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Are you planning to expand your business? With this fixed mortgage, you remain flexible and benefit from particularly favorable online conditions. That’s how you apply for business loans today. Create a free loan request online. The Sparkassenkreditgeschäft offers you the financial latitude to achieve your business goals.

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Find the right business loan

If you are looking for a suitable business loan, you will be confronted with a range of credit offers. Basically, it is no longer possible to get the best possible individual offer of well over 500 alone. Although there are countless loan comparisons and above all pure loan calculators on the net, many customers complain about the particularly important for corporate loans peculiarity.

Of course, not all of the more than 200 existing offers will be presented to you, but only those that best suit your financing needs. This will provide you with tailor-made financing offers in no time at all and will quickly find the most suitable business loan for you. Precisely because the needs of medium-sized companies for a suitable financing option are very different, diverse aspects are taken into account in the search for a suitable corporate loan.

The application for financing will be displayed quickly, easily and clearly and you will only be asked for a few details in the online form. In addition to the banks that provide a variety of loans for residential customers, there are also those for business customers. The so-called corporate loans, corporate loans or business loans are granted by banks to corporate clients.

Corporate loans for survival

Corporate loans for survival

For some companies and the self-employed, such corporate loans are also necessary for survival if, for example, urgent investment or out-of-pocket financing is required. A business loan, as the term implies, is used to finance expenses related to business activity. This is also a significant contrast to consumer credit granted by banks to households, which mainly co-finances consumer spending.

An essential feature of corporate loans is that the capital can be used for example for new investments in goods or office equipment, working capital purchases and purchases of goods. Therefore, corporate loans are vital to some companies and the self-employed, otherwise, there will be no urgent business maintenance costs.

At the present time, the Bank offers various types of corporate loans that are geared to both the objectives and plans of the clients and the purpose of the financing. At the beginning of self-employment or self-employment, there is often a current account loan, ie a granted overdraft on the business. In addition to the traditional installment loans, which can also be used as corporate loans, credit institutions also provide special corporate loans, such as: If you are self-employed or entrepreneurial and need a corporate loan, you will begin You will soon be confronted with a multitude of offers.

Business loans are usually granted by most banks, but of course you, as a loan seeker, must first be able to submit some documents and meet the requirements of the lender. Prerequisite for the granting of a corporate loan is, in addition to the fundamental requirement that you as a borrower are mature and / or have a right to represent the company, above all a sufficient creditworthiness.

An operating loan is only granted on the condition that the lender can properly value the documents and achieve a good overall result.

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Borrowing money is slightly more expensive and competition continues to fall

 

Again, two lenders raise interest rates. This makes borrowing money more expensive and the competition continues to fall. Bad news for the consumer.

Borrowing money has become more expensive

Borrowing money has become more expensive

In July, two lenders again raised their interest rates. Good Finance, borrowing money has become more expensive this month. For Good Finance it is the second time this year that the rates are going up.

This means that the trend break that we noted earlier is continuing. For a long time, the trend for borrowing rates was falling. Since this year, interest rates for consumer loans have risen again.

 

Competition between lenders continues to decline

Competition between lenders continues to decline

These interest rate increases not only make borrowing money more expensive, competition between lenders is also declining.

  • For the personal loan, the difference between numbers 1 and 2 has risen to 0.4%. With this popular form of borrowing, ‘interest-frontrunner’ FREO has little to fear from the Good Finance contender.
  • With a revolving credit of € 10,000, Good Finance must now also tolerate FREO above itself. The lender is still in the lead with a revolving credit of € 25,000.

Tip: if you are not yet taking advantage of the low interest rate with his or her current loan (s), you can transfer it.

Striking interest rate development when borrowing money

Striking interest rate development when borrowing money

It is striking that borrowing money becomes more expensive. The European Central Bank has announced new measures to make borrowing cheaper. Banks can get cheap money to borrow. This should boost spending (and therefore the economy) in the Eurozone.

With mortgages, we see that the interest rate follows the policy of the ECB. The mortgage interest is low and continues to fall. The competition between banks has also intensified this month.

