onlinepaydayloansdirectlenderszfncz.com http://www.onlinepaydayloansdirectlenderszfncz.com My WordPress Blog Sat, 29 Jun 2019 14:33:35 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Tax Tips for May 31st: Now Think About These Tax Savings Possibilities http://www.onlinepaydayloansdirectlenderszfncz.com/tax-tips-for-may-31st-now-think-about-these-tax-savings-possibilities/ http://www.onlinepaydayloansdirectlenderszfncz.com/tax-tips-for-may-31st-now-think-about-these-tax-savings-possibilities/#respond Sat, 29 Jun 2019 14:33:35 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/tax-tips-for-may-31st-now-think-about-these-tax-savings-possibilities/ May 31 is getting closer: If you’re required to file a tax return, this is your 2015 deadline. High time to sit down at the desk, sort out the documents, bills and receipts from the past and explore the tax refund possibilities , Here are a few suggestions: Five tax reimbursement Possibilities and expenses, the employees overlook again and leave unused.

Everyone has insurance, many of which you can claim in the tax

Everyone has insurance, many of which you can claim in the tax

But the regulations are a bit complicated – that’s why many are scared off. Here are the most important things at a glance. The largest items that you can deduct for tax purposes are the pension and health insurance expenses:

  • Pensions: You can always deduct the contributions for the statutory pension insurance, for occupational pension schemes, for Rürup and Riester contracts. For 2015, the maximum amount of € 22,172 (44,344 for married couples / legal partners) applies here. The year before, the limit was still 20,000 euros.
  • Health insurance: Here you can claim up to 1,900 euros per year for basic care. If your health and long-term care insurance contributions do not reach this limit, you can use the remaining amount to deduct other insurances, such as unemployment, accident, liability and term life or supplementary health insurance.

Anyone who has their company repaired in their private apartment or house, who has their children looked after at home or paid a caretaker, can deduct some of the costs for tax purposes. 20% of the labor costs (not material costs) are deducted directly from tax liability. Here a pretty tax savings can come about. Prerequisite: You have an invoice in which the costs are broken down into work share and material costs. And: The amount has to be transferred. For cash payment, there is no tax advantage!

For example, did you donate something for Christmas?

cash

Or in the course of 2015 a charitable project supported? Then you can have your financial contribution to the tax rewarded. For grants of up to € 200, the bank receipt is sufficient. If the donation was higher, you need a donation receipt, ie a receipt from the donation recipient.

Again and again, there are medically necessary treatments that are not or not completely taken over by the health insurance. For example, an expensive dental treatment or a cure in which you have to pay. These costs can be tax deducted as exceptional charges as soon as the limit of reasonable load is exceeded. This limit varies according to income and marital status.

Did you move for work in 2015 

work

Perhaps because you changed jobs? If the new employer has not paid the costs, you can recoup a sizeable portion of your expenses through the tax. For job-related moves you can claim in the amount of the actual costs incurred in your advertising costs: These include, for example, the costs of the removal company and brokerage commissions. In addition, you can claim a lump sum for the other expenses without further proof: Currently this is 730 euros for single persons and 1460 euros for married people.

The move can also be professionally without a change of job: for example, if the workload is significantly reduced as a result. If the round trip to work is shortened by at least 30 minutes, the tax offices recognize the removal costs.

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5 Steps for Young Families to Create a Budget http://www.onlinepaydayloansdirectlenderszfncz.com/5-steps-for-young-families-to-create-a-budget/ http://www.onlinepaydayloansdirectlenderszfncz.com/5-steps-for-young-families-to-create-a-budget/#respond Sat, 15 Jun 2019 14:34:26 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/5-steps-for-young-families-to-create-a-budget/

Are you parents who struggle every month to keep a budget? Are you stressed about being able to pay bills, even if your income is good? Are you wondering if there is a better way? Yes, there is and begins with a philosophy! Here are the five steps to this budgeting philosophy for young families. Check out.

Budget Step 1: Understand what you need to live

Budget Step 1: Understand what you need to live

Calculate how much money you need to live. Your needs include rent, food and fuel for your car. Generally, write down how much you need by looking at your past expenses. The total number may be smaller than you think, which will give you a more flexible budget.

