Loan Application 2019-Bank Loan Offer

Loan Application 2019-Bank Loan Offer

White goods, television, kitchenware and many other technological products, as you know, cannot be obtained from any technology market by credit card installments. In this context, many technology stores, which are on their way to finding alternatives, are able to offer loans in agreement with banks.

For example, Good Finance loans offered in cooperation with Good Bank and technology markets. By using Good Finance credit, you can buy products of your choice from Good Lender stores with very low interest rates and high maturity options, and then make your loan payments directly to the bank. In this article, you will find almost everything about Good Finance loan.

Loan offered by Bank offers

cash

The Good Finance loan offered by Bank offers the following features for all its customers.

  • Among the contracted stores that will increase in the future, only Good Lender is currently available and you can use this credit in any of the Good Lender stores.
  • Good Finance credit is used in the store quickly, you do not need to go to any branch.
  • Wide payment options and low interest rates are available in Good Lender stores with Good Finance.
  • With this credit, you can purchase technological tools in installments.
  • The Good Finance loan product, which is offered with installments up to 36 months, has a fixed interest rate.

Is Good Finance Loan Interest Rates and Calculation

cash

The interest rate of Good Finance loan product, which can be used by Good Lender in Good Lender stores, is displayed as 1.15%. While this interest rate is quite good compared to other banks, the interest rate does not increase in any way as the amount increases. You can use this credit product up to 36 months, the following cost items can be added to your credit debt.

  • BSMV and KKDF expenses.
  • Credit allocation fee.
  • File costs.

When the above cost items are evaluated; By adding these expense items to your main indexed debt, it is possible to find the main debt to be paid to Good Lender. Thanks to Good Finance’s credit product, you can exchange technological tools up to a maximum of TL 7500 and pay for up to 36 months.

Good Finance Required Documents and Conditions for Loan Application

cash

If you want to use the credit Good Finance Turkey Isbank not present any documents requested by you. You may only need to have your identity card with you while you are in the store, in order to enter the requested credentials.

In addition, the bank does not request income documents and similar things from you, at the same time without having to go to the branch you can allocate the loan on the phone. In this context, let’s remind you that your credit rating is important.

Good Finance Loan Application How?

Good Finance Loan Application How?

Good Finance loan applications can be made via SMS or over the phone. In the following, we have tried to elaborate on both channels of application.

  • Application via SMS: Good Lender said, “CASH” leave a space, type your ID number immediately after 4402 ‘If you throw to SMS, which will come by your answer within 1 hour. If your credit is approved within this 1 hour period, an account is automatically opened on your behalf at Good Lender and the balance is transferred directly.

 

What should you pay attention to when receiving a general purpose loan?

What should you pay attention to when receiving a general purpose loan?

Credit refers to the payment of a certain amount of purchase price to a natural or legal person for a period of time, for a price such as interest. So borrowed money or goods as the term has meaning. When banks give credit, they create different criteria; identify different areas of use of these loans and offer different loan opportunities. The general purpose loan is one of them.

Sub-types such as education loans and holiday loans are also among the types of loans covered by general-purpose loans. The rules regarding retail loans have been determined by the Banking Regulation and Supervision Agency and should be used within the framework of these rules. It is useful to know and understand these rules and to use them wisely while taking credit. Choosing the right type of consumer credit is one of the main issues that should be considered before attracting a general-purpose loan.

 

What is the benefit of determining the type of consumer loan you will receive?

loan

 

If you are thinking of making wedding loans, medical loans for medical expenses, non-credit good for your holiday vacation plans, you can benefit from the training withdrawals for education loans if necessary. Although it is not mandatory to determine the type of credit, you can follow the banks’ low-interest special campaigns and find a plan that suits your needs with lower interest rates.

 

Remember to take into account the interest rates when choosing the Loan Term!

cheap Loan

Since the number of maturity of the loan taken will directly affect the interest rate to be paid back, it is always useful to make detailed calculations when determining the maturity period. This means that when you pay the personal loan in 12 months, a lower-priced interest rate is applied then you have to pay in 24 months. Therefore, using your short-term credit is more profitable if you are hit by the total money account if your financial power allows.

 

Visit different banks and compare credits.

