Monthly Archives: May 2019

Simulate your personal loan at the best rate

Finance your project with a personal loan

Finance your project with a personal loan

Want to travel, do work, a new car or used, need to make a purchase? Today, thanks to a personal loan without justification, finance your project. Solucredit helps you find the best rates in Belgium and Luxembourg.

How to get a personal loan?

How to get a personal loan?

Also known as “consumer credit” or “installment loan”, the personal loan allows you to have access to a sum of money that you can use in all situations, either for a particular purchase (auto, furniture, works, etc.), either to finance various projects (studies, marriage, holidays, etc.), or to cope with an unforeseen expense such as an illness.

Are you looking for credit? Betting on a personal loan gives you other benefits, including the ability to choose the amount you want to borrow and the number of monthly payments. To do this, you will not be obliged to mention your projects or justify them with invoices. Moreover, you will not have to pay additional fees, the application fees being offered for the personal loan.

That’s not all, opt for a loan is also give yourself the opportunity to repay your credit in advance, in part or in full, in accordance with regulations.

How much to borrow on credit and at what rate?

How much to borrow on credit and at what rate?

For the personal loan, the minimum amount available is 2,500 euros. While some organizations can provide up to 100,000 euros, others limit the amounts borrowed to 75,000 euros. Reason why, it is useful to compare the offers of personal loan. The same applies to the APR, or annual percentage rate of charge, which varies between 5% and 15% of the total value of the loan.

How to choose your personal loan?

How to choose your personal loan?

Several points need to be studied to avoid making bad credit records, namely:

  • The duration of the credit

    How long will you put in to pay the full amount. The duration of the loan is determined according to the amount borrowed and the duration of the repayments (from a minimum of 12 months to a maximum of 84 months).

  • The amount of your monthly payments

    How much will you pay back every month? Tip: Make sure your monthly payments do not exceed 30% of your income.

  • APR or Global Effective Annual Rate

    It defines all the expenses that will cause your credit. Use it to compare the offers that are available to you. In this type of credit, a fixed rate will always apply.

  • The outstanding balance insurance

    It is responsible for covering the repayment of your loan in case of unexpected (illness, accident, loss of employment,…). Your credit agency can offer you one but nothing prevents you to take one from a specialized insurance company.

  • The total cost

    The total amount will depend on the amount you intend to borrow, the length of its repayment, the APRC and the insurance you have chosen.

Why use a consumer credit comparator?

By using an online credit simulator, you will be able to simulate different types of loans, including personal loans, by choosing an amount and a repayment period adapted to your situation.

Then you can compare offers to quickly get your hands on the loan that will cost you the least. It should be noted that online credit simulation is a free, no-obligation approach, as is the comparison of loan offers.

Following a simulation, you can make a request, always online, to get an offer to receive the money quickly. Beforehand, you will have to mention the amount you want to borrow, the interest rate and the repayment terms. Then, it will be necessary to wait a little longer, that the credit organization validates it.

Interior design, purchase of an equipped kitchen, transformations, purchase of a second vehicle (see also new or used car loan ), trips abroad, marriage… Who among us, has not already had at least one of these projects?

With our online credit comparison tool, you will be able to cope financially!

With our online credit comparison tool, you will be able to cope financially!

Your request will be handled by real professionals who work with all the financial organizations in the country and with whom they will defend your case.
We are at your disposal, every day. We process your request in an immediate, efficient and discreet manner.
Being able to count on a financial boost can be very useful. It is also possible to borrow with credit cards.

What are the possible solutions to borrow without proof of use?

What are the possible solutions to borrow without proof of use?

Using consumer credit can have multiple benefits, including financial benefits. However, like any type of credit, it causes interest in addition to repayments.

In order to better manage your budget and avoid financial turmoil, it is always recommended to calculate the cost of a loan in advance.

The parameters to take into account for offers

The parameters to take into account for offers

It is essential to know certain criteria in order to simulate the cost that your request may incur. The first element that will affect the cost of your loan is the price of the property you are considering. 

To this is added the amount of your personal contribution. From these two parameters, you will be able to determine the amount to borrow. Above all, avoid making a bad estimate as this can have a big impact on the refund.

Once you have made your estimate, find out about the APR, or the annual percentage rate of charge, which includes all of your credit costs.

The APR usually includes the guarantee fees, the insurance or the handling fees. Once the estimate is made and the APR determined, you just have to determine the number of monthly payments, depending on the repayment period of the desired personal loan.

How to subscribe to a fast personal loan?

How to subscribe to a fast personal loan?

Having a quick personal loan is a great alternative for getting a quick start, starting your project or dealing with a financial emergency.

