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Whoever would have liked to have a loan now knows how difficult it is to choose nowadays, as many institutions offer many different offers, and it is often difficult to decide exactly what is important when choosing a loan.

A must-have step

Not to mention the importance of a responsible decision. The credit calculator is an indispensable step if you want to find the best deal for you.

The credit calculator is good for comparing the available loan structure with different credit schemes and making the offers easy to read, making the choice easier. Due to too much information in the online world, you can save a lot of time with the credit calculator, so you should not miss out on the decision process.

Safe, fast, comfortable

Often, banks hide the essence of the tiny parts and try to set their own offer to the best, thus attracting customers. Since it is completely irrelevant from the point of view of credit calculators, which financial institution of the credit separator is borrowing, so it provides a comparison based on reliable and objective data. This is invaluable.

It is also very easy to use: you need to provide some basic information, such as the amount of credit you want to buy, the desired maturity, during which the loan or net income will be repaid. In addition to the information you need, no personal information such as name, address, ID number is required, so the use of credit calculators is very safe.

Based on the information provided, the credit calculator will provide a list of constructions that may be relevant, so there is nothing left behind to browse through the bids and choose the most appropriate one.

What we do with our money reflects directly on our routine and lifestyle. Some habits can help us lead a quieter life and even achieve greater personal and professional success. So, we’ve brought in this article 5 helpful tips on good habits you should take if you want to have control over your money and change your life. Check out!

Centralize your expenses

Do you have numerous credit cards and bank accounts? It is very easy for you to get lost and forget to pay off some debt and still bear that heavy interest rate. To avoid this, try to organize your spending and if necessary adopt a single card for this, so you get a broader view of your expenses and do not run the risk of getting into debt.

Have idea where your money is going

Knowing where your money is being spent is indispensable for financial control. By controlling your expenses you can see where your salary may be wasted and make cuts, so you can save money and suddenly even invest your money.

Know how to say no to yourself

Listening to one can often be painful, but very necessary. So, say no to yourself more often, not everything you wish to possess, in fact is for your need. Avoid impulsive shopping, see some product you like, do not buy it right away, take at least a day to ponder whether that purchase is really useful and what you will have to exclude from your priority queue to buy it.

Be more realistic

Be more realistic, that is, to see that life has its many unforeseen, which may not be so drastic if previously forewarned. So, save your money by thinking of surprises that could get you down, unemployment, accidents, illness, etc.

Plan

And of course, life is not just paying bills! With financial planning you can schedule that trip of your dreams and allocate part of your salary to it. Set your goals and dreams and set aside an amount of street monthly income to take a vacation and have fun.

And remember, it got tight? Do not freak out! We at Azul can help you, just request your personal loan online, we guarantee speed, security and ease. Financial Group, You far from red.

A credit card is an extremely convenient tool for a borrower if he urgently needs money. Despite the fact that the interest on credit cards is rather high, and sometimes you have to overpay up to 60% per annum, the availability of a grace period allows you to compensate the money spent from the card without penalty. And since the limit compared to conventional loans is relatively small, it is quite realistic to take credit cards from banks without any income certificates and other additional documents.

Requirements for borrowers

Despite the fact that a credit card can be obtained without any problems, certain requirements are imposed on borrowers:

• age – at least 18 years old (most often – from 21), maximum – 55 for women and 60 for men (with the opportunity to take special credit cards for elderly clients);
• Russian citizenship;
• registration – in the village where the bank branch is located.

Having a good credit history is desirable, but not required. In most large banks like Sberbank or VTB24, in case of overdue payments and heavy debt, they are unlikely to issue a card. But in smaller federal and regional ones it’s worth trying – the lowest failure rate is there, as well as when making a loan online.

It is also desirable to have a permanent job, if there is none, not a problem; you can also get a loan without formal work by presenting certificates or extracts from an unofficial job. When providing certificates of income credit card processing is extremely fast and initially increased with the amount. However, you can do without additional information, limiting one passport.

