Tips for getting a loan without leaving home

Are you going through a financial squeeze and don’t know what else to do? Have you ever been to the banks just to have your loan application refused or do you find it boring to go to the bank?

What if we tell you that getting a loan without leaving home is easier than you think? That is, the situation can be solved from the comfort of your home! In this article, we present 4 tips for getting a loan without leaving home.

First, know that the entire procedure for getting a home loan is done online. You just need to facilitate approval and seek the most advantageous deal to resolve your financial issues.

Best of all, there is no paperwork on this loan option. And the whole process, besides being fast, is very safe. Curious to know how to take this credit off? Then check out our tips below.

To get a loan, search!

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First of all, you need to dedicate part of your time to research. It is important to check all the quick loans that are available on the internet. You will come to realize that there are advantages and disadvantages to weigh in most cases. For example, a particular bank or finance company has quick approval.

The problem is that, in the second analysis, this may come with higher interest rates. Therefore, the alternative is probably not so worth it. During this phase, it is also time to check the company’s reputation. After all, it is common that the best loan options are not offered by major banks. Therefore, it is worth checking in every possible way that the institution is suitable.

Make a simulation

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Something that can help determine the most advantageous choice is simulations. All online services for you to get a loan to have a tool or option that allows you to make a credit projection. So you will know in advance the installments that you must pay. This moment is also used to check if the amount you are looking for is available.

At this point, you should start making some projections, comparing the results of the simulations with your monthly budget. The amount to be paid monthly for the loan cannot compromise fixed expenses or your standard of living. Therefore, plan carefully before deciding how many installments you want to repay the loan on.

Choice for cost-benefit

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All the previous analysis aims to find the option that results in the best cost-benefit because if your financial situation is not the most comfortable, you must be cautious when taking out your loan. In the medium and long term, it must solve its debt situation, and not aggravate it.

Watch out for some requirements

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In addition to what we have already said, it is important to pay attention to some things that facilitate the release of credit. Being negative, for example, is something that often increases the rejections of an online loan.

Try to make agreements to settle the debts that have taken you to Good Finance. Another issue is that depending on the type of loan it may be necessary to collect a series of documents. Do this in advance to facilitate the process.

By following these tips to get a loan without leaving the house, you can finally leave the red. To make your request online safely and conveniently, visit our website. You will find a service specializing in secured vehicle and property loans, as well as auto finance.

We help you find the most advantageous financial institution for your needs. Find out everything about this by clicking here.

Quick loans: what are the real timelines?

 

Increasingly banks and financials advertise the possibility of obtaining a loan quickly, even in a few hours. But is it really so? In the following article I will reveal the “unspoken” of the advertising slogans and provide you with some tips to avoid being unprepared in the face of any emergencies.

What is meant by quick loans?

What is meant by quick loans?

Let us have no illusions, whether at banks or financial, physical or online, if you are a new customer and ask for a loan, hoping for a day’s disbursement in most cases is far too optimistic.

When we talk about quick or immediate loans, we usually mean that you will be able to take advantage of a quick investigation phase, even for only 24 hours and / or, once a positive result is obtained, a subsequent equally rapid disbursement (in further 24/48 hours ).

And these times, always for new customers, are respected only in the event that there is no type of hitch, namely:

  • all the required documentation was delivered in a single solution, without having to proceed with subsequent additions;
  • there are no adverse elements to the granting of the credit regarding income and creditworthiness, which means being in possession of all the minimum requirements deemed indispensable by the requested bank.

If even just one of these aspects is missing, the credit institution will inevitably have to take the time necessary to carry out further assessments, requesting, if necessary, additional documentation or guarantees. It is therefore very difficult to access fast loans to all those consumers who fall into the category of bad payers, who cannot demonstrate a constant income (with or without a paycheck) or who cannot offer any type of guarantee.

In addition, the speed of these loans, not always but often, is paid by taking on higher rates than those of a traditional loan.

In addition, the speed of these loans, not always but often, is paid by taking on higher rates than those of a traditional loan.