Budget Step 2: Treat savings as a necessary expense

Budget Step 2: Treat savings as a necessary expense

Start treating the savings as a necessary expense in your budget. By adopting this thought you can guarantee a saving emergency fund every month. It is recommended 10% of your income to start. And if you can not do 10%, try 5%. You are wondering how you will have a social life doing this, but think about what happens if your car breaks down or if your cell phone falls into the water. By saving money for some unforeseen, you can still continue paying your necessary expenses without going into debt and staying in tight for months.

Budget Step 3: Do not predict income

Budget Step 3: Do not predict income

If the money is not in your account, do not plan on using what you do not have. It just does not make sense. Use the money you already own. This can be difficult to do when starting, you may have to cut your expenses with leisure, for example. But once this occurs, your stress decreases significantly because you can be confident that you already have money for next month’s expenses.

Budget Step 4: Make no mistake

Budget Step 4: Make no mistake

Everyone knows you may need to save money to do some maintenance on your home or renew your cable TV subscription. Why not save part of your budget a little each month instead of trying to figure out how to pay for them when they come up surprisingly. This part is a bit more labor-intensive but book $ 30 or more per month for Christmas gifts from January prepares you for Christmas in December, avoiding surprises and headaches. Understanding your annual expenses allows you to be proactive when it comes to planning for any such expenses.

Budget Step 5: Your budget is net, not frozen

Budget Step 5: Your budget is net, not frozen

We all know that every month presents different needs financially. For example, a month, you may need new clothes or spend with medications for a possible cold. Because the different months present different scenarios, we need to be adaptable within our budget to allow this. Having a flexible budget means finding an area in your budget, where you can have a change space within a month.

Having a budget can be very time consuming and annoying, but you just need to be proactive … which can be some sacrifice at first, it will still be worth it. You will feel less stressed and more comfortable with what you are spending your money on. There are many great tools available for budgeting, use Google for a search and search for spreadsheets or apps that can help you. Just do not stand still.

And remember, you got into debt? Calm down, do not despair! Make a simulation and apply for your personal loan online with Financial Group. Security, ease and speed guaranteed, only with the Financial Group, you far from the red!

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How do I give my children the allowance? http://www.onlinepaydayloansdirectlenderszfncz.com/how-do-i-give-my-children-the-allowance/ http://www.onlinepaydayloansdirectlenderszfncz.com/how-do-i-give-my-children-the-allowance/#respond Wed, 12 Jun 2019 14:10:41 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/how-do-i-give-my-children-the-allowance/

Allowance can be the first contact children have with money, so it needs to be well-targeted so that their children have some sense of financial management.

But how do you get the allowance distributed and still encourage your children to value every penny?

Next we will teach parent readers how to give their children a allowance. Good reading.

Why give money to my children?

Why give money to my children?

Certainly this question is what most circulates in the minds of most parents: what the purpose of the allowance.

Many parents adopt the measure of reward versus punishment, such as giving allowance in exchange for high grades or good behavior at school.

This kind of encouragement is not much recommended, since children can learn to be good at something, and that is certainly not the intention of those responsible.

Instead of the reward vs. punishment system, consider setting a fixed allowance regardless of the results your children get.

However, double the amount of the allowance as a form of congratulation when you achieve better results and also help with household chores.

So your children will not be tied to a nonexistent pattern of perfection, but rather will be encouraged to overcome themselves.

How much money should I give my children?

How much money should I give my children?

This is a very particular issue of each family’s budget, but it is always recommended to start with small amounts and gradually increase.

Think kids will rather spend on candy and toys while teens might want games, books and clothes.

A good tip for low income parents is to start saving their children’s allowance from early on, so that when they grow up they can enjoy a higher allowance.

  • How Parents Can Help Teenagers Manage Money

Some cool tips

Some cool tips

  1. Present your children a table of family income and expenses so they can learn the importance of work and money;
  2. Teach your children to save the allowance to buy something of greater cost that they want;
  3. Encourage your children to participate in household chores. To do this, mount a table with the activities and the amount gained by completing each one. Seek to marshal your financial rewards with your child’s hobbies, for example:
  • Take out garbage from the bathroom = 0.50 cents;
  • Sweep the room = worth half an hour more video game;
  • Feed and collect the coconut from the pet = 0.80 cents;
  • Rub the bathroom box = 1 hour more than internet.

