.happyvalentinesdayi.com/2019/02/23/payday-loan-consolidation-installment-and-estimate-calculation/#respond Sat, 23 Feb 2019 14:55:05 +0000 http://www.happyvalentinesdayi.com/2019/02/23/payday-loan-consolidation-installment-and-estimate-calculation/


In the tight competition between companies offering personal loans, UriBank plays an extremely important role. So let’s see what the conditions that the company offers its customers, with a free estimate that can be requested both online and at one of the branches of the company. Finally, how to calculate the installment using the simulator available on the UriBank website.

Payday Loans: options and characteristics of loans

Payday Loans: options and characteristics of loans

If you are interested in requesting a personal loan, there are certainly opportunities and promotions that are studied every day by the various companies. One of the most convenient is UriBank, which offers excellent solutions both for mortgages for the purchase of a new home or for the renovation of a property owned as well as for personal loans, with the most disparate purposes. Regardless of the expense that we have to face, on the UriBank website we are presented many very interesting products, which allow you to receive in short time a sum that reaches up to 75,000 euros. Five solutions for personal loans are five, among which to choose based on our needs. Let’s see what are the main differences between the options studied by UriBank. Let’s analyze in detail the various personal loan options that we can access by contacting UriBank.

Credit Semper Light

Credit Semper Light is the personal loan of UriBank which has the characteristic of providing particularly light installments, as easily understood from the very name of the product. A big advantage of this type of financing is to have an interest rate that decreases over time. As reported on the website of UriBank, in particular the Tan set at the time of stipulation of the contract and equal to 7.90%, decreases starting from the third year of repayment, obviously only in the case in which there are no problems in payments. Every three years, therefore, the interest rate is reduced by 0.30%, therefore with a not insignificant saving. With Credit Semper Light it is possible to receive a sum of money ranging from € 3,000 to € 75,000, which can be repaid over a period of 36 months to 120 months.

Fixed Credit

If one of the features you are looking for for your loan is to have constant installments over the entire repayment term, then the solution offered by UriBank is for you Credit Fisso. The amount that can be requested in this case ranges from a minimum of 200 euros up to a maximum of 75,000 euros, with a duration between 12 months and 120 months. The interest rate will therefore be fixed and will be defined according to the duration chosen for repayment. A very useful service is that of ” Salto Rata “, which will allow you to skip the payment of a monthly installment every 24 months: the skipped installments will be queued, with the related interest, at the end of the repayment period.

Variable Credit

The third personal loan option offered by UriBank is the one that takes the name of Credit Variabile. The difference compared to the product just described is obviously in the expected interest rate. This solution is in fact aimed at all those who are interested in seizing opportunities from any profitable movements of the financial markets. In the event that market rate declines occur, with Credit Variabile di UriBank it will be possible to obtain savings on the total cost of the loan. Also in this case it is possible to use the ” Salto Rata ” service, which is very useful, for example, in the event that in a certain month you need to face an unexpected expense. There are no differences regarding the amount that can be requested, between € 200 and € 75,000, and the duration, which goes from 12 months to 120 months.

Credit Relax

Credit Relax represents the personal loan of UriBank offered exclusively to Social Institute pensioners. The type of financing offered by the company is the so-called transfer of the fifth of the pension, which you have probably already heard of. This is the best solution for all retired people looking for a sum of money to carry out any project. The main feature of Credit Relax is to provide for light installments, which can not exceed one fifth of the net pension received. This means that in any case the cost of the monthly payment will not excessively affect the budget available to you for the entire month. Considering that the duration of the loan ranges from a minimum of 24 months to a maximum of 120 months, the amount that can be requested will depend on the net pension received by the customer: by dividing this amount by 5 you get the maximum payment that can be set for reimbursement.

Another advantage of Credit Relax is the convenience of reimbursement, which will be carried out automatically by Social Institute. In addition, UriBank is part of the credit institutions affiliated with Social Institute, so pensioners can obtain an extremely advantageous economic treatment by choosing this solution. In particular, the interest rate will be fixed and will depend on the age of the applicant. For customers up to 59 years a 5.90% Tan is foreseen, for the age group between 60 and 64 years a Tan 7.10% is foreseen, from the 65 years to the 69 years a Tan 7 is expected, 80%, from the age of 70 to 74 years a Tan 8.50% is expected, from the age of 75 to the age of 79 a Tan 9.20% is expected, and finally, from the age of 80 to the age of 85, and a Tan 12.90 %. It should be noted that the bands listed above refer to the customer’s age at the end of the reimbursement.

