Fast Payday Loans Bad Credit -Justpensions.Org http://justpensions.org/ Fri, 13 Dec 2019 00:23:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 How do you opt out of your credit card? We advise! http://justpensions.org/how-do-you-opt-out-of-your-credit-card-we-advise/ Fri, 13 Dec 2019 00:23:02 +0000 http://www.justpensions.org/how-do-you-opt-out-of-your-credit-card-we-advise/
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A credit card is often an excellent financial aid, a privilege, or the result of a hasty and ill-considered decision. Growing popularity is the result of the activities of banks that offer us countless cards. Their presence is often associated with convenience, and many contracts are extended automatically. Simply put – the card allows us to use funds that we do not have physically and actually on our account. The amount that we can mobilize is set by the bank, and the only obligation that will be imposed on us is to pay back the accrued debt.

A seemingly simple task often causes financial problems as well as a spiral of debts. It is through them that we usually look for a way to opt out of a credit card. Bearing in mind such situations, we suggest and advise how to do it.

 

Debt repayment period

Debt repayment

However, before we get to the point, let us clarify the most important information that tells us and imposes a period of debt repayment. Usually it is 20 to 30 days after receiving the statement, which includes transfers from the previous month. Remember that before you cancel your card you must pay all outstanding payments. Cancellation of the service does not entitle you to non-payment.

 

How do you opt out of your credit card?

How do you opt out of your credit card?

The card may be canceled two weeks after it was issued for the first time. Her resignation can take place in several ways, which is why we have considered two possible situations:

  1. Termination of a credit card during an ongoing contract
    This is the act of realizing quite quickly. After the debit is properly settled, the notice period is usually no more than one month.
  2. Credit card extension application – As the name implies – the application is submitted when we do not want the card to be extended for another period. We use it to the end of the card’s expiry date, which we can check or know when signing the contract.

Remember! Submit the application before the expiry of the card you want to cancel – otherwise the bank will extend it automatically.

How to do it Complete the form available on the website or complete a written statement that will include: name, surname, PESEL. Many institutions also require personal appearance in the company’s headquarters, along with relevant documents.

Note – Some banks allow you to cancel your card using the internet. This is done by sending papers to an available and top-down address. Cancellation conditions can be selected individually, depending on the bank that offered us such a card. For this purpose, it is recommended to call the helpline to find out exactly about the possibilities and ongoing processes.

 

Withdrawing from the card – you must know that

Withdrawing from the card - you must know that

When summarizing and clarifying the most important information regarding the cancellation of a card, remember that:

  • by resigning from the card you must cut the card along the magnetic strip (and then send it back to the bank)
  • You can cancel the card after 14 days of receiving the card, provided that you have not made any transactions so far (the bank gives you the costs incurred, any fees, but the issuer may charge you the costs associated with issuing the card)
  • if you have made a transaction you must first repay the debit within no more than 30 days of your withdrawal request
  • the bank is required to provide you with a document (or sample) of a cancellation statement
  • you must complete the contract correctly before obtaining the card
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Bad credit no teletrack payday loans -Bad credit payday loans com: find out more http://justpensions.org/bad-credit-no-teletrack-payday-loans-bad-credit-payday-loans-com-find-out-more/ http://justpensions.org/bad-credit-no-teletrack-payday-loans-bad-credit-payday-loans-com-find-out-more/#respond Mon, 02 Dec 2019 06:14:31 +0000 http://www.justpensions.org/bad-credit-no-teletrack-payday-loans-bad-credit-payday-loans-com-find-out-more/
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The slogan is very often used in advertisements for posters or on billboards, but we don’t always know what the so-called payday word really means, despite the fact that the term is very popular. We know, however, that it is associated with a loan taken for a short time as the name suggests.

Bad credit payday loans com: find out more

As it turns out, payday loans are a great solution for people who don’t have any income or can’t show it and need cash right away. These types of loans have become very popular recently and are being used by more and more people. In other words, payday loans are loans granted to people who have a very high income or no income at all, because of this instant loans are massively spreading among Poles.