Credit cards without income verification are a rather fashionable trend. Given that many people already have loans or debts on them, banks take risks and issue credit cards without a thorough check of the borrower or a simplified scoring scheme.

Package of documents

If you apply for a credit card without references and guarantors, then the probability of approval of the loan is somewhat lower.

In order to receive a card, in any case, you will need to provide the following documents:

• passport with stamped place of residence;
• Any second document – rights, military ID, certificate of a security official – the main thing is that he was with a photograph of the borrower.

If you provide a minimum package, you can count on issuing a card with a lower loan client and more stringent conditions, for example, a reduced grace period and increased interest.

To achieve more favorable conditions, it is necessary to provide as many documents as possible, including those confirming the presence of work and sufficient income, or to attract guarantors, or provide an extract from your credit history.

What to look for

To get a credit card at a banking institution, you must first carefully read the terms of its provision. It may well become clear that they will not suit a potential borrower. It is worth paying attention to the following:

1. Is it possible to withdraw funds from a credit card through an ATM (cash) and how much it will cost. In most cases, it will have to pay a commission. It may be fixed or depend on the amount withdrawn. If the borrower plans to cash out a credit card, then this point should be paid special attention.

2. Is it possible to pay with a credit card on the Internet? Most cards allow you to do this – if the CVV-code is indicated on the back of the card, then it is allowed to pay online.

3. Whether an online transaction is considered a purchase. In some cases, for example, when transferring funds to an e-wallet, this is considered to be cash withdrawal, therefore interest rates and the grace period may be different than if you paid for the goods in the online store.

4. What is the duration of the grace period and how is it calculated. In some cases, the grace period is “floating”, i.e. it depends on the date of payment and is, for example, 30 days. But some banks tie the end date of the grace period to a certain date of the next month after the purchase.

5. What are the bonuses when using the card, and what advantages does it give. Some banks offer a cash tank even for a credit card. Paying branded card in stores, you can count on a discount. All these points need to be clarified in order to use your “plastic” with maximum benefit.

6. Prices for the use and additional services: the cost of annual maintenance and reissuance, the price of the Internet bank, the amount of fines for overdue, etc. If these values ​​are too high, you may need to look for another option. There are quite a few banks that allow you to get credit cards on a passport alone.

7. Availability of additional services and their cost. For example, a mobile bank. Some banks, without the knowledge of the client, connect insurance to him. It has to be paid twice – with interest, since the cost of monthly installments is charged on the body of the loan, increasing the size of the debt.

Thus, with the design of credit cards in no hurry. It is necessary to weigh the pros and cons. You do not need to pay attention only to the service and the possibility of delivering the card directly to your home – this, of course, is convenient, but you have to pay for all the amenities.

Bank receipt algorithm

In order to be guaranteed, without refusal, to receive a credit card in a bank, you must carefully prepare for the approach to the institution. After studying the conditions of using the card and choosing a specific product, it is necessary to estimate whether you are suitable for the bank. In some cases, you can make an approximate calculation of creditworthiness on the site of the institution and find out the minimum amount of income. A little more will need to be called when filling out the application.

It is much easier to get a credit card in such organizations, since it is not required to provide documents. In case of doubt, the bank manager calls the borrower to work and specifies whether the applicant really is listed there and what salary he receives.

You can also ask the manager to enter the position of the borrower and ask him to indicate in the questionnaire a sufficient amount for obtaining a loan. As a rule, there are no problems with this, as the bank employees themselves are interested in increasing the number of customers.

So, the algorithm for processing credit cards without providing a full package of documents directly at banks is as follows:

1. You choose the appropriate institution and the specific type of card, you will find out additional conditions.
2. Come directly to the office with a passport and a second document.
3. Fill out a questionnaire with the help of a manager, specify all personal data, the desired amount, the amount of income, etc.
4. Expect approval or rejection.

In some cases, the decision will be instant – if you do not need too much money. The client will be given a standard card with standard loan terms.