Focus on the fast personal loan and how it works

Focus on the fast personal loan and how it works

Projects in sight? Need a credit fast? Applying for a loan at the bank can be really difficult. The processes are sometimes complicated and annoying. Know that it is possible to request a quick personal loan, which will allow you to solve your money problems or make your projects a reality. Zoom on this new borrowing option.

How to make a quick personal loan?

The request for a personal loan is always done online, in order to facilitate the application process as well as all the administrative procedures. The fast personal loan does not offer the same amounts as conventional loans. Its “urgent” nature encourages banks to check the credibility of the borrower and ensure that they give credit to the right person. That is, the one that will be able to repay the requested credit in a timely manner. The fast personal loan is mainly allocated to people unable to provide a proof of stable and sufficient income. This is an unallocated credit. Nevertheless, the borrower must give proof of income to insure the bank, its seriousness and its willingness to repay it.

Personal loan online: the financial terms?

A personal online credit can claim about 75,000 euros, depending on the applicant’s financial profile and the size of the project. The loan is granted, if the borrower has a credible financial profile and makes sure to be able to repay the credit between 6 to 96 months. Unlike conventional loans, the interest rate will be much more interesting because the demand is not directed solely to a single purchase of property in particular. This can go up from 4.5 to 9.5%.

Fast personal loan online: how to apply?

In general, the loan online is obtained after 24h to 48h. To apply for it, you have to fill out a fairly short online form. The latter is available on the websites of the lending institutions. When the form is completed, the organization will review the file.
If all the information is correct, the organization responds to the request as soon as possible. To obtain a favorable response from the bank, it is imperative to provide the financial institution with all the required supporting documents. This allows him to prove that the profile of the borrower is reliable. Without all these documents, the lending agency can not formulate a definitive and rapid response (between three to four days).

The steps to take for your personal loan

There are three steps to follow. First, make the comparison to find available loan offers based on your profile. Then go through a personal loan simulator to have on hand all the information you will need to make your choice. And finally, you will have to negotiate, in order to have a contract with the best organization able to help you get the loan you need.

Guarantees with your credit agreement

For the bank to be favorable to the request, all the guarantees necessary for the reliability of the file must be provided. It is important that you do not get stuck at the National Bank, that you have a stable job and that your credits do not exceed 33%.
To get an answer as quickly as possible, you must also be reactive when setting up your file. You must, among other things, provide proof of identity, proof of address, proof of income, employment contract. You must have them in digital version and always available. Ask for a personal loan for your home?

Very fast online credit vs fast loan in Belgium

Financing your project quickly Nowadays, requests for fast credit are becoming more and more numerous. Indeed, any household may need cash for different reasons: the choice of an express credit is one of the solutions we give you. Indeed, yubanker Credit uses technological advances of analysis of the requests for credits which make it possible to finance in a fast way your project: You obtain an instant basic solution at the end of your request in lignen We provide an electronic signature module as well A dematerialization space allowing you to upload your documents online even with your nomad! Take advantage of our system to have easy credit.

Solution for emergency loan

Solution for emergency loan

 

Is obtaining credit fast? nWith the crisis that France experienced in 2008, credit and other banking institutions became much more cautious when it came to proposing an absorption credit. To have a fast credit, the solution is now on the web. it is a proven fact, by accessing the offers of various credit agencies, it is easier and more effective to find an answer.Well think before borrowing in the urgencenWhen one seeks to receive a credit so fast, do not forget to be careful. Making a hasty decision can have serious problems and simply lead to over-indebtedness. However, take the time and do not forget that the Scrivener law allows you to retract for 7 days from the signing of the credit.Note: before you take a credit conso, it is recommended to take stock on your ability to borrow and inform you about modern borrowing rates. Does fast credit delivery cost more? Being in a hurry does not cost more. Many credit agencies now provide a basic solution immediately. In addition, funds can be paid within 48 hours, depending on the number of supporting documents. The rate practiced is in no way affected by the rapid granting of a credit. Generally, the credentials requested are: Identity documents Home notes Home proof If you want to take a credit conso assigned, you must submit the following justifications : Auto-moto loan: you must communicate to the lending group a photocopy of the registration card for a used car. For a new car, you must submit a purchase order. nReady to work: you must send a photocopy of the quote or purchase order of the products. not