Their popularity is mainly due to mass advertisements that offer us this type of loan. Very often, advertisements show that these offers are very attractive and beneficial, and therefore it is worth using them. The reality, however, is a bit more brutal, because so-called payday loans are very expensive and their late payment can bring us painful consequences.

Good Finance you are able to meet your small and larger needs

Loans or so-called payday loans are often hidden under other, perhaps less popular, slogans, e.g. loan without a loan, payday loan 0%, loan in 5 minutes without obligations, cheap loans or a loan for everyone. Such slogans always bring us to one, i.e. to the popular payday loan.

If we are convinced by TV commercials and we decide to take the so-called payday loan, we must take into account that it is a loan with a very high-interest rate, even up to 30%, so if we decide to do it, let’s make sure it is taken in the bank.

Documents necessary to take out payday loans

As the name suggests, these loans are loans taken for a while, which is why the whole procedure is much more simplified than in the case of other loans, e.g. cash loans. Nevertheless, to take such a loan, of course, we will need an ID card and a second document confirming our identity.

The next necessary document will be a bank statement from the last month. Then you will also need a certificate from the workplace about your earnings or, in the case of pensioners, the decision to grant a disability pension, as well as the last pension or retirement pension slip. If we collect these documents, we can apply for a loan.

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Borrowing money without a credit check – Best Loan http://justpensions.org/borrowing-money-without-a-credit-check-best-loan/ http://justpensions.org/borrowing-money-without-a-credit-check-best-loan/#respond Thu, 21 Nov 2019 20:54:28 +0000 http://www.justpensions.org/borrowing-money-without-a-credit-check-best-loan/
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Borrow money without a credit check at UC so you get money today for what you need. We list several loans without UC so you can easily choose the best loan for you.

You can easily borrow money without a credit check from UC via Good Finance already today so your credit rating doesn’t hurt. We list several lenders that do not use UC when applying for loan money. When you borrow money without a credit check at UC, a credit report occurs, just not at UC.

There are several information companies in Sweden lenders can use. However, if you are looking for a lender where you can borrow money without credit check altogether you will find it more difficult. What we know about Good Finance there are no lenders in the Swedish loan market that offer you to borrow money without credit check.

A credit report should always be provided when you apply for loan

If you can borrow money without a credit check from a lender there is something strange going on.

Do you want to borrow money without credit check is an option to borrow through any family member or friend. It does not matter if you are borrowing 500 or borrowing 50000 there must always be information when you borrow money through a loan institution. If you need to borrow money quickly without UC, we have several options for you. We can also help you if you need a loan without UC with many inquiries. Apply to borrow up to USD 50,000 when you borrow money without credit check at UC via Good Finance. We also list lenders you can apply for a loan with a payment note. We have guaranteed a loan option for you, we will help you find a lender you can borrow money from. You will find several sms loans without UC with payment note on Good Finance

If you could borrow money without a credit check it would be strange. A credit report is just to make it easier to see for banks and lenders whether you can borrow money or not. If you would like more information about what a credit report actually is, you can click here. There you can also get answers to questions about payment remarks and how they affect you.

Borrow money without credit check at UC via Good Finance so you don’t have to get more rebates when you apply to borrow money. Borrow money for what you need. Choose the amount you want to borrow. It is important that you choose a maturity on the loan that you feel comfortable with. If you are unsure, always choose a longer term. If you use your bankID when applying, you will receive a response directly from the lender. We list several loans without UC with bankID get you who want to apply for a loan quickly and easily online. Borrow money using your computer, tablet or mobile.

Loans without UC

Loan without UC if you need to borrow money without UC being taken into consideration when applying. On quick cash you will find several lenders using other credit reporting companies. We list the best alternatives for those who want to apply to borrow money without a credit check at UC.

Apply for a loan without UC because you want to keep increase your credit rating. Every time you apply for a loan, it is recorded on your credit report. If you apply to borrow money without a credit check from UC, several sms loans and fast loans use these credit reporting companies to obtain credit information. Compare loans without UC at Good Finance

Just if you borrow money without credit check at UC for the right reason, we will be more than happy to help you at Good Finance. Compare various lenders that offer loans without UC so you choose the best loan before. Most banks and lenders where you can apply for a private loan use UC to credit information. UC, which is an abbreviation of the information center, is Sweden’s largest credit information company.

