Filing Bankruptcy Chapter 7 or 13 -Scaraba.Net Thu, 12 Dec 2019 04:02:43 +0000 en-US hourly 1 Non-bank loans: Loan from the Loan and Credit Thu, 12 Dec 2019 04:02:43 +0000


You can get 250 thousand – 5 million crowns (up to a maximum of 50% of the estimated price of the property. The advantage is to provide a loan without a register and without proof of income (the mortgaged property serves as a repayment guarantee)

Terms of the loan from the Loan and Credit

Terms of the loan from the Loan and Credit

The amount of this non-bank loan can range from USD 250,000 to 5,000,000. The maturity can then be 6 – 60 months (0.5 – 5 years). The basic minimum interest rate for this loan is 6.9%.

The basic conditions include a minimum age of 18 years, citizenship of the Czech Republic (or at least permanent residence in the Czech Republic). It is also necessary to provide proof of identity and documents for the property, which will be used as a guarantee for the borrowed money.

Fees for this loan

Fees for this loan

For the approval of the loan the savings cooperative charges an amount of 0.9% of the loan amount. At least it is 2250 USD, maximum 45000 USD. No further fees are required. The Loan and Credit does not charge any loan maintenance fee, you only pay regular installments of the loan amount and interest.

Early repayment of the loan is free of charge. Unlike banks, however, the Loan and Credit does not offer the possibility of insurance against the inability to repay. You might have to take out this insurance yourself with another company.

Who is the loan for?

Who is the loan for?

The loan from the Loan and Credit is not only for members of this savings cooperative, but for all interested parties. By its nature, this loan is intended rather for ordinary citizens who want to borrow money for a long time. This loan has similar parameters as American mortgages offered by some Czech banks.

Here too, real estate loan collateral is required. Unlike a bank American mortgage, candidates at the Moravian Banking Institute have a chance to raise money, even if they refused it at the bank.

The savings bank cannot consult the banking register of client information, and even some of its other conditions offer more favorable criteria. So if the bank refused to give you an American mortgage, you can try this loan offered by the Loan and Credit.

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First free loan Good Credit loans, references and tips Sun, 08 Dec 2019 03:53:27 +0000 A question that most people interested in non-bank loans cannot properly answer. Therefore, we have no choice but to dedicate you a little more to this area. First, you need to start with the right answer. Yes, loans without a register or loans without proof of income can be obtained free of charge. However, only at the first request, all others are already associated with appropriate fees.

And why does the company offer the first free loan immediately on account? They want applicants to try their professional, fair and safe services at the same time . They will see how short the money arrives in the bank account and goes through the approval process.

Practical comparison of free loans

Practical comparison of free loans

If you are wondering what online non-bank loans are free of charge in their first phase, without any extra charges, read on boldly…

The largest comparator of bank and non-bank loans in the Czech Republic can help you. Whose bowels you will find updated databases of all proven and reliable companies. Many data that can be filtered and practically compared.

Who will offer you your first free loan?


If you use this comparison server, you certainly will not miss your loan before paying Good Credit. In the case of new customers, it offers a maximum amount of USD 8,000 , with which you can finance any products and services.

It is also helpful from the point of view of its obtaining, or positive approval.

  • Loan without proof of income
  • Loan without register – if you have a record, it is ignored
  • Loan without guarantor

Perfect Money fast loan within 15 minutes

However, the first free loan may be associated with other benefits, such as the speed of delivery to your bank account. From a simple comparison of loans you will definitely get a non-bank loan Perfect Money. It boasts a guarantee of up to 15 minutes.

The first free loan can amount to 5,000 USD.

Loan without register and without proof of contract

Loan without register and without proof of contract

With non-bank loans online, of course, you will avoid any administrative tasks that dominate the banking sector. For example, a loan before paying out Good Credit, which you get up to USD 4,000 for the first time, is nice.

In addition, it should be noted that up to 80% of all applications pass a successful approval process. Everybody can touch their dreams and necessary finances.

