Month: November 2019

Personal loan with bank problems

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Applying for personal credit with bank problems may not be facilitated by financial institutions, but is not always denied to consumers. Find out how it is possible to apply for a loan under these conditions and how to avoid default.

If you currently have difficulty repaying your monthly installments of your credits - either from the loan you made to buy a car or to take that dream vacation - contact the financial institution with which you have the financing. As a bank customer you are entitled to protection in default situations.

Another option is credit consolidation. If you have multiple loans in one or more institutions, you can merge them all into one, which will allow you to extend the repayment term and consequently get a lower monthly repayment. However, note that the total cost of credit (MTIC) may increase.


But how do banks know about banking problems?


Prior to approving a loan, banks make a risk analysis of the customer and, based on the outcome, decide whether or not to borrow the amount requested.

Within this analysis is evaluated the financial behavior of the consumer. The more fulfilling you are, that is, if you pay the monthly installments on the agreed date and have never had bank problems, the most likely the financial institution will lend you the money you need.

In addition to the regularity of credit payments, financial institutions also analyze their banking movements in recent months. This is because, if risky behavior is detected - such as regular withdrawals from a casino, which may anticipate some gambling addiction - the loan may be rejected.

To understand if the customer has financial problems, financial institutions use the so-called Marias Bank Credit Responsibility Center (CRC), which aggregates in the Credit Responsibility Map (MRC) all past and current credit held by a customer.

The Credit Responsibility Map is accessible by banks, but also by the customer himself. To gain access to yours, just watch this video and follow the six steps below:


How to apply for personal credit with bank problems?

personal credit

When a consumer with bank problems considers applying for a loan, it is normal for him to automatically receive a negative response from the financial institution.

If you try to apply for a personal loan under these conditions, what the credit institution will do is demand a mortgage guarantee in order to be sure that the amount you will lend to it will be repaid.


How to avoid having banking problems in the future?

bank problems

The first step in avoiding future bank problems is to control your personal finances and to be able to understand when you are having difficulty repaying your credits.

Therefore, you should do an introspection. Analyze your effort rate, as if it exceeds 33% you could risk defaulting. If this is the case, talk to your bank and try to renegotiate the financing in question.

If you have a mortgage loan whose monthly installment is unbalancing your monthly budget, you may choose to transfer the loan, as doing so may achieve a more competitive spread and thus reducing the amount you pay each month.

On the other hand, if you have several loans with different monthly installments that are charged to you on different dates, it may be advantageous for you to combine all these credits into one. This will only allow you to pay a lower monthly fee and may extend the payment period.

Add credits

The options are diverse, so you should not discard any. Otherwise you may even default and be in a more delicate position that in the future will not allow you to apply for personal credit with bank problems.

In this situation you can resort to the PERSI (Extrajudicial Procedure for Settlement of Defaults) - an agreement with the bank to settle debts - or even ask for help from the Marias Bank's RACE (Indebted Customer Support Network).

Fastest Credit Online

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The fastest way to get a loan is through our online services for all those in urgent need of money. We aim to provide you with a fast, reliable and secure service to get you the fastest loan possible and repay your expenses on time. Don't let unplanned expenses and old bills ruin your day. Reprimands, foreclosures, and lawsuits can certainly affect your life, most often negatively. We believe that at least once in our lives we found ourselves in a situation that required urgent money that we did not have beside ourselves. In those moments, we are looking for a solution that will get us the fastest loan possible. Hurrying and not thinking can often drag you in the wrong direction to make the moves you didn't want.

No hidden costs, fastest credit!

No hidden costs, fastest credit!

One of the advantages you get when doing business with us is the ability to pay off money very quickly. Even within 15 minutes of delivery of the signed documentation, we can approve and pay you money directly into your checking account. The fastest way to get a loan is by fulfilling our request, which only takes a few minutes, with basic information and minimum requirements that we have set for you. We do business without hidden costs and additional checks because it is not our goal to deceive anyone, but to help him financially as soon as possible and to complete the business for mutual satisfaction. Each client is aware of the cost of returning the money in advance. With transparent insight into all figures, we strive to continue to do business as professionally as we do all the time.

The fastest way to get a loan is online

The fastest way to get a loan is online

The internet is where most things happen today. Online business is also much safer for you and us. The ability to process data quickly and the fact that you can contact us in the matter where you are encouraging more and more users to use such financing services. Take online access to our services and from the heat of your home, complete a request that will take you only a few minutes. You can contact us via pc, smartphone or tablet anytime!

We have a discreet approach to the client who will get the fastest loan from us!

We have a discreet approach to the client who will get the fastest loan from us!