Borrowing money without UC

Borrowing money without UC from Good Finance, we list the best and cheapest lenders for you who want to borrow money without credit check at UC. Borrow money without UC control so you get money a supplement at checkout. We ask no questions about what to do with the loan when you borrow money without a credit check at UC.

It is up to you. Borrowing money r without UC to do something fun. You will find several lenders that offer you to borrow money without a credit check at UC. You can borrow as much as USD 30000 when you are going to borrow money without credit check through Good Finance. You apply quickly and easily on the internet and get answers directly to your application. If you get your loan granted, you can have the money paid off the same day.

Every time you borrow money, you should also think about your credit rating. Your credit rating is affected every time you apply for a loan or credit. It doesn’t matter if you get the loan rejected. Every application you make with a lender using UC will save it for 1 year in the future. It’s a shame every time on your credit report for 1 year. When you borrow money without a credit check from UC, no credit information is also taken from UC.

Should you go to the bank for a larger loan in the near future and need a loan right now, it can be smart to borrow money without a credit check from UC. It will not appear when you apply for the larger loan unless the lender uses UC. It increases your chances of getting the larger loan granted. Loan money without credit check taken at UC.

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Make money trading in stocks, currencies and commodities | Borrowing money online http://justpensions.org/make-money-trading-in-stocks-currencies-and-commodities-borrowing-money-online/ http://justpensions.org/make-money-trading-in-stocks-currencies-and-commodities-borrowing-money-online/#respond Sat, 02 Nov 2019 19:45:16 +0000 http://www.justpensions.org/make-money-trading-in-stocks-currencies-and-commodities-borrowing-money-online/
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The best tip for a healthier private economy, is rarely to save it is to improve the existing economy by increasing incomes. There are several options for those who want to make more money, some more realistic than others.

Working a larger number of hours is an opportunity that works for a while, but in the long run this is not a viable option. More realistic then is to find a lucrative extra income in addition to ordinary income.

Currency trading and other forms of speculative trading

In the years before the financial crisis in 2008, many people began to discover that it was also possible for private individuals to make money relatively easily on equities, currency trading and other forms of speculative trading.

But once the crisis struck, many of the small savers fled these markets when they felt that the private economy was threatened. The truth is that there are still great opportunities to make money in these markets and because of the lack of speculators, the conditions are even better today than in the past.

Share trading

Several experts agree that the stock exchange is located and has been in regression for a long time. This means that many shares are severely depressed and undervalued. This is because the world economy has not yet recovered from the 2008 economic crisis, and there is also a risk of further global financial setbacks. Greece, Spain and Italy are countries that are expected to be financially tough for a number of years to come.

All in all, one can say that the world economy seems to face a bleak future. The reaction to this is that many people stop investing in shares and instead choose to buy housing or save the money in a regular account. To many do this way is not very strange, you do it for fear. However, history shows that there are good reasons to invest heavily in tough times instead of holding back. When the business cycle turns around, there are very good prospects of making good profits on the shares bought in times of crisis. If you are interested in trading in shares, it is important to choose a good stock repository. While many of the big banks give you the opportunity to buy shares, it is usually much cheaper for small savings savers to use Nordnet or Avanza share repositories to make share purchases.

A good get-started guide is Swedbank’s stock school, where you can learn the basics of stock trading.

FOREIGN EXCHANGE

Trading in currency is a lucrative business that can yield good returns regardless of how the world economy looks. But in order to be successful as a currency trader, it is extremely important to move slowly. If you are interested in trying this out, eToro – Forex Trading offers a great training package for the beginner.

commodities

Oil, gold and other commodities are distinct from all other investments on earth, a lasting value. This means that the price of gold and oil, for example, cannot fall as much as any, even if an economic system collapses. Trading in commodities is thus a safer and more predictable alternative to investing in securities, where the market controls the value in a completely different way.

Of course, supply and demand also affect the price of raw materials, but since there is only a limited supply of these substances, most people are convinced that most types of raw materials will increase in value in the future.