If you have no idea how to do this, do a search for Google, there are many tables in this style that can help.

Also, try to distribute the activities according to the age range of your children, but without taking away their responsibilities.

Keep in mind that washing your dirty dish, making your own bed, and doing homework should be a must, so your kids will be more responsible adults.

You might like:

  • 6 Mistakes to Avoid When Buying an Engagement Ring

Secure, simple and fast personal online loan is with the Financial Group . Make a simulation with us.

Financial Group , you far from red.

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This loan was the most popular in 2018 http://www.onlinepaydayloansdirectlenderszfncz.com/this-loan-was-the-most-popular-in-2018/ http://www.onlinepaydayloansdirectlenderszfncz.com/this-loan-was-the-most-popular-in-2018/#respond Thu, 06 Jun 2019 14:11:19 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/this-loan-was-the-most-popular-in-2018/ In addition to helping the Danes save a lot of time and money, Good Finance has helped many people to realize many different dreams. Some people have lent to car others for renovation of the home.

Car, boat and MC tops nationwide

Car, boat and MC tops nationwide

A new study from Good Finance shows what the Danes borrowed in 2018 and how the distribution looks in different parts of Denmark.

According to Good Finance’s study, the category loan for “Car, Boat and MC” took first place. 20% of the applicants had the purpose of the loan. Number two was loan to “Deposits / Deposits for Housing” with 17% closely followed by “loans for renovation”, which 16% of applicants stated as purpose in connection with applying for receiving loan offers via Good Finance.

“Car, Boat and MC” occupies first place in large parts of Denmark. Only Copenhagen and North Zealand do not have cars, boats and motorcycles in the first place.

Apply for a loan Fill only one application and receive offers from several banks. Free and no obligation application now

Only Copenhagen has “Normal consumption” in the top 3

Only Copenhagen has "Normal consumption" in the top 3

When comparing the different areas of Denmark, there is a clear picture of what the Danes want to borrow money for. Only Copenhagen and the surrounding area have a different purpose in the top 3. The purpose “Ordinary consumption” is in second place with 16% of the applications.

Below we have listed the top 3 in the different parts of the country.

Top 3 purposes of raising loans – nationwide

  1. 1. Car, Boat, MC: 20%
  2. 2. Deposit, deposit to housing: 17%
  3. 3. Renovation: 16%

Top 3 purposes of raising loans – Copenhagen and surroundings

Top 3 purposes of raising loans - Copenhagen and surroundings

  1. 1. Renovation and conversion: 18%
  2. 2. General consumption: 16%
  3. 3. Deposit, deposit to accommodation: 15%

Top 3 purposes of raising loans – North Zealand

  1. 1. Renovation and conversion: 20%
  2. 2. Car, Boat, MC: 16%
  3. 3. Deposit, deposit to accommodation: 15%

Top 3 purposes of raising loans – Zealand

  1. 1. Car, Boat, MC: 20%
  2. 2. Renovation and conversion: 19%
  3. 3. Deposit, deposit to home: 17%

Top 3 purposes of raising loans – Funen

  1. 1. Car, Boat, MC: 24%
  2. 2. Deposit, deposit to home: 16%
  3. 3. Renovation and conversion: 15%

Top 3 purposes of raising loans – Jutland

  1. 1. Car, Boat, MC: 22%
  2. 2. Deposit, deposit to housing: 17%
  3. 3. Renovation and conversion: 15%

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Personal Payday loan for retiree: what are the advantages? http://www.onlinepaydayloansdirectlenderszfncz.com/personal-payday-loan-for-retiree-what-are-the-advantages/ http://www.onlinepaydayloansdirectlenderszfncz.com/personal-payday-loan-for-retiree-what-are-the-advantages/#respond Fri, 31 May 2019 14:04:13 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/personal-payday-loan-for-retiree-what-are-the-advantages/

Personal Payday loan is useful in a variety of situations, especially in purchases , cash or installments , of products and services. Currently, banks offer cards of different modalities and varied limits.