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How to know if the payroll loan has been approved? Wed, 04 Dec 2019 04:20:11 +0000 Generally who is applying for a payroll loan, has a great urgency to receive the money related to the loan, right? And in these cases, the wait is always a separate anxiety, not to mention the concern about whether or not it will be approved. fleshes this out

That is why, when applying for payroll loans, understanding very well how the deadline works and how the approval is performed is one of the most important steps to avoid unnecessary trouble.

Today we at Credit Sheet will explain how to know when the loan was approved and how long it will be available in your account.

How do I know that the payroll loan was approved?


Usually people complain about the long delay for both approval and credit release when applying for a loan.

Can credit be approved and released in a single day? How is the credit analysis process performed? How long will the money be available in your account? We will explain all this to you.

How is credit analysis and approval done?

The payroll loan application goes through different stages, but let’s talk about the most important ones.

Credit analysis corresponds to the evaluation by the financial institution of the loan application. Each bank or finance company has its own credit policy and in order for it to agree to give credit it is necessary for the employee or employee applying for the loan to pass the credit institution’s credit policy.

Each financial institution has its own policy and that is why the employee can apply for credit with different financial institutions.

What is credit endorsement?


Credit approval is when the bank or finance company has already approved the credit and it is up to the company’s Human Resources department to endorse the contract, that is, to authorize the applicant’s payroll or paycheck discount.

What we call endorsement is nothing more than the reservation of part of the monthly installment, referring to the payroll loan that will be in favor of the bank. It is also in the record that will be all the data and conditions regarding the loan agreement such as: interest rate, payment term and etc.

This is the guarantee that the contract was actually fulfilled. Besides of course, make the entire loan process totally clear. And the faster the registration is done, the faster the money will be released.

How is the payroll loan released?


Upon review and approval of the credit, the bank will evaluate the paycheck of the requesting employee. And for the amount to be released, it will depend on what we call the available payroll margin, ie the credit limit is set according to the policy of each bank or financial institution.

In addition, your company may also set the limit, within the salary of its employees, which they can use as loans. This will help the financial balance of your employees, not “allowing” them to wind up in big debt.

Afterwards, the contract is endorsed by the company and the bank or finance company credits the money in the employee or employee’s checking account within two business days.

We now have the ease of access and internet resources, allowing the entire payroll loan process to be done completely online.

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Think about this if you are going to borrow for the holiday – Fast Loan Thu, 07 Nov 2019 08:33:48 +0000 The holidays are soon here and it is too much time to start planning. Will it be a week or two abroad or will the holiday be spent at home in Sweden with visits to friends and relatives? Is it a camping holiday that attracts the most or does a city weekend feel more attractive?

No matter how you intend to spend your vacation

No matter how you intend to spend your vacation

The financial issue comes up quickly when you plan. If you do not have the money to pay for the holiday, it is an option to take out a loan.

It is never recommended that you apply for a quick loan or sms loan to finance consumption that is not absolutely necessary, but if you still choose that solution you can take some help from our tips below to minimize the risk of negative financial consequences.

Which loan is best for the holiday?


If you need a loan of a few thousand USD up to around USD 10,000, you have two options to choose from, namely classic fast loans with a very short repayment period and “hybrids” between fast loans and private loans that you repay in three months or even longer. If you need to borrow more than that, the alternatives are instead usually a “hybrid loan” or a regular private loan (“blanc loan”) with a bank or a credit company. As a rule, however, you must borrow at least USD 20,000 when you turn to one of the major banks or the major credit companies.

If you do not need to borrow more than USD 20,000, we would recommend that you choose a fast loan that you repay over 12 months or more. The cost of such a loan is in most cases lower than for a quick loan with 1-3 months repayment period. In most cases, the entire cost of the loan is also in the form of interest that you can deduct from the tax return.

Make a budget and follow it


All loans must be repaid in a timely manner and with the right amount – unless you can quickly suffer financial consequences that will cause serious damage to your personal finances. Our tip is that before you apply for the loan, you make a budget for the months before and after the holiday to see if you will have enough cash to pay the repayments and interest.

For example, if you take a quick loan of USD 10,000 with a maturity of 12 months, you will, on average, be paid USD 900-1000 per month during the term. Be sure to make sure you have the money available in your account before submitting your application.

