Month: December 2019

Find the cheapest mortgage: it’s the right time!

by admin

The mortgage is a loan with which almost certainly anyone, sooner or later, finds himself dealing. If you have to sign one, this is the ideal time to do it; if you have one in progress, to renegotiate it. Like? Find the cheapest mortgage thanks to a good online comparison of mortgages and the various offers of banks and lenders. Let's see how and why.

Now is the right time to find the cheapest mortgage

Now is the right time to find the cheapest mortgage

Mortgage rates are at record lows, so if you are thinking of buying a home with a mortgage, this is the ideal time.

These record rates are also suitable for those who already have a mortgage in progress : doing a subrogation could now save you tens of thousands of dollars. In fact, in recent months requests for renegotiation or subrogation of the mortgage have literally exploded.

Why right now? The interventions on the economy of the various countries has led to a cut in interest rates making it extremely convenient, during this period, to renegotiate one's mortgage.

What percentages are we talking about? Both the Fixed and Variable rates have fallen below 1%.

In the first case, built on the parameter, it is possible to find deals with 20-year durations at 0.60% (APR 0.80% if we include the costs).

As regards the Variable rate, offers with minimum peaks of 0.22% (APR 0.50%).

How the mortgage substitute works and why it pays

How the mortgage substitute works and why it pays

As we have said, it is above all with regard to subrogations that convenience is seen: even those who have started a loan at already favorable prices, or have already made a first subrogation recently, can find a cheaper mortgage.

Before proceeding with a subrogation, it is always possible to request from your bank a renegotiation of the mortgage, to adapt it to the most advantageous market conditions.

But, for the uninitiated, let's briefly explain what the surrogate is and how it works.

It is a procedure to transfer your mortgage from one bank to another and therefore take advantage of the best conditions available. So if you find a cheaper mortgage, with lower rates, you are free to transfer it to another institution, (even more than once) without additional costs, not even the notary fees.

As for the mute in general, it is good to remember that it generally covers up to 80% of the property's value. As for the installment, it must not exceed 35% of the monthly net income.

Find the cheapest mortgage online

Find the cheapest mortgage online

Online you can find a wide variety of mortgage deals. But how to find the cheapest mortgage? To orient yourself in this complex sector, a comparator like Lite lender is useful: it helps you find the most suitable mortgage among the many offered on the market.

How does it work?

Nothing could be easier ! Start the chat : we will ask you some questions to understand what you need and what is right for you. We will make you a personalized calculation and in a few minutes you will know if the mortgage is feasible and the installment to be paid: select the one that interests you most... and you're done!

Find the cheapest loan, whether it's the first and the subrogation of the one already in progress... a considerable long-term savings that will not fail to make its effects felt on your budget!

Why is it necessary to compare mortgages?

Using a mortgage comparison service such as that offered by Lite lender, allows you to find the most advantageous solution on the market. Go without fail, and choose the best offer available for you!

Find the most convenient mortgage, choose immediately the installment that suits you: by comparing the mortgages and the various installments you can know in advance how much you will spend, and decide the installment based on your monthly economic availability.

Lite lender is free, try it now and find the cheapest mortgage!

Micro loans per day

by admin

Micro loans are a tool to get the small amount of money quite easily and quickly available in. You can find out more about such loans in the text. Also, be sure to check our comparison table where you can find all the companies that offer such micro loans.

What is a Micro Loan?

What is a Micro Loan?

Micro loans are usually small credits that can be taken right away and they are short-called. Practically, they are just like standard credits, but with a lower price, less paperwork and shorter terms. All in all, they are easier to get, can be taken without security and guarantors. They can be taken without any fees and basically become an interest free loan. Interest-free loan - for small amounts of money given in credit minus any fees. Simply put, you pay back the same amount of money you have taken. Organizations began offering such credits more recently. It is easy to get a credit card without interest if you are a new customer for the company.Because they are interested in such loans, it helps them grow their customer base and introduce new people to their offerings. Finally, micro loans without collateral and without guarantors.

Advantages and disadvantages of using micro loans per minute

Advantages and disadvantages of using micro loans per minute

Micro loans are a very fast way to get money when it is needed most. It can help in many different situations such as problems with a broken car, replacing a stolen phone or many others. But don't forget that everything has its pros and cons. So let's talk about them.

