Archive 2019

The Best Personal Loan Rates on the Internet

Best Rate Loans

Best Rate Loans

Personal loans are a way to finance money borrowed from financial institutions, the proceeds obtained can be used to be used in various spending needs or for specific purposes such as for the purchase of vehicles, motorcycles, residential property reforms or shopping, buying furniture for the home, purchasing appliances, making trips on holiday liners, or even box making.

We have received many emails and comments from people saying that to be able to make personal bank loans these days is being very difficult. Understand the first question we ask. What is your current financial situation?

We are unanimous in saying that it is very worthwhile in some cases to lend money, it is also fundamental for some businesses and even for many everyday circumstances. Do not be discouraged, be persistent in searching and choosing the right line of credit and being aware of the web scams is essential.

In Brazil the best rates of personal loans are generally issued without much bureaucracy and are not subject to the presentation of any guarantee, but the applicant must be 100% compliant and should not have problems in the protection organs.

Another fact that we must not forget, institutions in order to limit the risk of default are being more rigid in the amount of resources and rules of credit release. As you say: I want to borrow on the internet, be aware of the responsibility.

For contractors who do not have a substantial loan limit, is there a solution? Of course! He or she may try to find a way to get enough resources by presenting the bank or its financial partner with a guarantor or guarantor who can guarantee the success of the operation. Remember to never anticipate money before taking a loan amount.

Best loan rates

Best loan rates

When applying for a loan on the internet or at the bank branches, you should pay particular attention to three factors:

1. Interest Rate – What is the nominal rate applied to the loan monthly.

2. CET – What is the percentage of the percentage charged annually, this factor indicates the total cost of the loan per year, it does not only indicate interest but also all other costs applied in the operation, such as interest, commissions, insurance, etc.

3. Insurance – Always check and question the amount charged to insure the loan requested.

Cleaner name better interest rates

Having a clean name and a good conduct in the bank, in addition to constant bank move, brings to the borrower the chance to get the best loan rates with more affordable conditions, however, failure to pay authorizes the creditor to unilaterally rescind the loan agreement and apply legal sanctions to the borrower.

The most unpleasant consequences is the possibility of having the name added to the list of bad payers and the interest due will be increased considerably because of the delay. On the other hand it is also possible to repay personal loans earlier than the agreed upon time.

Needing Personal Loans?

Are you in need of personal loans? Want to find the loan that best suits your needs? So do not forget to search for loan or financing with more affordable rates. Compare the different offers and credit offers on the portals and online credit comparison sites and specialty stores.

To find the best loan rates, it’s no use – you have to search a lot on the web.

Renegotiation and Consolidation of Loan in Real Estate Investment

As a real estate investor and portfolio analyst, I understand that there are some points that have to be constantly analyzed over time because they can simply and tremendously increase the performance of a real estate portfolio. In fact, to truly earn money with real estate in Portugal, it is necessary to have these aspects under control over time.

Pay attention to your portfolio debt

Pay attention to your portfolio debt

Some of these points include the market where we operate – which can value tremendously, thus lowering profitability, and should therefore be made a return of the portfolio – the target market of the investment, the rent charged and we have the respective contracts, and… portfolio.

Portfolio debt is one of the most important factors in the performance of real estate portfolio. In small portfolios, this is not as relevant, but as we look at larger portfolios, the effect can be quite overwhelming.

Think with me. In your personal home, to Anthony Ferrerr or transfer your credit from the house with Anthony Ferrer, you can save thousands of euros. By analyzing a portfolio of millions… we can save millions over the life of a portfolio. It is a case to say beware of your credit!

Possibly your case is just a home or a small investor who owns one or two properties. In any case, you can save thousands of euros per property, depending on the amount of debt you have in each one.

Already in a portfolio of tens or hundreds of housing, we speak of thousands of euros for each property, which can easily represent tens, hundreds or even millions of euros. Therefore, in real estate investment, renegotiation, transfer and consolidation of housing / real estate credit is therefore something obligatory to have a high performance.