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Good Finance Terms: Corporation, credit, legal defender, Lender, Loan, Borrower Mon, 28 Oct 2019 07:48:35 +0000

Community of public interest, recognized by the authority, is a legal association with special privileges, in modern law there are, in the aspect of public law two kinds of corporations: with territorial jurisdiction and personal jurisdiction, the first are those that we can denominate as necessary legal persons, while the latter refer to a certain category or sector of persons.

Good Finance Credit


(to lend.) financial operation by which a bank or other similar institution provides money, by guarantee, or not, immediately or with the opening of a credit account. The borrower is obliged to return the loan amount on the agreed date and to meet the interest of the amounts that he has acquired, for the time of use of each one, being able to deliver to the lender funds that are deducted from the total loan amount.

Loan house . Contract by which a person delivers to another a thing with the following purposes: p ara to use it and then return (bailment); To consume it and then return it as much of the same species and quality (mutual).

Good Finance lender and lender

Person who gives money to another, who lends , is one of the many possibilities offered by the Good Finance Real Credit Corporation.

The average natural term ranges from 1 to 18 months of amortization , the interest rate varies depending on the valuation, the term, and the quality of the operation, mainly measured by its risk . The minimum applicable interest is 5% monthly on the borrowed capital.

Good Finance Legal Defender


We put at your disposal lawyers responsible for defending your rights . Before all types of public and private entities. Find out about the advantages we offer to our users. Great discounts and national coverage .

Enhance, esteem, popularity, good credit, influence, authority, prestige. Take money on loan, get informed.

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Why do people seek money? Sat, 05 Oct 2019 07:59:41 +0000

What is money? Paper ? Assets ? Energy ? Happiness ? Feature ? Each of these statements is true because its accuracy or incorrectness depends on how and in what situation it is looked at. Money is a means of payment in the form of special paper.

There has always been a correlation that the more money a person has, the more power they have

There has always been a correlation that the more money a person has, the more power they have

Money can influence a variety of processes so that there is a certain amount of energy that depends on the situation. If money can influence processes that can make people happy, it is also a source of happiness and happiness itself.

With these listed statements, which is money, it is understandable why people are so keen on it. If in the past people did not need money so much because they were able to provide everything they could buy for money nowadays on their own, nowadays life without money is almost unimaginable.

Of course, there are still groups of mankind, or rather, tribes, in which people are very well off without money, but in this case we are talking about civilization, one of the characteristics of which is the existence of money or some other means of payment.

As you know, initially money as such did not exist because people could build their own homes, raise livestock, vegetables, fruits, cereals, raise a horse or some other livestock to move without having to pay for utilities because there was no artificial electricity, no heat or water supply – as much as they could provide themselves, there was nothing to pay for it.

Of course, it must also be remembered that in times of lack of money, people’s needs were more primitive and the meaning of life simpler.

It is unlikely that a modern man with his ambitions in the era described above could survive without money

money savings

If one were not constantly seeking for something more, including money, we would probably still be living in the Stone Age.

Over time, barter was introduced into the daily life of mankind, which was an exchange of things, for example, one gave wool, the other gave milk in exchange for wool, and so on. The Barter system did not work for a long time, as people began to realize that their offer was not always properly valued or, on the contrary, too valuable to receive, for example, only a stone hammer. Evaluating and comparing offers began to be difficult and over time people came up with the idea of ​​creating a tool that was adaptable to different situations but at the same time with a specific, variable value, namely money.

Nowadays, everything seems to be valued in terms of money , both goods and services. Of course, today, as in barter, there are still goods or services that are difficult to value in monetary terms. These are products that have so-called added value, that is, when a person pays for a product not only covers its real value or cost, but also the work, diligence, time, talent, sincerity and emotions invested, in particular, in monetary terms. Such products are highly valued today because they perform not only the primary functions of the product, but also the secondary functions, which are its intangible emotions and energy.

Monetary value

Monetary value

Because, as already mentioned, nowadays everything is expressed in monetary value, and not only is it expressed, but also demanded to pay for it, it is very difficult to survive without it. It goes without saying that nowadays almost nothing can be obtained for free – ” only the mouse in the trap is free “, as they say. Some laugh, even ironically, that they will soon have to pay for air, which seems to be the only thing not paid for today.

