flight93.org http://www.flight93.org My WordPress Blog Tue, 19 Mar 2019 16:35:06 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Short and Long-term Loans – Pros and Cons http://www.flight93.org/2019/03/19/short-and-long-term-loans-pros-and-cons/ http://www.flight93.org/2019/03/19/short-and-long-term-loans-pros-and-cons/#respond Tue, 19 Mar 2019 16:35:06 +0000 http://www.flight93.org/2019/03/19/short-and-long-term-loans-pros-and-cons/

Currently, we can use a variety of loans both at banks and loan companies. We have at our disposal these short-term, so-called payday loans, as well as long-term loans for longer periods. Each of these offers has its pros and cons. What is worth knowing about them?

In the search for additional money, we should first of all determine what amount we will need. Currently, we can finance both your smaller and larger expenses – from buying a TV set to a flat. The key is to choose the right offer that will meet our expectations and, of course, it will not be too expensive.

For short-term and long-term loans, we can go to both banks and non-banking companies. What’s more, the formalities can also be done online, without having to leave the house, which is a great convenience. However, not always a short or long term loan can be used interchangeably – sometimes it is better to decide on a specific one. What to choose? We invite you to check our advice!

Short-term loans:

• quick and easy to take

• we can receive them 100% online

• minimum formalities

• amounts usually from 1,000 to 3,000 PLN

• repayment period from 14 days to 3 months

• best when we need quick cash

It is best to opt for a short-term loan if you do not have enough savings to cover expenses that have arisen suddenly. As you can see above, the sum we can borrow will not be very high, which means that they are the best loans for smaller expenses, for example for a small renovation, purchase of household appliances, preparation of holidays.

Short-term loans are the easiest to get online, but we can also use them in stationary loan companies. It is they who offer short – term loans most often. In most banks, the minimum cash loan period is 3 months. What is important, we usually pay a short-term loan in one installment or in several installments. Let’s remember to calculate well whether we can settle the obligation.

Pożyczka krótko i długoterminowa – plusy i minusy

Long-term loans:

• usually more formalities than in the case of short-term loans

• require appropriate creditworthiness – you may be required to submit your earnings certificates

• there may be a need to provide security – a surety, mortgage, signing of a promissory note

• repayment period from 3 months to several dozen years

• amounts from PLN 5,000 to several hundred thousand PLN

• perfect when we need more cash

When we need more cash, the long-term installment loan will be the best. This kind of loan will allow us to easily finance larger purchases, the costs of which can go up to hundreds of thousands of zlotys – then mortgages are most often used. When it comes to cash loans, they are usually offered on amounts depending on the client’s creditworthiness. We will get long-term loans in banks and loan companies.

At Cryobank, we have prepared an attractive non-banking loan for our clients that will allow you to borrow up to PLN 10,000 for any expense. The maximum repayment time is 24 months. The application can be submitted online now!

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Payday Loan of 2000 euros, immediately and without paychecks: where to apply http://www.flight93.org/2019/02/26/payday-loan-of-2000-euros-immediately-and-without-paychecks-where-to-apply/ http://www.flight93.org/2019/02/26/payday-loan-of-2000-euros-immediately-and-without-paychecks-where-to-apply/#respond Tue, 26 Feb 2019 16:36:53 +0000 http://www.flight93.org/2019/02/26/payday-loan-of-2000-euros-immediately-and-without-paychecks-where-to-apply/

Let’s see what are the best proposals available on the market for the 2,000 euro loans. Whom to contact to obtain a small loan without pay immediately and what are the alternative guarantees required by the various companies. Finally, all the characteristics of the loans offered, with the repayment installments provided and the interest rates applied.

2000 euro loan without pay check: where to request it to get it right away

2000 euro loan without pay check: where to request it to get it right away



If you are interested in receiving a € 2,000 loan, there are several credit institutions that you can rely on to receive a small loan. An aspect to consider when we have to choose the bank or financial to which we rely is that relating to the required requirements. If we do not provide the right guarantees to the company we will not have access to the credit we need. Among the guarantees most requested by the various companies and therefore without which often we are not granted funding is the paycheck, which demonstrates a guaranteed monthly income.

Depending on the income received, many times a maximum amount that can be requested is defined, which also depends on the duration chosen for the loan. The repayment installments will be fixed according to what is our monthly income: obviously the higher the salary we receive each month and the higher the repayment installment that we can fix. Based on this and the duration chosen for our financing, the maximum amount that we can request will be defined. In the event that the customer is not an employee, and therefore does not have the ability to present the paycheck as a guarantee, many times the request for a loan can be complicated.

However, especially when the sum requested is not excessively high as in the case of the 2,000 euro loan, some companies provide for the disbursement of the loan also to those who are without paychecks, which will be subject to the presentation of alternative guarantees decided by the companies themselves. So let’s see what are the best companies to turn to get a fast loan of 2,000 euros without a paycheck. For the major banks we will see what are the guarantees necessary to obtain a small loan and what is the treatment that can be obtained.

