tapcreative.co.uk http://tapcreative.co.uk/ My WordPress Blog Sun, 03 May 2020 07:31:14 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 Personal loan – Simulator, interest rate, how to do it http://tapcreative.co.uk/personal-loan-simulator-interest-rate-how-to-do-it/ http://tapcreative.co.uk/personal-loan-simulator-interest-rate-how-to-do-it/#respond Sun, 03 May 2020 07:31:14 +0000 http://www.tapcreative.co.uk/personal-loan-simulator-interest-rate-how-to-do-it/

Financial unforeseen events are recurrent in everyone’s life and therefore, an alternative is to resort to personal loans. After all, this modality is known for its easy access offered by financial institutions, and it is also one of the options available on the market for those who need money quickly. For this reason, the Personal Loan at Fine Bank can be a good alternative.

On average, Fine Bank charges interest of 4.28% per month. In a practical way, if $ 5,000 is requested to pay in twelve installments at interest of 4.28% per month, it will be necessary to pay twelve installments of $ 541.45, totaling $ 6,497.40.


Fine Bank personal loan: Simulator

personal loan: Simulator

On the financial institution’s website, it is possible to request proposals for Mortgage Loans, Personal Loans – Property as Guarantee, Pension and Financial Education. To do this, just fill in the data requested by the bank, and at the end of the registration, the conditions offered will be shown.



loan Benefits

Quick money: The requested amount is released at the same time in the customer’s current account if he is already a bank account holder, otherwise the credit will be subject to analysis;

Flexible installment payment: It is possible to choose the payment date of the first installment within 60 days after the account credit, including, it may be the payment date of your monthly salary and / or income;

Account debit: The loan takes the form of account debit, which can make it very easy when closing accounts. But for that, it is essential to maintain financial health. After all, if the balance is insufficient, you will enter the overdraft – the second line with the most expensive interest rate in Brazil.

To hire a personal loan at Fine Bank, you must be over 18 years old, have a checking account and have no name restrictions. In addition, the bank usually requires proof of income.


How to take out a personal loan at Fine Bank?

personal loan at Sanbuan?

If the customer already has a Fine Bank account, it is possible to contract a personal loan through internet banking or at ATMs. This is because it is common to have a pre-approved limit for account holders. If you have no approved limit, or the pre-approved amount is less than necessary, you must contact Fine Bank. The same is true if you find the cost of interest high.

If you are not an account holder, you will need to go to a Fine Bank branch with the following documents:

  • RG;
  • CPF;
  • Proof of address;
  • Proof of income.

In any case, opening a current account does not guarantee that you will have credit approved, not to mention that the process can be time consuming.

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How to apply for loans for unemployed? http://tapcreative.co.uk/how-to-apply-for-loans-for-unemployed/ http://tapcreative.co.uk/how-to-apply-for-loans-for-unemployed/#respond Wed, 08 Apr 2020 07:41:28 +0000 http://www.tapcreative.co.uk/how-to-apply-for-loans-for-unemployed/

Getting a loan, credit or any other type of financing when you are unemployed is much more complicated than when you are working and developing a paid work activity.

However, even when a person is receiving periodic income in the form of unemployment benefits or unemployment benefits, conventional financial institutions and fast credit entities may become more reticent in offering financing.

So does this mean that an unemployed person with no income cannot access a loan?


Credits for unemployed without income: do they exist?

Credits for unemployed without income: do they exist?

A priori, the answer is no. Most loans are made based on a personal guarantee, that is, with the certainty that, if you are going to ask for a loan, you have the necessary resources to repay it, whether in the form of savings, salary, wealth, etc. Faced with this type of loan, the absence of a payroll is an important handicap for the application to be accepted. If we add to this the total absence of periodic income, the possibility of it being accepted seems complicated.

In these cases, since we do not receive income, we can choose to explore other options, such as collateralized loans. What are they? A type of loan that requires a property or an asset as collateral. In this way, if you do not meet your financial obligations, the lender will have the right to keep this guarantee as compensation.


When a person with no periodic income applies for a collateralized loan

money loan

The first thing they do is evaluate their assets. Based on this information, a valuation process called scoring begins, through which the loan will be analyzed.