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Payday loans -Our simple payday loans online application process takes 3 mins http://justpensions.org/payday-loans-our-simple-payday-loans-online-application-process-takes-3-mins/ http://justpensions.org/payday-loans-our-simple-payday-loans-online-application-process-takes-3-mins/#respond Wed, 30 Oct 2019 16:28:16 +0000 http://www.justpensions.org/payday-loans-our-simple-payday-loans-online-application-process-takes-3-mins/
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An advantageous online loan on the internet that allows you to borrow cheaply, quickly and conveniently right now. The first internet loan is free, no collateral and the like, because in this case speed, convenience and value for money are the key. Take your internet loan today and you will only have to repay the amount you have borrowed.

Our simple payday loans online application process takes just 3 mins

A fast online payday loan is issued in about 10 to 20 minutes. These loans are issued from 18 to 75 years. Sign up at our site and apply for a simple payday loan online with us.

Fast Internet Credit

money

If you only have a few days left until your next paycheck and you have no money left in your wallet, but you need cash now, then fast credit can be a useful short-term assistant. If you suddenly have some unexpected expenses but don’t have time to wait for your next income, one of the rescues may be fast internet credit for free. If you do not have overdue loan payments, you are not in debt registers and you do not intend to cover long-term loans with fast loans then internet credit is probably suitable for you. Every internet borrower will know better when to take or not to take out fast credit online.

Fast credit online allows you to buy a purchase, service or something right now, but pay later. In this case, you will not have to pay extra for such a purchase and service as the first loan is interest free. If you need 100 Eur then applying for online loan 100 Eur you will have to return the same 100 Eur at the end of the term. If you need 80 Eur then applying for a loan online 80 Eur you will have to return the same 80 Eur at the end of the term. If you need 130 Eur then applying for online loan 130 Eur you will have to return the same 130 Eur at the end of the term and the like.

How to Repay Your Internet Credit

money

Repay your internet credit immediately or defer your credit. You can repay your internet loan in a convenient way – at internet bank, bank, post office, narvesen kiosk and elsewhere. If you can’t repay your internet credit within the deadline, it’s easy to delay repayment. This allows you to extend your internet loan repayment term. This can be done both the first time, the second and the third time. The key is not to break the terms of the contract, in case of uncertainties and other problems, contact the company to find a solution.

Borrow internet credit responsibly

Get money the fastest – on the internet, because fast internet credits can process your application and deliver money at incredible speed. Money transfer will take about 15 minutes and possibly even less time. And most importantly, there is nothing to worry about as every client has the most convenient options for extending their loan repayments.

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Real estate loan for civil servants: what specificities? http://justpensions.org/real-estate-loan-for-civil-servants-what-specificities/ http://justpensions.org/real-estate-loan-for-civil-servants-what-specificities/#respond Fri, 25 Oct 2019 04:59:28 +0000 http://www.justpensions.org/real-estate-loan-for-civil-servants-what-specificities/
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Are you an official and want to buy a place? Whatever your project, your status allows you to benefit from advantageous financing conditions.

Public service employees enjoy several benefits when they take out a mortgage. Indeed, they have a privileged profile by the banks thanks to their professional and financial stability. What are the specificities of real estate loans for civil servants? All the explanations.

A more attractive interest rate

A more attractive interest rate

The real estate rate is often the first criterion observed by borrowers looking for financing. This rate reflects the risk taken by the bank that agrees to lend you the funds. Part of this risk is assessed on the basis of the applicant’s employment status (salary amount, job stability). On this point, the officials correspond to the ideal borrower profile.

It is obvious that having a stable job does not guarantee a good rate. Indeed, before making an offer, the lender looks at other criteria such as the state of your finances, your savings capacity or other loans in repayment. Thus, while in most cases civil servants can benefit from an attractive rate, this is not systematic.

Advantageous guarantees

Advantageous guarantees

The guarantee allows the bank to be protected in case of default and to recover the outstanding capital. Personal guarantees subscribed through a surety company are distinguished from real guarantees such as a mortgage on the property. It is up to the bank to choose the guarantee to put in place according to your profile and your project. This guarantee has a cost not to be neglected. It takes between 1% and 1.5% of the credit for the deposit, between 0.8% and 1.5% of the amount borrowed for a real guarantee.