Ultranix, loans from 2000 euros immediate

Ultranix is the first company that offers even non-employees a loan of 2,000 euros. The personal loans Ultranix are in fact also aimed at self-employed, who instead of the paycheck will have to submit the last tax return. The monthly net earnings will determine the maximum amount to which you will have access. If you do not have enough income to obtain the financing, or if the amount of money you need is higher than this threshold, then the solution is that of the presentation of a guarantor, who will be responsible for any installments not pay for us.

As confirmed by the comments found in the various forums, small Ultranix loans are usually disbursed in a few hours. To see in detail what is the treatment offered by the company, we used the simulator available online. This software offers customers the opportunity to receive an immediate estimate of the expense that will have to be faced in case you decide to proceed with the loan request of 2,000 euros. To give you an immediate view of the characteristics of the Ultranix loans, the following table shows the repayment rate and the interest rates applied to the loan for each of the available duration.

6 months 339.09 euros 5.90 6.06
9 months 227.72 euros 5.90 6.07
12 months € 172.04 5.90 6.07
15 months € 138.64 5.91 6.07
18 months € 116.37 5.90 6.06
21 months 100.47 euros 5.90 6.06
24 months 88.55 euros 5.90 6.06
36 months € 60.75 5.90 6.06

The 2,000 euro Ultranix loans last from 6 months to 36 months. Being a sum of money not particularly high, our advice is to avoid setting a duration too high. As you probably already know, in fact, the longer the duration and the higher the cost related to the interests that we will have to pay to the financial. Considering that the repayment installments are almost all within reach, we advise you not to choose a refund in more than 15 months. For example, for a 2,000 euro Ultranix loan, choosing a term of 12 months, the monthly payment will be equal to 172.04 euros, with Tan interest rates of 5.9 % and Taeg of 6.07%. So the expected installment will not be too high and at the same time you will not have to pay an excessively high cost from the point of view of interests.

2 million euro Astrofinance loan, immediately at an incredible rate

Another excellent solution aimed at all those who need 2,000 euros in a short time, but who do not have the opportunity to present their paychecks as collateral, is represented by the Astrofinance personal loans. Also in this case it will be necessary to present the unique model that demonstrates the income to the bank. The latter must also have been accrued in Italy, and as mentioned above it will be important to have the most constant gains over the year, to ensure that the bank will be able to face the repayment installments each month.

Also through the Astrofinance website you can request a free quote online, very useful for identifying the ideal duration based on the amount of money we need. The table below shows the different financing options offered by the company, among which you can choose or compare with estimates from other banks to find the most convenient solution ever.

18 months € 119.70 9.54 9.97
24 months € 91.80 9.46 9,89
30 months 75.20 euros 9.54 9.97
36 months € 64.10 9.53 9.96
42 months 56.20 euros 9.54 9.97
48 months € 50.20 9.45 9.87

In this case the minimum duration that is proposed to us by choosing a small loan of 2,000 euros is 18 months, while at most we can choose a refund in even 48 months. The monthly installment for the repayment duration with minimum amount to EUR 119.70, with fixed interest rates: the annual rate will be of 9.54%, while the annual percentage rate will be of 9.97%. In this case the interest amount will be the lowest of the solutions offered. For this reason, considering that the monthly cost of financing is not particularly high, it is the optimal solution.

Cleopar, personal loan of 2000 euros without a paycheck

Among the major companies offering fast loans of 2,000 euros certainly could not miss Cleopar. Even in the latter case, the alternative guarantee to the presentation of the paycheck is the same, namely the presentation of the Single Model. In the case of young people, who therefore do not have an income to prove, it will be possible to present the signature of a parent or a relative who acts as guarantor. In this case it is not possible to proceed online and it will be necessary to make an appointment at the branch. At the time of the meeting for the start of the practice it will be indispensable the presence of the guarantor himself, who must have with him all the documentation related to his economic situation and must undertake to take charge of all repayment installments not paid by the beneficiary of the financing.

As for the characteristics of personal loans Cleopar from 2,000 euros, in this case the simulator that we find on the company’s website does not allow us to make a quote, given that the minimum amount to be entered is equal to 5,000 euros. To know the treatment that will be offered by Cleopar before proceeding with the actual request, the best thing to do is to make an appointment through the Cleopar website and go to one of the company’s branches to request a detailed estimate. to a fully dedicated industry expert.



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Loan 1000 euros: Personal Loans Online Quote http://www.flight93.org/2019/02/22/loan-1000-euros-personal-loans-online-quote/ http://www.flight93.org/2019/02/22/loan-1000-euros-personal-loans-online-quote/#respond Fri, 22 Feb 2019 12:56:19 +0000 http://www.flight93.org/2019/02/22/loan-1000-euros-personal-loans-online-quote/

We discover the Astrofinance personal loan for 1,000 euros. All the features of this form of financing with interest rates and repayment installments. Free estimates online to compare the conditions offered for each of the available durations, choosing whether or not loan insurance.