If you fear for your information then you do not have to worry. All information you provide to us is stored and not shared with others. Nobody will find out you approached us if you didn't want to. No further questions, fastest to credit in one day! If you ask your friends or relatives for financial help, you will often be exposed to various questions that can sometimes be very annoying. You will have no such problems with us. We value your every money as well as your every inquiry.

Why raising credit with us

Why raising credit with us

All our staff are educated to offer you the highest quality and best service that you can financially support and that will solve your problems. Thanks to the approach we have and our way of doing business, we now operate over 2,000,000 satisfied customers across the EU and the world, who are able to offer the widest possible range of services to get the fastest loan possible at any time. Contact us with confidence, we look forward to doing business with you!

Personal Loans – The Best Offer

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Personal Loans BSD

Personal Loans BSD

BSD personal loans can be requested by private consumers who are, in principle, between 18 and 75 years of age at the time of subscription.

Private consumers who intend to apply for a loan must in any case have a paycheck, as public or private employees, or be self-employed or retired, all subjects who in one case or another have the ability to demonstrate to the credit institution to have an income.

The TAN proposed in BSD personal loans is not always fixed: there are variable rate financial products.

The expenses for each type of loan granted by BSD include an amount that cannot exceed 0.5% of the amount financed for the preliminary costs, $ 1 per month for collection fees in case the installment is not debited to the account, and finally $ 1 for sending informed paper communications.

Personal Loan Offers By BSD

Personal Loan Offers By BSD

There are many funding possibilities established by BSD, some for all consumers, others for specific categories of workers, some for young people, others referable to the goods and services subject to the request for liquidity.

Among the "Per Tutti" personal loans, we find the fixed or variable rate mode that passes under the name of In Novo, while among the "Per Te" loans there are financial products intended for pensioners or civil servants. The "For Young Students" proposals are very interesting, well represented by the "Futuriamo" and "Discount and Praise" loans. The "For the House" loan is "Green Families" while the "For the social" loan is made up of AdottAMI. Let's see the details.

Loans for everyone

It is the category of BSD personal loans intended for all private consumers and includes three different types of product, namely BSD with fixed rate, BSD with variable rate and BSD with variable rate with Cap. To each of these financial products the Realoded and Flexi options can be applied, the first allows after 6 months to request new liquidity, the second to postpone the payment of one or more installments.

BSD at a fixed rate : it is a loan in which the rate remains fixed for the duration of the loan. It is designed for those who prefer the security of paying a pre-established monthly amount.

The minimum and maximum allowable amounts vary depending on whether the loan request is advanced online or in the branch: the limits of 3,000 and 30,000 $ are valid for those who make an online request, while they rise to 5,000 and 100,000 $ for those who present themselves in the branch .

Under the $ 10,000 requested, the repayment term will be between 6 and 60 months, while above this threshold, the duration of the contract will increase up to 120 months. The annual nominal fixed rate applied is 8.75%.

BSD with variable rate : this loan is also intended for all consumers, in particular for those who want to take advantage of the positive trends in interest rate trends over the years. In fact, each installment is established by applying an interest rate calculated on the basis of the Rifore calculated on the first day of the month preceding the payment of the installment, to which is added a fixed commission consisting of the spread.

This type of rate is certainly excellent when the economy is booming, but in swinging markets it is still risky.

The minimum required is $ 5,000 while the maximum limit is $ 100,000 to be repaid in a period of time between 6 and 60 months if the loan is less than $ 10,000, or from 6 to 120 months if the amount is greater than this figure.

BSD with variable rate with Cap : this product is identical in the calculation of the monthly installments, in the amounts that can be requested and in the repayment methods, to the In Novo variable rate loan, but it differs from it because it provides a maximum ceiling for the interest rate .

If the interest rate increases beyond the maximum limit established in the contract, the Cap, the contractor will pay an installment calculated with the rate established as the maximum threshold and not its excess.

Loans dedicated to civil servants and retirees

BSD personal loans are also suitable for civil servants and retirees, who by virtue of solid guarantees, can have special "discounts" both on interest rates and on preliminary costs.

BSD loan for civil servants : designed to facilitate retirees or civil servants who can take advantage of a product with a lower fixed rate than other private consumers.

In fact, for the same amounts that can be requested, always between $ 5,000 and $ 100.00 and repayment methods, the interest rate is much lower, settling for repayments within 60 months at 6.75%, above them at 7, 75%. The effective APR is 8.74%.

The investigation costs do not correspond to 0.50% but to 0.30% and cannot exceed the threshold of $ 399.

BSD loan for pensioners : INPS pensioners, formerly INPDAP and all pensioners belonging to any social security institution have the right to access this financial formula which allows you to request amounts of up to $ 90,000 in amounts.

