kukurukurecordings.com http://www.kukurukurecordings.com My WordPress Blog Thu, 20 Jun 2019 16:45:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 What Is The Best Personal Financing? http://www.kukurukurecordings.com/what-is-the-best-personal-financing/ http://www.kukurukurecordings.com/what-is-the-best-personal-financing/#respond Thu, 20 Jun 2019 16:45:02 +0000 http://www.kukurukurecordings.com/what-is-the-best-personal-financing/

 

What is the best type of personal financing in the market? If you ask yourself this question, in order to have the right answer you have to make another easy answer: Why am I going to make this a financing or take interest money? The request for financial resources must be acquired with responsibility and calculation of their benefit and need. For example, a personal loan at the bank to fund a tourism trip, is it not better to talk to your manager and see what investments your bank offers for your income range so that in a given time you have the cash in sight?

But the actions work something like this: I got tired of this car, will I change it and if I make a personal financing or loan at the bank to buy a new one? You should analyze in the case of this example if the car no longer meets your needs, if the model does not offer minimal safety items for the present, it is devaluing very fast and things like that.

I tired of this refrigerator, but this is not what should be taken into account, it should be taken into account relevant information as it is outdated and so it consumes a lot of energy, breaks a lot, has expensive maintenance or has become small in the space for my needs , for example in the case of one more member in the family.

When choosing the best financing, one must pay attention to the interest rate of the installments and what the end will be given to the money, since most banks have own lines for each destination, either to buy a house of their own, to buy an appliance , a computer or a car, has one type for each of those choices.
For each type of personal financing there will be variation in interest rates from one bank to another and often significantly, but it is always interesting to negotiate with your bank manager. For the most common cases of need of money to greet card debt or overdraft, the best financing is payroll deductible credit, for sure your bank has that modality, the problem is that it does not suit any applicant, rates interest rates are very low.

For the purchase of a car, some automakers have their own financing banks just for that, and are the best rates on the market? It depends!

If you are a businessman, be it micro, small, medium or large and you need borrowed money to grow your company business, buy machinery or hire qualified personnel, what is the best financing ? There are lines of credit from the BNDES (National Bank for Economic and Social Development) that are granted either for private growth or when resources are used in collaboration of the development of projects that contribute to technology, social or cultural project, etc. See also how to obtain credit from BNDES and Microcredit?, Loan for companies in banks, 3 FINEP credit programs for companies, How to obtain credit from PROGER to company.

If the contractor is from the farm, the BNDES also has financing for family farming and basic sanitation.

 

If the contractor is from the farm, the BNDES also has financing for family farming and basic sanitation.

 

On the website of the Central Bank (BC) you can see a detailed list of the comparisons between interest rates of the different credit lines of all Brazilian banks, this list accompanied by a good conversation with your manager may be the solution for you to choose your best financing .

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Personal Loans 2019: Opinions and Estimate of Personal Online Loan and Financing http://www.kukurukurecordings.com/personal-loans-2019-opinions-and-estimate-of-personal-online-loan-and-financing/ http://www.kukurukurecordings.com/personal-loans-2019-opinions-and-estimate-of-personal-online-loan-and-financing/#respond Mon, 17 Jun 2019 07:45:08 +0000 http://www.kukurukurecordings.com/personal-loans-2019-opinions-and-estimate-of-personal-online-loan-and-financing/

 

All useful information about Carige Banca personal loans , with the economic conditions updated to 2019. We will also see what opinions are published online by customers who have received these loans, to find out whether they advise them or not. Finally, how to request a Carige Banca online personal loan quote.

 

Personal Loans: characteristics, amount and duration

 

Personal Loans: characteristics, amount and duration

 

If you are looking for personal loans , Carige Banca is one of the companies you could turn to. On this page we will present the main features of this product to see if it is actually a form of financing to be taken into consideration. There are two forms of financing offered by the company: the Mysura loans and the Cession of the Fifth . In both cases these are unfinished loans, which may therefore be required to meet any type of expense. Let’s see what are the specific characteristics of both products.

From the conditions of the Mysura personal loan presented to us on the Banca Carige website, we can say that the product is actually very interesting. Among the aspects that stand out the most is undoubtedly the amount that can be requested . Although it is a simple personal loan, the amount of money we can access is up to 75,000 euros . Furthermore, the beneficiary of the Carige Banca personal loan will have the possibility to defer the repayment up to a maximum of 10 years , so you will have full freedom in this regard. Among the advantages of the personal loans offered by Banca Carige there is also the service that allows us to skip the installment . This service is completely free and can be used twice during the repayment: in this way we can postpone the payment of the installment at the end of our repayment plan.