If you need a significant limit, you will have to wait for approval from the head office (usually a day), as well as 5-7 days, until a personalized card is issued and delivered.

Online registration

Some banks, for example, Bank Credit Systems and the Bank of Moscow, specialize in issuing credit cards with home delivery. The procedure for issuing a card in such banks is extremely simplified, they can be ordered directly on the official website of the institution.
The algorithm will be as follows: 

1. Make a request online directly on the site. Specify personal data, the desired amount on the card, fare and other conditions, as well as a convenient time for delivery of the card to your home.
2. Attach a scan of the passport and the second document through a special form and send the questionnaire.
3. You are awaiting a call from a specialist who will clarify whether you have actually drawn up the application, as well as some parameters. He will tell you whether the card was approved, under what conditions, with what reserve of funds in the account.
4. The courier will contact you on the day of delivery, who will agree with you on your arrival time at home.
5. Upon arrival, the courier will give you the card itself, terms of use and tariffs. You will sign two copies of the contract, one of which will remain with you.
6. Then you will only activate the credit card. To do this, go to the bank website and specify the details of the “plastic”. After activation, you will receive a PIN-code – most often in an SMS-message or by means of a message of code numbers by robot on the phone.

Ordering a credit card online is quick and convenient, and modern means of communication make this process safe. However, all the cards ordered via the Internet are personalized, so you have to wait 7-10 days until the “plastic” is released in your name and delivered to the city.

Maybe it wasn’t that important for a good credit calculator as it is now. Fundamentally, it is important to choose the best option for a home loan, which is usually made for 20 years. But the current period is still a bit. And we need to make a more serious decision than before. Let’s show you how General’s calculator helps you!

What can the calculator count?

First of all, it is important to note that not only home loans can be counted on the site, but also personal loans, housing savings, and even NOK. They can all be useful, but let’s focus on the home loan calculator now! We’ll see that it’s going to be a lot of millions of forints.

Even the choice of credit target is not the same for a home loan. Other results come out if we say the option is used to buy a home or to use it for free, or to make a loan change in the calculator. Stay on the basics and count on a simple used home purchase loan!

HUF 12 million loan

With the emphasis on numbers, let’s see how much a 22-year-old 12 million forints loan can cost us. For now, don’t deal with the interest period and show us the best deal for each bank!

The first offer we receive is a HUF 63,745 monthly repayment of the Local Bank’s Forint-Based Equity Equity Equity. THM is 3.31% and interest period is 6 months. At the same time, if we roll to the bottom of the results, we will meet with other numbers. Sopron Bank’s forint-denominated housing forint loans are for HUF 79,785 a month. The APR is 5.88%, but the interest period is 5 years.

The difference is quite conspicuous, because it wouldn’t notice the difference of 16 thousand HUF a month. In terms of the total amount (which we will repay), it will face HUF 16.8 million with 21.1 million. This is HUF 4.3 million.

However, in the case of a more expensive loan

The monthly repayment cannot change for 5 years, but even in the case of a cheaper loan, it can be changed in 6 months. This also shows that without a credit calculator it is not worth starting to think about credit. However, you should not forget that it is not a substitute for professionals. That’s why you should contact us! We add the little plus that we need to get the best out of borrowing.

Future builders and homebuyers are not always under pressure. Anyone who embarks on a search for suitable mortgages in good time can look around for the right real estate loan.

Some take advantage of this opportunity and sometimes even wait in a targeted manner – in the hope that interest rates could fall within the next few days or weeks, which will make financing cheaper.

Potential buyers should keep one thing in mind

The market can also move in the other direction, which threatens to increase mortgage rates. In recent weeks, however, the market has remained extremely stable.

Overall, only relatively weak interest rate changes were observed. Who has waited, lived through a relatively quiet time, the interest rates are basically the same.

Interest rates can also rise

Whether market rates will fall is hard to say. Meanwhile, the downward trend seems to be stopped, a few months ago, the construction field was already cheaper.