Scoring consists of assigning a score to a series of data (in addition to the asset situation previously analyzed) such as the applicant’s profession, age, marital status or length of work. If, by adding all the scores, the final value exceeds the minimum established by the entity, it is usual for the loan to be granted and a binding offer to be issued. In this offer, it is mandatory that the client is perfectly informed about the interest rate that will be applied and the amortization table of the loan.

Based on all this information, the unemployed and incomeless applicant should carefully evaluate the risks of applying for this loan. An applicant who is in a delicate financial situation, as in this case, can face the loss of the asset in guarantee if he is not able to obtain future income to pay off the debt. T

This occurs in cases in which the applicant is unemployed and does not receive money periodically, but what happens when, despite being unemployed, he does receive monthly income? Let’s see it!


Loans charging unemployment: requirements

Loans charging unemployment: requirements

If you are unemployed but receive periodic income you can apply for a credit, but you will have to meet some requirements such as being over 18 years of age, having Spanish nationality or a residence permit and not accumulating unpaid debts that exceed a certain amount of money (In general, the limit is usually around 1,000 dollars, but each entity has its policy). In addition, you will need to have proof of periodic income, regardless of where they come from (benefit, subsidy, pension …).

But the process does not end there. To access a loan, you must first fill out a form that you can normally access through the website of the credit institution. In this form you will have to provide your National Identity Document (DNI) and a receipt that certifies your monthly income. This last document is essential to measure your creditworthiness and, therefore, your ability to repay the borrowed money.

Once this information has been sent, a verification of the data offered is carried out, each specific situation is carefully evaluated and, if deemed appropriate, in a few hours or even minutes, the amount is usually paid in the applicant account.

There are currently a multitude of solutions for those who need financial help to meet their payments. However, it is essential to make responsible use of these resources. That is why credit institutions such as Cream credit evaluate each case and provide support to their clients to help them make responsible financial decisions taking into account their current and potential resources.

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Real estate credit: the electronic signature facilitates the procedures http://tapcreative.co.uk/real-estate-credit-the-electronic-signature-facilitates-the-procedures/ http://tapcreative.co.uk/real-estate-credit-the-electronic-signature-facilitates-the-procedures/#respond Thu, 02 Apr 2020 07:31:33 +0000 http://www.tapcreative.co.uk/real-estate-credit-the-electronic-signature-facilitates-the-procedures/

A mortgage is a financial process with sometimes long and painful stages. The administrative burden is often a chore which individuals do not love. But banking establishments are beginning to popularize the electronic signature of various documents. A method that demonstrates a certain speed while reducing the risk of occurrence of errors. Back on the benefits of this technology.


Manual signing, an unreliable process and from another time

real estate credit

Technology is installed in the process of finalizing a mortgage application. Certain banking professionals make it a priority by therefore proposing the electronic signature of a loan offer. Through the adoption of such a device, the banks hope to remove the factors that can invalidate the file during a manual signature. Embarrassing situations which cause delays which are potentially worrying for the parties.

It must be said that the unforeseen are multiple. The customer, left to himself when he receives his loan offer, can make mistakes when he initials the document. He can very well go to his agency, but this misunderstanding causes frustration and therefore customer dissatisfaction. But these are not the only snags since when sending documents by mail, within a time limit to be observed, the file can be lost. These are all factors that push banks to modernize this process.


Simplification of processes via electronic signature

real estate credit

Now, establishments are making electronic signature a priority strategy to avoid the many pitfalls encountered during a manual signature. Some banks have even reached an 80% mortgage signature rate through technology. It must be said that it offers significant advantages for all stakeholders.

Already, it corrects the unexpected by simplifying the signing process for customers who will be accompanied by the software, in the event of remote signing at home, or by the advisor, in the event of signing at the agency on a tablet. In addition, files no longer have to be sent by post and do not risk loss. The processing of files can therefore be done in a much shorter time. A boon for customers, who gain satisfaction, but also for bank advisers who increase their productivity and therefore the profitability of their brand.

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Line of credit that allows you to obtain financing http://tapcreative.co.uk/line-of-credit-that-allows-you-to-obtain-financing/ http://tapcreative.co.uk/line-of-credit-that-allows-you-to-obtain-financing/#respond Thu, 26 Mar 2020 07:13:08 +0000 http://www.tapcreative.co.uk/line-of-credit-that-allows-you-to-obtain-financing/

dollar loan is a line of credit that allows you to obtain financing, being able to have an amount of money that can be used at the client’s convenience, with a refund in monthly installments set at their discretion.

