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NATIONALQUALITYENTERPRISE.NET nationalqualityenterprise.net based on reputation value 4.8/5 of 2323ratings.
All offers are from direct lenders Get a loan today at personalloansxi.com Cheap cash for all students and people who need fast cash advance. If you looking for fast cash please apply for cash and get the best offer in 10 minutes. Your decision now. If you like installment loan check our offer today Promotion for cheap loan is available till next month. You won't find better perosnal loan, check our today. When looking for short term installment loans it's important to find lowest arp offer on the market. We are here to help, many lenders, one place, leave your details and we will do the rest! Last update BEST PERSONAL LOAN IN WHOLE NET Last update of everything5.04.2020.
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January 2020 __No
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LOAN WITHOUT INCOME CERTIFICATES IN PRACTICE Nowadays, many loan companies operate on the Polish market, offering quick non-bank loans with a minimum of formalities. Before granting them, customers do not have to submit income declarations, which means that they receive payday cards as proof, although … not entirely. In this text, we discuss the issue of loans without income certificates, and consider the process of applying for them in practice. It is true that in most non-bank loan institutions, especially over the internet, customers do not need to provide any income statement. This does not mean, however, that they may be unemployed or have no income. They must always inform about their sources and amount in the registration form or loan application. In the event that they earn money based on an employment contract or business activity, they are often forced to provide the employer’s or company’s tax identification number, address and telephone number enabling verification of given data. If they earn income on the basis of a mandate contract or a specific task, receive a disability pension, retirement or scholarship, they must provide additional data to check these facts, e.g. student ID number. In some loan companies, e.g. Vivus, Filarum or Via SMS, the statement on the amount and frequency of achieving income and their sources contained in the registration form or application is the only form confirming the borrowing capacity of customers. Other institutions, by way of granting or rejecting a loan, carry out additional verifications of the data provided by customers. Some call the loan applicants’ employers to check if they are actually employed and if the earnings they provide are in line with the real ones. Others call the clients themselves with whom they interview the sources and amount of income, and treat the information provided during it as a legally valid oral income statement. At the moment, customers have a choice of several dozen loan companies, offering payday loans as proof with minimum formalities and without income declarations. However, they must be prepared for the fact that loan companies can verify their earnings information in many different ways. A very large number of loan companies offering payday loans online are advertised as institutions in which so-called loans without BIK are granted. Among them are such popular brands as Vivus, Via SMS, Wonga or LendOn. But what really lies behind the term “loan without BIK”? Let’s learn the facts and myths about non-bank loans without BIK. MYTH: Chwil�wki bez BIK are loans that are not checked by the customer in the Credit Information Bureau database. Virtually all non-bank companies providing short-term loans work with the Credit Information Bureau, even if they state in their marketing communications that this is not the case. Before they provide a specific client with financial support, they perform their initial verification in BIK. Based on the feedback received, they assess the applicant’s creditworthiness and the degree of credit risk. The decision to grant a loan or reject it is also dependent on what BIK says about the client, contrary to what marketing content suggests. FACT: Loans without BIK are payday loans, which a person with a negative or neutral credit history and low BIK rating can apply for. Most often, loan companies advertising loan offers without BIK verify the customer in the Credit Information Bureau database, although it can be concluded from their declarations that they do not. In fact, however, they always check the credit history and BIK scoring of the client applying for a loan, with the proviso that the result of verification in the database is not the most important factor deciding whether to grant a loan or to reject an application. Thus, companies offering payday loans without BIK can grant a loan to a customer with a negative credit history, lack of credit or low scoring. FACT: Companies offering loans without BIK pay more attention to entries in other databases and registers Non-bank loan companies that offer loans without BIK often pay more attention to entries from Economic Information Bureaus – Info Monitor, National Debt Register or European Register of Financial Information when assessing clients’ creditworthiness. These are institutions that collect data on debts and liabilities in a slightly different form than BIK. For many loan companies, information obtained from BIGs is clearer and more practical than those provided by BIK. MYTH: Details of loans taken out without BIK are not recorded in the Credit Information Bureau The Credit Information Bureau collects data from all companies that cooperate with it. Nowadays, it has information about the debtor’s liabilities incurred from bank loans, installment purchases, subscriptions for services (especially telecommunications and energy) and loans, including non-bank loans. This means that information on taking out a loan without BIK and its repayment process is registered in the Credit Information Bureau and the customer cannot count on it not appearing in the database. To sum up, payday loans without BIK do not really exist. Financial assistance without checking and registering in the Credit Information Bureau database can only be obtained if a private loan is used. This does not mean, however, that people with no credit history, with negative entries or low scoring have no chance of obtaining a positive decision on granting a loan. Often, these are the “loans without BIK” offers addressed to them.Continue Reading
