Monthly Archive: April 2019

Flexi online loans offer maximum convenience

In the credit product market, one of the more and more sought-after ways to resolve short-term outages or to cover extraordinary expenses. So-called. Quick loans can be arranged online from the comfort of your home without unnecessary bureaucracy and delays, so you get access to finance virtually instantly. Unlike normal banking practices, you do not need to prove your income, guarantee property, or refrain from obtaining registry statements. Compared to other micro-loans, flexible loans offer freedom to distribute installments and great savings on interest.

Today, even current short-term loans offer quick settlement and uncomplicated access to money. The main difference is the setting of installments and their maturity. When negotiating this type of banking product, you choose to pay in advance by being bound by the obligation to make a payment at a specific date. Similarly, the amount of installments is chosen. While it is possible to extend the maturity period, postpone the installment or completely re-set the regular installments, this is usually preceded by further negotiations and approval processes, which is neither comfortable nor time-consuming for consumers.

A short-term outage is best dealt with a loan based on a financial reserve

A short-term outage is best dealt with a loan based on a financial reserve

In a modern, dynamic time, it is very difficult to estimate the movement of finances with unmistakable accuracy and to have a clear picture of their use in advance. Every household should have an overview of current incomes and expenditures so that it can build on a long-term basis and have a family budget in balance. Part of the money management is also the financial reserves that are created for the Uncle of Accident to cover unexpected expenses. Despite maximum discretion and rational money management, it often happens that in the short term we get into a situation where we are unable to respond flexibly to the financial needs that we currently have. It is natural, because the days, weeks, and months do not always go the same, and consequently our financial demands are diverse.

Many people incorrectly evaluate their financial situation and start to demand classic micro loans with clearly defined repayment rules and unfavorable interest rates. However, similar situations can best be addressed by flexible loans based on financial reserves with the possibility of repeatedly drawing funds. Compared to other loans, you save up to 75% on paid interest. You do not pay any fees for handling and maintaining your account, but you always have money available for emergencies.

Zaloan Credit, a flexible loan of up to CZK 35,000

Zaloan Credit, a flexible loan of up to CZK 35,000

Zaloan Credit is an overdraft financial reserve that can be used up to CZK 35,000, even repeatedly. With this product you will always be sure that you will always get the money when you really need it, plus fast, simple, safe and confidential. You can keep the financial reserve for an unlimited period of time and keep it as easy as you can with a feeling of peace that you are secured in case of loss of employment, long-term illness or other expenses beyond the normal family budget.

Providing and managing Zaloan Credit is free of charge without any charge, paying only interest at the time you actually use the money. You also set yourself when and when you will repay the money back. You can simply apply for the Zaloan Credit financial reserve online, just fill out a web form to select the amount you want, fill in a few basic details and submit. 24/7 customer service will contact you immediately. Together, you will process the request within minutes, and you’ll have an average of 15 minutes in your account.

How to benefit from the renovation works loan?

What is the renovation works loan?

What is the renovation works loan?

Undertaking renovation work in a dwelling allows it to be valued. The renovation work loan is intended to help finance a renovation project, a development or any other type of construction related to real estate. The renovation work loan will, for example, finance the expansion or creation of a room, dig a pool, build a veranda, redecorate your home or save energy. As part of a renovation work loan, the bank or credit organization makes available a sum of money to an individual who wishes to carry out work in a property he owns. The renovation works loan can be used for basic work or comfort. This loan may be granted for a principal residence, for a second home or for a rental property. In case of co-ownership, if the renovations affect the common areas, it is necessary to obtain the authorization of the other owners. It is important to note that most interior renovations are not subject to authorization (plumbing, electricity, interior decoration, etc.). However, any creation of a new living space of less than 20 m² with a minimum height of 1.80 m will be subject to a declaration of work (to ask the marie). As for the creation of more than 20 m², the application for a building permit will be mandatory. In view of a possible renovation work loan, there are, as an indication, estimates of the budget of work planned for a dwelling, it is necessary to provide about 150 € / m² for light renovation works, 1000 € / m² if This is to redo all paintings, electricity and bathrooms, and up to 1 400 € / m² for structural work (openings, creation of partitions, etc.). In order for these estimates to be as accurate as possible, the best solution is to have companies quote accurate quotes.

Are there different ways to get a renovation work loan?

Are there different ways to get a renovation work loan?

There is, in fact, a fairly wide range of home renovation loans. Depending on the importance of the work done, different loans renovation work may be proposed.

