Month: December 2019

Car loan simulation: find the best rate

by admin

 

 

 Do you want to obtain a car loan simulation and benefit from the classification of the best car loan rates corresponding to your needs? Our comparator is made for that. Because not only will you have access to a car loan simulation with the best market rates, but you will also have the possibility of obtaining a non-binding appraisal of your project.

Car loan simulation: get the ranking of the best rates

Car loan simulation: get the ranking of the best rates

You are preparing your purchase and you want to determine your budget for the acquisition of your car. Note that the purchase of a vehicle is done more than half of the time thanks to financing.

Our first advice is to be vigilant about the monthly payment that you can repay every month. If you combine this monthly payment with your rent (or mortgage repayment) and other monthly payment payments if you already have one, it should not exceed 35% to 40% of your income. It is the debt ratio. For your car loan simulation, it will therefore be necessary to extend the repayment period to obtain a reasonable debt ratio. We even made a specific article on cars at 100 USD per month, to help our customers understand how it was possible to get car loan simulations that are not scams like LOA or LLD and that allow small budgets to buy a car.

To offer you the ranking of the best rates suited to your car loan simulation, we regularly record all the offers from the largest credit organizations, for all durations and all amounts and we return the 3 cheapest proposals to you at the end. a questionnaire that allows you to personalize the answer and increase the chances of obtaining the best rate.

Our questionnaire allows you to multiply the chances of obtaining the best rate because at the end of your entry, you will get the ranking of the 3 cheapest offers for your car loan simulation. You can ask the 3 credit agencies that offer these offers to find out if they are ready to accept you. We advise our customers to always file at least 2 requests so as not to be left with nothing if they are not accepted for the cheapest car loan.

Car credit simulation: get the best rate

Car credit simulation: get the best rate

Obtaining the ranking of the best rates for your car loan simulation is good, but it is better to know if an organization is actually ready to lend you at such a rate. And above all, this offer is essential if you want to negotiate with your mechanic or with your banker.

We have therefore implemented a system that automatically obtains an evaluation by the organization that offers the lowest rate for your car credit simulation. This evaluation will be sent to you by email. Thanks to this, you will know the position of the organization which offers the cheapest credit on your file and you will therefore know if it is also necessary to file a request with organizations classified 2nd and 3rd.

Car loan simulation: negotiation advice

Car loan simulation: negotiation advice

As we have just seen, to get the best credit online, you just need to use our car loan simulation. But if you want to negotiate with your banker or garage owner, it's another matter.
Note that in general, banks or loans offered by dealers are much more expensive than those offered by specialized organizations. But concerning the banks, for their top best customers or for the dealers, they happen once in the year to make big promotions on the credit.

To ensure you get the best rate, we advise you to make a car loan simulation until the end on our site and to question the cheapest organizations in order to obtain a formal proposal. This will become your bargaining chip that you can show to your banker or garage owner. Either they can make you a better offer or they can't, in any case you end up with the best rate.

We also specify that you do not find the credit of the banks in our car credit simulation because on the one hand the banks generally do not have good credit rates, they are not specialists. But the problem with banks is that they reserve their best rates only for their best and old customers. So these rates are reserved for a very small number. So we cannot integrate them into our car loan simulation, that would be lying to the vast majority of customers. This is why we advise you to first obtain the best offer on our site and to try to go to negotiate then if you think that your banker has a lot of consideration for you and your bank account.

Car loan simulation: save on your car loan

Car loan simulation: save on your car loan

To give you an idea of ​​the savings you can make thanks to our car loan simulation, we will give you a representative example of the loans generally requested.
First of all, note that our comparator is based on the APR rate. This is the rate defined by consumer credit law as the reference rate. It must systematically be communicated by the organizations and this rate includes all the costs that a credit may contain.

For our example, let's take a credit of 10,000 USD for a car loan over 72 months. One of the most requested credits to finance an automobile.

Best rate: 5.30% monthly payment: 161.86 USD cost of credit: 1653.92 USD
Most expensive rate: 8.10% monthly payment: 174.43 USD cost of credit: 2,558.96 USD

There is therefore almost 1000 USD difference for exactly the same credit !! You could pay 1000 USD more for exactly the same thing without going through a car loan simulation at the best rate!
And the most expensive rate is offered by one of the best known credit agencies. But they all regularly change their rates to multiply commercial actions. If you want to avoid the pitfalls of credit marketing devices we recommend our article on 12 month credit.

Credither, the best car loan simulation 

Credither, the best car loan simulation 

We have been noticed by Autoplus as a comparator different from what we can find on the internet. We are the only ones to have a car credit simulation which is based only on the rate. Thanks to Credither, you are sure to find the best car loan.

Moreover, as our article on car loan rates points out, thousands of USD of difference exist between the cheapest rate and the most expensive credit. We do not have a privileged partner and we work as well with well-known organizations as Viloan as with more specialized like Astro Finance.

Wanting to perform a car loan simulation is essential to avoid being scammed but it is not enough, check that you are getting a comparison based on the best fixed APR rate which is the benchmark for car loan simulation.

Credit without Credit bureau information.

by admin

Credit without Credible Lender Information from abroad is repeatedly described in the media as "hot iron". The media are right when borrowers rely on advertising and do not inform themselves properly.

We don't want to lead you onto black ice. Our credit advisor for loans without Credible Lender from a foreign bank only gives sober facts at first hand. Please take the time to read.

If you are qualified for lending without Credible Lender information, we do not promise a loan. - But a serious credit opportunity, without tricks, back doors or traps.

