My WordPress Blog Mon, 01 Apr 2019 05:11:50 +0000 en-US hourly 1 Consolidation of Payday Loans Mon, 01 Apr 2019 05:11:50 +0000

Regain financial liquidity – Consolidation of Payday Loans

Regain financial liquidity - Consolidation of Payday Loans

Consolidation of payday loans gives you the opportunity to pay off your payday loans and spread out the installments for a longer period of time – up to 36 months. Thanks to consolidation you can regain financial liquidity and even get an additional amount of cash. See for the scoop

Consolidation of paydan loan Loadybank is an offer addressed to all customers from Loadybank and the province who want to convert expensive payday loans into one cash loan spread over installments. In this way, we will reduce your installments by combining payday loans into one loan spread over a longer period of time. This is the best solution for everyone who is in the debt loop.

If you pay off expensive payday loans, which you renew every month, you probably have enough of a dozen installments a month. In this situation, consolidation of payday loans is the best solution. Watermax is a good solution only on the condition that after a month we are able to pay off the entire amount borrowed. In the event that we take more time to cover current liabilities, the financial situation begins to get out of control. Such a way of working practically always ends with serious financial problems.

 konsolidacja chwilówek łódź, chwilówki na raty łódź

It is difficult to maintain financial liquidity when the amount of installments exceeds the amount of monthly income. Consolidation of payday loans is often the only way to avoid bailiffs and regain financial liquidity.

We do not charge commissions, we do not check Retrodatabase, we accept all sources of income even undocumented, we do not require guarantors or collateral.

Up to PLN 10,000 is enough to prove your personal identity, with higher amounts you will need to confirm your employment.

  • in our offer more than 30 reliable loan companies
  • loan amount up to PLN 20,000
  • without checking Retrodatabase
  • interest rate from 10% – the lowest interest rate in Łódź
  • long loan period – up to 48 months
  • no minimum income


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How to Repay the Loan without Problem Wed, 20 Feb 2019 03:02:55 +0000


Facilitated procedures have become a major loop for the people – no employment contract, no employer note, no bank account statements are required. Everything happens within minutes, and you do not even have to leave the comfort and comfort of your own home. As a result of this, many Bulgarians have been able to benefit from the offer they have made. See for an observation

Of course, let’s not forget something very important, which we must really think carefully before withdrawing money, namely our ability to service the loan in the future. If you have even minimal doubts, our advice is to leave things as they are and to look for another alternative to fill the gap in the budget.

If you want to be a regular payer, try to comply with the pre-defined repayment terms. If you have a single difficulty, tell a company employee and arrange another date that is convenient for you.

What if he does not return the loan on time?

What if he does not return the loan on time?

Following the financial crisis in our country, a growing number of Bulgarians are relying on micro-credit services. Loss in arrears is a common occurrence, which should be discussed in the following lines. If you are a user who has taken advantage of a quick loan that you later fail to service, then your credit file is automatically degraded.

Many citizens were left with no income when the labor market was sharply changed, and as a result, not a small portion of the loans became non-performing – fast, consumer, mortgage and others.


If a customer of a non-bank financial company falls into arrears, the following is being done:

  • An employee of the bank notifies the borrower of the upcoming installment by call or SMS;
  • Critical interest rates, the size of which is significantly higher than the standard ones, are accrued;
  • If after 90 days the loan continues to be non-served, keep in mind that interest accrues infinitely and calls are increasing.


Therefore, it is our advice to all of you to read carefully the treaty that is provided to you. We are aware that a large number of users are not scrutinizing the documents carefully because of the increased desire to become owners of the amount granted. This, however, leads to complication of life and becoming a debtor of a financial organization. Take out a loan only in cases where you are sure you can serve it regularly.



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Everything about Fast Cash Loans Tue, 15 Jan 2019 03:23:02 +0000

Image result for fast cash loans

One of the most famous and correct non-bank institutions is Cash Loan. The company offers a quick release of your requested cash. Everything happens within 6 minutes. It sounds great, is not it? You can take advantage of the withdrawal of funds from 100 to 2000 leva . The only thing that is required of you is to provide an ID. The story is on

You can apply in a convenient way – online, at 0800 20 088, at Viber or at one of our offices located on the territory of the country. We have 70 offices located in one of the largest cities and we do not cease to develop. Apart from Bulgaria, we work in other large and great countries in Europe, Africa, Asia and the Middle East.

How many credits can I download?

How many credits can I download?

This is one of the key questions asked by consumers. To be as useful as possible to those of you who are interested in how much a loan they can withdraw from us, then we will answer them – one. Every consumer, regardless of how much untapped debts he has to other companies, if you have a current debt in this company, you can not take advantage of a second loan.