Things change if the loan is requested by those who are already customers of the lender requested. In this case, in fact, our economic situation is already known to the bank in question, so the preliminary phase can be much faster, even a few minutes, especially when it has already been evaluated in the past (for example for a previous request of a credit card) and when the amount you are aspiring to is low. And most of the time the application can be made directly online, from the personal area of ​​your internet banking. However, a total timing of at least 24/48 hours must be taken into account.

However, there is the possibility of preparing in advance, before actually needing liquidity, by requesting the so-called pre-valued revolving loans. More and more banks offer their account holders the opportunity to request (usually from their private internet banking area) the granting of a credit line (generally not exceeding $ 5,000) agreed in advance, but to be accessed, even only in part, when needed, by paying interest only on the part used from time to time. The reimbursement takes place with monthly debits in the current account which replenish the ceiling granted at the start. Again, pay attention to the rates applied (TAN and APR) which in some cases could be quite salty.

This form of pre-valued revolving credit can also be accessed from some account cards currently on the market.

How to organize debts? Learn how to get out of the red

Organizing expenses and having an efficient financial planning is not? The strength of many people is the result and the result could not be different: ending our hands with the red beads ! According to research carried out by Cream Capital Company and the National Confederation of Shopkeepers (CNDL), the lack of financial education?

The main explanation for the fact that one third of Brazilians? led to indebtedness. Six out of ten debtors don’t know how much they owe? which reduces the chances of getting out of the red. But for everything h? a solution. At the ? It is impossible to keep your accounts at the tip of the pencil and? recover financially ! With determination, it is possible to reformulate the management of the accounts and pay the debts. In this post we will give tips on how to organize debts and end them. Keep an eye!

Write it down, write it down, write it down

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Putting all the debts at the tip of the pencil, the interest on each loan and your expenses? the first step towards financial organization. Identifying what the expenses are? Is it possible to cut off those that are unnecessary and make your budget leaner? which means money left over, which can be used to meet your financial commitments.

So, write down everything you want. spent on the day, from a simple coffee to? a purchase at the mall, and assess which expenses can be eliminated, even temporarily, and which can be reduced. Also start to control the consumption of electricity, water and gels in your home. Review consumer habits at the supermarket and phone plans. Are you? you will feel a huge difference! If you want to have everything noted down, but in a more practical way, enter the Money Lend Capital app. When you connect your account, expenses are automatically listed and categorized. Do you doubt lists? Is it important to know where you are? are you? paying too much interest, what to be? Useful in the next tip.

Search for lower interest loans

Search for lower interest loans

Trying to renegotiate with the lender, apply for a loan with lower interest rates or bank portability are some options that can help many indebted people to pay off their debts and get out of the red. Interest rates vary widely between different financial institutions, which can benefit those who are looking for better rate conditions to negotiate a new credit and settle larger debts.

Several trustworthy institutions in the market that charge lower interest on personal loans. The case of Just , Creditas, among others. Are you? can simulate loans in various places within the Money Lend Capital app. The idea ? What with the money you borrowed? pay expensive debts, such as overdraft and credit card, and start paying less interest. See how? Is it easy to start organizing debts?

Moderate spending on leisure

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For many consumers, spending on leisure is very heavy for the pocket. Cinema, shopping, restaurants, trips, tours and many other expenses that, many times, do not fit in the budget, but even so they are still being realized. Free activities like trips? beach or walks in the park are good alternatives for those who want to have fun, however, without worrying about the huge expenses involved. Therefore, if you want to organize your debts, moderate in the leisure programs and put on the tip of the pencil what they represent for the budget.

Don’t make new lives

For many people making installment purchases d? the origin of “a real” snowball “, and for that reason this option of payment ends up being a great vile? for indebtedness. When purchases are in installments, the consumer has the false impression that he has spent little, that you didn’t see the total amount come out of your pocket (at least not immediately), what? a danger when organizing debts.

Looking to save to pay? view and still bargain a good discount for using money? an excellent advantage. For this reason, completely eliminate credit purchases and credit cards. What about ?, did you like our tips? J? found yourself wrapped up in doubts? How about helping your friends organize their debts? Then share our content on your social networks!