Look at the entire credit term and you will see the savings!

But let’s talk in the case of a small-scale real estate investment with two properties.

  1. The investor buys two properties, each worth € 150,000, using credit and creating a total debt of € 125,000 + € 125,000 = € 250,000.
  2. Investor B buys two real estate for the same price and creates exactly the same debt, let’s say.

With credits of 20 years, or 240 months, we speak of benefits of € 693.25 if the interest rate is 3%, a standard rate for secondary housing. If the second investor is able to transfer his credit at the end of the first year to another entity and lower his interest rate by “only” 1%, then his interest rate drops to € 632.35. Throughout the life of these credits, we speak of more than € 7,000 per dwelling, almost € 15,000 of total savings in the two properties.

So, even in the case of a small investor, and a drop of “only” 1% in the interest rate, we can be talking about incredible savings. And this can make all the difference in the investment plan and profitability of the property.

My advice is to analyze the possibility of optimizing your debt steadily, and refer to a specialized company such as Anthony Ferrer. This advice is especially relevant if you are a real estate investor (even if you are a beginner) and it is particularly relevant to do so at the start of your investments.

More on Online Loans in the Act

Online loans on the spot are an option for those people who need fast financing and can not wait. Today there are several operators that provide this possibility.

In the article we indicate what are the main characteristics of this product, its requirements and the opinion we have.

Characteristics of online loans in the act

Characteristics of online loans in the act

An online credit in the act is the option for those people who need quick liquidity and can not move. The development of Internet favors that you can operate from your computer and have a quick response.

Fintech companies have gained a presence since the economic crisis of 2007. The bankruptcy of trust also reached the banks, which stopped providing financing to people who had fulfilled their whole life with their financial obligations. The fintech offered quick money for small expenses and, most importantly, without asking too many questions. Since then, this market segment has only grown in Spain.

On the other hand, liquidity is one of the main conditions. If you need money, an option to get it without having to give endless laps or do several steps is this. We indicate the main elements to consider:

1. Immediateness

The main point in favor of the online loans in the act lies, precisely, in the fact that they will deposit the money into account in a maximum of 48 hours. In addition, you must keep in mind that the application process is extremely simple and that, in most cases, you will have a definitive answer in a maximum of 15 minutes.

This serves, in practice, so that you do not waste time in case of refusal and you can search in other instances. Today there are several fintech that can provide this type of financing.

2. Flexibility

Flexibility is another of the remarkable aspects of this type of financing. First, because you can ask for variable amounts, although it is normal to be between 50 and 1000 euros and for specific expenses. On the other hand, because there are cases in which you can access the financing even if you are in the Financial Credit Institutions default file. Finally, because interest will vary, and much, depending on your solvency and risk ratio, although your APR will rarely be below 20%.

Therefore, in addition to being a fast formula to get money, online loans on the spot are an interesting option for not renouncing liquidity in specific cases.

3. Payroll or endorsement is not necessary

The vast majority of companies that grant an online credit on the spot do not require a payroll or a guarantee. This does not mean that they do not demand guarantees, but the options to prove that you can pay the money you ask for are easier to assume. In some cases, it is considered that with a benefit or crediting a continuous income can be shown that you are solvent; Sometimes, it will also be worth a property.

4. Short return period

If you ask for credits online in the act, think that the average period of return that you are going to demand is short. In most cases, there will be 30 days that can be up to 90. There are rare cases in which you are allowed to repay on credit in a year if the amounts are low and without a fixed payroll.

Requirements to access online loans in the act

Requirements to access online loans in the act

The online financing in the act stands out for its versatility and, for this reason, you should know what are the minimum conditions that are required. They are the following:

Fixed and demonstrable income

Make no mistake, to access a loan you must be able to provide some kind of guarantee. Having fixed and demonstrable income is a way for the financial operator to have confidence and lend you the money. To guarantee this aspect, you can contribute a fixed payroll, a pension or your historical income and contributions if you are self-employed.