There are bonding companies dedicated to civil servants such as those set up by cashmat or the BFM. The cost of the bond is then between 0.4% and 0.5% of the amount borrowed, which represents a considerable saving.

Personalized mortgage loan insurance

Personalized mortgage loan insurance

At the time of the subscription, like the other borrowers, the public servants are offered group insurance of the bank. This is a standard contract based on risk pooling and single pricing. In accordance with the 2010 Lagarde Law, civil servants can opt for cheaper individual loan insurance and wider guarantees. Some insurers and in particular the MGEN, Interiale, ADREA or AGPM are specialized for the civil service. To find the best public loan insurance, it is advisable to play the competition. The comparison of offers is even more useful if you practice a risky job (police, military …) to avoid a tariff increase and / or exclusions of guarantees.

Thus, civil servants can benefit from preferential conditions for their mortgage. Some banks do not hesitate to offer them additional benefits to attract these profiles.

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Cheated by the payday loan – how not to give in to fraudsters? http://justpensions.org/cheated-by-the-payday-loan-how-not-to-give-in-to-fraudsters/ http://justpensions.org/cheated-by-the-payday-loan-how-not-to-give-in-to-fraudsters/#respond Sun, 20 Oct 2019 19:43:20 +0000 http://www.justpensions.org/cheated-by-the-payday-loan-how-not-to-give-in-to-fraudsters/
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There are scammers in every business, there is no doubt about that. They feed on someone else’s hurt and emotions. Finance has not been an extremely tasty morsel for cheaters from today.

Financial pyramids, parabanks, phishing, not legal practices related to borrowing and debt collection – these are the topics that cause us fear. How not to give in to financial fraudsters or to minimize the damage caused by extortion? Check.

Financial scammers – don’t get stretched

Before you take out a loan or incur any liabilities at a non-bank institution, pay attention to a few basic things:
First – check the company. Find out how long it has been on the market and check if it is included in such lists as the Polish Association of Loan Companies or the Register of Loan Institutions.
Second – read the comments of people who dealt with the company you selected.

Be sure to reach for information from several sources and draw conclusions.
Third – read the documents carefully. Check contract terms, repayment dates, rates and interest periods. Pay attention to what you are in the event of late repayment. Find out if you can suspend or extend your debt repayment date and under what conditions.

Are you a victim of financial fraud? What to do?

If you do not understand any information contained in the contract – call the helpline and ask a company employee. It will definitely dispel your doubts.

Of course, before you make any claim, carefully check the loan agreement. Often, customers feel “stretched” at high costs, even though they have previously given their consent when signing the contract. In that case, when we have a chance to make a complaint.

Payday complaints

There are several situations that will allow you to advertise a loan. You can do it when:

  1. The cost of the loan exceeds the standards imposed by the so-called anti-election laws.
  2. You repaid the loan ahead of schedule and the company will return the funds disproportionate to the commission for the unused period of the loan.
  3. The lender charges costs that are not in accordance with the contract or that were not mentioned in the document we signed.
  4. The interest for borrowing money is higher than 10% per annum.
  5. The interest for late repayment is higher than 14% per annum.
  6. There is no reliable information from the lender regarding the total cost of the loan (e.g. loan ads mislead the customer).

As you can see, as clients of loan companies we are secured in many situations, which is worth keeping in mind.

There is one basic thing to keep in mind. We will not discover America by repeating once again the basic principle of concluding any contracts: Be careful and, above all, read the entire contract.

Regardless of how much you are in a hurry – reading documents and asking a few questions can effectively protect you from financial fraud. Remember – the prudent always insured.

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Loan purchase for building professionals http://justpensions.org/loan-purchase-for-building-professionals/ http://justpensions.org/loan-purchase-for-building-professionals/#respond Tue, 15 Oct 2019 05:12:09 +0000 http://www.justpensions.org/loan-purchase-for-building-professionals/
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The professionals, as craftsmen or liberal professionals, can benefit from a purchase of credits, an effective solution to optimize the expenses of credits and to perpetuate the professional activity.