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January 2020 __No
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LOAN AGREEMENT, WHAT TO LOOK FOR? The customer rarely reads and understands the contents of the loan agreement when applying for payday loans. He makes a huge mistake. He should get acquainted with the loan agreement at the stage of choosing a loan company, and at the latest when he decides to apply for financial assistance from a particular lender. Which contractual provisions should pay particular attention to and why? About this in this article. A very important part of the loan agreement is the one about the possibility of withdrawing from it within 24 hours, several days or two weeks from its conclusion. Actually, every loan company operating in accordance with the law should have it in the content of the contract. It allows you to withdraw from the loan agreement and return the loan amount within the time limit acceptable for withdrawal, without having to pay any fees associated with its granting, such as commissions or interest. In practice, this point of the loan agreement gives you the opportunity to take advantage of free funds for a shorter period of time, which may be a good solution for many loan company clients. The conditions of early repayment described in the loan agreement are also significant. It is worth looking for the most favorable records concerning them. For example, those regarding the redemption of part of the interest or commission on the occasion of early repayment of the loan. They are very important because they can significantly reduce the total cost of the loan if it is repaid ahead of schedule. It should be remembered that the lack of such records is tantamount to the fact that the loan company is operating unlawfully! Each non-bank loan agreement should also contain provisions regarding the conditions and options for extending its repayment period. Their content may be particularly important for people with unstable financial situation who are not sure whether they will be able to pay back the loan on time. They will learn from it whether and how they can postpone the repayment date and how much it will cost. People who expect problems with repayment should also particularly intensively analyze the ways of collecting debts and the costs resulting from them. Reminders about unpaid loans, both in the form of an ordinary and registered mail, as well as e-mails and text messages are always payable and increase the total cost of the loan. In the loan agreement, all provisions about its cost are also extremely important. The content of the loan agreement should include information on the total actual annual interest rate, including all interest, commissions and costs. Warning! Non-bank loan and payday loans agreements also contain provisions about additional fees charged in various situations for various reasons. It should be particularly looked at and considered their legitimacy before accepting the contractual terms. Each loan contract must be read and analyzed. It is worth paying attention to the provisions related to withdrawal from the contract, earlier and later repayment and debt collection. It is also good to take a closer look at the fragments detailing the cost of the loan, which will clearly explain what, why and when the customer must pay. Customers of companies providing short-term non-bank loans often have problems paying them back. They wake up with the proverbial hand in the potty when, on repayment days, they do not have sufficient funds to repay the loans. As a result, they don’t pay them back on time and wonder what to do next. We advise what awaits them and how they should act in such a situation. Non-bank companies inform customers about outstanding loans on the next business days following the repayment dates. They usually send them e-mail notifications and SMS messages reminding them of the overdue payment deadline. They add the cost of shipping to the total amounts to be repaid. In such reminders, loan companies usually provide information about the possibility of extending loan repayment periods. It is not worth using them. Why? Because the costs of monthly debt collection with interest are lower than the fees for extending loans! So if you have temporary financial problems, it’s worth just to wait them out. Intensive debt collection begins only when customers do not repay loans 30 days after their repayment dates. Then, on average, every three days, they are sent further paid reminders in the form of SMS and e-mail, and after about a month the first letters encouraging to pay the amounts due under the pain of submitting cases for external debt collection. Sixty days after the repayment deadlines, the clients of the loan companies are entered on the list of debtors in BIGs. People with financial problems should report to loan companies with amicable solutions before this crucial moment occurs. They can offer lenders new repayment terms, for example in installments. Often, their proposals are accepted, after all, all loan companies want the borrowed money to come back to them. The worst happens when customers ignore letters and SMS notifications from lenders for a long time, as a consequence of which they eventually receive registered items from external debt collection companies. Not only are they entered in the same way in all registers of debtors, but also the sums of fees increase significantly, because they are connected with horrendous debt collection costs generated by companies collecting debts. However, even at this stage it is worth trying to get along, negotiate favorable terms of debt repayment. Thus, you can avoid the last resort, i.e. referring cases to court. In summary, if you have not repaid the loan on time, do not worry too much and do not extend the repayment period. Wait 30 days and try to pay back the amount due, slightly increased by debt collection costs and statutory low interest. If you do not succeed, do not wait for more than a month with the desire to settle the matter amicably – when 60 days have passed since the loan repayment date, you will be entered on the list of debtors and your case will probably go to external debt collection. Either head up, you will definitely be able to somehow deal with the repayment of the commitment.Continue Reading