Especially since the US is coming to the fore: The bond purchases of the Fed should be discontinued, which speaks in the medium and long term for rising market interest rates.

Nevertheless, the market as a whole is difficult to estimate, so prospective borrowers are generally well advised not to take too high a risk. Especially since the current mortgage rates are very attractive anyway. If you take out a loan financed on first-class terms – the long-term historical comparison confirms this.

Think of the loan comparison

By the way: more important than the time of the contract is the interest rate comparison. Significant interest rate differentials may exist between the terms of individual banks. Only if loan conditions are comprehensively compared in advance, a guaranteed favorable loan comes within reach.

People do not distinguish between investing and saving. It is very important to invest more on maths and trends than emotions. So when we decide to invest, we need to take into account three basic factors: revenue, risk and liquidity.

Units are worthless without zeros and zeroes without units

Only by joining them is there a value that you can lean on. Investing so that it pays off.

How to start investing? A simple question with a complex answer. The investment is a long-term capital commitment to profit. These are actually expenses for future profits. At the beginning, however, it is sufficient if we make an overview of the investment possibilities, their advantages and disadvantages. It is very important to invest more on maths and trends than emotions. So when we decide to invest, we need to take into account three basic factors: revenue, risk and liquidity (investment triangle).

Investing doesn’t mean saving yourself

The basic drawback is that people do not distinguish between investing and saving. Slovaks often save for a specific purpose such as vacation, car, reconstruction, children and so on. In this way, however, they create a reserve that they then spend on their purpose and result in them being at zero again. Saving and investing are similar activities, both using financial products such as mutual funds. The basic difference is that when saving into a selected financial product, you deposit a certain amount on a regular basis (monthly) while investing in a selected “product” usually inserts the amount invested. Another difference is the amount. When saving, these are smaller amounts and when investing you usually deposit a one-time higher amount of funds. On a one-time investment, it is important to keep the investment horizon when it comes to higher amounts, which is why it should be free financial resources (vacant assets) rather than a reserve to achieve higher returns than on savings products. In other words, the definition of revenue is a reward for the risk incurred.

Possibility to invest from the comfort of home

In today’s electronic age, it is also possible for an investor to invest over the Internet, for example, via the Internet. First and foremost, you must opt ​​for the best option and explore availability. There are many possibilities and we have already written more about previous articles.

“Investing” over the Internet: retirement savings, bonds, stocks, mutual funds, stock exchanges and others, but we can also choose alternative forms of investment such as art, wine, real estate.

Do you want to have a pension like the Swiss?

Just a few months ago, the media struggled for the importance of II. pillar. Whether you decided to stay only in the 1st pillar, or are you involved in the II. pillar, your pension will probably not be at a height to compare it to “neighbors from the west”. Last year’s PARTNERS Survey shows that as many as 62% of working Slovaks do not rely on retirement and rely on I. and II. pillar. This is mainly due to lack of information and unnecessary investment concerns.

Make yourself retired

To keep your standard of living in retirement, start retiring as soon as you are productive and receiving regular income. In the long term, you can save yourself in a number of ways, such as setting up life insurance with savings, in III. pillars, invest in real estate or mutual funds. Abroad, it is becoming increasingly common to retire, by investing in peer-to-peer loans for people.

Even now, when interest in banks is very low, many people use ordinary savings accounts to save money. The annual interest on these accounts is somewhere between 0.01% and 1.5%. The advantage is zero risk, but the return will not cover inflation (the current annual MFSR inflation rate is 1%, although it was only 0.2% in May 2015), and thus your savings are depreciated every year. But this is not investing but regular saving.

Investing through Credit Adviser Euro, as

For those who have free money and want to really invest and valorize their money, ie above the inflation rate and want to make use of the possibility of investing over the Internet, see website and see what Euro annual interest rates are in Credit Adviser ( For example, when investing through Credit Adviser for 5 years, the yield is 5%) as your investments are secure and diversified. If you are interested, you only need to select the investment period and its corresponding annual interest rate, fill in a short registration, send an investment and make money.