Age of majority

This type of financing products can only be requested by adults. Although in the past the maximum age limit was set at 65 years, there are already several fintech who grant online loans on the spot to people with more years.

Residence in Spain

The applicant for these products must have legal residence in Spain, regardless of whether it is national or not. Not in vain, one of the main aspects to consider is the rooting.

Contact methods

The contact methods are essential for any operation with fintech companies and here too. You need to provide a mobile phone, checking account and email. All these data will facilitate the operation because they will make it viable.

The opinion of Astro Finance

The opinion of Astro Finance

We believe that instant online loans are a good option to solve specific problems that can not be delayed. In this case, they do a good service because the surcharge of a fine already means the interest you are going to pay and, if you do not face an enrollment, you will not be able to study that year.

Now, nobody escapes that the interests that are asked on average are greater, the quantities reduced and the term of short return. Therefore, if it is not with that philosophy, it is more likely that you are interested in a personal loan of another type because you will have better access conditions and payments. In the end, he thinks that most financial operators ask for fewer guarantees than a traditional entity and that has advantages, but also some drawbacks.

As a general principle, it is advisable that you use this financing formula only when strictly necessary. In this way, you will get the sense that you really have.



online loans have grown in the heat of the development of the fintech and today are one of the options available for those who need money and without giving many explanations. We suggest you enter the Astro Finance comparator to better understand all the possibilities within your reach and make a conscious decision.

Online payday loans for bad credit -I need payday loan today bad credit

Do you borrow a small amount? From now on it can be arranged with a flash loan to receive money on your account!

The unemployment rate in Belgium has not been so high in times. This means that many people have suddenly been made redundant and have to fall back on lower income, while the costs simply remain high. In some situations, this causes money problems, especially in the long term. Even when you suddenly have to make a purchase, investment or repair, extra money is handy. Because in most cases this involves a loan of a small amount, loan providers on the internet have decided to offer a new type of loans, also called flash loans. With a flash loan, you quickly get money!

Visit our website if you need payday loan today bad credit

The purpose of these loans on the internet is to make the borrowing of small amounts accessible to many more people. Instead of the complicated procedures and long waiting times that you have to deal with when you borrow from the bank, you can now take out the loan on the internet that you need without any fuss. For example, a blacklist check is omitted and there are few conditions that you have to take into account. Papers and justifications are not necessary and you can also arrange your payday loanfor bad credit online directly. Read More About Us Why People Choose Us!

A small amount of money is also possible for me?

Chances are that it is possible for you to get money in this way. This is because there are few conditions attached to these loans. In general, you can already borrow money if:
– You are 21 years or older
– You have a fixed amount of income on a monthly basis
What exactly this income consists of is also unimportant, it is mainly because you can count on a certain amount of income each month. That way you can meet your payment obligations if necessary. You do not necessarily have to have a permanent contract. You can also apply for a loan if you receive money from a benefit, alimony or care allowance. When you have a view of a new job but temporarily receive no salary, there is often something to arrange. You do not have to come to an interview with your application for a flash loan and do not send papers. This is how a flash loan is arranged in this way.

No blacklist assessment but borrow a small amount

You have already read it above, but generally, no blacklist testing is done with flash loans. This means that you can often also qualify for a flash loan with a blacklist registration. A blacklist assessment can be omitted by these providers because this testing is not mandatory (which many lenders seem to be like this). Because a blacklist assessment costs a provider a lot of time, money and effort and because many people are unnecessarily excluded from a loan in this way, they choose not to do a blacklist assessment. That means that despite a blacklist registration you can quickly get money with a flash loan! Note that this only concerns small amounts, in this way the loan providers keep the risks low for themselves.