1000 euro loan Astrofinance: free online quote, installment calculation and interest

1000 euro loan Astrofinance: free online quote, installment calculation and interest

If you are looking for a 1000 euro loan, the solution that can do for you is the Astrofinance personal loan. This solution allows us to receive non-finalized funding, starting from 1000 euros. The best thing to do to compare this product with others on the market is to request a quote. Through the Astrofinance website we have the possibility to use the online simulator, which allows us to know in a few clicks the conditions offered by the company for the sum we desired. The request for a quote is completely free, and in addition to simulating the loan, no registration will be required on the site, nor will we necessarily need to be a bank customer. This is a great advantage, which also allows those who are customers of another bank to compare the characteristics of funding offered by Astrofinance with those of its bank, so you can choose the most convenient in total freedom. The calculation of the estimate does not constitute any constraint, so we can check the conditions for different amounts of money, then choose to contact another company or not to make the loan application.

In case you are interested in receiving a loan of 1000 euros, one of the solutions for you is that of Astrofinance personal loans. All you have to do to know the conditions of the loan is to visit the area of ​​the bank website dedicated to personal loans and enter the desired amount in the appropriate space. You will also need to specify the project you intend to make with the 1,000 euros you will receive on loan. It is good to specify how Astrofinance admits any type of project, and therefore there are no constraints in this sense. The list of purposes that we can choose is very long, and includes for example the purchase of cars and motorcycles (new or used), the purchase and renovation of a property, the purchase of home appliances and furnishings, expenses for studies, legal fees and medical care. Finally, if the reason we need 1,000 euros is different from those proposed, we can select the item “Various Projects”. The choice of this item is not particularly relevant for simulation purposes, as the determining factors for the amount of each installment and for the total expenditure that we will face are the sum requested and the duration of the loan.

To offer you an overview of what is the treatment offered by Astrofinance for personal loans of 1,000 euros, we have made the request for a quote. For this form of financing the company usually offers the possibility to choose the duration from a minimum of 18 months up to a maximum of 120 months. In this case, since it is a rather low sum of money, we are presented with only one solution, which is the one with the minimum possible duration. The monthly payment will be € 59.80, which we will have to pay for a year and a half. The expected interest rates are both fixed, with a Tan of 9.44% and a Taeg of 9.86%. The total that we will have to repay will therefore amount to 1076.40 euros (59.80 euros x 18 months), and therefore the cost of financing will be a total of 76.40 euros, a decidedly affordable sum. For this reason, personal loans are among the most requested products in all Astrofinance, as they allow us to receive the sum we need in a short time and with a deferred repayment that does not provide excessively high installments for the applicant.

Can the Astrofinance personal loan of 1000 euros be insured?

Can the Astrofinance personal loan of 1000 euros be insured?

When requesting a quote, among the information requested before starting the simulation, in addition to the desired amount and the project we intend to carry out, it is whether or not we wish to secure our loan. This will result in a slightly higher cost of the monthly installments and therefore of the total loan costs, yet it offers greater protection to the customer. The policy that we can stipulate assures the applicant in case of unfortunate events such as death or permanent disability. For this reason it is especially recommended for elderly customers, even if particularly for sums of money rather high, to avoid for example that in case of death the heirs were with a heavy debt. At the time of the loan simulation of € 1,000, is it possible to insert the insurance and if it is the monthly cost of the same?

We tried to check the 1000 euro loan insurance cell, but the system replied that the parameters entered are not valid. After making some attempts by modifying the purpose of the loan and subsequently modifying the amount to be requested, we have come to the conclusion that the Astrofinance insurance can not be stipulated for requests for 1,000 euros. In particular, the insurance policy can be inserted starting from a figure above 2,000 euros. Indeed, it would not make too much sense to spend a sum, albeit minimal, to make sure for a figure of only 1000 euros. If we wanted to verify this condition is to avoid that going to make the simulation you could not understand why you were in front of an error page.

So if you prefer to secure your loan, you will have to change the amount you requested, so you can see immediately, in addition to the interest rates applied, the amount of each installment and the part of it that serves to pay insurance. As we said, however, our advice is to secure your funding only for higher amounts of money, such as those above 10,000 euros. For personal loans of € 1,000, therefore, all you have to do before applying for a loan is to enter the amount and specify the project to be implemented, without taking into account the insurance box. In any case, we remind you that the estimate obtained is only an estimate of what will be the treatment that will actually be reserved for you. Factors such as age, salary or pension, can determine slightly higher rates, even if generally for small amounts such as 1,000 euros the estimate of the installment is very close to the real one.



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