Credit Fifth

The last UriBank personal loan option is the Credit Pamto. This type of financing is practically the same that we have just analyzed, with the difference that it refers to employees. So it is a transfer of the fifth of the salary. As seen in the previous paragraph, also in this case the amount that can be requested will depend on the net salary received and the duration chosen for the loan. The repayment plan can have a duration ranging from 24 months to 120 months, and the payment of installments will be made directly by the customer’s employer. As for the interest rate, this will be fixed and will depend on the type of worker making the request for funding. In particular, a 6.80% Tan is applied to employees of State Administrations or Public Bodies, while 9.90% Tan is applied to employees of Pre public Companies or Private Companies.

How to request a payday loan estimate from UriBank: online payment calculation


If you are undecided about which formula is best suited to your needs, then the best thing to do is undoubtedly to proceed with a request for a quote. You can do it for free through the company’s website, registering and accessing the customer area. To make the calculation of the monthly repayment installment that you will have to face, what you will have to do will be to first choose the product, among those described above, to which you are interested.

The additional data that you will have to enter in order to simulate your loan will be the purpose of the loan, the desired amount and the duration in which to make the repayment. If you are not yet a UriBank customer, do not worry: you can request an estimate from a bank branch, by making an appointment via the website on the date and at the time you prefer, using the dedicated chat.

Let’s now look at an example of the differences between the different products available. We simulate the request for a loan for an amount of 13,000 euros, to be repaid in 120 months. By choosing the fixed rate option, the repayment installment will be 175.39 euros, with a Tan of 10.49% and a Taeg of 11.50%. With Variable Credit the Tan will be determined by the Euribor: at present a Tan of 8% and a Taeg of 8,76% are expected, which determine an installment of 157,76 euros. Finally, with the Always Light solution, the installment is the lightest (157.07 euros), with a Tan of 7.90% and a Taeg of 8.37%.



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60,000 Loan for 10 Years Cash and Consolidation Review of Loans http://www.happyvalentinesdayi.com/2018/12/31/60000-loan-for-10-years-cash-and-consolidation-review-of-loans/ http://www.happyvalentinesdayi.com/2018/12/31/60000-loan-for-10-years-cash-and-consolidation-review-of-loans/#respond Mon, 31 Dec 2018 17:18:39 +0000 http://www.happyvalentinesdayi.com/2018/12/31/60000-loan-for-10-years-cash-and-consolidation-review-of-loans/

60,000 loan for 10 years: cash for any purpose or consolidation. Review of banks, credits and loans for a specific loan purpose. With the selected bank you will be contacted quickly by filling out a short contact form.

Regardless of whether we want to borrow €6,000,  €60,000, we still have to have a sufficiently high creditworthiness. To check this, it is best to contact the bank that will calculate it.

Not everyone has a loan offer with such a long lending period. Usually, the maximum loan period for loans and cash loans is 6-8 years. However, there are several loan proposals for up to 10 years.

60,000 loan for 10 years. Cash

60,000 loan for 10 years. Cash

The financial comparison engine is not a complex tool and helps in estimating the amount of the loan installment. Just enter the appropriate parameters of the loan you are looking for and we will get a list of banks – in this case it is a cash loan of 60,000 for 10 years.

One should only pay attention to the fact that the loan comparison engine is not a tool to look for the cheapest loan or credit and loan ranking. Her task is to help you get acquainted with the banks’ offer and performs the function of loan installments simulator. Knowing how much the loan installment will be approximately, we can check whether we will be able to repay it safely, and we will contact a bank representative regarding the proposal.

60,000 loan for 10 years. consolidation

And what about consolidation loans? When consolidation is a good solution? In case if we want to improve creditworthiness, regain financial liquidity or pay one installment instead of a few each month.

In addition, the consolidation loan allows for a significant reduction of the loan installment by extending the repayment period. It can be up to 20% less than the sum of installments we paid before consolidation.

Consolidation also means the possibility of obtaining additional cash under the loan.

Depending on what is subject to consolidation, we have two types of consolidation to choose from. The most popular are cash consolidation loans. They allow you to consolidate debt with loans and cash loans, credit cards or other cash consolidation loans.

The second type of consolidation is mortgage consolidation loans. At that time, one of the loans to be consolidated is a mortgage (housing loan) or the mortgage is secured by real estate mortgage.

As you can see, the choice of credit options is quite large. Above are two of the most popular loans for 60,000 for 10 years. In addition, you can also distinguish car loans and mortgage loans.

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