No job but borrowing a small amount is often possible! You too can immediately take out a flash loan on the Internet is often just 5 minutes. What do you have to do to quickly borrow a small amount on the internet? First, you choose a suitable credit provider and you read the conditions carefully. If the provider can give you what you are looking for and you meet the requirements, you fill in the online application form. In most cases, you will receive a direct message about the status of your application. Then you can usually expect the money on your account soon, how fast that is with the provider you have chosen on the website. Sometimes it is already possible to receive money on your account today with a flash loan! No job but borrowing a small amount is, therefore, possible with a flash loan without any fuss!

Immediate Loans: A Highly Applied Financial Product

The immediate loans are financial products that increasingly have more clients interested in our country. This growth, moreover, has accelerated in recent years.

So that you understand why the requests of this type of loans have gone to more, next, we tell you the context of the change.

What has been the breeding ground for the growing demand for immediate loans?

What has been the breeding ground for the growing demand for immediate loans?

The first thing you have to remember is that these financial products have been with us for decades. Not in vain, you may remember those ads for quick loans that were issued during the intermissions of sports competitions of greatest interest.

Some companies that were engaged in this class immediate loans always made an investment effort in advertising, which used to be well received by potential customers. Undoubtedly, this was the beginning of the popularity of quick loans.

But the great jump in demand for these financial products has occurred during the last decade. Keep in mind that the economic crisis that began in 2008 caused that, as part of the public adjustment plan designed for the Spanish banking sector, the entities will carry out restrictive policies regarding loans.

From the public institutions it was considered that the granting of loans without sufficient return guarantees was fueling the wave of non-payment of fees to banks. Therefore, the risk departments of these entities would have to request more stringent requirements to ensure the repayment of the loans.

These new austerity measures meant that access to loans was complicated for some lifelong customers. The requirements of endorsements, payrolls or not appear in the records of defaulters of associations such as Financial Credit Institutions were revealed as complicated to meet for many self-employed and entrepreneurs. And some of them could satisfy them, but not in the short term. As they required the money for urgent payments, they had to look for an alternative.

Therefore, these difficulties for the profiles of clients indicated made them approach entities that, like ours, acted as intermediaries when it came to agreeing the conditions of financial products between borrowers and lenders. Economic needs did not disappear for them, so they had to find a solution: quick loans.

Some characteristics that stimulate demand

Some characteristics that stimulate demand

Apart from the context, we must emphasize, when explaining why interest has grown in these loans, in the advantages related to these products. Since they emerged, they have been improving their services for clients, which has worked as a logical stimulus for demand.

The main difference with respect to its appearance in the market is that, since the Internet entered fully into our lives, the speed of its procedures increased. You have to appreciate that since these loans are managed online, you do not have to wait in the queues of bank branches or stick to their limited opening hours. Nor will you have to invest time and money in making and delivering photocopies of documents.

You just have to enter our platform, register and select the conditions of the loan (money and its return period) in our simulator. It also introduces some simple personal and banking information and you will get an answer as quickly as possible.

Undoubtedly, all these facilities are also behind the increase in demand that fast loans have registered.

In short, remember that immediate loans are suitable alternatives for your urgent payments, so you must request them in these specific cases.

Microloans to pay debts

Microloans are financial products that, in recent times, are among those preferred by Spanish entrepreneurs and savers. And we say entrepreneurs and savers because, sometimes, these figures are associated with the same people and the debts that these subjects can carry. How many times does it happen that, to start a business, you have to go into debt (which does not allow you to save, in practice, anything)? Is it not strange that an entrepreneurial project, once completed, has led to debts and eliminated any possibility of saving?

To respond to contexts like these, financial products such as micro credits have emerged; which pose more favorable conditions when paying debts than traditional ones.

Next, we tell you what these small amounts of credits consist of in order to solve certain debts.