Visit different banks and compare credits.

Although each bank is perceived as lending at the same interest rate, each bank will have period credit campaigns and apply certain cuts in interest rates for competition. In order to take advantage of the interest rate reduction opportunities of the banks , it is often possible to check the websites of the banks and spend some time with an account.

 

Take into account the file charges for credit transactions.

Take into account the file charges for credit transactions.

If you have chosen the options that are appropriate for you after comparing loan interest rates, you should also consider the credit allocation fees that will directly affect the total money out of your pocket. Since banks will usually reflect file costs and credit-related insurance to your payment plan with the credit you have drawn, do not forget to see the total cost to you in all aspects.

Can I determine who will inherit my money?

Can I determine who will inherit my money?

Can I identify a person who, after my death, inherits my investment?

Can I tell what part of the property falls to the wife and to the children?

Here’s how to share your family’s security

money

Unfortunately, we do not live in an ideal world and family relationships can be very complicated. Many marriages end in divorce and many partners are not even taken. There is also a large LGBT group in Slovakia, which would also like to deal with the disposal of their property after death.

Many of our clients dispute children and want to be sure that if they die, the saved property will remain children. So what are your options? What can you do to be more confident about how to deal with your property after your death?

Basic information on inheritance proceedings and the right of disposal was dealt with in the first part of the legal advice series on investments.

Determine the heir of the investment by wills

Determine the heir of the investment by wills

Many clients would like to determine who and how much they inherit from their property. The Civil Code stipulates in §476 to §480 the possibility of succession. Inheritance from “wills” even takes precedence over so-called. “Legal” inheritance.

However, this form of division of estate also has its rules, which must be followed and you cannot exclude some persons from the succession. Such persons are so-called. “Infallible heirs” our children (direct descendants). An unquestionable heir has a “protected” inheritance right by law, which we cannot completely exclude even in the legacy of succession.

You can also write wills without the participation of a notary or. lawyers, most likely wills are written by the canon with their own hand. However, we do not recommend this option to you because of the strict formal nature of such a document as determined by our law. In the event that a will does not contain all the formal conditions laid down by law, such an act would not be taken into account in the context of the succession.

Therefore, it is best to reach out to those who are familiar with the issue, notaries or lawyers. George Smiley recommends writing a will by notarial deed at your chosen notarial office to avoid any complications in the inheritance proceedings.

The notary will explain the matter to you, will make a will and register it in the so-called. The Central Register of Wills, which leads the Notarial Chamber for the purposes of inheritance. It should also be borne in mind that partners have to write their wills separately because our legal order does not recognize the will of several people together.

By will, you can rely on someone your entire property, or just part of it, while the rest will be subject to legal inheritance.

If you have an investment in George Smiley, you can only make a legatee to this part of your property, respectively. you can also identify more persons who would inherit such property. For example, clients who have multiple accounts can refer each account to another person.

Example: Petra has four accounts in George Smiley. In one account, he saves on retirement, saves each of his two children separately and has one account as a financial reserve. In a will, he may determine that a pension savings account refers to a partner, the child accounts for each of their children, and the financial reserve will be subject to inheritance.

Can I take my children out?

Can I take my children out?

The Civil Code in 469a allows your descendants to inherit, but only if one of the following four conditions is met:

  1. contrary to good manners did not provide the warden with necessary assistance in illness, old age or other serious cases
  2. the persecutor does not permanently show a genuine interest as a descendant,
  3. has been sentenced to an intentional crime for a term of imprisonment of at least one year,
  4. it permanently leads a disorderly life.

However, you need to write a deed of such a step. For a formal deed of deduction, the same applies to a will. Unlike the will, however, you must also state the reasons for the exile in the deed. You can also indicate in the charter whether the offspring applies only to your offspring or to his children and their other descendants.

Finally, good news. For several years, there has been talking of extensive recodification of the Civil Code. Such a recast should reintroduce old-new institutes in the framework of inheritance, such as the “Donation for death” or “inheritance agreement for life”. It is precisely these new inheritance institutes that would make it easier for many people to find their inheritance for the benefit of selected heirs.