Professionals and craftsmen: the credit buy-back

Professionals and craftsmen: the credit buy-back

Credit redemption is a banking operation that allows several credits to be combined into one, the idea being to readjust the repayment installments taking into account the applicant’s financial situation. For craftsmen and building professionals, the purchase of credit can be an effective solution to optimize credit charges and face a possible need for cash. Indeed, this financing makes it possible to buy back credits but also overdrafts and various debts (URSSAF, delay of rent, tax debt …), it can also integrate a need to finance.

Proceeding to a repurchase of credit can thus make it possible to start on a better basis and especially to lower the monthly deductions of credits, facilitating a return to equilibrium with the reconstitution of a cash making it possible to face the hard blows or the periods more hollow. However, you must file an application with a specialized institution to obtain the release of the funds.

How to set up a buy-back of professional credit?

How to set up a buy-back of professional credit?

The implementation of a loan buyback can be done with a conventional bank, a credit institution or through a broker who can undertake to solicit the first two. The craftsman or the professional must submit an application for credit redemption by specifying the number of credits in progress and any late payments to be resorbed. He can also specify the amount of funding dedicated to his new project, it may be a need for cash or simply an investment in the context of the activity.

After the application has been submitted, a financial adviser checks the feasibility of the financing taking into account the different information. After validation of the loan redemption, a loan agreement is sent to the applicant, who must return it signed. It is only after the cooling-off period that credits are refunded in advance, which makes it possible to set up the month following the new reduced monthly payment and to obtain the sum of cash requested. The application for the repurchase of loans requires to provide certain supporting documents on the professional activity, for the craftsmen in the building it usually takes the last two balance sheets.

Simulate online credit redemption

Simulate online credit redemption

Artisans and building professionals do not always have the time to devote to the financing process, which is why financial organizations make online simulation forms available to them so that they can quickly obtain a feasibility opinion. It is thus possible to file a request for the redemption of credits making it possible to solicit banks and credit institutions to obtain financing proposals. This approach is completely free and without any commitment. Note that it is possible to buy consumer loans and mortgages in this type of financing.

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Microcredits, also for whims! http://justpensions.org/microcredits-also-for-whims/ Thu, 03 Oct 2019 18:43:19 +0000 http://www.justpensions.org/microcredits-also-for-whims/
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That if economic crisis, that if unforeseen, that if Christmas gifts, gifts of Magi, gifts of Valentine’s day, birthday gifts … yes, giving is very good, but, with so much purchase for others, what is ours ? When can we afford to buy that garment that we liked so much in our favorite store? When can we buy the mobile we want or the laptop or tablet we need to work?

Yes. That is one of the great mistakes we make, that we pay too much attention to others, but we don’t spoil ourselves or take care of ourselves. And if we don’t do it, it’s because many times we think about money.

In general, it costs us to disburse dollars because we know not only how much it costs us to earn it but also how much it costs us to keep it. The issue of “savings” for Spaniards has practically fallen into disuse because we can no longer do it and, of course, without savings we cannot afford certain whims such as going shopping one day.

 

Well, we can’t do it unless we request microcredits

Well, we can

 

Because this type of financial solution is one of the few alternatives we have when we fall in love with a product or article and cannot afford it in any other way. And it is that microcredits are fast credits of small amounts that we can request in trusted financial institutions.

Lending companies are considered as a resource so you can request as many microcredit as you want and for what you need. We don’t care what you want money for, we don’t want explanations, it’s enough that you have a need for us to grant you your wish.

 

Loan for your wishes

Loan for your wishes

 

Because we want to please you and we want you, for one day, to give yourself the whim you want, that you deserve it too!

And for you to see how flexible we are, we tell you the steps you should take:

  1. First of all, access our “Loans and Credits” tab and, within it, go to the “Mini-credits” section. 
  2. Read the requirements that we are going to ask you to verify that you meet them.
  3. Go to the section “How much money do you need?” And choose the amount you want (up to 300 dollars) and the period in which you think you can return it.
  4. Go to the following chart and fill in your personal data, your contact information and the data of the company where you work.
  5. Click on “Request.”