Credit without Credible Lender information - critically question media reports

Credit without Credible Lender information - critically question media reports

Media like to tear up legal Credible Lender-free financing from abroad in the air. A nice example comes from focus from mid-May 2016. Real information, for example about the veracity of advertising, is mixed with completely outdated information. Reference is made (as usual) to a study from 2007.

A rough misinformation is the mentioned interest rate of 20 percent for the loan without Credible Lender information. On the day of the publication of the article, 3,500 USD of legal credit without Credible Lender cost 11.15 percent APR. It is not cheap, but it is still cheaper than some dispositions. For example, Savings Bank charges 14.90 percent interest for the tolerated overdraft.

Typical for "warning" articles is the reference to three ominous credit providers from Switzerland. With a little interest in objectivity, authors would have easily discovered that the last of these providers has stopped lending to Germans.

Credit without Credible Lender - real risks

Credit without Credible Lender - real risks

The risk of applying for a loan from a foreign bank without Credible Lender information is actually to be believed in the intermediary advertising. Credit without Credible Lender is not a mass commodity, but a handpicked credit opportunity for a few who can afford their credit. The individual case is checked. If a borrower cannot fully meet one of the criteria, he will not get a loan.

Only people with a secure job that is subject to social security contributions have the prospect of a credit approval. The permanent employment contract must have existed for at least 12 months (3,500 USD credit) or 36 months (5,000 USD without Credible Lender). There must be no garnishment of wages or an entry in the public debtor register. (District Court).

A legal loan without Credible Lender information is not offered if the borrower is over-indebted. The bank only allows pre-debts within a tolerable range of income. The borrower must also be healthy and fully capable of working. The minimum income for lending is based on the seizure allowance and the individual dependent.

Income required to lend:

Proof of income must be well above the seizure allowance. The standard for net earnings without maintenance obligations is at least 1,130 USD. (3,500 USD loan). At 5,000 USD, a minimum of 1,600 USD net income - without maintenance obligations - would be required. A family with two children and a single earner shows how well people have to earn.

Credit without Credible Lender information in the amount of 3,500 USD with three dependent persons requires a net income of 2,130 USD per month. In the variant with 5,000 USD, it would be 2,550 USD net income.

Who grants the loan - what is the bank's promise?

Who grants the loan - what is the bank

All our really intensive research always leads to a foreign bank for legal bank loans without Credible Lender. This bank seems to be the only one that has been able to overcome all the hurdles for lending to Germans free of Credible Lender.

In stark contrast to many brokerage deals, the bank promises only two things. She promises to check a loan without Credible Lender information. The second promise is not to report an approved and properly serviced loan to Credible Lender.

When asked about fast credit, the bank's answer is:

“It is checked by hand. We work as quickly as possible. Credit applications are checked in the order in which we receive them ”. When asked about special conditions through certain intermediaries, such as urgent applications, the answer was “as the requests are received. There are no special treatments ”.

We do not want to hide from the fact that theoretically a legal loan without Credible Lender in any amount from the private sector would be conceivable. But the idea that a private individual takes such a high credit risk is, to put it mildly, abstruse. Unless he could credit in the smallest installments.

Credible Lender entry marked as done - then why without Credible Lender?

Credible Lender entry marked as done - then why without Credible Lender?

If you can really afford your loan in accordance with the requirements of the foreign bank, you don't have to go far. The prerequisite is that the Credible Lender entry has been marked as completed. The credit portals Best Lender and Great Bank are recognized as serious by associations (e.g. DIW Berlin) and the media.

Instead of credit without Credible Lender information from abroad, despite Credible Lender a loan could be applied for seriously online. We recommend applying for a loan on Best Lender, as the portal offers both serious personal and bank loans.

Learn How to Get Out of a Suffocate with a Financial Manager

by admin

Taking care of personal finances involves many issues. You need to organize accounts, take care of due dates, plan purchases and make money multiply. If you think it is impossible to do all this, you need to use a financial manager, which will make this task much

Managers help you view bank movements, credit card expenses, expenses in various categories, and more. This makes it easier to get out of the hustle and save money.

See how the financial manager is a great tool for personal financial control.

 

Integration with bank account

bank

This is an extremely important point of the tool. After all, the manager picks up all your bank movements and puts your expenses into different categories. So you can see how your money is coming out of your account, on what dates and in what form.

If the manager can keep track of his credit card spending, even better. This is one of the main causes of debt today because of the high interest rates.

 

Classification of expenditure

financial loan

With the financial manager you will be able to classify your expenses into categories. This allows you to understand in which areas your money is going faster.

This is the key to making the necessary planning and reducing spending. If, for example, you find that you are spending too much on the car, you can find solutions such as rides, public transportation or other measures that will reduce these expenses.

 

Spending planning

money loan

With all the information we provide you will be able to plan your salary in detail. One of the tools in this system is to create goals for each expense category. If you say you want to spend $ 500 on food, the software warns you when you are approaching that amount.

Isn't that amazing? At the end of the month it will be possible to assess which goals were and which were not achieved.

 

Mobility is key

money loan

To control finances efficiently, there is nothing better than a tool that allows you to understand and visualize the situation of your money anywhere. is planned. Then you go to the manager and consider whether you can add one more expense without compromising your goals. This is the best way to stay true to what you planned and get out of the stress.

 

Ease of use of financial manager

Ease of use of financial manager

Having an easy to use and very intuitive interface motivates and makes life easier. After all, imagine if you needed to put all this information in a spreadsheet. It would be too time consuming and there would be a high chance of some spending going unnoticed. The finance manager makes this task more accessible and practical.

See? Having a technology tool that helps you understand your financial life is for sure a great way to organize your accounts and get rid of your debts. So don't waste your time and try this solution. Here we list some options of online financial managers.