10 Home Loan Tips

10 Home Loan Tips

Obtaining loans for housing is a difficult and complicated process. When it comes to banks, many concepts are difficult to understand. These concepts are an important part of your loan repayment plan. However, remember that there are some questions you should ask yourself, not just the banks, when looking for housing loans.

If you are looking for housing loan advice, by reading this article you will have designed everything you need to ask yourself and your bank.

Calculate Approximate Credits

Calculate Approximate Credits

If you call home without performing a budget analysis, then you may be disappointed. You can calculate how much credit you can get from the bank by considering the salary you have earned. The maximum amount of credit that the bank will give you may occur with monthly payments equal to half of your salary. You can calculate the total credit amount based on your preferred refund period. For example, if your income is 5000TL per month, the maximum monthly payment of the loan will be around 2500TL.

Evaluate the Budget you can allocate to Credit and Prepare Payment Plan

Payment Plan

Remember that when you make loan payments, there will be household expenses and other daily expenses. Connecting a significant portion of your income to a credit installment may have undesirable consequences in the long run. When determining the amount of credit you will receive, take into consideration all your expenses and determine the appropriate amount for your long-term repayments.

 

Learn Your Credit Rating

Credit Rating

It is a good idea to learn your credit rating before applying for a housing loan. Banks with low credit ratings are less likely to issue loans. Therefore, if you are considering obtaining a housing loan, you can try to increase your credit rating for 6 months or 1 year. This will increase the likelihood of a positive outcome of your application.

 

Evaluate the Number of People Working at Home

The number of people working at home will determine your repayment of the housing loan. If two or more salaries are entered into the house, you will be more likely to get out of the loan and make repayments easier.

 

Consider Monthly Savings in Credit Period

Consider Monthly Savings in Credit Period

When planning your budget, remember to save a certain portion of your salary for savings. For your urgent and unexpected needs, this kind of accumulation will be your lifeline. You may also need to allocate some money for healthcare expenses.

 

Evaluate Different Banks for Home Loan

Evaluate Different Banks for Home Loan

Take your time and take advantage of the options of all banks. You can choose your bank by considering conditions such as interest rate, expense package, and then ease of payment. Generally, applying for a loan from the bank from which you receive your salary can help you to benefit from discounts or campaigns.

 

See Loan Term Options

See Loan Term Options

The maturity options offered by banks can be confusing. The longer the term, the higher the amount you will pay back. So if you get a 10-year repayment mortgage, you pay more to the bank than a 5-year repayment mortgage. Therefore, very long terms may not be advantageous in terms of the amount paid back. Consider this when you plan.

 

Price Survey in Credit Life Insurance

Price Survey in Credit Life Insurance

Make sure you get the best price on the credit life insurance included in the expense package that banks offer. Since you do not have to take out credit life insurance from the bank, you can reduce your expenses with a different life insurance offer, especially in housing loans.  

Review Reconfiguration Options

Some banks offer restructuring options for housing loans. This option is used if there is an unwanted unemployment situation and credit payments fail. If you wish to apply for a loan with any adverse circumstances in mind, consider banks that have the option of restructuring. With the restructuring, you can create a new payment plan for the amount remaining until the debt you have already paid without any loss.

Plan B

You should always make a Plan B when you receive a mortgage. In case of illness or short unemployment, you should not interrupt your payments. It is therefore important that you develop an alternative payment plan for yourself.

The 7 tips to take care of money

The 7 tips to take care of money

Has it happened to you that you change a ticket and you don’t know when you finished it? That’s why we give you some tips to take care of money. In matters of personal finance, there are several areas of opportunity to make our money yield. One of the most important is to take care of the small expenses we make every day.

7 tips to take care of money.

 7 tips to take care of money.

1. Super List

 1. Super List

Never go shopping super hungry because you’re going to crave everything you see and of course you’ll want to buy it. It is advisable to make a list and stick to it once you are in the establishment to avoid falling into unnecessary expenses.

Try to be accompanied. For example, your partner may be more measured than you at the time of spending or vice versa; that helps you put a “brake” on when you want to match compulsive shopping.

2. Recycle at home

 2. Recycle at home

If you require printing at home, before using new paper, evaluate how necessary printing is. It is possible that by writing down the data somewhere it is not necessary for you to print; but if you still have to do it, analyze if it is essential that you do it in new sheets. To do this, always have recycled sheets on hand that you can use for these cases.