The second type of personal loan offered by Carige Banca as we have said is the Cessione del Quinto . This solution, as always, is intended exclusively for employees with permanent contracts and retirees. There are several advantages of this product , which provides a fixed monthly repayment installment and a maximum of one fifth of the salary or net pension received. There is no maximum amount set in this case, as this will depend on our monthly income . The maximum duration also in this case will be 120 months, which means that to know the amount that we can request (gross of interest) we will just have to divide our salary or our net pension by 5, and multiply the result precisely for 120. Carige Banca personal loans are very fast loans , as the disbursement is practically immediate, and the only guarantee required is represented by our income document.

How to request a  personal loan quote online or in a branch

How to request a  personal loan quote online or in a branch

 

As always, the best thing to do if you are interested in any kind of financing is to request a free quote . Many credit institutions offer their clients the possibility of calculating the installment and interest rates applied directly online, via the simulator. In the case of Carige Banca personal loans, unfortunately it is not possible to calculate the online quote . Both for Mysura Loans and for Cession of the Fifth we do not have an online simulation tool available, but this does not mean that it is not possible to request a quote for the loans offered by the bank. So let’s see how to proceed to know all the economic conditions of the best offer based on our needs .

 

The alternative to calculating the online quote is obviously to go to one of the branches of Carige Banca . These are found throughout Italy, and on the company’s website we have a useful search tool for the branch closest to our house . To find the office that is most convenient for us, simply enter our home address in the space provided and click on “Search”. In this way we will be presented with the map with the branches where we can make an appointment. For each branch, in addition to the address, there is the telephone number useful for requesting information, while if we want to book an appointment online we can do so by filling in the relevant form with our personal data and specifying the date and time we prefer.

Once an appointment has been made it will be enough for us to present ourselves at the scheduled time and without queuing we will have a meeting with a qualified consultant . To receive a detailed estimate of the best Carige Banca personal loan designed specifically for us, we will have to present to our dedicated consultant our economic situation and the main features we want for the financing we are looking for. Based on the latest offers available, the bank’s expert will present us with the monthly payment that best meets our needs and the interest rates applied . Obviously once the budget has been analyzed we can decide to think about it a few days or request some changes, and only when we are convinced of the offer proceed with the actual request for financing.

Customer opinions loans: are they convenient?

Customer opinions loans: are they convenient?

 

To evaluate any type of financing it is always good to read the opinions published online by customers who have chosen this product before us. On the main sector forums there are numerous reviews regarding Carige Banca personal loans. Most customers are fully satisfied with the service received by this company. Among the most appreciated aspects there is first of all the transparency of the bank, which also derives from the many years of experience in the financing sector. Right from the start the conditions of the personal loan that will be offered to us are clear and there are no unexpected or “hidden” expenses as unfortunately happens with other less reliable companies.

Another aspect always very appreciated by customers is the speed of delivery . In the case of Carige Banca personal loans, almost all users emphasize this aspect, stating that it takes just a few hours to receive a response and, if the request is accepted, the payment of the desired amount is practically immediate. As for the economic conditions of the personal loans offered by Banca Carige, in the positive opinions published online it is underlined the fact that the amount that can be requested is much higher than the other companies , which usually do not offer financing above 30000 euros. Furthermore, the possibility of deferring the repayment in as many as 120 installments makes it possible to set a low spending, even rather low, considering the amount we are requesting. So with regards to the amount that can be requested and the duration, practically all forum users agree on positively evaluating these personal loans .

Among the features that are highlighted in the reviews there is also the possibility to skip the installment twice during the duration of the loan. This is a very useful service in the case in which, for example, in a certain month we have to face an unexpected expense due to which it would be problematic to also face the repayment installment. As with all loans, the aspect on which there are different opinions among users is the convenience of the product. This is because the interest rates are not the same for everyone but vary mainly based on the economic guarantees that we are able to provide to the company. Consequently, there are negative opinions in which interest rates are considered too high, alongside positive opinions that instead claim that Carige Banca personal loans are really cheap. In general we can say that the majority of customers recommend this funding , however if you want to evaluate the actual convenience you just need to request a completely free quote to get an idea and choose whether or not to proceed with the personal loan application.

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What is the Credit Circle? | Entrepreneur Finances http://www.kukurukurecordings.com/what-is-the-credit-circle-entrepreneur-finances/ http://www.kukurukurecordings.com/what-is-the-credit-circle-entrepreneur-finances/#respond Wed, 08 May 2019 16:56:37 +0000 http://www.kukurukurecordings.com/what-is-the-credit-circle-entrepreneur-finances/

 

Is the bureau the same as the credit circle?