For you who are already accustomed to the conventional Personal Payday loan model, we present the paycheck-deductible Personal Payday loan: the special card for retirees.

Know the card, its advantages and know in which situations to use it.

Personal Payday loan for retired

Personal Payday loan for retired

The payroll deductible Personal Payday loan is one in which the minimum amount of the invoice is deducted directly from the INSS benefit , regardless of the total amount, determined in 5% of the total value of the income or benefit.

Since the discount is automatic, it is necessary to have a fixed income that guarantees the effectiveness of the payment. That is why the card is exclusive for retirees , INSS pensioners and public servants.

What is it for?

What is it for?

The retired Personal Payday loan has the same features as the conventional Personal Payday loan, but offers more advantages. With it you can make purchases, payments and make withdrawals.

Advantages of consigned card

Advantages of consigned card

Compared to conventional Personal Payday loan, paycheck Personal Payday loan offers advantages that contribute directly to its economy and tranquility. Look:

Low interest rates

According to the Central Bank, in January 2019, the average interest charged by conventional Personal Payday loans was 27% per month.

But with the Personal Payday loan for retiree, the consigned card , the interest rates are on average 3% per month , depending on the issuing bank. This is possible because the bank has greater certainty about the effectiveness of payments by customers.

No annuity

There is no charge or maintenance fee for the consigned card. That is, you do not have to pay to have or keep your card, as with most traditional cards. So, you save your money to use in another purchase or in a personal fulfillment.

No late fee

As the minimum payment of the invoice is deducted from your benefit each month, there is no incidence of fines or interest for delays, as they will not occur. You can choose to pay the minimum amount, or determine a larger amount to clear the invoices in less time.

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How Certificates Work: How It Works Simply Explained http://www.onlinepaydayloansdirectlenderszfncz.com/how-certificates-work-how-it-works-simply-explained/ http://www.onlinepaydayloansdirectlenderszfncz.com/how-certificates-work-how-it-works-simply-explained/#respond Sun, 12 May 2019 14:42:23 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/how-certificates-work-how-it-works-simply-explained/

There is a wide range of securities on the market. The different financial products can be used to hedge your securities portfolio or can be specifically selected in order to achieve the greatest possible return. The market holds different products ready for this. In addition to funds and ETFs, there is also the opportunity to invest in certificates. But what are and how certificates work exactly?

What is a certificate?

What is a certificate?

The functionality of certificates is actually quite simply explained: From a purely legal point of view, a certificate is a bearer bond. With a certificate, you therefore have no ownership or shareholder right but the right to a certain amount. The value depends on the development of a so-called underlying. This can be for example:

  • Shares
  • Indices
  • Raw materials , for example precious metals such as gold, silver or palladium, energy raw materials such as oil and gas or industrial metals such as aluminum
  • Currencies , such as the euro and the US dollar

How do certificates work compared to alternative products? In contrast to other securities, the price of a certificate does not result from supply and demand. Instead, it is determined by the price movement of the respective underlying. Certificates can differ in terms of the following criteria:

  • With and without fixed term
  • In euros or in foreign currency
  • Notated in units or percent
  • With or without the right of termination of the issuer

Which factors determine the issue price?

Which factors determine the issue price?

In addition to the performance of the underlying, other factors play a decisive role in the price development of the certificate. This includes:

  • Value of derivative components
  • Margin that the respective issuer can set itself
  • management fees

What factors determine the value of a certificate during its lifetime?

What factors determine the value of a certificate during its lifetime?

Here, too, the development of the underlying is crucial. However, there are other aspects that affect the value of a certificate during its lifetime:

  • Development of interest rates
  • currency
  • Possible dividends
  • volatility

What types of certificates are there?

Different types of certificates are available on the market. These include, for example:

  • Index Certificates: You do not invest in a single share but in an index, such as bond indices such as the REXP or stock indices such as the German DAX.
  • Basket certificates: These relate to several individual stocks or to indices that are grouped together in a so-called basket. Its value results from the individual values ​​and their respective weighting. The composition of the basket can either be static throughout its lifetime or adjusted if necessary.
  • Single value certificates : refer to a single value, such as a commodity or a share.