These are part of the company’s conditions that you can read on the page. If you have any further questions, we advise you not to hesitate but to contact an employee of the designated telephone number who will answer any of your inquiries.

Can I get a loan from Bank if I already have a debt in another company

Can I get a loan from Bank if I already have a debt in another company

Yes, you can take advantage of the services of our company, regardless of the number of your obligations to other micro-crediting companies. We are willing to lend a hand to everyone by voting on his trust, which we hope will justify with time. We do not take into account the fact that you have a current obligation to another company, as we assume that a person is likely to be in a difficult situation that forces him to borrow money from several places.

Do you want to feel independent and free to live your life just as you like yourself? We offer you the exceptional opportunity to solve your problems yourself, regardless of their complexity. Do you need fresh money to fill a hole in your budget? Trust us and guarantee that you will not regret the choice made.


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Choosing a Mortgage Loan Sat, 05 Jan 2019 02:47:56 +0000


Congratulations! You have purchased a new home. Which mortgage loan do you choose? The monthly costs depend on the amount you borrow, the interest rate and the type of mortgage loan. A mortgage loan advisor helps you to choose the right mortgage loan. With this information you are well prepared for the interview. for clarification

For new mortgage loans you can only deduct the interest under certain conditions. You must repay the mortgage loan in 30 years according to at least an annuity scheme. The linear and annuity mortgage loan are therefore now the most attractive types of mortgage loan.


Security for the financier

Security for the financier

Before a lender provides you with a mortgage loan, he looks at two things:

  • Your income: can you pay the interest and repayment?
  • The value of the house: if you can no longer pay the mortgage loan payments, the lender can sell the house. With the proceeds he can then pay the debt.

This gives the lender more security. The interest rate can therefore be reasonably low, compared to, for example, a personal loan. mortgage loan providers must adhere to financing burden percentages (2019). These have been determined by the government. The financing burden percentage is that part of the income that can be used to a maximum of mortgage loan payments. Nibud advises the government on the level of these percentages.


Maximum is not always appropriate

The mortgage loan may not exceed 100% of the value of the home (2019). So you can not co-finance purchase and renovation costs! The exception to this rule is the financing of energy-saving measures (eg roof insulation). Some financiers also offer a discount on the interest rate for such measures. Check with your adviser.

In the case of two-earner households, the second income in 2019 can count for 0.7 when determining the financing burden percentage for the maximum mortgage loan amount.

mortgage loan providers test against legal loan standards how much a household can borrow. Because these standards are based on average budgets, it is possible that the monthly costs do not fit well into your budget. A maximum mortgage loan means substantial savings. Especially if you have specific costs or wishes. Therefore, always look to see if the mortgage loan payments match your own situation and wishes, let us advise you on this. 


Reduce mortgage loan costs

Reduce mortgage loan costs

There are possibilities to reduce your mortgage loan costs. These are the mortgage loan interest deduction and the National mortgage loan Guarantee.

mortgage loan interest relief

The interest on a mortgage loan for the first owner-occupied home is tax-deductible under certain conditions. If at least you use the loan to purchase or improve your home. That saves you a lot of money: between 36 and 49 percent of interest costs. This percentage depends on your income: the higher the income, the greater the benefit.

You can only use interest deduction for new mortgage loans on linear and annuity mortgage loans. For existing mortgage loans interest deduction remains possible in all forms. Your mortgage loan advisor can advise you on this.

Note: the repayment of a mortgage loan is not deductible for the tax, it only concerns the interest.

Tip: Do you have extra savings? With a repayment-free mortgage loan, it can be profitable to repay (part of) your mortgage loan in the interim.

Interest rate fixed

You have to pay interest on the debt that is still outstanding. Often you can fix the interest for a number of years. At the end of this period, the interest rate is adjusted to the then current interest rate. It can be higher or lower than what you pay now. If you fix interest rates for more than 10 years, you can borrow a higher amount than if you fix interest rates of less than 10 years.

National mortgage loan Guarantee

When you take out a mortgage loan with a National mortgage loan Guarantee (NHG), the NHG will take over the remaining debt from the mortgage loan lender in case of payment problems. The issuer therefore always gets paid. That is why the mortgage loan interest rate for mortgage loans with NHG can be lower. In certain cases, the NHG can subsequently cancel the residual debt.


Movie: What is the National mortgage loan Guarantee?

Movie: What is the National mortgage loan Guarantee?

Finance expense percentages

mortgage loans with National mortgage loan Guarantee (NHG) must adhere to the financing burden percentages . This is the part of the income that can be used to a maximum of mortgage loan costs. This arrangement prevents that irresponsibly high mortgage loans are provided. This reduces the risk of forced sales and a residual debt. This is advantageous for mortgage loan lenders and home sellers.


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