The same with notebooks that you no longer use but have enough useful sheets. Don’t throw it away, you can still take advantage of them.

3. Energy saving

Buy saving lights for your home. While they are a bit more expensive than normal, they will ultimately generate greater benefits. Also, get used to always turn off the lights you are not using, which will prevent you from paying high electricity bills.

4. Transportation savings

In this segment there are many ways to save. For example, if you visit the Historic Center of Mexico City, it is convenient to travel by public transport, since in addition to avoiding traffic in the area, you will not pay the excessive cost of parking in the area.

For nearby transfers, also use other means such as cycling or walking, you will not only save gas but also exercise.

5. Morning coffee

If you are one of those who go to a coffee shop every morning to buy your hot drink because you need the caffeine to “wake up,” consider buying a coffee maker and getting up 10 minutes earlier to prepare the coffee yourself. Make accounts and you will see how much you can save per month or even per year.

6. The “comes, comes”

One of the expenses in which the change of a ticket goes without realizing it is in the tips and in giving the one of the “comes, comes”. If you are a person who frequently uses this service, do accounts and within your budget consider giving 2 or 3 pesos a day; On the contrary, if you use it 5 times a day and each time you give 5 pesos, imagine how much you spend per month!

7. Cravings

If you are one of those who work in an office or near a convenience store and often go out, limit your purchase of potatoes, soda, corner tacos, jelly and all those products that in addition to not helping you Create healthy eating habits, they represent a serious impact for your economy.

It is best to discipline yourself about what meals you make out of home and budget how much you will pay for them to stay within this control and avoid leaks to your capital.

Which prepaid credit card can I use best

Which prepaid credit card can I use best

The prepaid credit card has become very popular in a very short time, whereas in other countries it has been customary for many years to pay with prepaid credit cards and order online, it only came to the attention of the general public in the Netherlands late.

But which prepaid credit card can I use best and perhaps most importantly, which is the cheapest to purchase and use, but also, what can and can’t you participate. Below an overview of the most important features of the prepaid credit card.

Which prepaid credit card can I use best?

Which prepaid credit card can I use best?

Which card is best for you depends on what you want to do with it, do you shop online with it, do you use it in stores and perhaps also for hotels and renting a car. With most prepaid credit cards you can also get money from an ATM, but that is not always cheap, although there is now a new provider that offers this for only 1.50 per transaction. I have that cheap elsewhere.

On the other hand, providers that are more expensive have more options, such as transferring money to pay bills and more flexible methods of depositing money. Some cards have their own bank account.

Prepaid credit card with a gift

Prepaid credit card with a gift

From now on, a prepaid credit card can also be obtained from Mastercard itself, if you order it, you will receive no less than 5 euros for your first deposit from 15 euros. Other providers unfortunately do not offer nice welcome gifts, but offer more options with the card.

Mastercard prepaid credit card

Mastercard prepaid credit card

The facts of the prepaid Mastercard:
Free 180 day purchase insurance
Free additional travel insurance
No credit check
Free App for Android or Apple
No limit
Fraud prevention, internet and delivery guarantee
Annual costs: 14.95

As you can see, this prepaid credit card is not expensive to buy and has, in addition to the welcome gift, other notable plus points such as the 180-day purchase insurance. With this card you are assured of a good and reliable card with a help desk that can be reached 24 hours a day.

Costs for use

Costs for use

With this Mastercard card you pay for cash withdrawals at the machine 1% of your withdrawal with a maximum of 1.50, depositing money on the card costs 0.95 and transferring money to your own account also costs 95 cents. If you pay online or in a store, you pay no costs at all.

What does a divorce cost

What does a divorce cost

Almost everyone knows that divorce is not free, but many people cannot tell you how expensive it is. When you are about to divorce, the question often comes up: “What does divorce cost today?”. We will discuss this in more detail in this text. First of all you must of course pay the lawyer for his or her services, these usually require between 150 and 200 euros per hour. The more complicated the divorce, the more expensive the lawyer becomes, since the lawyer has to invest more hours in it.