How does the purchase of certificates work?

You can buy certificates both on the stock exchange and from a issuing bank. Each certificate is provided with a unique securities identification number (WKN or ISIN), which you must specify when trading. As an investor, you also have the opportunity to invest regularly in a certificate savings plan.

Bear in mind: Certificates are bearer bonds. In the event of a bankruptcy of the issuer, you can not claim against it. Your certificate is worthless. Therefore, think carefully about the investment in certificates and only opt for this financial product, if you are familiar with the functioning of certificates. Be sure to choose a trusted issuer to minimize the risk of loss.

 

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Loan without payroll and no guarantor: how to get it? http://www.onlinepaydayloansdirectlenderszfncz.com/loan-without-payroll-and-no-guarantor-how-to-get-it/ http://www.onlinepaydayloansdirectlenderszfncz.com/loan-without-payroll-and-no-guarantor-how-to-get-it/#respond Sun, 21 Apr 2019 14:45:01 +0000 http://www.onlinepaydayloansdirectlenderszfncz.com/loan-without-payroll-and-no-guarantor-how-to-get-it/

Many people wonder if it is somehow possible to get a loan without a pay slip and without a guarantor . This doubt arises from the fact that before granting a loan, the credit institutions want to ensure the repayment capacity of the potential client, asking that together with the loan request, an income document be presented, together with the identity card and the fiscal code. .

If the person requesting the loan does not have a demonstrable income, he will find it very difficult to obtain the loan if he cannot prove that he has solid alternative guarantees or he does not find a person willing to act as guarantor. So the speech ends here? Not exactly! The loan without a pay slip and without a guarantor is not easy to get, but it exists: let’s see how to get it .

Alternative guarantees for obtaining a loan without a pay slip and without a guarantor

pay slip

Anyone who wants to obtain a loan and does not have a pay slip that can prove the presence of an income can encounter many difficulties, but not everything is lost. Always bearing in mind that the last word is up to the bank or the finance company (the institutions evaluate each request on a case-by-case basis), the road that gives the most chance of obtaining a loan without a pay slip is that which provides for the presence of a guarantor . We are talking about a person who commits to the bank to pay the loan repayment installments in the event that the principal debtor (or the person who requested the loan) does not comply with its fulfillment. Naturally the credit institutions can accept as guarantor only and exclusively the people who give ample guarantees in terms of economic solidity and financial reliability and to ascertain them require the presence of precise requirements: the person proposed as guarantor must perceive a good good income, must be aged between 18 and 70 or 75, must not be reported as a bad payer or protested and must have adequate assets ; if the “guarantor candidate” has other ongoing funding, the institution will assess whether they can in any way negatively affect their ability to cope with this new commitment.

In most cases the person who undertakes to pay the repayment installments of another’s debt is a relative or a person very close to the principal debtor: the most classic examples are the husband who acts as guarantor for the wife and vice versa or the parent who is committed to a loan for the child. In reality it is not at all necessary that there is any kind of reimbursement between the two: as far as the bank is concerned, they can also be two people who do not know each other at all , the important thing is that the debt be repaid. But it is not easy for everyone to find a person who is willing (or economically able) to make such a commitment: it is still possible to obtain a loan without a pay slip and without a guarantor through the classic channel represented by the banks and the financial companies, even if the chances of success go down considerably.

If the amount of the loan is quite limited (and when it comes to loans without a pay slip and without a guarantor through the traditional channels it is necessarily so) the idea of ​​presenting as alternative guarantee a mortgage on a property owned should be discarded: in fact it would be a partial mortgage and in the event of failure to repay the bank it would be particularly costly and complicated to recover the sums paid. He has a few more chances for those who do not receive an income, but can count on a regular entry every month: for example, we think of those who receive the rent for a rented house or those who have made a good investment and have a secure income or even to those who receive the maintenance allowance from the former spouse each month. And then we have to make an important clarification: even if we talk in general terms about loans without payroll, in reality we talk about loans without income documents ; the pay slip is the document that is issued by the employer to his employees when he pays his salary and summarizes a series of information on the employment relationship and on the composition of the salary, but the banks and the financial companies are included in the definition the pension slip and the Unico tax return form are also included. This means that employees, retirees and freelancers can apply for a normal personal loan, while for the other categories (from the unemployed to the housewives passing through the young, the irregular workers, atypical workers, students and so on) the obtaining of a loan can become a really arduous undertaking especially if you don’t find a person willing to act as guarantor and if you don’t have acceptable alternative guarantees to propose.