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January 2020 __No
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WHAT CONDITIONS MUST BE MET TO GET A PERSONAL LOANS? Loan companies operate outside the banking sector and grant loans on a much smaller number of formalities than required by the bank’s credit process. However, it is a mistake to say that such companies will grant loans to everyone, without exception. Taking care of your loan portfolio, the majority of respected loan companies operating on the Polish market pay loans responsibly. This means that to some extent it examines the customer’s creditworthiness and controls whether he has debts due to other financial liabilities. The advantage of perosnal loans from companies operating outside the banking sector is, among other things, that you must meet the minimum formalities to obtain them. In many cases, a copy of the ID card and loan application is enough for the lender to consider whether to grant a loan to the client or not. The lending process in banks is much more complicated and often requires submitting a whole bunch of personal and financial documents so that the bank finally calculates the customer’s creditworthiness and issues a credit decision. The loan application, with personal details provided, identity card number, bank account number, telephone number and number is the basis for granting the loan in most parabanks. However, there are also borrowers who will require additional documents to be able to grant loans. Such documents include ID card or other document with photo, statement or certificate on the amount of income obtained, certificate from the employer about employment or a copy of the utility bill from the last period. Going a step further, the lenders are asking to send a copy of the last PIT tax return or agreement with the bank with which the client has signed a personal account agreement. If the borrower earns income not from work but from a business, disability or retirement pension, the formalities required by the parabank may be slightly different. The lender may require a decision on the award of a retirement or disability pension, the last pension or company account statement and a certificate from the register of entrepreneurs. It all depends on the internal policy of the parabank where we want to take out a loan. It can be obtained online without showing many documents, but most often such a commitment will be more expensive than the one granted by the loan company that carries out a meticulous credit process based on the documents presented by the client. Becoming an adult is usually not enough to take out a payday loan. Despite the fact that being 18 years old decides that a given person will acquire full legal capacity, the lender may not decide to lend money to such a person. The vast majority of loan companies require that the borrower is at least 20-21 years old when submitting the loan application. Few companies are willing to grant a loan to a person aged 18-19. There is also an upper age limit for which loans are granted. The customer cannot be more than about 65-70 years old at the time of repayment. Parabanks in Poland, regardless of whether they provide payday loans online or during a personal meeting with a client, direct their offer only to citizens of the Republic of Poland, who have permanent residence in the country. Therefore, foreigners cannot successfully apply for a loan from a non-bank company. The requirement for borrowers is also to have a mobile number registered for a specific person and to have a bank account in the name of the borrower. Both the telephone and the bank account are used to verify the identity of the applicant for the loan. Therefore, the bank account from which the customer makes the verification transfer must be registered to the borrower. In addition, before granting the loan, the company will check whether the person is not listed in the debtors’ database – in BIG or KRD. In addition to the interest rate on the loan obligation, loan companies very often place information on the APRC loan. This parameter can be even several or tens of thousands of percent. Customers have problems with its interpretation, because the interest rate offered on a given loan by a parabank is usually much lower. Meanwhile, the APRC is the abbreviation for Annual Real Interest Rate. This is a measure of the cost of credit as set out in the Consumer Credit Act. It includes all the costs of the loan, not just the interest rate itself, which currently cannot be higher than 16%. per year – four times the Lombard rate of the National Bank of Poland, determined by the Monetary Policy Council. The actual interest rate on a loan or credit is more reliable than the nominal interest rate, as it also includes all fees that the borrower will have to pay. In the bank offers, the APRC is mandatory, but loan companies also indicate the same factor in their offers. APRC allows for effective comparison of loan and credit offers. The APRC amount is influenced by the interest rate on the loan, additional costs incurred by the borrower and the time value of money. Even if the lender did not charge any additional fees, but only interest, it would not be equal to the APRC. With payday loans, even several thousand percent of APRC does not mean that the customer is forced to give the lender a multiple of the amount borrowed. Usually loans of this type are granted for a very short period of time, for example for 15 or 30 days. So if we borrow PLN 500 for 30 days and return PLN 650 to the parabank after a month, this does not seem to us a large amount. However, when we convert 150 PLN fees and interest on an annual basis, it turns out that the APRC is over 3000 percent.Continue Reading
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January 2020 __No