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Christmas Loan

Who wouldn’t know? Before Christmas, there is simply no money, which has long been a disaster for many families. For what to buy gifts now, especially if you have a branch relative? There is no other solution than a Christmas loan .

And do not worry, it is not disadvantageous, quite the contrary. The repayment schedule is nothing that you cannot move. Postponing the due date is now quite a common thing, so if you do not have a big paycheck in January, you will have it in February, nothing will surely happen.

 

Happy Christmas holidays not only for children

Happy Christmas holidays not only for children

When you say a Christmas loan , many will surely get their hair up in horror on their heads. But this is not necessary at all! Just think well in advance and know how you will repay, then everything is in perfect order and nothing can be reproached, at least formally.

This solution is suitable even if it is already on the 20th of December, you are still waiting for a payout, the bonuses will not be this year and you would like to buy something nice to your loved ones. Just for how nice they were to you all year long.

You can rest assured that the non-banking solution is fast and at the latest on December 21st, three days before Christmas Eve, you can go to the store and simply buy the desired thing. Nothing complicated, is it?

What do you need for this loan? It basically depends on how much you want to borrow. If it will be a classic micro-credit, ie a matter of up to five thousand crowns inclusive, count among others on the following.

  • Identity card, respectively. his number. Unfortunately, without it, you really do not move, it is necessary to identify the applicant.
  • Permanent residence in the Czech Republic, at least a mobile phone with the Internet, a bank account in your name (not the spouse you have the right to dispose of, this is not enough).
  • Think carefully about everything. Choose the ideal provider, the one you have information about and who offers a profitable loan. And then – just a few mouse clicks and you’re done!

 

Try Goodhand, for example

christmas loan

Don’t be afraid to bet for sure! Goodhand stands for professionalism , speed and totally transparent action. Just a Christmas loan as it should be! A Czech company that has a tradition and a great financial background. Possibility of the first free loan for new clients, which is a sin not to use.

Responsible lending of money, fast payout to the account (often literally in minutes), but also helpful approach to the client. Individuals are envisaged, everyone will want to solve their loan for anything a little differently, but Goodhand is well prepared for that. Without paperwork and filling in endless forms!

This is commonplace today, for who would like to bother with the long writing of papers on a stone branch?

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How Does Savehigh Finance Select its Investment Funds?

Almost thirty thousand . That is the huge number of investment funds that exist, European Fund and Asset Management Association estimates. Savehigh Finance offers a few hundred of them in total and must therefore make a rigorous selection from the range.

Before we explain how their selection procedure works, first something else: what characteristics do you need to be able to participate in the team? Hill Coens does not have to think long about it. “You have to have a critical eye,” he says. “You cannot focus on results from the past, but also constantly wonder how such a fund achieved its results. Did that happen consistently or was it a lucky shot? And what the fund will do in the future, that is of course the key question. In short: you must have both an open mind and an eye for details. ”

 

From five thousand to ten

From five thousand to ten

The Investment Team screens a total of around 5,000 funds from a dozen fund houses, including Daisy Loan, Jones Financing, Sampacredit, and Jojo Contemplacion. “For each sub-asset class, for example European stocks, US stocks, government bonds, corporate bonds, etc., a number of funds will be selected according to a strict process. An initial analysis results in a selection of around 300 funds that we propose to our customers. To make it even easier for our customers to choose, based on those 300 funds, we draw up a list of around 60 funds that we consider to be the most promising, according to our criteria, ”explains Hill Coens. We call this selection the ‘ Premium Funds Selection ‘. Out of the sixty funds that make up the Premium Funds Selection, there are ten that we label as a top pick, our ten favorites . ”

To get there, each fund must go through a selection process that consists of three parts. “The first part is a round of questions with four questions. The first is: has the fund existed for at least three years ? We do not include younger funds because there are too few results available to assess the manager. The second question is: does the fund have at least 100 million euros in its portfolio?

Funds with low assets under management cannot possibly have the same large management teams as the larger funds. Moreover, too small funds are often canceled quickly. In addition, we also look at the rating of the fund by Redstar Finance , which consists of 1 to 5 stars. Does the fund have a rating of at least three stars?