Nowadays, living in a civilized society, lack of money actually means death, or at least destruction, but who doesn’t want to live a full and full blooded life? That’s why people are so keen on money because money is life.

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SMS money lends money in the form of micro loans Wed, 02 Oct 2019 06:48:56 +0000

SMS money lends money in the form of micro loans where you can borrow up to USD 10,000 directly the first time you borrow.

New customers could not borrow their largest amount


Previously, there was a rule that said new customers could not borrow their largest amount, but this is now removed. Applications for these loans can be made either via the web, by calling SMS money or using the mobile phone. If you choose the option where the application is sent with your mobile, it will be an SMS loan.

Conditions for borrowing money from SMS money

Conditions for borrowing money from SMS money

SMS money does not set any major requirements for you to be able to apply for a loan and have a chance to be accepted. This applies to their micro loans ie. In principle, it is only required that you are of legal age and have a mobile phone number. They even approve applications from people who have payment remarks.

Then, of course, they do not accept applications from anyone who wants to borrow money, but a credit check is performed. This will give a rating that they then decide on if it is good enough to borrow.

When it comes to the larger credit that SMS money can get, there are some more set rules for who can borrow. It requires a borrower between 20 and 60 years. Has an annual income of at least USD 180,000 and has been registered in Sweden for the past two years.

SMS money offers the following types of loans


Here, too, there are no rules that say that you cannot borrow if you have payment notes, so if the economy is otherwise under good control you can borrow.

Direct link to SMS money

Below you will find a link that goes directly to SMS Money’s website. There you can find exact information about exactly this lender’s various services. If you want to borrow money, this is also the way to go.

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Loan interest rate Sat, 21 Sep 2019 08:13:34 +0000

Quick credits can be applied for in about 15 minutes without leaving your computer, without certificates and without a guarantee. On the other hand, loans in the bank take 1-2 working days on average. To borrow loans online, you need to choose the right credit company , register on the credit website and apply for a loan. If so, the money will be credited to your bank account!

In order to choose the best loan, we offer to compare the loan companies. You can find out more information about the lender by clicking on the lender’s logo. Comparison of credit companies from 50 to 10,000 euros with repayment term from 5 days to 72 months.

* loan amount + loan% / loan amount * 100-100


Penalties or costs of delay . Fast credit for late payment requires a penalty ranging from 0.75% to 1% of the total amount of late payments for each day of delay. Some lenders charge money for a reminder letter and / or a one-time penalty payment in addition to the penalty payment if the credit is overdue.

Failure to make payments


The exact cost of the delay can be found on each lender’s website, in the terms of the contract and / or by contacting the lender personally. Remember that failure to make payments can cause you serious problems and affect your credit history and make it more difficult to obtain a new loan, and in the event of default, the lender may initiate debt recovery proceedings or assign claims to third parties.

Want to compare even more credit companies 


Borrow money only if you are sure that you will be able to repay the loan on time. Overdue credit can ruin your credit history and make it more difficult to borrow later, or the credit companies will offer you loans on unfavorable terms.

Remember that in the case of overdue credit payments, the credit institution is entitled to a penalty interest. Borrow responsibly!

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Bank Accounts With Good Payments Sun, 15 Sep 2019 07:49:21 +0000

You asked me to offer you a cheap or free bill with a high payment.

Here are some suggestions you might be interested in.

(If there was a announcement coming in a month or two, I worked on it and linked it. If you still have a good account package (which you can still claim) or you think something is wrong in the descriptions, write in the comments. )

Good Finance Bank: Okay4 is a good choice for more than 300 thousand USD revenue. The good news is that the amount can come in two installments, meaning that your spouse’s salary can be the other half. (The other condition is an average of USD 3 million of unpaid balance on the bank account, but I think nobody does this when its annual interest rate is at least USD 75 thousand.)

If you meet this condition, your monthly fee will be zero, otherwise $ 3.00.


