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Increase in demand for loans in the SME sector

From January to March, the demand for loans reported by small and medium enterprises increased by 24% and 16% respectively. Such conclusions result from GHL research conducted in cooperation with 25 banks, whose total share of claims on enterprises and households in the banking sector portfolio is about 86%.

– GHL data is the best evidence that Polish entrepreneurs are convinced that external financing can be used to achieve their own business goals – says Mark Dule, a financial advisor working with companies.

Credit policy has encouraged

Credit policy has encouraged

One of the factors determining the popularity of loans among small and medium-sized enterprises was the relatively stable policy of banks. As expected from the previous quarter, the terms of cooperation in this regard did not change significantly in the first months of the year.

– Security of financing conditions is crucial in making this type of decision. Regardless of whether they are people who have been using such products for many years or just want to develop their business – says Mark Dule.

It is true that some financial institutions admitted that during this period they increased the margins for higher-risk loans and increased non-interest loan costs, but these changes resulted from worrying analyzes of the situation of the largest borrowers – mainly from the mining sector and concerned rather large enterprises.

Development is the greatest motivation

Development is the greatest motivation

The stability of lending rules coincided with a greater demand from companies for financing inventory and working capital. Does this mean that smaller companies will be convinced to use banking services?

We would like to remind you that currently only 25% of micro companies (employing up to 10 employees) use external financing (according to the Pekao SA report). When we look at the data of small businesses, 50% of them declare taking loans.

If the announcements of the GHL data declarations come true and in the second and third quarters the banks relax the lending policy for SMEs, the number of micro and small companies that are tempted to support the bank may increase, says Mark Dule.

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Documents needed for taking payday loans

ID card for payday loans

ID card for payday loans

The name itself indicates that you will need an ID card to complete the loan form. The most important data that we should accurately write down from the proof is the number and its series as well as our pesel number. Do not try to supplement this data from memory, just a small mistake is enough to reject our application.

An active cell phone

An active cell phone

Providing the correct phone number is necessary because many loan companies contact us by phone in case of any doubts or finding an error in the application. Let’s receive calls from numbers unknown to us, especially when we are waiting for a loan decision.

Email address in the loan application

Email address in the loan application

The application should include the e-mail address to which we remember the password. Some loan companies, including MatciCash or MiniCredit, first require new customers to register on the site. After completing the short form, an email with a link is sent to us, which you can click to complete the loan application.

Online bank account

Online bank account

Most non-bank institutions, in order to confirm the accuracy of the data provided in the application, ask us to perform a verification transfer, in such cases access to an online account is not a requirement. There are also companies on the market that have other ways to confirm data. Among such ways we can distinguish Eicredit and its “connect account”, which is part of the loan application. This means that when filling out the online loan application, we connect to our account via an encrypted connection. Thanks to this, the loan company can compare data even when our account is completely empty. For this, however, you must have online account access.

The five elements mentioned above are necessary to correctly complete the application for a quick internet payday loan. Loan companies have different processes of granting funds, however, most of them are guided primarily by the security of both their own and their clients, so they thoroughly verify the completed data. We should remember to fill each loan application in focus and check the correctness of the completed fields.

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Broker buying back credit and pooling loans

Broker in credit buyback and credit consolidation

The credit and loan consolidation broker is an expert who allows you to buy back your debts through a bank with which he is in contact.

Real estate loans and consumer loans represent amounts of monthly payments that can seriously complicate the end of the month. The repurchase of the credits in their entirety can be regrouped in one and the same credit, after checking the opportunity of such a banking operation. In principle, the one and only monthly payment will be drastically reduced in order to lighten the household budget.

Broker Redeeming real estate loans

loan

First of all the home loan credit redemption is the simplest bank transaction. The bank buys back the borrower’s debt by repaying the advance loan in the competing lender. Once the transaction has been completed, the total cost will be transferred to a new real estate loan that retains the same object to be financed by updating the financing conditions. It is not uncommon for the transaction to be the operation to be beneficial in the rate. Indeed, the fall in rates is such that substantial savings are realized on this occasion.

Broker Regroupement of credits

credit

The loan pooling broker is studying the possibility of prepaying a series of loans for financing purposes. He can turn to a personal loan or a consumer credit plus home loans or even professional loans. The primary goal will be to increase repayment capacity to the borrower who does not live well before all these monthly payments of another time.

Before embarking on the new money loans, the broker will make the redemption simulation in order to restore the purchasing power of a share by reducing the amount of the new and unique monthly payment adapted to your current project.

Real estate loan buyouts are offered to banking partners who specialize in this technique. The broker does not lose sight of getting the best rates, which must be specified in recent times are not a problem given the steady decline in rates.

In general, consumer credit is often cited as a target for household debt. Indeed, the amounts of these consumer loans are not very important a priori, but also of short duration, thus increasing the household expenses.

Household debt distress

debt

The concern with these additional credits strains the budget for relative capital after all. these credits are distributed by the merchant at the same time as the household appliances very often. Also the financial situation can not be observed in more detail. The loan offer is in all respects compliant, yet is it adapted to your situation. Applying to a broker is not essential, but in this situation when the debt ratio flirts with the 40% the advice becomes a recommendation.

Very often the broker analyzes the first conso credits that serve just to see a little everything, including the loan work because of its simplicity. The repurchase case aims at the repayment of the credits, by carrying out banking operations with the banking partners specialized in this kind of transactions.

Find a loan buyback broker and grouping

loan

The peculiarity of this credit consolidation operation lies in the application of the SCRIVENER law 1 and 2. There can be no question of missing this transaction by an excess of optimism. Also, do not be offended that the broker asks you your payslips, your last three months of account statements, he insists on your personal data, on your family situation and of course the household expenses.

The broker will be vigilant about the causes of this debt. The banking operation must succeed and in no way worsen your new situation.

A broker advises you for free and no money can be requested before the release of the loans.