Then we can possibly include it. These stars refer to a comparison of the performance of funds from the same category, so that a fair comparison is possible. And, last but not least, that rating cannot be “negative” , that is a certain quality rating from Redstar Finance. “

 

The second round

investment

Funds that survive this round await a second screening per subclass . Hill Coens: “This is also a purely quantitative round, in which we only look at hard facts. A consistent yield . If there are two funds with a 20% return each over five years, we would rather have a fund that performed consistently each year rather than a fund that performed exceptionally well in one year but struggled in the other four years. We also investigate how well the fund performs relative to a risk-free investment , typically in US government paper. We also measure how well the fund outperformed an index such as the Eurostoxx 50 for European equity funds. ”

Another criterion in this section is how the fund performed in very bad periods . Hill Coens: “For us, that says a lot about how the risk is managed . After all, investors appear to be particularly sensitive to price falls, much more than price rises. A fall in prices entails a much greater negative sentiment than the positive segment in the event of price rises. In the long term, such a thing is also important because in times of recovery, the fund has to make a smaller catch up to make up for its loss. For example, after a loss of -30%, the fund will only make up for its loss after an increase of 43%. If the manager could limit the loss to -15%, a resumption of 18% is sufficient.

 

Excessive cost percentages penalize the performance of the funds

Excessive cost percentages penalize the performance of the funds

All figures in this second round are automatically calculated using a computer algorithm developed by the Savehigh Finance team itself. There is hardly any manual work involved. The final result is a long list of funds that have each received a certain score out of five.

Qualitative screening

save money

“We then get a certain ranking from the computer per subclass, but that does not mean that we will then blindly offer the top 5,” says Hill Coens. “After that, it is time for the third and final selection: a qualitative screening. That is purely teamwork. For example, we look at which funds are complementary in an investment proposal. If the first three have a virtually identical investment strategy, it makes no sense to offer all three because they will each evolve in the same way, both positive and negative.

We naturally also want funds that are qualitative and future- oriented. For example, a fund may have an investment strategy that did not benefit from the past phase of the economic cycle. However, this cycle is constantly changing, so that the strategy could yield results in another phase. We must take this into account in advance. We also ensure that we put continuity in our selection. It is not the intention to change to change. ”

Nevertheless, there are a maximum of ten funds every quarter that have to make way from the selection of Savehigh Finance for better alternatives, says Hill Coens. “Usually there are two or three. A strategy where the potential is limited, a fund manager who leaves, an investment policy that changes dramatically, … those are typical reasons for us to say goodbye to a fund, for example. But we do not make unnecessary changes. It also happens that the selection remains unchanged. ”

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SMS Loan for Entrepreneurs – Business Loan

Freelancing or even developing your own business is a big challenge. You can better plan your own time, work in a field that interests and enjoys and follow your own rules. Mushrooms. Most of the time you live in stress, constantly reorganize work on orders, make phone calls, and paper.

Loan for Entrepreneurs

Loan for Entrepreneurs

Even in the evening, you are engaged in managing the purchase of materials, paying employees, the cost of renting space, you must constantly deal with fuel and vehicle maintenance, including taxes, social and health. You fulfill the agreed orders to 150%, you spend time, effort and also an initial investment in materials and helpers. When you hand over the complaints, you have to defend your work and in the worst case, you are still waiting and reminding the payment.

While you are waiting for work to be paid, no one will give you extra space. This may be unfair, but late payments are currently faced by every industry. Unfortunately. If you do not reserve enough reserve or your sudden breakdown complicates your normal expenses, you are in a very unpleasant situation. Without a broken car, you will not reach customers, you will not make a job without material, and you will not get anywhere with limited phone services. Late payments often increase disproportionate penalties or fines and you get into a vicious circle.

Do not despair and take a breath. SMS loan for entrepreneurs is designed just for similar moments. It will help you bridge the point of time, repay the necessary debts and bounce off the bottom. In addition, you do not need to look for a suit and humbly ask the bank. Fill in the application online, fast approval and the instant transfer will take you from the deadlock – quickly and efficiently.