And now, just wait for us to grant it to you!

Why don’t you see it so complicated to treat yourself with our microcredits?

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WW Finance Online, How Is The Cost And Interest Calculation? http://justpensions.org/ww-finance-online-how-is-the-cost-and-interest-calculation/ http://justpensions.org/ww-finance-online-how-is-the-cost-and-interest-calculation/#respond Wed, 25 Sep 2019 09:11:17 +0000 http://www.justpensions.org/ww-finance-online-how-is-the-cost-and-interest-calculation/
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Along with the development of the fintech industry ( financial technology ), especially in P2P ( peer to peer ) lending, there are more and more WC Finance alternatives for prospective borrowers/debtors. Often because you want to get funds as quickly as possible, you ignore or don’t really understand the calculation of fees and interest set by the online WC Finance provider/creditor itself. This will ultimately burden the debtor in returning the borrowed funds. In this article, we will discuss the costs and interest set by Fintech , so that you have an overview and are more careful before submitting WC Finance online.

 

Costs for WC Finance online

Costs for WC Finance online

In general, WC Finance online sets several costs including provision fees, administrative fees, service fees, and late fees.

Determination of the percentage in each WC Finance online varies, but generally in the range as follows:

  • Fees: 5-8% of WC Finance’s total
  • Administration fee: 1% of WC Finance’s total
  • Service fee: 1% of WC Finance’s total
  • Late fees: 1-3% adjusted for the length of the day of delay. For example, for WC Finance who is 1-7 days late, a 1% late fee will be charged, while WC Finance who is 14 days late will be charged a 2% late fee.

Also read: Confused about Counting WC Finance’s Flowers? Here’s the way!

 

The interest charged by WC Finance online to the debtor

The interest charged by WC Finance online to the debtor

In addition to the costs mentioned in point No.1, WC Finance online also set the interest of WC Finance where the percentage between WC Finance online also varies. However, generally the interest set is as follows:

If the duration of WC Finance is less than or equal to 30 days, the interest set is 1% per day = 30% a month

If the duration of WC Finance is more than 30 days, namely 3, 6, or 12 months, the interest set is usually in the range of 3-8% per month.

Now try to see the WC Finance simulation at the following WC Finance Online A company:

Assume you borrow money from WC Finance online A for Rp.4,000,000 with a repayment period of 4 months. When funds are sent to your account, the amount will be deducted by a 6% provision fee (assuming WC Finance online A stipulates a 6% provision fee), which is IDR 240,000. In addition, WC Finance online A also charged an administration and service fee of 1% each, so WC Finance would be deducted again by IDR 80,000. In the end you will receive IDR 3,680,000 in your account.

If WC Finance online A sets interest at 6% a month, then every month you will be charged an installment of Rp1,240,000 / month or with the total amount paid until the end of WC Finance’s duration of Rp.4,960,000.

 

The amount to be paid also increases due to late fees.

The amount to be paid also increases due to late fees.

However, if you pay late for WC Finance, the amount to be paid also increases due to late fees.

You can certainly imagine how much debt is accumulated if you don’t make payments on time. Usually, WC Finance online will clearly state the costs to be paid and you have the choice of whether to continue WC Finance or not. QQI Credit is one of the online WC Finance that applies the openness of fees and interest to be paid, where the QQI Credit team calls prospective borrowers and explains in detail the costs to be paid. At QQI Credit, the debtor is given the opportunity to consider whether to continue WC Finance or not. In addition, QQI Credit also does not apply relatively lighter costs compared to other WC Finance, namely:

  • Fees: 5%
  • Administration fee: none
  • Service fee: none
  • Late fees: Rp. 55,000 for each installment that has been delayed
  • Interest: 4% a month (QQI Credit Installment) and 10% (mini QQI Credit where another online WC Finance applies 1% interest a day, meaning that for WC Finance with a duration of 30 days, on another online WC Finance, the debtor must pay 30% interest)

Assuming you are borrowing on QQI Credit for the above case, you will receive Rp.3,800,000 and then you will pay an installment of Rp1,160,000 per month so that at the end of your period you will pay a total of Rp.4,640,000.

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