Loan changed without pay and without guarantor

Loan changed without pay and without guarantor

To get a loan without a pay slip and without a guarantor you could also dust off a very used tool in the past that in recent years (due to the crisis and the many changes that have involved the world of work) is back in fashion: bills of exchange. The loan is part of the personal loans (and therefore not finalized), but differs from the others because its repayment is made through the payment of bills of exchange; these are issued as bills (promise of payment) or as a way (payment order).

The bills of exchange, if they are correctly filled out and if they are in order with the stamp, are executive titles : this means that in case of non-payment the creditor can request the protest and proceed with the attachment of the debtor’s assets (with consequent forced sale) without having to wait for the court intervention. In theory everyone can access this form of financing (even bad payers), but considering the negative aspects (high costs, higher interests, danger of losing their assets) this solution should be evaluated only as a last resort. In addition, the most important credit institutions do not officially deal with this type of product, offered by financial active above all at the local level.

Personal loans without payroll and without guarantor

You can get a loan without a pay slip and without a guarantor even by using a personal loan : nowadays there are authorized online platforms that act as a meeting point between those who need money and those who are willing to lend it (a sort of investment remunerated by interest), but guarantees are still required.

You can ask for money from friends and relatives , maybe being able to get some particularly favorable conditions, but here you go back a little to the speech made before: not everyone can find a person who wants or can lend money and turn to strangers can turn out to be a dangerous choice.

Credit on pawn without pay slip or guarantor

Another option is a pledged loan : a pledge is delivered and a sum of money is received which must be returned within the agreed expiry date to recover the item, otherwise this can be sold by credit which can thus be returned in possession of the loaned money; also in this case we talk about a loan that can be obtained without a pay slip and without a guarantor, but the interests are high , the deadlines very short (do not go beyond a year) and the amounts contained (without forgetting that the sum you pay receives is much lower than the value of the pledged asset).

Mortgage annuity loan without payroll and without guarantor

Mortgage annuity loan without payroll and without guarantor

On the subject of loans without a pay slip and without a guarantor it is necessary to open a small but important bracket to talk about the mortgage loan. This is a very popular loan in the past, but in Italy it has rediscovered popularity only in recent years, when new regulations were introduced. The mortgage life loan is reserved for people over 60 years who are the owners of their home: the mortgage on the building represents the guarantee by which it is possible to obtain a sum of money, which can also be significant; the amount disbursed depends on two factors, namely the age of the applicant and the value of the house (established by an appraisal carried out by an external expert to the bank addressed) and ranges from a minimum of 15% of the value of the ‘property for those 60 years of age to reach up to a maximum of 50% or even 55% for those over 90 years (in any case the sum paid cannot exceed 350,000 euros). There are those who compare this financing to the formula of bare ownership , but with the mortgage life loan the ownership of the asset is not lost: only at the time of his death the heirs can decide whether to redeem the property or if they leave it to the bank, which is will take over the sale and pay the heirs the difference between the sum collected and the amount to be repaid (there is also a third option: in agreement with the bank the heirs themselves can take care of the sale: to benefit the heirs the law provides that the the residual amount of the debt cannot be higher than the price at which the house is sold, there are 12 months to complete the sale of the property and pay off the debt).