The personal loan

The personal loan

The personal loan, commonly referred to as consumer credit, is most certainly the renovation work loan best suited for work requiring only a small amount of money. Proposed by all banks and credit institutions and accessible to all (subject to the eligibility conditions of each bank), the personal loan can be subscribed for any type of work, whether the work is carried out by a company or no. The amount of this renovation works loan is capped at 75,000 euros, for a maximum duration of 10 years. The money needed for the work is released as soon as the loan application is accepted. In addition, the Total Effective Rate (APR) of the loan is reduced because there are no fees. The personal loan also does not require the subscription to a death and disability insurance. If the borrower wants to pay off his loan early, he will not have any penalty fees. Be careful, even if the overall Effective Rate (APR) of the loan is reduced by the absence of the application fees, you should know that the interest rate applied may be higher than that of other types of renovation work loans. To know also, you have a right of retraction during 14 calendar days from the signature of the contract work renovation works.

The mortgage

The mortgage

The home loan is the renovation work loan best suited for work requiring the borrowing of a large sum. In most cases, this renovation works loan is taken out when you want to buy a property but it also allows you to finance everything related to real estate. Real estate loans therefore do indeed finance work. To subscribe to this type of renovation work loan, the work will have to cost more than 75,000 euros. The duration of repayments can range from 10 to 30 years. This renovation works loan allows the borrower to benefit from a lower overall effective rate than for the previously mentioned personal loan. In the case where the borrower has already taken out a mortgage loan for the purchase of a property, monthly payments may be globalized. Nevertheless, it is important to remember that unlike the personal loan, the bank and credit institutions require the subscription to a death-disability insurance and can also take guarantees (mortgage, deposit …). Fees are also charged. As for the prepayment of this renovation work loan, it will cause penalties.

Housing savings plan (PEL) and housing savings account (CEL)

Housing savings plan (PEL) and housing savings account (CEL)

Holders of a home savings plan (PEL) or a home savings account (CEL) can benefit from a housing savings loan. Interest rates are often lower than those of other home improvement loans. In addition, borrowing in this way makes it possible to receive the state premium provided for these investments. In the case of this choice of renovation work loan, the works must:

  • Either modify the living space of the accommodation (extension, development, division …)
  • Either contribute to the improvement, conservation, equipment or sanitation of housing
  • Either allow energy savings.

This type of renovation works loan does not support the decoration of housing, such as paintings, wallpapers, floors …
For this home savings loan to be granted, the Home Savings Plan must be at least 4 years old, compared to only 18 months of seniority for the Home Savings Account. Regarding the Housing Savings Account (CEL), 37 euros of interest must have been accumulated by the borrower to be granted the loan for improvement works or 22.50 euros for work to save money. ‘energy.
The amount of the renovation works loan depends on the total interest earned on the LEC or ELP and the chosen repayment period. There is no minimum, but a maximum of 23,000 euros with a home savings account against 92,000 euros with a home savings plan.

Eco-loan at zero rate (eco-PTZ)

Eco-loan at zero rate (eco-PTZ)

The zero-rate eco-loan, a commitment from the Grenelle Environment Forum, is used to finance the energy retrofits of a home, which will subsequently prevent excess energy consumption as well as greenhouse gas emissions. greenhouse. Eco-loan zero rate is one of the most advantageous renovation work loans because it is not subject to any interest, they are directly supported by the State. The amount of this renovation works loan can be up to € 30,000 and its maximum repayment term is 15 years. To benefit from this type of renovation work loan, the work must be carried out by a company with a quality sign Recognized as Environment Guarantor (RGE). The zero-rate eco-loan can be paid at one time on the basis of the detailed estimates of the planned works, or in several installments on the basis of the invoices of the works carried out, transmitted at any time before the closing date. eco-loan at zero rate.
Here are the conditions to fulfill to benefit from this type of renovation work loan:

  • You can apply for a zero rate eco-loan regardless of your resources;
  • You can benefit from a zero interest eco-loan that you own or occupy your home.
  • The dwelling must have been completed before 1 January 1990.

Attention, the same housing can not benefit from more than one eco-loan at zero rate.
For this renovation work loan to be granted, the works must concern at least 2 of the 6 actions of the following work package:

  • efficient insulation of the roof,
  • high-performance insulation of walls facing the outside,
  • efficient insulation of windows and doors to the outside,
  • installation or replacement of heating or hot water production,
  • installation of a heating system using renewable energies,
  • installation of hot water production using renewable energies.

It may also be the rehabilitation of the non-collective sanitation system by devices that consume no energy. Non-collective sanitation refers to individual domestic water treatment facilities. These devices concern dwellings that are not served by a public sewage collection network and therefore have to treat their own wastewater before discharging it into the natural environment.
Finally, this kind of renovation work loan can be granted if it is work justifying the achievement of a minimum overall energy performance of housing. This measure applies only to owners whose housing was built after 1 January 1948.
The works defined in the context of a thermal study must make it possible to lower the energy consumption of your dwelling until:

  • an energy consumption of less than 150 kWhEP / m² / year, if your home consumes, before the works, more than 180 kWhEP / m² / year
  • an energy consumption of less than 80 kWhEP / m² / year, if your home consumes, before the works, less than 180 kWhEP / m² / an.