 

Legally known as Credit Information Societies (SIC), the Credit Bureau and the Credit Circle are entities that concentrate financial information on almost 27 million individuals and 48 million loans in Mexico. Although their names are similar, these two institutions are different. Both are a mandatory reference for banks when they must grant a loan.

This is the Credit Bureau

 This is the Credit Bureau

It is a company that collects information from anyone who has requested a loan at least once in their life.

The Credit Bureau receives information from financial companies, banks or other companies that provide reports on the payment behavior of their customers, this serves the companies that grant financing to assess the performance of payments and rectify whether the client is a candidate or not. a future loan.

The Credit Bureau is regulated by the Law to Regulate Credit Information Companies, the National Banking and Securities Commission, Banco de México, the Ministry of Finance and Public Credit and the National Commission for the Protection and Defense of Users of Financial Services (Condusef).

Remember that not only the defaulters appear in the Credit Bureau, as anyone who purchases a credit card or a SME Credit, even being punctual in their payments, will appear in this register. The credit bureau report is updated month by month so, if there is a slight delay in payments, it will be shown in the history.

What is the Credit Circle?

What is the Credit Circle?

The Círculo de Crédito is also a company that collects and safeguards the information of the loans and payment behavior to banks or financial institutions with which one is requested.

The Credit Circle shows general data, credit history, payment behavior in previous credits and the risk that other grantors have assigned. This information is shown through a report, to which one has the right to request one credit per year.

What is the difference between the Bureau and the Credit Circle?

 What is the difference between the Bureau and the Credit Circle?

The data presented by both institutions are the same, only changes how the information is presented. Previously, the Credit Bureau and Círculo de Crédito backed information from different institutions, so if a loan was processed with Financiera A and it only had an agreement with the Credit Bureau, the information reflected only the payment behavior with the financial institution. A, and not other financial companies that were in the Círculo de Crédito. Currently, this is not the case, since the loans that are requested from credit entities appear in the same Special Credit Report and in any Credit Information Society (SIC).

Here the main differences between both companies:

 

 

We recommend that you check the credit history every 6 months to verify that the loan or credit payments are presented correctly and if this is not the case, you can make the pertinent clarification.

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What is Financial Freedom? | Entrepreneur Finances http://www.kukurukurecordings.com/what-is-financial-freedom-entrepreneur-finances/ http://www.kukurukurecordings.com/what-is-financial-freedom-entrepreneur-finances/#respond Tue, 16 Apr 2019 16:35:46 +0000 http://www.kukurukurecordings.com/what-is-financial-freedom-entrepreneur-finances/

 

What is financial freedom?

 

What is financial freedom?

 

Financial freedom is defined as the act of generating money without taking time or effort to achieve it. It is a heritage that we manage to create and that by itself generates income, whether fixed or multiplying.

But to get to the previous point, there is a whole path of efforts and achievements that you must acquire.
Below we will mention some issues that you must evaluate in order to achieve financial freedom.

 

Income

 

Income

 

We will divide the income into liabilities and assets. The liabilities are those that will provide your financial freedom while the assets generate them day by day with your work force. Effort and knowledge are the main characteristics that distinguish them.

 

Assets

 

Assets

 

First list all the active income you have. In which in addition to effort and knowledge invest time: salary and wages or fees, that is, your job as such or a business you have.

If you have a business or SME, you may require your time at the beginning. But in the long run as it grows and you get more collaborators can become a passive income.
Self-employment can be an option to achieve it. Being an entrepreneur allows you to open a gigantic step for your financial freedom.

Liabilities

 

Second, identify what income you get without using your time or a greater effort, such as leasing. Having a property requires previous work, but at one point it becomes an extra income that is generated by itself.
Investments also count as liabilities and are the best option. Many people are afraid to invest but in the long run the benefits they provide are good, the goal is for this income to grow in value and eventually multiply.

Expenses

Expenses

In addition to your income, expenses are important, not to achieve more income means that your expenses are more or greater. We can divide them into 3 categories, but in addition to them there are expenses that we acquire, such as credits or financing for a car, home or business, which are temporary.

Necessary

Necessary

They are those like basic services, water, electricity, gas, etc. You can save on these and it will not affect your daily life, on the contrary, your income yields more. We can say that they are all those services and products that we occupy to cover the basic needs of a human being.