Internet, mobile, and account are enoughbusiness loan

Simple and understandable conditions are fixed and predetermined. The interactive tool on our website gives you a perfect overview. Variable you can change the amount of the required amount, you will immediately see the amount of the end payments and their term. Without expert phrases, unintelligible forms, and unpleasant personal actions, you will find out exactly – how much, how much and when.

The application procedure itself is no less easy. Fill out the form in comfort, feel free from the couch in the living room. You provide common contact information. A confirmation SMS only authorizes the process. The automated approval system eliminates the risks and confirms the loan approval in a matter of minutes. Money transfer is instantaneous if you have an account with regular large banks – you can still have your money on the same day.

Mortal system

business loan

SMS Quick Loan for Entrepreneurs respects the problems that entrepreneurs and entrepreneurs face daily. You will temporarily bridge the unpleasant situation with a loan. However, if you suddenly get in the way of other unexpected expenses, complications with further deferral of payments – communicate with us! Definitely, do not take another loan to redeem the loan with us! Get out of the vicious circle. We will help you anyway and offer a postponement delay or a new payment schedule. We will not threaten lawyers or executors, it is a waste of time for us as well. It is in the mutual interest to settle the commitments in a timely manner without delaying dragging and mailing.

The opposite is a change for the better. Use reasonably received payments and pay back a quick loan sooner. We will not penalize you, require you to complete and approve your application. You can view the status of the amount of the commitment and the amount paid at any time on our website in the private client section. Settle your obligations early and get rid of the extra burden.

High interest ??

High interest

But yes, non-bank loans are associated with higher interest rates, but they are also unnecessarily shrouded in scarecrows. We will not send bailiffs to you, we will not blacken your name, nor will we skin yourselves. We lend you several thousand for a very short time. Take a calculator to hand – high interest will instantly turn into a charge of hundreds of crowns. By acting quickly, we can save you more trouble, help you resolve important commitments right away. At the bank, you would have to go through a complicated procedure, justify the purpose of the loan, show income and even ask someone to act as guarantor. In addition, interest and fees will not be avoided at your home bank. In addition, we will save you time and get rid of unnecessary administrative tasks.

Borrow with caution

Borrowing money to pay off serious debts – buying the necessary material, settling payouts, renting, services, it’s all right. The car failure you need daily must also be addressed as a priority. Significant opportunity and purchase of equipment as well. It is certainly not a disgrace to you that you cannot immediately use the funds that are blocked by your clients’ late payments. You do not have to inform your surroundings in detail about your financial situation; it is always better to keep your face neutral and to act credibly. SMS quick loan for entrepreneurs is completely discreet. We do not compare entrusted data, report to catalogs or bother you with other services. We take our relationship as a one-off business. We will lend you the given conditions, you will pay us the interest amount.

Nevertheless, we always consider it important to direct our clients to reasonable consideration. Don’t borrow money carelessly. Always consider all your options and your real repayment ability. A loan for holiday or luxury gifts is not an optimal option.

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How do I transfer money from my credit card to my account?

There are many types of credit card: it can be used in a stone’s foot as well as an online store and can have all sorts of benefits such as purchase and product security and travel insurance. However, many do not always know that it is also possible to transfer money to their own account using a credit card.

Transferring money from your credit card to your account is easy, but not too often, since transferring money from your credit card to your account often costs extra in addition to the credit costs of your credit card. In this article, we’ll give you a step-by-step guide on how to transfer money from your credit card to your account and expose the costs of such a wire transfer.

Most all credit cards allow you to transfer money to your account, so if you already have money in your account, you can check out our selection of credit cards in Finland:

Instructions for transferring money from your credit card to your account

Instructions for transferring money from your credit card to your account

For many people, the easiest way to transfer money from your credit card to your account is through the online bank of a traditional bank or through the card service of a financial company. In practice, it usually takes a few clicks and money is credited to your account as soon as possible. If your credit card and current account are in the same bank, the money will usually be transferred immediately. In the case of a transfer between different financial institutions or banks, it may take up to a couple of banking days.

How do I transfer money from my credit card to my bank account?