For each type of work, there is a financing and thanks to these different loans renovation work, many owners will finally be able to choose to stay in their home rather than move. top

Cheapest loan for 60 days free loan up to 80 000 CZK

The cheapest loans are offered by online banks

The cheapest loans are offered by online banks

Borrow money cheaply from an online bank – Zaloan Bank. Choose from an offer of Micro, Plus or Credit overdrafts that will best suit your current financial needs.

Zaloan Credit – a modern loan in your direction

Zaloan Credit - a modern loan in your direction

The overdraft Zaloan Credit offers you extra comfort. A quick bank loan makes it more accessible than ever. We will transfer up to CZK 80,000 to your account in nonstop mode, immediately after loan approval.

It just depends on you when and when you repay the loan to get the cheapest. You can either settle the loan in one full amount or send minimum installments. You will also appreciate the possibility of repeated requests. You pay interest on Zaloan Credit only when you actually use your money, while keeping your account free of charge.

Learn more about the cheapest online loans

Zaloan Bank sends loans to client accounts immediately after approval in a number of countries around the world. Cheaper and more convenient loans online Zaloan has been on the financial market since 2005. During that time, the company has acquired more than 2 million satisfied clients.

Today, you can borrow from 500 to 20,000 CZK for 7 to 45 days with Zaloan Bank, with the option to double your maturity by 30 days. There are other modern financial products available and new ones are increasing.

Zaloan loans are already proven in our country

Zaloan has been on our financial market for many years (first as Zaloan Czech) and is proven to be a fully secure financial institution. This is evidenced by reviews by independent financial experts and by the experience of clients that are published on the Internet.

Of course, the cheapest loan is a free loan

Of course, the cheapest loan is a free loan

Of course, the cheapest loan is a free loan, without interest or other charges. If your account is empty and there are still many days left to pay, Zaloan’s first-rate loan is also free for you.

The bank offers new clients the opportunity to get to know its services through a free first loan. This means that you will borrow up to CZK 9,000 (up to 30 days) and return the same amount on the agreed date (for example, a loan of CZK 7,500 = return of CZK 7,500). Just keep due date – for a delay, but also a deliberate extension of the loan (up to 60 days) is already paid.

Also welcome as a short-term loan for entrepreneurs

Also welcome as a short-term loan for entrepreneurs

Also entrepreneur Petr R. of Kromeriz found that a short-term loan from Zaloan Bank is the cheapest loan for him. He appreciated him as a quick loan without collateral and guarantor, settled without administrative delays. He says : “I borrowed for the first time at Zaloan Bank, specifically CZK 5,000 to buy a new printer and supplies. Once the late payments have been credited to my account, I refunded the same amount. Everything was fast and without paperwork, which I appreciate. “

Mrs. Alena also takes advantage of the cheapest Zaloan Bank loan, which she speaks as follows: “ There is always help when I need it. They are nice and helpful. ”

Zaloan Credit: up to CZK 80,000, first for free

Zaloan Credit: up to CZK 80,000, first for free

Please note that you can have up to CZK 80,000 on your Zaloan Credit account, whether you are a private person or an entrepreneur. You get it under clear conditions and with the protection of your person by a banking institution. Unexpected spending or cash flow problems will no longer take you. You decide how much money you spend on your current loan.

Get your Zaloan Credit online from the comfort of your home or office today! For every new client, it is the cheapest loan because you can borrow up to CZK 80,000 for the first time without a fee for drawing and with interest of 0% for 30 days. It means that how much money you borrow, you return so much in 30 days – just like with the first Micro loan. For example, for a loan of CZK 16,000 you will return Zaloan Bank again for CZK 16,000 in 30 days. As of day 31, a daily interest rate of 0.2833% will begin to accrue. For this example, the interest on the loan is CZK 45.33.

Thanks to the possibility of repeated use with minimal administration, Zaloan Credit ranks among the cheapest loans and has collected thousands of reviews worldwide. This is what some Czech clients have said: “You really helped me, thanks,” wrote Mr. Jaroslav on the Zaloan.cz website in September 2018. “I am satisfied with your financial company,” said Mr. Antonin one month earlier. At the same time, Mr. Radek: “Super. I didn’t really expect such quick and easy approval. ”

There is never enough experience with online loans, so we add two more: “I’m surprised at the speed and helpfulness of the negotiations. I highly recommend Zaloan Bank, ” said Mr. René.

“In the past, loans from non-bank companies or private individuals sometimes helped us home,” Ms Marcela said. “Today we have a Zaloan Credit 50,000 CZK as a financial reserve. We’re repairing the house, and that’s still some spending. After paying out, we usually settle the debt immediately so that it does not grow. We can handle what we can at Zaloan Bank via sms. Service works nonstop here. ”

Is your age between 19 and 85 and you have no obligations to Zaloan Bank? Even a loan of up to CZK 50,000 is ready for you, with zero interest for the first time – the cheapest loan on the market.