bernardgrange.com http://www.bernardgrange.com My WordPress Blog Mon, 01 Jul 2019 16:16:32 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Cash advance experience http://www.bernardgrange.com/cash-advance-experience/ http://www.bernardgrange.com/cash-advance-experience/#respond Mon, 01 Jul 2019 16:16:32 +0000 http://www.bernardgrange.com/cash-advance-experience/

Life tends from time to time not to stick to plans. The refrigerator gives up at once and must be replaced as soon as possible. In such moments you need a cash advance. But you have heard that many lenders are not carrying the labels “fair” or “serious”, but rather the opposite.

But it could be different – you may have heard a lot of good things about the house. Nevertheless, you are skeptical. The house promises money “even in difficult cases”. How can a reputable bank do that, ask yourself? We have compiled the essential cash advance experience for you so that you can decide if you want to take a loan from the house or not.

Cash advance experience: General information to the offerer

Cash

However, let’s start with some general information because it is necessary to understand the experience. Often referred to as a bank, but it is striking that the house avoids this word in its own description as the devil the holy water. Instead, one does not really talk about what one is but prefers a description of what kind of service one offers: helping clients who need credit. However, the money does not come from a self – further down the homepage is the note that a “Loan brokerage GmbH”.

This means two things: The house brings together interested lenders and borrowers. The money can also come from abroad, which allows, for example, to grant loans without Schufa. On the other hand, the house is not a charity, but can be paid for its intermediary services.

Positive cash advance experience

Positive cash advance experience

Basically, it is not negative that is a credit intermediary. This also has advantages, as the cash advance experience shows. Basically, the supply of available credit is so large that there is something for every interested borrower. Therefore, the fast processing times, the high loan amounts and the flexible repayment variants are praised. The speed of disbursement of loans is also met with approval everywhere. Also often praised by simple customers we the quality of advice of the team. For the sake of completeness, however, one has to add that experts often see it differently.

Negative cash advance experience

Negative cash advance experience

For the negative votes, frustration over the rejection rate predominates. Many people who had expected a loan are disappointed that they have received the money now. More negative cash advances revolve around a topic that has already been mentioned above: The cost of the loans is significantly higher than initially stated. There are a few isolated voices who complain that they feel that their plight is being exploited by the lender.

It is fair to say, however, that is now trying to work very transparently in the process of lending itself, clearly stating that the actual terms can only be disclosed after the case has been considered. To summarize the negative cash advance experience with the following sentence: The ideas of the interested borrower did not match the actual offer.

 

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5 Personal Finance Tips To Organize Your Budget http://www.bernardgrange.com/5-personal-finance-tips-to-organize-your-budget/ http://www.bernardgrange.com/5-personal-finance-tips-to-organize-your-budget/#respond Tue, 11 Jun 2019 20:38:59 +0000 http://www.bernardgrange.com/5-personal-finance-tips-to-organize-your-budget/ To conquer your dreams and not go through difficulties during the month, you need to have enough responsibility with personal finances. To do this, spend less than you earn, avoid term payments and the other tips you’ll see in this post are very important.

Want to stay on top of the subject and know everything you need to have a much healthier and calmer financial life? So keep reading!

What is financial planning?

What is financial planning?

A financial plan is to put your future income and expenses at the tip of the pencil. For this, the ideal is that you start by setting a time for planning. It could be the next month, for example.

Then, it is enough that you consider your income and calculate your expenses, such as water, electricity, rent, food, etc. That way, you’ll know the most you can spend so you do not run out of money.

Why have a personal planning?

Why have a personal planning?

We all have dreams and goals, which can be short or long term. Let’s assume your goal is to buy a home in a couple of years. You will only achieve this goal if you plan and organize your budget!

Having a personal plan with well defined goals is important so that you do not get discouraged when tightening your belt on spending and do not even get into the temptation to waste money on besteirinhas that, at the end of the month, are very expensive.

How to organize the budget?

How to organize the budget?

In order for your financial planning to work properly and your personal goals are met, you need to organize your budget correctly. With that in mind, we’ve separated some tips to help you with this task. Check it out!

1. Spend less than you earn

Spending less than you earn is the first step in balancing accounts. Only in this way is it possible to avoid debts and pay those that are outstanding. The simplest way to achieve this is to do what we mentioned at the beginning of the post: financial planning.

Calculate your monthly expenses and see what you really need. Also, cut those expenses that do not help much in balancing your accounts. With these attitudes, you will be on the right track to spend less than you earn.