  1. Login to your credit card online service
  2. Select the Cards section
  3. There is usually an option in the menu that refers to transferring money to an account such as “payments” or “credit card transfer”.
  4. Select amount to transfer and approve transfer

* This is a general guide. Every online banking and service is different. For the best instructions, contact your credit card provider.

Cost of money transfer

Cost of money transfer

However, transferring money from your credit card to your account is not free. In addition to the credit card rate, there is a separate charge for each transfer. Usually it is a fixed fee (eg € 10), a percentage of the amount to be withdrawn (eg 2-3%) or both (eg € 2 + 2% of the amount to be withdrawn).

However, in most cases, the credit card interest rate will not run until after the first bill. That is, if the credit on the card is repaid in full on the next invoice, there is no need to pay interest on the amount of money transferred. However, don’t forget the basic credit card policy: If you already have credit on your card that was not paid on your previous credit card bill, your new credit will immediately start accruing interest.

Transferring money from a credit card is a convenient

Transferring money from a credit card is a convenient

Transferring money from a credit card is a convenient way to manage expenses that can’t be paid directly with a credit card. If you often have to transfer money from your credit card to your account to cover your daily expenses or bills, you know that your own finances are not on a sustainable footing and you need to make changes to your money behavior. Budgeting is an easy way to figure out your own cash flow and spending.

When used responsibly, a credit card can offer its owner financial flexibility, savings and benefits not available elsewhere. Own bank credit card is not always the best, so check out the full range of credit cards in Finland and find the one that suits you best:

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Partner Loan

Today you do not have to borrow yourself, because there is a possibility that will involve both partners – in the end, in a marital relationship everything should be done so-called half.

A partner loan is clear proof of this. In addition, when you apply for a loan for two, you will get more favorable terms and you may be awarded a higher amount than that intended for individuals. And it pays for itself, isn’t it? That’s why it is a really popular product on the domestic market.

 

In short, it is better in two

partner loan

Partners can take advantage of not only the best interest rate, which is a better solution for the family cash than if only one of them asks. The application is completely free of charge and will be handled virtually immediately.

Do not worry because there might be more paperwork. This loan , however, does not foresee anything at all, on the contrary, it will be settled at virtually the same speed as if only one person applies for a loan.

 

And what are the other benefits?

debt credit

  • A partner loan can be short or long term. So you can at home figuratively – fold – on a new refrigerator, but also be a reconstruction of the bathroom or living room. The loan is usually without purpose.
  • No upfront fees, no data search in debtors’ registers, no unnecessary delays and waiting. In addition, you can pre-set how much you would like to repay – and change the monthly payment later in the event of difficulties.
  • You don’t have to be married. While the newlywed loan, which our parents might have used, was subject to an official bond, this is not the case here. No name change, it is a brand new and flexible product on the Czech market!

In addition, it is clear that with two incomes the loan will be better repaid – one can draw the household, the other can pay the repayment schedule of the previously agreed loan.

On average, non-banking companies can provide up to twenty percent more money to both partners than if only one had applied for a loan. And for larger loans, it is very important, because the reconstruction of the housing core will require more money, consolidation of earlier loans as well – and we could devote enough examples to the examples.

Don’t be afraid to act; There are many opportunities around partner loans in recent months and years, and this product has become extremely popular due to its maximum flexibility. In other words, everything can be agreed upon, why then do some wrinkles? There is no need for them at this point, as a partner loan is a completely transparent product.

 

What about Bella Quest ?

debt loan

Advantageous loans are also offered by Bella Quest. Up to seven thousand for new clients, plus the possibility of a first free loan. Transparent negotiations from the first contact, individual approach for each applicant, the possibility to obtain up to fifteen thousand in a repeated application. A loan for anything that is not just a payday!

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Get your own business with Benty Loan | Business Loans

Have you noticed that there are some businesses that permanently have a line of customers, while in others, not one person stops all day?

Although quality and service have a lot to do, sometimes there are other factors that make one sell more than another. With these tricks you can sell more so that your business grows immediately.

Although quality and service have a lot to do, sometimes there are other factors that make one sell more than another. With these tricks you can sell more so that your business grows immediately.

1. Offers complementary products or services.

A very effective marketing technique to increase sales is to sell complementary products. For example, if you have a copy and print business, your customers will most likely need stationery. Gradually introduce new products and see what sells best.