The beneficiary can decide whether to repay the expenses and interest over time (therefore at maturity the heirs will have to pay only the capital to the bank) or if they do not pay anything (and in this way at maturity the heirs will have to repay in a single payment capital, interest and expenses). This particular method of reimbursement and the absence of a precise deadline (its duration is linked to the duration of the beneficiary’s life) is the most marked characteristic that distinguishes the life-long mortgage loan from other types of financing. It might seem a particularly convenient option for those looking for a loan without a pay slip and without a guarantor, it is already 60 years old and the owner of the house in which he lives, but if you dig deep you find that it is not all roses and flowers, in fact different criticalities emerge. The first is related to the amount payable: the “youngest” can get limited sums, but even those older with the years are unlikely to be able to get an amount that goes over half of the value of the house.

The second negative aspect concerns the cost of the loan : the rules relating to the life-long mortgage loan contain a sort of derogation from compound interest; this means that you have to be very careful when signing the contract because the banks in fact are authorized to apply the annual capitalization of the interests ; if the beneficiary does not opt ​​for the periodic reimbursement, the debt that the heirs will have to pay may have grown so much as to expire that the redemption of the property is very difficult. It is not a very simple concept to understand, but perhaps with an example everything will seem clearer: a 65-year-old person whose property has a value of 500,000 euros gets a loan of 90,000 euros (equal to 18% of the value of the house) with a TAN of 5.5%; for the first year the interest will be equal to 4,950, but for the second year it will be equal to 5,225.25 (because calculated no longer on 90,000 euros but on 94,950 euros because the interests of the first year have been capitalized), for the third they will amount to 5,509, 64 euros (calculated to be 100,175.25 euros) and so on. If the beneficiary has not opted for the gradual repayment of the interests, the heirs will find themselves paying a decidedly high amount compared to the capital initially provided by the credit institution.

Another not very positive aspect is represented by the different constraints imposed by the law: it is obvious that the property cannot be sold before the debt is extinguished, but the beneficiary must guarantee a good state of preservation (thus facing also expenses for the extraordinary maintenance, if necessary) and cannot rent or renovate the house. Moreover, as we have seen, the heirs have only twelve months to return the money to the bank (and often it is a lot of money), otherwise the bank will take care of the sale, with the price that will fall until a buyer is found. (and with the possible difference that should be returned to the heirs that is reduced more and more). In short, when we talk about loans without a pay slip and without a guarantor, we must always carefully evaluate all aspects and put on the balance the pros and cons that such an operation entails.

Loans and non-repayable loans without payroll and no guarantor

Loans and non-repayable loans without payroll and no guarantor

Those looking for a loan to start a new business have more opportunities represented by grants and other benefits provided thanks to European funds . These resources are managed at national level (through the Invitalia agency) and at local level (through the Regions). Let’s take a look at the most interesting loans

Zero rate new companies

It is a measure to support the emergence and growth of micro and small businesses that are predominantly composed of women or young people between the ages of 18 and 35 . Who intends to start a business in the sectors of goods production, service supply, trade in goods and services and tourism can get subsidized loans covering up to 75% of eligible expenses (for a maximum amount of 1, 5 million euros). The repayment plan starts only when the investment plan is concluded (operation to be closed within 24 months of signing the contract), provides for the payment of deferred six-monthly installments and can last up to eight years.

Rest in the South

In this case we are talking about an inventiveness reserved for those under 46 who wish to start a business (agricultural activities and trade are excluded) in the regions of Southern Italy, namely Sicily, Calabria, Basilicata, Puglia, Campania, Molise, Abruzzo and Sardinia. To qualify for the grant, applicants must not have an open-ended employment relationship for the entire duration of the loan and must not be holders of other companies in operation. The loan covers the total eligible expenses and consists of a non -repayable grant for 35% of the total amount and a bank loan guaranteed by the SME Guarantee Fund (with interest covered by an interest subsidy) for the remaining 65%.

Smart & Start Italia

It is an initiative valid throughout the Italian territory that has as its objective the birth and development of innovative startups that operate in the digital economy, which are able to enhance research results and which are characterized by an important technological content. Zero-interest loans can be obtained for amounts up to 70% of eligible expenses (the loan can reach up to 80% of eligible expenses if the startup consists exclusively of young people up to the age of 35 or women or if within them c is an Italian research doctor who works abroad and wants to return to Italy); for startups based in the southern regions, a non -repayable contribution of 20% of the loan is also provided.

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