My Blog http://norihikohibino.com My WordPress Blog Tue, 19 Feb 2019 07:21:41 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 I have a loan for an apartment. Can I take a new payday loan? http://norihikohibino.com/2019/02/18/i-have-a-loan-for-an-apartment-can-i-take-a-new-payday-loan/ http://norihikohibino.com/2019/02/18/i-have-a-loan-for-an-apartment-can-i-take-a-new-payday-loan/#respond Mon, 18 Feb 2019 16:59:43 +0000 http://norihikohibino.com/2019/02/18/i-have-a-loan-for-an-apartment-can-i-take-a-new-payday-loan/ See More]]>

For many Poles, buying a flat is possible only on a mortgage. This usually means 20-30 consecutive years spent on paying monthly installments. Can we take a new payday loan during this time?

Mortgage loans are special types of loans for which a property is a security, such as a flat. As we take out a loan for a considerable sum, usually several hundred thousand zlotys, it means a large installment. Of course, the loan must also be spread over a long period so that the average earning person can afford to pay off.

Thanks to mortgage loans, we can fulfill our dream of living in our own “M”, but we also have to remember that it is a risky offer. We are not able to predict what will happen in the future. The home budget can be extended to the limit due to the need to pay a small installment – usually it ranges from 800 to even PLN 2,000 per month. In this case, can we still decide on some other loan or loan?

It all depends on your creditworthiness

Basically, there is nothing to prevent you from applying for another loan or loan when you already have a mortgage. However, we must be aware that we will not always be able to borrow money. This is mainly due to the fact that banks and loan companies investigate our creditworthiness each time. It is on its basis that they decide if we can get money.

We define creditworthiness as the ability to repay debt over a specified period of time. High creditworthiness occurs when we have high incomes and low expenses as well as a good credit history. We talk about bad creditworthiness when our income is not high or we have a lot of expenses and we have little money every month. In the first case, we can count on a positive consideration of our loan application. In the latter it is unlikely, but it is not impossible.

Where can we apply for a payday loan ?

When we have good credit standing, we will get a loan that is practical everywhere – both in banks and non-bank lending companies. Of course, its amount will then depend on what amount we have “free” after paying all our expenses. The higher it is, the more space in the home budget will be repaid.

However, if we do not have a good financial situation, there is a problem. In this case, the bank will most often receive a refusal. Non-bank loan companies remain. The best will be the installment loan, because then the debt can be spread into small installments. However, let us remember that loan companies also check BIK databases, which contain information about our obligations. We can be refused if the loan company does not recognize us as a completely trustworthy customer who can easily repay the loan.

In summary, if our creditworthiness is good, we can easily get additional payday loans when we already have a mortgage.

]]>
http://norihikohibino.com/2019/02/18/i-have-a-loan-for-an-apartment-can-i-take-a-new-payday-loan/feed/ 0
Crossing expensive loan http://norihikohibino.com/2019/02/01/crossing-expensive-loan/ http://norihikohibino.com/2019/02/01/crossing-expensive-loan/#respond Fri, 01 Feb 2019 01:01:42 +0000 http://norihikohibino.com/2019/02/01/crossing-expensive-loan/ See More]]>

Especially when you have a lot of loans from various lenders, it is wise to have a loan.

You can often get a cost saving. It is sim to make use of the possibility. Certainly if you have a credit card, or if you have used the overdraft facility in full, it is wise to look for better alternatives. After all, if you pay less interest you can close the loans faster. It is good to use this.

Borrow more money for a lower interest rate

It is often possible to take out a higher loan against lower monthly payments. It is attractive to of course pay less money and still receive more money. It is good to explore the possibilities. Of course you do not have to borrow more money immediately if you do not want to. Choose at least to choose lower monthly charges. They will help you to keep more money in the month. You can even use the money to repay your loans faster.

Get rid of your loans sooner!

It is good to repay your loan faster, when you pay less interest. Use the money to get rid of your debts. This creates an even strong effect on your monthly payments. Less debt means less interest. This creates even more room for redemption. It is good to use this. You enter a positive vicious spiral to pay off your loans quickly and well.

How can you transfer the loans?

It is actually very easy to discover what is possible. You can very easily and quickly transfer the loans via the internet. You can submit an application on the internet to be able to transfer the loans. You indicate here which current loans you have and then adjust the credits. It is smart to ensure a good new loan.

Therefore, look around the internet enough to take out a new loan. Compare the different providers with each other and also look at the conditions that come with it. Only then is it smart to see how you can transfer your loans.

Some extra money!

It is often possible to transfer the loans and also get a bit of extra credit. It is smart to make use of that possibility. You can use the money to achieve a new goal. We often see that the new money needs the option to transfer all loans. It is often the cause to transfer the loans.

It is wise not to wait that long. Look every year for the options to get a different mortgage. That way you can provide an easy and good solution for getting lower monthly payments. In the end, we all want to pay as little money as possible everywhere.

]]>
http://norihikohibino.com/2019/02/01/crossing-expensive-loan/feed/ 0