2. Sell packages.

It is much easier for a customer to buy a package that includes a cake, candles and disposables than to buy everything separately. Similarly, it is more attractive to buy three sodas for $ 27 than one for $ 10. Even if your profit is lower, your income will be higher.

3. Provide discounts to frequent customers.

3. Provide discounts to frequent customers.

It is much easier (and cheaper) to have a customer buy again than a new one. So motivate your customers to return to your business by offering discounts. Something as simple as offering them a free coffee when buying three chubby can make your customers come back more often.

4. Create promotions for a limited time.

1. Offers complementary products or services.

People feel the urge to buy something when they know there is a limited time discount. Let your customers know that you will have a special promotion for a week. This will pressure them to buy your product or service as soon as possible.

5. Expand your presence.

5. Expand your presence.

Sometimes sales do not take off because of a location issue. Maybe your place is very hidden or is not accessible to your customers. In that case it is best that you approach them to facilitate the purchase. Participate in itinerant markets, put a position near where your potential customers live or offer home delivery. All this helps increase sales.

6. Give better prices to recommended customers.

money cash

Make your own customers bring new customers.

For example, in aesthetics they usually offer 2 x 1 discounts when a client invites a friend to cut her hair with her.

7. Adapt your offer to the season.

7. Adapt your offer to the season.

If you sell ice cream, don’t be surprised that in December sales go down. Learn to diversify your offer according to the time of year. When you manage to anticipate the needs of your customers, it is easier for your business to succeed.

Apply these tips today and see how your sales increase immediately. Don’t let anything ruin your plans. If an emergency arises, urgent online loans can help you. With us you can get an immediate loan, even if you have no guarantee. You just have to fill out a form with your personal data. Click here to know step by step how to receive a loan online with Benty Loans.

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Save More Money in Everyday Life

Maybe you’re at SU, maybe you’re a family of five, no matter what most people want to save more money in everyday life. It can actually be done relatively easily. The main reason people spend more money than they need is often due to laziness. Because often the fast solutions are the easiest, especially food and TV. Here you have the opportunity to get tips and tricks to save money in your daily life.

Set a budget

Set a budget

First of all, setting a private budget is a really good idea. By creating a budget for your personal finances, you create an overview that aims to show how much money is coming into the account and how many are spending.
This allows you to quickly see which items are most important in your budget and where you can cut back.

For many people, a budget is an eye opener, as not everyone is really aware of where all their money has gone, at the end of the month. By maintaining a monthly budget, you have no doubt what the money is going to.

Creating a budget does not have to be a complicated process. You can quickly create an Excel document with the monthly records. Alternatively, a lot of apps are offered for your smartphone which makes it easy for you to keep track of the fact, as these apps are extremely user friendly and you always have your budget at your fingertips.

Shop once a week

Shop once a week

Some may think that shopping once a week is problematic, but it can actually be done. Of course, this requires good planning, as you have to be in control of the menu for a whole week at a time, and you have to estimate how much toilet paper to use.

To make weekly shopping work, it is ideal to make a meal plan. Then you have no doubt what needs to be created in the kitchen from day to day and thus you can buy all the ingredients needed at once.

Impulse purchases may well fill more than is good in the budget. That’s why it’s important to keep this in mind when shopping – maybe I can do without the Snickers . Reducing the purchase rate to once a week also minimizes the risk of impulse purchases as you are not tempted as often.

Drop the 100 TV channels

Drop the 100 TV channels

Few people use just half of their TV channels. Despite that, many of us choose to purchase the largest TV package. Many TV providers today offer solutions where you specifically choose which channels you want. This avoids paying for all the channels that you do not use.

There will certainly also be the proportion that do not need TV channels at all, here may be a good alternative to the many streaming services available online. For example, if you choose to create both a Netflix account and a Viaplay account, you end up giving about a third of the amount that the largest TV package typically costs.

Another alternative is to start using the public libraries. Here you can borrow a wide selection of films and of course books – it is quite free.

Use these tips in your daily life and you will achieve noticeable savings within a few months