 

Extraordinary

 

Extraordinary

 

Those emergencies that you could have, it is good to have a saving and go thinking that these situations can happen. Some examples can be diseases, natural disasters or unforeseen situations. Not because they have a lesser chance of happening, you have to let them go unnoticed. Allocate part of your income to this type of events.

Unnecessary

 

They are all those that satisfy your ego or you may not be aware of the purchase. It is very important to evaluate this point because if you fall into the trap your income, both active and passive, may fall. Become more conscious when acquiring something, ask yourself questions like: will it really benefit me? Can I occupy it more than once? Evaluates the purchase before doing it.

A feeling that you can experience by having financial freedom will be the tranquility and security to enjoy your life. And you can achieve it once your efforts have been the correct ones so that you can generate an income that no longer requires them.

Your knowledge in finance should be adequate to achieve control over what you spend, invest and earn. Today there are some tools that allow you to capture information about your personal finances or for your SME or business.

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Compass Minicredit 2019: Opinions, Quote And Requirements For Small Personal Loans http://www.kukurukurecordings.com/compass-minicredit-2019-opinions-quote-and-requirements-for-small-personal-loans/ http://www.kukurukurecordings.com/compass-minicredit-2019-opinions-quote-and-requirements-for-small-personal-loans/#respond Thu, 04 Apr 2019 08:21:17 +0000 http://www.kukurukurecordings.com/compass-minicredit-2019-opinions-quote-and-requirements-for-small-personal-loans/

 

 

Let’s find out how the Compass MiniCredit 2019 works , with all the details of the loan offer useful for all those looking for small personal loans up to 1500 euros. Let’s see how to receive a free quote and what the requirements are for accessing the desired amount, in addition to customer opinions.

Compass MiniCredit 2019: amount may be requested, repayment installments and rates

Compass MiniCredit 2019: amount may be requested, repayment installments and rates

 

On this page we will deal with the MiniCredito Compass , which is the product aimed at all those who are looking for a not particularly high amount of money. This is a very common situation, as it can always be convenient to face an expense using the payment in installments. Also among the advantages of the small Compass loan is that of being particularly fast, indeed even immediate given that we will be able to use the financing money at any time we need it. The amount that can be requested through the MiniCredito Compass reaches a maximum of 1500 euros , which we can use to cover any type of expense, without having to justify it when requesting our financing. As for the monthly repayment installments and the interest rates applied, these will depend in particular on the amount we will request and the repayment plan we will choose.

The MiniCredito Compass represents a particular type of financing, so it is good to analyze its features in detail. It is in fact a personal loan in all respects, but that is not required as the classic loans of this type. In particular we can say that the small loan offered by Compass for this 2019 is a credit line . What does it mean? This is a reserve of money that the bank can make available to its client. So with Compass we have the possibility to activate this money reserve of 1500 euros , which will be available to us once activated. It is worth noting, however, that, unlike what happens with classic personal loans and similar products, in this case, at the time of accepting our request, we do not pay € 1500 to our current account.

To have the money we need available, we will simply have to pay off the amount we need in our current account . This amount may be equal to 1500 euros but also below this threshold, and the extremely positive aspect is that this accreditation will be immediate and available as soon as we need it . Only at this time will the repayment plan be defined with rather light installments and fixed interest rates Tan and Taeg . Once the desired amount of money has been paid into our current account, we will begin to pay the installments starting from the following month. In the event that the amount used is less than the total, we will be able to obtain the remaining amount at a later date. Furthermore, at the end of the refund the plafond at our disposal will be regenerated , and we will be able to request up to 1500 euros again via the MiniCredito Compass.

Small personal loans Compass up to 1500 euros: requirements required

 

Small personal loans Compass up to 1500 euros: requirements required

 

If you are interested in receiving a small personal Compass loan , as always a very important aspect to consider before proceeding with the loan application is that of the necessary requirements to be able to obtain the desired amount. It is good to know beforehand the guarantees we need for the Compass MiniCredit also to avoid going to the branch without all the necessary documents : in this case we will lengthen waiting times unnecessarily because we will have to go back to the branch to bring the missing documents. So what are the requirements for small personal loans offered by Compass for 2019? First of all it is good to specify that it is a form of financing aimed exclusively at the company’s customers . In case you are not there yet there is no problem, as you can easily open a Compass current account on which to activate the credit opening and then pay the money we need.