2. Escape payments on time

Time payments are great personal finance villains. Whenever possible, seek to pay your purchases in cash, even if you have to wait a little longer. Gathering a little bit of money a month to buy a new TV, for example, comes out much cheaper than financing it in various installments with interest.

3. Save a bit for emergencies

An essential measure to have a healthy financial life without scares is to have a reserve for emergencies. If you separate a portion of your money each month, you will soon have enough to keep up with unemployment, illness, or economic crises. Ideally, this reserve should be six times the value of your monthly income.

4. Have personal goals

Having personal goals is key to structuring your financial life. Whether it’s buying a car, taking a trip, or owning a home, personal goals are extremely motivating to keep finances on track.

5. Define priorities

As we speak of personal goals in the previous topic, it is important that you define which of them are priorities for your life.

Is your car old and is it giving trouble on the street? So buying a new car is a priority. Is your room too big for your TV? Schedule yourself to buy a bigger television. Can not afford rent anymore? Maybe it’s time to think about home ownership!

With well-defined priorities, you will always spend your money objectively and intelligently.

There are no secrets to keeping your personal finances balanced! By following a few simple tips, you will not go red and gain more peace and security.

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Personal loans: Know the security measures when hiring them http://www.bernardgrange.com/personal-loans-know-the-security-measures-when-hiring-them/ http://www.bernardgrange.com/personal-loans-know-the-security-measures-when-hiring-them/#respond Mon, 13 May 2019 21:04:05 +0000 http://www.bernardgrange.com/personal-loans-know-the-security-measures-when-hiring-them/ Today, more and more people are contracting loans or fast loans online. This is due to its high speed, efficiency, instant response, flexibility and comfort, since the amount needed and have it in less than 24 hours can be requested through the mobile phone itself.

However, we know that it can cause some distrust to people who are not used to its operation and who always look for a secure loan. For this reason, in Easy Credit we have created this article, so you know what are the conditions that you must take into account when applying for a fast and easy loan in a safe way.
With us you will learn what is a safe and fast loan, how you can get it and a series of practical tips that you must take into account before taking any relevant action. Let’s start!

What is a safe and fast loan?

payday loan

A secured loan is a financial transaction in which one party lends to another a sum of money determined and agreed in advance . Therefore, whoever receives the money can enjoy the economic amount that he needs, while the person who is receiving receives an interest in exchange for offering the help that person or entity needs.
For a microcredit to be safe, you have to pay attention to certain details of the company. For example, the opinions of their clients, the assessment they make of the process, as well as the treatment; the availability of the equipment, the years of experience of the endorsers and the interest rate that they usually charge. All these will be details that will help you get a safe and reliable loan.

How to get a secure loan with Easy Credit?

Credit card

With Easy Credit you can get a secure loan very easily. You just have to enter our website, select the economic amount you want to enjoy and choose the return period. Once you complete this step, our team will say if your request is accepted in less than 15 minutes. And, done this you can receive the money in your account in less than 24 hours.
For example, if you requested it in the early morning, you will have it at noon and, if you have requested it in the afternoon, you will have it in your account the next morning. Easy, fast and simple.

What are the conditions?

What are the conditions?

The conditions of a secure loan with Easy Credit are very easy to follow. We are a leading company in loans and credits, our great experience supports us, as well as our technical service, available 24 hours a day. If, even telling you this, you have doubts, consult the opinions of our clients, they will certainly help clarify the questions you may have!
The requirements that we have in Easy Credit to request a fast loan without papers are:

  • Be of age.
  • Have a bank account in Spain , demonstrable through a bank statement.
  • Have a recurring income , which can come from a payroll, scholarship or help.

As you can see, the requirements are minimal for all people to qualify for this help. In addition, we are always willing to subsidize difficult moments such as being on an ASNEF list or not having a guarantee . Our experience and our long years of work have made us trust our clients, even in the most difficult situations.

Tips for applying for a secure loan

Tips for applying for a secure loan

Ask for the money you need

Before asking for an urgent loan, think carefully about the amount you need. For this you can take a pen and paper or open a Word sheet. Write in it what is the objective of that economic amount and what is its price. So you will not ask for more than what you need and you can return it within the stipulated period along with the commissions.

Do not delay in the return

It is very important that at the time of requesting a safe loan you can return the money in the temporary term that you have chosen. Why is it so fundamental? Because if you break the contract you have signed with any company, more commissions or interest will be added to the total amount, as a penalty for breach of the agreed conditions.

