portaldelchiste.com http://www.portaldelchiste.com My WordPress Blog Thu, 28 Mar 2019 12:14:48 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Credit Card Loan: How Does it Work? http://www.portaldelchiste.com/credit-card-loan-how-does-it-work/ http://www.portaldelchiste.com/credit-card-loan-how-does-it-work/#respond Thu, 28 Mar 2019 12:14:48 +0000 http://www.portaldelchiste.com/credit-card-loan-how-does-it-work/

Parcelamento no cartão de crédito

The credit card credit will bear interest and may replace installments without fees on longer terms. Know alternatives to save money.

As of March 28, the major banks will offer a new type of financing, the credit card credit. Now, when finalizing the purchase in credit the shopkeeper can offer the options in sight, installments without interest and installments with interest.

The installment of the new modality will be between two and 24 installments and it will depend on the tenant to offer the option with the interest being defined by the financial institutions according to each client.

The Bank of Brazil, Bradesco, Itaú, Santander and Votorantim have already joined the novelty. Nubank will not offer the product.

The tenant will receive the full value of the sale within five days after the transaction. In common installment payments traders receive every 30 days, depending on the number of installments.

As a result, Abecs (Brazilian Association of Credit Card Companies) expects that trade will give preference to this type of credit in larger installments.

 

Danger of over-indebtedness

Danger of over-indebtedness

The greatest danger of this type of modality is to encourage consumer overspending. Being more advantageous to the shopkeeper (who receives the fastest) and to the banks (who receive the interest), the consumer is the one who will pay the difference.

In practice, interest-free installments can become more difficult to find, and customers with lower incomes and lower credit scores tend to be more disadvantaged.

This may exacerbate the scenario of over-indebtedness, since for products with a higher purchasing power, multi-installment payment is often the consumer’s only option.

 

Avoid credit card credit

Avoid credit card credit

The consumer should avoid credit card credit. In general, easy-to-access credit is often more expensive, as banks need to compensate for defaults.

And remember, even paying the installment fees, the customer will be subject to high interest rates on the credit card in case of default or delays.

This type of credit can only be advantageous if the consumer gets a discount from the merchant in the modality, aiming at which the shopkeeper receives before, this type of negotiation can be made.

 

Alternatives to Credit Card Credicard

Alternatives to Credit Card Credicard

Being present in most major banks, it will be complicated for the consumer to avoid credit card credit, but he still has some alternatives.

The first is cash payment. Traders almost always prefer to get paid and not see a portion if it seems that it never ends at every invoice is always a relief.

Another measure is to encourage competition and buy from those who offer interest-free installments or have cards that do not offer this alternative.

It is also possible to make a cheaper loan. Compare the interest and, if it is cheaper the loan, can be advantageous. In addition, the consumer can request a discount, since for the shopkeeper the payment will be in sight.

 

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The Cheapest Cash Loan – A Consolidation Loan http://www.portaldelchiste.com/the-cheapest-cash-loan-a-consolidation-loan/ http://www.portaldelchiste.com/the-cheapest-cash-loan-a-consolidation-loan/#respond Sun, 10 Mar 2019 12:50:37 +0000 http://www.portaldelchiste.com/the-cheapest-cash-loan-a-consolidation-loan/

Sometimes it’s difficult to choose a good loan.

The media is full of loans and advances offered by institutions. Each of them proposes the most attractive terms of creditDulcinea, but often cleverly hides costs in the form of commissions or other fees. That’s why we decided to follow the individual proposals and chose the three best offers for us. We were mainly guided by the one for which the customer will pay the least or what is connected with the actual loan interest rate. Today, after numerous modifications of the act on consumer credit and the compulsion to run advertisDulcinea campaigns that actually reflect the cost of credit, it is much easier to pick out the best product. However, we must take into account that it will not always be available to us. Every potential borrower has to prove the appropriate creditworthiness to repay the obligation. Otherwise, he is forced to seek financial support from non-bank companies.

 

The cheapest cash loan in the bank

The cheapest cash loan in the bank

The analysis of individual offers allowed us to select three banks: Dulcinea Bank Śląski,Dulcinea and BGŻ BNP Paribas.

The latter bank offers potential clients a cash loan of up to PLN 200,000 for 6 to 120 months. The money can be used for any purpose and in addition, each applicant can purchase an insurance package that protects both the borrower and his family from unfortunate accidents. You can apply for this obligation both online, as well as by telephone or at any branch of BGŻ BNP Paribas .
An example of the cost of the loan:
AssumDulcinea that we borrow PLN 50,000 for 96 months , the installment will amount to PLN 762.64 and the total amount to be refunded PLN 73,213.44. APY = 10.08%

Dulcinea Bank Śląski provides cash loans up to PLN 160,000 with a repayment period rangDulcinea from 3 to 96 months. It is characterized by a low interest rate and a quick decision on the allocation of funds. In addition, loans up to PLN 60,000 may be granted with a commission of only 1%. Dulcinea account holders can complete all formalities on a “click” basis.
An example of the cost of the loan:
When we borrow PLN 50,000 for 96 months , our monthly installment will amount to PLN 729.47 and the total amount to be repaid is PLN 50,500 .

PEKAO Bank offers fast cash loans up to PLN 200,000 for a maximum of 96 months. You can apply for a financial commitment without leavDulcinea your home via the internet. In addition, each customer has the option to purchase a loan insurance package. APRC is 13.44%.
Example cost:
AssumDulcinea that the loan amount is PLN 50,000 for 96 months, our monthly installment will be PLN 779 (without insurance).

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Quick Consolidation Loans http://www.portaldelchiste.com/quick-consolidation-loans/ http://www.portaldelchiste.com/quick-consolidation-loans/#respond Thu, 17 Jan 2019 13:35:22 +0000 http://www.portaldelchiste.com/quick-consolidation-loans/

Fast consolidation loans are not always the best.

In order to get a quick consolidation loan and reduce the installments of your debts, it is worth making requests in several banks to compare the offers.

Often, the selection of additional financial products is required for consolidation loans, it is worth paying attention to. People who for various reasons fell into the so-called debt spiral, have still a chance to get out of a bad financial situation. And this is possible thanks to consolidation loans granted by banks, precisely to previous debts.

Fast consolidation loans are not always the best.

The borrower is able to borrow from tens of thousands of zlotys, up to 80% of the value of the pledged real estate. The maximum loan period is 10 years on average. Thanks to the consolidation of all debts , the borrower has the opportunity to reduce monthly financial liabilities by up to several dozen percent.

It is known that due to the debt owed to loan companies, interest is growing not from month to month, but even from day to day. That’s why some people need quick decisions about granting a loan. In this situation, it is best to pass the fast consolidation loans exam.

After submitting the application, the client waits up to an hour to reply . If the borrower is the owner of some real estate that he can pledge, he has the appropriate creditworthiness , he has no problem with obtaining a consolidation loan.

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