The loan also requires the stipulation of a Life Policy, to be signed with BSD Finance. By requesting 5,000 uprights, the repayment must take place in 24 -96 months, while beyond this threshold, it can reach 120 months. Furthermore, if the preliminary costs are 0.5% per year on the upright, they can rise to 1% for contractors over 80.

Loans for Young Students "Discount and Praise"

Those who intend to complete their training can take advantage of the third party guarantee or in any case the presence of a guarantor to obtain a BSD personal loan.

BSD Futuriamo : is the loan that all students determined to complete their studies independently can apply for. BSD grants loans between $ 5,000 and $ 20,000 to be repaid over a period of between 72 and 120 months.

The nominal fixed rate applied is 8.50% while the effective APR is 8.91%. To adhere to this formula, the student must be accompanied by a guarantor or a guarantor, or must in any case possess guarantees deemed suitable by the bank.

BSD Futuriamo may provide for an installmented pre - depreciation period, that is, a period that can be 12 or 36 months, in which the student will pay, in installments, the interest applied to the capital. Once the interest has been paid, it will begin to pay the real capital.

The pre-amortized installment can also be deferred, therefore the contractor for 12-36 months will not have to pay any pre-amortization installments and the interest will be added to the real amortization installments.

BSD Discount & Lode : this loan, always aimed at students, requires the presence of a guarantee or guarantees. Like the "Futuriamo" formula, it guarantees amounts between $ 5,000 and $ 20,000 to be repaid in 36 - 120 months.

The difference between the two formulas lies in the university average reached by the student / contractor: an increase in the university average will result in a discount, every year, on the interest rate which can drop from 8.50% to 8.00%.

BSD for the home

The product contained in this category is Green Families intended for the energy efficiency of your home. BSD offers a subsidized fixed rate of 6.99% for an effective APR of 7.88%.

The minimum amount granted is $ 5,000 while the maximum threshold of $ 100,000 to be repaid within 120 months for amounts greater than $ 10,000. If you request less than $ 10,000, the repayment period is reduced to 60 months.

This formula benefits from the Realoded and Flexi options, which allow respectively to request new liquidity after 6 months from the payment of the installments or to postpone the payment of one or more installments.

BSD Adopt me

It is the formula developed by BSD in collaboration with entities that deal with international adoption, to go against the needs of families and the costs that in these cases we have to face.

The minimum amount granted by the lender is $ 500, the maximum of $ 30,000 to be repaid within 120 months. The rate is fixed and particularly favorable: it stands at 5.95% with an effective APR of 6.11%.

How to request it

How to request it

Apply for a BSD personal loan is also possible online directly on the official website of BSD -Bankate in the personal loans section you are faced with a double possibility, that of choosing your personal loan online or in the agency.

In the first case, by clicking on the "Calculate Installment" button you will be sent to the Findomestic calculation page, acquired by BSD. If, on the other hand, you want to take advantage of BSD products, you must proceed on the "Calculate Installment" button. At this point you will find yourself in front of the first interface which will ask you to enter the amount you want, the number of months expected for the repayment, the working category to which you belong, the income and the province of residence.

The estimate is immediate and below it you can immediately fill in the form with your personal details, specific notes on your work and all contact details. Once the loan request has been received, a financial advisor will call back for more information and perhaps make an appointment at the agency.

In fact, as can be seen in more detail in the previous paragraph, for some financial products the online request is limiting on the maximum limits that can be requested: by proceeding to the request on the web the maximum threshold is set at $ 30,000, going to the agency it rises to $ 100,000.

At the branch, it is necessary to bring a valid identity document with you, the health card, the paycheck, the pension slip or the CUD depending on the work done, and finally the copy of a registered user.

Requesting $ 5,000 to be repaid in 36 monthly installments, the calculation of BSD will give this result
Net amount paid $ 5,000
Installments number 36
TAN 6.99% (fixed rate)
APR 8.50%
Initial expenses $ 92.10
Insurance premium $ 170.51
Monthly installment amount $ 162.47
Amount Financed $ 5,262.60

Delivery and refund

After sending the financing request from the web, within 24 hours you will be contacted by a consultant who will agree on an appointment at the branch. A maximum of 24 hours will pass from the appointment to get the answer, while at least 48 will pass for the crediting of the liquidity on the bank account. The reimbursement usually takes place by debit on the current account.


The multiple possibilities offered by BSD make this institution a protagonist of consumer credit and a privileged point of reference for those consumers who, before choosing, want to evaluate and weigh different offers and only at the end select the perfect one for their needs.