Attentive to the APR and the commissions

To contract a secure loan, you should look very carefully at the interest rates, as well as other conditions that can cause your loan to inflate. So when you request the money pay attention to the APR, the Annual Equivalent Rate , since it reflects the total cost of the amount you are asking for. Therefore, interest, expenses and commissions appear in it.

Compare insurance loans

Before deciding on a loan or another, compare different types to decide for one. This way you will feel more secure and at ease when signing the contract. However, we recommend that you contract with us, since we are leaders in loans and credits. We have already granted more than 600,000, with more than 450,000 customers. Do not think about it anymore and come and be part of this great team!

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Deterioration of the Financing Conditions of SMEs http://www.bernardgrange.com/deterioration-of-the-financing-conditions-of-smes/ http://www.bernardgrange.com/deterioration-of-the-financing-conditions-of-smes/#respond Mon, 06 May 2019 20:31:37 +0000 http://www.bernardgrange.com/deterioration-of-the-financing-conditions-of-smes/

If you are an entrepreneur, spend time talking to business leaders or go to SME group meetings, you have certainly heard about the financing difficulties that are of concern to our business leaders.

Justified concern or unfounded concern?

money

The figures speak for themselves, the problem is real and long-term, as shown by a recent study of the European Central Bank for the period April – September 2014:

  • 20% of French SMEs who apply for a bank loan do not get it or get it in small part
  • 6% of French SMEs need a bank loan but do not ask for it for fear of refusal

There are therefore in France about 400 000 SMEs that need financing to invest or to strengthen their cash flow and who do not have access to bank credit . This represents a credit deficit of about 25 billion euros per year for SMEs and SMEs.

And the situation should not improve : 17% of French SMEs predict a deterioration in the conditions for obtaining bank credit from October 2014 to March 2015.

Take charge of your economy!

On Honest Lender, lend to a French SME, against interest. Discover the
projects to finance

Increasing financing needs

The bank credit deficit for SMEs comes at a time when needs are growing. Statistics from the Banque de France show that for the fifth consecutive month, banks report an increase in demand for credit from SMEs, which has not happened since 2011 :

Honest Lender’s business model is based on a dual need 

Honest Lender

The need for repressed SMEs in their loan applications and the need of individuals who are disappointed with their traditional savings investments. Our experts make a tailor-made selection of projects with an internal rating system. The projects are then financed by individuals who like to take a share of risks for the benefit of the French economy for higher returns but riskier than their savings. With our participative, win-win loan model, Honest Lender offers a fast, smart and modern financing alternative .

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Secure financing up to 3,000 euros in 60 minutes http://www.bernardgrange.com/secure-financing-up-to-3000-euros-in-60-minutes/ http://www.bernardgrange.com/secure-financing-up-to-3000-euros-in-60-minutes/#respond Fri, 05 Apr 2019 20:01:31 +0000 http://www.bernardgrange.com/secure-financing-up-to-3000-euros-in-60-minutes/ Credit request for free & without obligation Learn in a few seconds whether you get a loan or not. Immediate payment in a few minutes By flash transfer, the money will be transferred to your account within 60 minutes. No effect on her Bank Your loan request does not affect your Bank score!

Financing is the source of the financial resources needed to make an investment. In common usage, the term financing is often equated with loan financing. In fact, a financing but also from their own resources such. B. a saved credit. In this context, two main forms of financing can already be distinguished: equity financing and debt financing. The focus will be on the latter in the following.

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Who gets a loan financing?

Who gets a loan financing?

In principle, all categories of persons are eligible for loan financing: employees, students, apprentices, self-employed and freelancers. Whether a loan is granted or not depends on the creditworthiness of the respective applicant. This refers to the ability to repay a loan in accordance with contractual requirements. Difficulties always arise when the creditworthiness is not available or is classified as not good enough. If, for example, the claimant has debts from a previous financing or has a low income, this may result in a negative decision from the bank. In short: There is no financing.

Fortunately, Good Lender makes things a bit easier. Since only short-term loans are awarded for comparatively small sums, the bank’s risk is kept within narrow limits – for the benefit of the borrower, who also receives financing with a medium credit rating.

Benefits of financing through Good Lender

Benefits of financing through Good Lender

Since 2012, Good Lender grants small loans to private individuals. He was the first provider to establish such financing opportunities in Germany and can now look back on around 330,000 customers. The automated loan settlement process and the innovative credit check enable individuals to finance themselves with a short-term loan and a term of up to 30 days. Wish amounts between 100 and 3,000 euros are available.