Conditions for obtaining a personal loan without quick proof The rapid personal loan is governed by strict rules, for each application for credit conso, the financial institution is required to consult the file of the Bank of France to know the debt ratio of his client, the state of credits in progress and control that he is not in trouble of payment.This consumer code the borrowers by keeping them informed and empowering the lenders in the granting of a fast personal loan. When you make your personal loan application free from any quick document, online, you receive an answer promptly. Your loan application is reviewed, including your financial situation, to avoid any situation of overindebtedness.Remember that a credit commitment, it is better to test its ability to repay before committing to a personal loan free of all quick proofing.Enjoy credit online immediate responseBring money fast it is possible with fast credit online with immediate solution, just introduce an online application, determine the amount to borrow and send the first essential information. After the acceptance of idea of ​​the fast credit, the expertise of the file, you receive an answer in the hours which follow. With the fast credit exempt from all justifying the administrative steps are restricted. No proof of the type of purchase or the destination of the money is requested, the expected solution arrives even more quickly. With the fast loan, you solve some financial problems: unexpected bill, budget overrun, refund of a credit, … With the easy credit, you make purchases without tapping into your savings, you simplify the existence. Finally, the Quick and easy credit allows you to achieve a huge majority of your life projects, perfecting your ordinary.

An application for credit leads to a solid and complete file free of all we can not get an idea of ​​your situation. For example at the end of the form we ask you what type of credits or credit cards are outstanding, the lender, the amount borrowed, the duration, the monthly payment and the date of the first payment (first payment).

Latest tips for your quick credit

Latest tips for your quick credit

 

Purpose of Express Credit Customized credit that allows the financing of all your movable projects. This is a character loan. The APR can change from 8, 49 to 14, 5% and repayment period from 30 to 120 months. This credit allows us to give you an answer the same day and to pay you the money within 3 days of your application. Interest rates change when you use your project. We invite you to be guided by our simulator for concrete examples. Who can contract express credit? n Any specific resident in Belgium or Luxembourg wishing to borrow from € 2,500 without ceiling. Conditions for granting a consumer credit? Be in possession of an identity card or a valid residence permit. Justify of a satisfactory solvency situation. Work in Belgium or Luxembourg. Ideally, not be registered with the National Bank of Belgium although solutions exist if this is the case.

Installment loan: to borrow money easily

You can get credit for a variety of reasons. For those who wish to borrow money, financial organizations offer many offers depending on what you want to do. Consulting them is the best way to easily obtain an installment loan.

Borrow with an installment loan

Borrow with an installment loan

A credit application is always a solution adapted to a project. For the purchase of an apartment, a building plot or a house, you can take out a mortgage. To meet several domestic needs, you can take out a consumer loan. The latter concerns loans granted to households for financing various purchases of goods or services. A consumer credit can finance the development of a home, the purchase of a car or motorbike, but also finance a trip, etc.

The installment loan, intended for personal needs, also includes this type of credit. It is therefore possible for individuals to borrow money to finance different personal projects.

What is an installment loan?

What is an installment loan?

An installment loan is a consumer loan for the purpose of financing a personal need. This type of credit can also be requested to deal with a temporary financial problem. And without having to touch your savings account. Users can also borrow money, more easily, by resorting to an installment loan. However, before you take the plunge, you must understand that for this type of credit, you must provide purchase invoices.

With this type of loan, you are often offered an APR (Annual General Effective Rate) of less than 10%. This rate can, however, change from one bank to another. Repayments of this credit can also be negotiated with your banker or other financial institution, and always according to your ability to repay. The maximum amount for this type of credit is much lower than that of a home loan.

The advantages of an installment loan

The advantages of an installment loan

By borrowing an installment loan, the borrower does not need to report his expenses. He can borrow money at his ease, for any purchase and any personal expenses without having to justify them. You can spend your credit to finance the purchase of a piece of furniture, a computer or for your leisure without being accountable. A personal credit does not require any deduction from your savings or personal funds placed. You have total control of your budget, thanks to the spread of your repayments. However, the repayment of this loan is done by a fixed monthly payment. The interest rate or APR depends on the amounts of your loan as well as the repayment term. This duration depends on your bank, but also the amount borrowed and can vary from 12 to 120 months.

A consumer credit for your needs

A consumer credit for your needs

An installment loan is used to balance the budget. You can borrow money quite easily via this type of loan that requires no justification. Only the interest rates and the fees are quite high. The purpose of this credit agreement is to make available to a borrower an amount of money for his private needs. This sum will be reimbursed by periodic reimbursements according to an APR set by the bank or financial institution that has granted it. This loan can be customized according to its purposes.

An installment loan can be contracted by an individual with a fixed income. To apply for consumer credit, the applicant must fulfill certain conditions and also provide a file for eligibility. Once his application is reviewed and approved, the entire amount of the credit is made available to him and he can use it as needed. The first monthly payment for this loan is usually made 1 month after the loan amount has been made available to the borrower. It should be noted that the installment loan is governed by several conditions. As for credit consolidation, the consumer can not apply for installment credit as a credit surrender.