 

The requirements are in many ways similar to those required to access any personal loan. The main difference is that in this case the amount we are going to request will be quite low , and therefore the risk that the financial risk will run will also be lower compared to a higher loan. Consequently one of the advantages of the MiniCredito Compass is to be aimed at a rather large clientele , given that the requisites required will not be particularly restrictive. The only guarantee that we will be required to be able to access the small personal loan we need will be an income document. As always, those who do not have any problems are employees and pensioners , who will simply have to present the pay slip or pension slip in the branch. In this case even those who in the past have had problems with other loans and are protested or bad payers will be able to access the MiniCredito Compass.

In the case of self-employed workers it is usually slightly more difficult to access any type of financing. However, as regards the Compass MiniCredit, there will be no particular problems as the only income tax document required will be the tax return . Considering that the amount we are going to request is quite low and that the installment will be decidedly light, particularly high incomes are not necessary in this case . Consequently we can say that from the point of view of the requisites required the small personal loan Compass represents an excellent solution even for those who had problems in receiving other types of financing.

How to request a quote and how to activate the Compass Mini Credit

 

Before proceeding with the request of the MiniCredito Compass as always it is useful to get an idea of ​​the expense that will be faced. For this reason our advice is to always request a quote with a calculation of the installment and the interest rates that will be applied. On the Compass website we have the possibility of using an online simulator that allows us to calculate a quote for personal loans offered by the company. The problem with this software is that it does not allow us to enter an amount of money less than 3000 euros as the amount to be requested. Consequently for the MiniCredit Compass we cannot use the online quote calculation service. Does this mean that we have no way of knowing the conditions of our loan before proceeding with the request? Absolutely not!

To calculate your detailed estimate what you will have to do is simply go to one of the Compass branches located throughout Italy. If you don’t know where the office nearest your home is, you have a very useful search service available on the Comapss website. Thanks to this service you will have the possibility to make an appointment online by deciding the date and time you prefer among those available. All you have to do is enter the name of your city or post code in the space provided. In this way you will immediately be returned the list of the most comfortable Compass branches for you , of which the address and the opening times to the public are reported. At this point you just need to click on the branch you prefer, select the day and time and fill in the form with your details to fix the appointment.

Afterwards you will receive an email confirming the appointment and in this way you will also avoid having to queue . On the day of the appointment you will therefore have a meeting with one of the Compass consultants to whom you will present your request for Mini Credit to know the installment that will be proposed and the interest rates that will be applied based on the repayment plan you prefer. Once you receive the quote you can decide to think about it a few days or, if the conditions are satisfactory for you, you can proceed immediately with the activation of the MiniCredito Compass. As we have already said, in this case you will be activated a credit opening of 1500 euros . When you need your small loan, you can simply withdraw the amount you need just as if that money were already in your account, and from the month following that in which you made the withdrawal you will begin to pay the repayment installments according to the conditions set at the time of the request.

To get an idea of ​​the economic conditions of the MiniCredito Compass we can consider the example of a quote that we find on the company’s website. The amount considered is equal to 1500 euros, which is the maximum sum that can be requested. The annual Tan interest rate applied is 16.00% , while the maximum Taeg will be 23.30% . The cost for opening credit is only 20 euros a year , for a very useful service. The monthly repayment installment will be only 50 euros or 100 euros based on the repayment plan you choose. In any case it is worth noting that it is always possible to carry out the early repayment of the residual debt, without any cost or penalty.

MiniCredito Compass: customers’ opinions on the main forums

MiniCredito Compass: customers

To conclude our analysis of the MiniCredito Compass let’s see what are the opinions of the customers that before us have chosen this product. We have carried out a search on the main sector forums, and what has emerged is that most users recommend the small personal loan offered by Compass for 2019 . Let’s see what are the points that are most emphasized in positive opinions, and which are the aspects that some users can improve.

The main reason why customers recommend MiniCredito Compass in online opinions is certainly the speed of delivery . Compared to the other forms of financing found on the market, it is in fact very convenient to always have an amount up to 1500 euros available , which we can use whenever we want. This product is obviously not the only one that allows us to get the money we need through a credit line, but in positive opinions it is emphasized that compared to other similar products, the small Compass loan is probably the most convenient . The users of the forums do not all agree on this aspect, in fact according to some the interest rates applied would be a bit too high.

As we have repeated several times in our reviews, the loan conditions that will be offered to us depend mainly on the guarantees we are able to provide . For this reason it is easy to have conflicting opinions on this point. In any case, what we can say is that most of the opinions positively evaluate the MiniCredito Compass from the point of view of convenience . Finally, from the point of view of the professionalism of the Compass consultants and the availability for any need, practically all opinions agree on evaluating their experience with full marks .

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