Microloans as alternatives to settle debts

Microloans as alternatives to settle debts

The request of important requirements from traditional banks to their clients, such as endorsements or the accreditation of a payroll, has meant that many of them can not access the credit they need. Above all, from the crisis that our country went through since 2008, which made the risk departments of the banks very strict when assessing the complications to return the loans.

Therefore, entrepreneurs and savers looked for formulas alien to conventional banks to find the financing they needed and the financial products offered by the entities supposed appropriate solutions.

In this sense, the payment of the debts became one of the objectives to be fulfilled by means of the contribution of the loan money. We refer, basically, to small amounts, since it is not convenient to abuse the recourse to these financial products, since it could lead to over-indebtedness.

However, the credits for small amounts allow you to pay the debts of scarce and medium amount that you may have with companies, suppliers, family or friends. It’s about quick money that helps you cope with these urgent commitments. It can also serve to disappear from the census of defaulters, such as Financial Credit Institutions, which can help you to meet one of the requirements that will be imposed on you to access loans for higher amounts.

Finally, you should also evaluate the possibility of reunifying your debts, so that you end up putting all your payments up to date and stop paying the always expensive late interest.

Why do micro credits have these favorable conditions?

Why do micro credits have these favorable conditions?

Broadly speaking, this is because microloans can be managed online, which saves time and money. We recommend, finally, that you consult the conditions of these financial products to settle your debts.

Financing of works: all about eco-loan at zero rates


Established in 2009, the eco-loan at zero rate helps finance some work to improve the energy performance of housing. This interest-free loan is granted without conditions of resources and concerns both individuals and condominiums. What are the characteristics of zero rate? 

How does zero rate work?

How does zero rate work?

The zero-rated eco-loan (zero rate) concerns all homeowners, whether occupiers or lessors, provided that it is a main residence or a dwelling inhabited for at least eight months by year, at least until the end of the loan. The eligible dwelling must have been built before 1 January 1990.

The maximum loan term is 10 years with a minimum of 3 years. The bank may, however, extend the eco-loan up to 15 years when the work concerns at least three of the six actions (work package) giving entitlement to this zero-rate loan. The maximum amount borrowed is € 30,000 per unit and varies depending on the option chosen from those that can be financed. This loan is subscribed with one of the many banks having signed an agreement with the State. The borrower provides a description of the proposed works, accompanied by a detailed estimate of the amount. The file also contains a standard form “estimate” composed of several pages. The professional who provides the quotation must accompany it with attestations proving his certification Recognized Guarantor of the Environment.

In 2014, an zero rate dedicated to the co-ownership was set up. It may relate to one or more condominium buildings but only one loan is granted for the same building.

Since 1 January 2015, it is up to the company carrying out the work to certify the eligibility of this work to the zero rate, and not to the bank as before.

What does the zero interest eco loan finance?

The operations financed relate to the supply and installation of materials or equipment designed to improve energy efficiency. Some additional expenses are also taken into account:

  • thermal studies;
  • Architect’s fees
  • indissociable work induced by initial works such as the repair of the electrical installation, plumbing, plastering or painting;
  • the works that are covered concern only the renovation and in no case the initial works;
  • the possible costs of insurance project management.

To benefit from the eco-loan, the project must include a package of works, ie a set of operations to improve energy efficiency.   :

  • high performance thermal insulation of roofs,
  • high performance thermal insulation of the walls facing the outside,
  • high-performance thermal insulation of glazed walls and doors leading to the outside,
  • installation, regulation or replacement of a heating system (possibly combined with an economical and efficient ventilation system) or efficient hot water production,
  • installation of domestic hot water production using renewable energies,
  • installation of a heating system using renewable energies.

The eco loan “Live Better”

The eco loan "Live Better"

The eco-loan “To Live Better ” is a device reserved for modest households receiving subsidies from the National Habitat Agency (Anah). It allows them to finance, with the help of an interest-free loan, the rest of their renovation work. The loan amount can reach 20 000 €. Initially planned for 2017, the eco loan “To Live Better” should be operational in early 2018.