1. Free financial calculator

The free credit calculator for financing makes it easy for customers: First, the desired amount is selected by means of a slider. Just below it can be selected in the same way, the desired financing duration between 7 and 30 days.

3. Fast financing

If necessary, we’ll credit the amount of funding to your account in just 30 minutes. Simply select the express option during the application process!

2. Bank-neutral inquiries

If you want to find out about future financing, an inquiry will be Bank-neutral in contrast to other banks. The financing request thus does not negatively impact your base credit score.

4. No long bond

Our short-term loans are repaid quickly – usually after just one month. With our financing, you will not be tied for long and keep track of your financial position.

Our advantages at a glance:

  • Fast financing payment
  • Especially favorable conditions
  • Bank-neutral financing requests
  • Credit also for consumers with a rather medium credit rating
  • Transparency through free financial calculator

Which types of financing are available?

Which types of financing are available?

Financing can be distinguished primarily according to source and duration. Loans are a form of debt financing. Here, the money does not come from their own savings, but usually from a bank.

Financing via the house bank

Many apply for their loans from their own bank. Many important data are already stored here and the relationship of trust can have a positive influence on lending, but this is not guaranteed. Because the bank knows the income and knows about any irregularities. This includes, for example, the overdrawing of a credit line.

dealer financing

But traders also lend or offer payment terms (usually 30 days), thereby boosting sales. Again and again there are actions in which so-called zero-percent financing is offered. Such offers should be conscientiously compared to other financing offers, even if they are tempting.

Online Financing

Nowadays, many loans are made online through the websites of banks and credit institutions. Good Lender has offered short-term loans since 2012 and has established this form of financing for the first time in Germany. The low sums and maturities for financing minimize interest rates and potential risks for lenders and borrowers. Incidentally, this is also the reason why people with a medium credit rating get loan financing.

How to finance a loan – The process at Good Lender

In three steps to your financing

1. Select loan amount In the first step, you select the required financing amount and the period. Our easy-to-use loan calculator is available for this, with which you can adjust the amount and duration using the slider.
The term can be between 7 and 30 days, the loan amount up to 3,000 euros. 2. Make a loan application Enter your personal data in the online form. Following the binding information, your personal credit line will be determined.
At this point you also have the opportunity to opt for our extras such as the express option. 3. For safety: verification To verify your identity, we offer the Postident or Videoident method. For the videoident method you need a webcam, which identifies you with an identity card. With the Postident procedure, the route leads you to the nearest post office to verify yourself with an identity document

Requirements for financing at Good Lender

In terms of collateral security, certain conditions must be met for quick and easy financing. You must meet the following conditions:

  • Main residence in Germany
  • German bank account
  • Age of the applicant
  • Regular income, which is 500 euros or more per month
  • plus required documents: identity card / passport and salary statement

Popular uses for financing

Popular uses for financing

 

furniture financing

 

Short to medium term financing, which can come from both the merchant and a bank. For larger purchases (eg new kitchen) it can also be a long-term financing.

 

Real estate financing

 

Long-term financing of condominiums, land or houses. Due to their size, such loans require careful planning and, in addition to a good credit rating, additional hedges in the form of residual debt insurance.

 

Cell funding

 

Short-term financing, which can be settled via dealer or a normal installment loan. In dealer financing, the purpose is limited to the purchase of the mobile phone.

 

auto financing

 

Medium to long-term financing, which can be granted by both the dealer and normal banks. In car finance, the vehicle serves as collateral and passes into the ownership of the borrower only after the loan has been fully repaid.

 

Finance relocation

 

Usually, conventional installment credits of short to medium term are used to move – depending on the size and duration of the move.

 

Finance television

 

Mostly this is a credit relationship payment term, which is given by the dealer in the form of special promotions (eg so-called zero-percent financing) and is tied to the purchase of a particular product.

Financing with immediate payment

Financing with immediate payment

Surely everyone has already experienced a similar situation: The car suddenly does not start, has to go into the workshop and does not cost. At the end of the month, there is often no money left for such a financial position.
In such situations, you can count on Good Lender as a helper in distress, because we not only offer our loan financing cheap, but if necessary, even ensure that the amount quickly finds in your account. You will receive the money for your financing after just 60 minutes.

Dealer financing or bank?

Traders often offer special promotions where they promise cheap or supposedly free financing. But it is common for interest rates to re-emerge elsewhere – price. Here it is advisable to compare the same product at several dealers and, where appropriate, to avoid funding by installment credit.

At Good Lender, in addition to our normal short-term loans, we also offer financing at two, three or six installments. If necessary, the amount is still on the same day in your account.

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