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AT WHAT TIME CAN I GET A LOAN? One of the advantages of non-bank loans is the speed at which the customer can get money from the loan to their bank account. In many cases, even within a dozen or so minutes, you can get this payday loan. What will determine the speed of issuing a credit decision and the payment of money from a payday loan? Extra quick payday loans As the name suggests, payday loans are granted in a very short time, but not every customer will be able to take advantage of this simplified procedure for granting non-bank loans. The fastest loans are granted online, which require a remote contact of the client with the loan company. Especially if the customer does not use the offer of the same loan company for the first time. He can apply for a loan and receive a loan decision within a few minutes. If he has a bank account in the same bank where the account runs a parabank, he will receive a loan in real time. It all depends on the customer and bank behavior Often clients of personal loan companies complain that they cannot take out a non-bank loan at the time they would like. Nonetheless, payday loans are actually only available to customers who strictly follow the rules for providing payday loans, as indicated, for example, on the institution’s website. The condition for granting a loan in literally several minutes is correct registration in the loan system and verification of the borrower’s identity. This, in turn, consists of transferring to the account of a para-banking company, from the client’s personal account indicated in the loan application, a symbolic amount – 1 PLN or 1 penny. Thanks to this, the lender is able to check if the person applying for the loan is who he or she claims to be. In addition, the borrower must send his application to the loan company, providing all the data desired by the parabank. Failure to do so unfortunately extends the time needed to issue a credit decision and to pay the loan. Generally, lending companies, just like banks, cannot charge customers lending money from them interest higher than four times the Lombard rate of the National Bank of Poland. Currently, the Monetary Policy Council has set this rate at 4.00 percent, which is why the maximum interest rate on credit and personal loan obligations permitted by the Anti-Mortgage Act in Poland is 16 percent. per year. However, the Act does not set an upper limit on the fees associated with the loan. Officially, therefore, she may have an interest rate of 16 percent. per year, but in practice the customer will have to pay a lot more for such a loan. The most reliable parameter determining the cost of a non-bank loan is the Annual Real Interest Rate. In many cases in Polish non-bank companies or lenders operating on the Polish market, the so-called payday loans, APRC loans can reach tens of thousands of percent. The borrower does not feel this because the loan is for example for a period of 7 or 14 days and its interest is lower than the borrowed amount. However, if you recalculate them on an annual basis, they would be many times higher than the loan amount. A personal loan company must make a living by providing loans because its business is commercial. Therefore, in addition to interest, it may charge a number of other fees and commissions. At the beginning the customer will pay a commission for joining the loan. This is a certain percentage of the loan amount, e.g. 5% In addition to such a fee, the client pays administrative fees or a fee for delivering money to the address indicated. The largest costs will, however, be borne by the client of the loan company, when he wants to extend the loan repayment period, or without applying for its extension, he will repay the loan after the deadline. Each letter of debt enforcement and recovery sent is a cost to the customer, which is why non-bank loans can be very expensive. On the other hand, many loan companies have the “First loan for free” promotions. If the lender repays, for example, PLN 500 in 7 days, he will not pay any interest or additional fees for his first loan. So he will return the lender as much as he borrowed.Continue Reading
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January 2020 __No
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HOW TO GET A LOAN FROM A NON-BANK COMPANY? Loan companies operate outside the banking sector and supervision by the Commission for Banking Supervision. Therefore, they do not have to, among other things, control the client’s credit history in the Credit Information Bureau before issuing the decision to pay the loan. The criteria that the borrower must meet are much less restrictive than at banks. To take out a loan from a non-bank company, it is usually enough to complete the electronic form available on the lender’s website, and then verify your identity in the manner indicated, including via verification transfer to a parabank account. To fill out the loan application form, the borrower will only need personal data from his / her ID card, the bank account number that is registered on it and the mobile number also belonging to him. On the basis of the statement on the amount and source of income, the lender issues a credit decision, checking only if the customer is not a debtor entered in the database of the Economic Information Bureau or the database of the National Register of Debtors. Some loan companies, e.g. Wonga, have a contract with BIK and provide information about their borrowers, while using the data collected in BIK. Thanks to this, they borrow money only to those who can afford a loan. There are loan companies that accept paper loan applications, such as Provident, for example, offering a loan with the support of an individual advisor. The loan advisor makes an appointment with the borrower, signs all documents with him and pays out the loan. Later, the advisor repays the liability with accrued interest. Generally, however, the sphere of non-bank loans is developing the most on the Internet, thanks to which you can apply for a loan without leaving your home. Sometimes, when submitting an application to a loan company, the borrower will be asked to show a certificate of income or a photocopy of an ID card and a copy of the last utility bill. On this basis, the creditworthiness of the potential borrower in the loan company is confirmed and calculated.Continue Reading
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