Advantages

  • Micro loans per minute are really fast. Everything is done online and it won't take much time to find the perfect option that suits you.
  • There are many choices and companies that provide micro loans per hour. The high competitive market makes it more attractive to people.
  • A number of times micro loans will be free interest or micro loans without credit check.
  • Micro loans can be granted micro loans with payment note.
  • Such loans that give you the option of not being committed after many years of terms in the bank contract.

Disadvantages

  • The greatest danger is not to repay micro loans in time. Because it will lead can lead to a spoiled credit history. After that, you will be charged with paying fines. And getting money after that will be very difficult.
  • It can blow your budget. It can happen if you use credit cards and other loans poorly, you may tend to spend more money than you have. And then connecting both ends will come surprisingly difficult. There is some kind of individual disadvantage but be sure to think twice and count every penny so you stay out of trouble.
  • It's a risk. If you do not know the company well enough or you are not in to check licenses and read contracts, people can take advantage of you.

For many, micro loans to get the process has become a giant bluff.

Requirements to get a micro loan on the day

Requirements to get a micro loan on the day

  • You must be a national or resident of the country (has an address in).
  • You must be at least 18 years old. Otherwise, it is impossible to get mini credit.
  • You should have an active bank account to identify your ID, which is an active phone number, and an active email.
  • There must be a sufficient and fixed income. So the company is confident that the money is safe and will be paid on time.

How to take micro loans per minute?

How to take micro loans per minute?

Micro loans are one of the easiest ways to get the money compared to other credits. It's always nice to start by checking every single option on the web and finding the best one that suits you. You can do it using our comparison. After that, just fill out a form, choosing how much money and term to pay it back. Some questions can be asked so that organizations are confident about the security of money. And it's done.

Loans between Spouses: How They Work, Formalize and Repay them

by admin

Loans between spouses are credit access solutions chosen by those who do not have the possibility to request money from banks and financial companies.

By using this method, the procedure can be speeded up considerably, as there is no need to present guarantees. Let's see how they work and how the refund takes place.

Loans between husband and wife: what to know before applying for them

Loans between husband and wife: what to know before applying for them

When talking about loans between spouses it is good to remember that it is not mandatory to return the sums, provided that certain conditions are respected.

Which exactly? The fact of allocating the sums to expenses for family life. In this way, the money loaned falls within the forms of sustenance which, on the basis of article 143 of the Civil Code, the spouses must insure the family according to their economic abilities.

In the event that a separation judgment occurs, a loan of this type does not include a repayment obligation.

Loan between husband and wife: private writing

Loan between husband and wife: private writing

In any case, when dealing with loans between spouses it is possible to draw up a private writing. If the loan has nothing to do with expenses for family life, this solution is highly recommended.

In this way, in fact, the agreements between the parties are black on white and there is a formal commitment to return in case of separation.

In order for the aforementioned private agreement to be regular, it is necessary that the person filling it out clarifies that it is a loan contract. The contract in question does not violate the duties of the spouses foreseen by the Civil Code and does not in any way influence a possible decision to separate.

Loan between spouses who split up: what the Cassation provided for in 2013

Loan between spouses who split up: what the Cassation provided for in 2013

To get a complete picture of the loans between spouses, it is good to remember a sentence of the Court of Cassation that made jurisprudence. It is the 19304/2013.

This content confirms the validity of the foregoing, i.e. the fact that private writing is sufficient to formalize the contract.

The ruling also recalls that, regardless of the asset management regime, in the event of separation, the loans between husband and wife must be repaid, unless they are part of the expenses for family life.

This sentence overturns the indications of one of 2009, which contested the obligation to repay the loans between two married people since the transaction had taken place in the ' confidentiality of family life '.

Private writing: what it must contain

Private writing: what it must contain

We conclude this short guide dedicated to loans between spouses referring to private writing. We remind you that the aforementioned document must contain the personal data of the parties involved, but not necessarily specific on the methods of reimbursement.

It is not mandatory to indicate whether it is an interest bearing loan or characterized by the application of a mild interest rate. However, it is very important to specify that it is an occasional loan and not a form of income.