The account package includes free standing and ad hoc transfers and direct debit orders up to a monthly amount of $ 400-400,000.

The SMS fee is 19 Ft / SMS.

A bank card is expensive, you have to pay $ 540 a month in addition to your yearly thousand forints, and you pay 15 thousand for your Good Finance World card every year.

Cash withdrawal fee is 650 USD + 0.6% transaction tax.

Another benefit is that the money deposited here is always considered new money, and now earns 2.5% on a 3-month deposit.

We can only switch your account for $ 4,500 if you want to switch to a cheaper account.

Good Finance Bank is an online bank, so we can’t make money and the branch network is quite small.


Budapest Bank Premium Plus Package: a monthly credit of USD 250,000 or a balance of USD 5 million. In this case the monthly fee will be USD 0 for electronic account statements and card payments of USD 30,000, otherwise USD 280.

If the condition is not fulfilled, the monthly fee is USD 3,150.

The cheapest credit card can be requested for an annual fee of USD 7,990, or USD 667 per month.

The transfer fee is 0.3% up to a maximum of USD 6,000 (ie the transaction tax)

Cash withdrawal is expensive 0.5% + 590 USD + 0.6% transaction tax.

Cash withdrawal is expensive 0.5% + 590 USD + 0.6% transaction tax.

I couldn’t find the SMS fee.

You can find the announcement here, under the link “Residential / Retail Account Management”.

GFI Bank: There is no separate premium account package, but the Online package is a competitive offer. If you receive at least $ 200 in your account and you transfer at least twice a month, your monthly fee will be $ 100, and your online transfer will be $ 0. The annual fee of the cheapest card is 2900 USD / year, that is 242 USD / month, the cash withdrawal fee from own ATM is 519 USD / occasion, up to a maximum of 200 thousand USD.

That is, your total cost is $ 557 per month, if you meet the conditions and all your transfers are free, cash withdrawals are not expensive. If you fail to meet your expectations in any given month, then the penalty is only $ 400 and not thousands. (Beware, if you accidentally end up with sick pay and don’t reach the monthly minimum, other banks will quickly pay you the increased monthly fee.)

Bill announcement here, card announcement here.


GITI Bank Priority Package: If you do not have a stock of 3 million, the monthly fee is USD 4,490 / month.

The first five withdrawals are free of charge, including the online transfer. The annual cost of the card is 6,990 USD, the SMS 440 USD / month. Announcement here.

In this case, the monthly fee will be replaced by the amount of interest you are missing out on, or the additional cost of the investment, at how much it will cost you at $ 3 million.

K&H Bank Premium Account Package :

If you have a bank savings of $ 5 million, or $ 3 million, if you are under 40 years of age and you do any of the following, you will be free to keep an account:

– A total savings of $ 15 million, or

500 000 USD monthly incoming transfer, maximum 3 installments, or

– Spending $ 100 on a credit card per month.

Spouses can pay together


Since two credit cards can be applied for and the spouses can pay together, one of the conditions is not so feasible.

If none of the second set of conditions is met, then the monthly fee is $ 2,500, or $ 5,000 if the first condition is not met.

Package includes two gold bankcards, 5 cash withdrawals for transaction tax (0.6%), 30 optional bank transaction fees per month (0.3%, max $ 6,000)

What I like about it:

– The two gold bank cards are also suitable for a family joint account, the bank cards come with travel insurance and you don’t have to pay extra for them, as with almost any other package.

– Spending a hundred thousand a month with two credit cards is not feasible, especially if you also pay the overhead card, where possible.

– No income credit is required, especially for entrepreneurs.

What you don’t like:

– You make a lot of money, if you don’t have 5 million in the bank, you shouldn’t ask for such an account package.

– Unfortunately, the transaction tax is always due.

– Be aware of the cost of your investment. If you have to buy mutual funds at a cost of 2% per annum, it will cost you $ 100,000 a year at 5 million forints. If you invest this money at ABC in ETFs at a 0.4% annual cost, the free account will cost 1.6%, which is $ 80,000 a year.

And if you choose a bank deposit, there will be a difference between the interest rate on the bank deposit and, say, the premium government bond, which is similar in size.

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