What does a divorce cost?

What does a divorce cost?

You can always try to negotiate the hourly rate or agree on a price in advance. If you agree a price in advance it is usually around 2500 euros and you are often cheaper than paying the lawyer per hour. The next cost item is the registry fee. If you are engaged in divorce, you naturally also want the divorce to become legally valid, so you have to go to court. The court fee that you have to pay ensures that you can go to court and that it will also pronounce the divorce. But with these two costs you are still not there, you also have to hire a bailiff who puts your partner at the highest level of your desire to divorce. The activities of the bailiff consist of drafting and issuing a bailiff’s writ. Other costs that may also come around are notary and accountant costs, but this is not necessary and is entirely up to you and your partner.

Divorce seems priceless

What does a divorce cost?

Nothing is so bad as having to stay together because the divorce seems to be unaffordable. To prevent this, the government has provided so-called legal assistance, also known as addition. Everyone who divorces automatically applies for this and is often granted provisional legal aid. Only afterwards it often becomes clear whether you were also entitled to this addition and you will be told how much you owe the government. If you are entitled to legal assistance, only a large part of the lawyer’s costs will be reimbursed. You must pay the court fee and the bailiff from your own pocket. A possible divorce agreement must also be paid out of pocket.

Limiting the costs

To ensure that the divorce process costs less, you can opt to jointly hire a lawyer who represents both interests. It is of course important that you can go through one door with each other, since you then arrange the divorce together. Another way to reduce attorney fees is by using it as little as possible and arranging as much as possible yourself. Try to prepare as well as possible during every visit to the lawyer, so that you understand and arrange everything faster. Even if you have a joint mortgage, this can also be viewed immediately.

Do as much as possible together with your partner

Do as much as possible together with your partner

In short, divorce is certainly not free and there are a lot of costs involved. A number of examples of costs that you have to count on are the costs for the lawyer, bailiff and court fees. Despite that, you can try to appeal to your lawyer as little as possible by arranging as much as possible together with your partner. You can also choose to hire a joint lawyer together with your partner. If the divorce seems unaffordable, you can apply for the legal aid subsidy. The government will then pay a large part of your attorney’s fees, making divorce affordable again. So you don’t have to worry that you have to stay married forever if you are not wealthy and cannot afford the divorce.

Borrow money with an annual contract

Borrow money with an annual contract

 

Borrowing money with an annual contract is certainly possible if you meet the set conditions. Naturally, other factors that may play a role in applying for a loan are also considered. I will try to explain what the conditions are so that you can view and compare what could be the best solution for taking out a loan.

How much do you want to borrow and what are you going to use it for, do you opt for a long-term loan or would you rather get rid of it quickly. There are various calculation modules where you can see exactly how much you can borrow with your income.

Borrow money with an annual contract

debt

 

There are different forms of credit that you can also apply for with an annual contract. If you opt for additional spending room to absorb any setbacks, you can opt for a revolving credit, which you can request from 5,000 euros.

Are you going to buy something expensive such as a car, a caravan, camper or are you going to rebuild your house and do you need the money in one go, then choose a personal loan. Thirdly, you can borrow a small amount in the form of a mini loan, this way you can quickly borrow an amount up to a maximum of 1500 euros, in which case it is no objection that you have an annual contract anyway.

Which conditions must I meet

Which conditions must I meet

 

It is important for the lender to find out whether you will be employed on a permanent basis after the expiry of the annual contract, therefore a letter of intent is usually requested from the current employer where this indicates that you can become a permanent employee after this period, the same applies to borrowing money as a temporary worker.

For example, it can be determined whether you can still pay off the loan in a normal way after one year, this is of course also important for yourself, because after that year you do not want to get into trouble because you can no longer pay off your loan .

What else is being looked at

What else is being looked at

 

Borrowing money with an annual contract, a number of factors are considered that determine whether or not your application is approved. Do you live in a rental house or do you have a house for sale, do you live together or do you have other loans? If so, then you can probably skip it immediately.

It is also important that you do not have a BKR backlog, or a negative BKR, if you do have the latter then you can only go for a mini loan. This way you can see that there are many factors that determine whether you meet the conditions of a revolving credit or personal loan.