A financing alternative with which you can benefit from always having the money you need at your fingertips, with the peace of mind of being covered in any situation and facing different types of economic needs, from money for projects to serious contingencies that may require amounts higher.

Requirements of dollar loan

Requirements of dollar loan

dollar loan establishes a series of minimum requirements to be eligible for its product, requirements that are in line with what most companies require. Specifically, the conditions they ask for are essentially four:

  • Be at least 18 years old
  • Have resided in Spain for at least 5 years
  • Have a valid DNI / NIE
  • Do not appear in the Financial Credit Institution file

This does not necessarily imply that anyone who meets these requirements will obtain immediate approval of their application, but at least it marks an initial filter that defines who can NOT access this financing. The economic conditions of each will be those that ultimately determine both the approval and the final conditions of the loan.

Amount and term of repayment of the loan

Amount and term of repayment of the loan

dollar loan offers you loans from 200 USD to 4,000 USD to be repaid in monthly installments from 5 to 48 months.

Depending on the amount you request, you will have a different return period depending on the conditions of your credit:

  • For amounts up to 200 USD you have a return period of up to 5 months.
  • For amounts up to 500 USD you have a return period of up to 12 months.
  • For amounts up to 1,000 USD you have a return period of up to 28 months.
  • For amounts between 1,500 and 4,000 USD you have a return period of up to 48 months.

As you can see, it is a flexible lender that adapts the amount of your credit to the most advisable repayment term in each case.

Request Ranges

Request Ranges

The amount to request ranges from a minimum of 200 USD to a maximum of 4,000 USD.

To be able to access the money, you must make the request through the dollar loan website specifying the amount you want, and it is the simulator that indicates the minimum monthly payment, the term and the total capital to be returned.

However, it must be pointed out that these are merely indicative figures, since they are based on the fact that the client will use the total available capital immediately, which does not necessarily have to be that way. In addition, the client himself can request to make a payment greater than the minimum stipulated if he wishes, since in this way he will pay less interest.

Approval of application

Approval of application

Once the application is completed and the relevant information is provided, the decision is communicated instantly.

Given the particular conditions of this product, what is received is an offer adapted to what the system considers to be adequate and within acceptable risk levels. If after sending the information the client is not considered to meet the conditions, it will be rejected. But if you meet them, you will be offered a line of credit with an interest based on the risk analysis, and whose conditions may vary significantly from one case to another.

In this way, clients with a lower risk analysis can receive financing offers at an interest rate of 33.20% APR, while those with a higher risk profile can obtain financing offers under much less advantageous conditions. Specifically, credit lines can be approved at an APR 301.34%, that is, interests almost 10 times higher.

In any case, the client is the one who has the last word on whether or not to accept the offer under the proposed conditions, and if he does, he will have immediate access to the funds in order to spend them as he wishes.



As already indicated, the simulator on the dollar loan website is a tool that serves as a guide, but what is valid will be the conditions agreed between both parties to the contract.

The number of installments, therefore, will depend on the monthly amount to be paid. Since the amount of the fee is a fixed amount, if this fee is set at a higher amount than the minimum, the number of installments will be less.

Another variable to consider is the amount that is used, since it is on this that interest is calculated. Withdrawing the approved amount in full implies paying much more interest than withdrawing only part of it. There is also the option of making advance payments with the intention of reducing the impact of interest on the total amount to be returned, and obviously, shorten the terms.

Payments process of loan

Payments process of loan

Payments are automatically collected on the date indicated in the contract and charged to the credit card provided. The minimum monthly payment is 49 USD, regardless of whether early repayments are made, that will always be the minimum charge, reducing in this case the term.

However, when discounting the returned capital there is a factor to take into account, and it is that it is not only the disposition of money that will affect the time remaining to pay. It should also be borne in mind that the capital to be returned can be increased by the numerous commissions that dollar loan applies.

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Loan without bank account verification – Loans without an account http://tapcreative.co.uk/loan-without-bank-account-verification-loans-without-an-account/ http://tapcreative.co.uk/loan-without-bank-account-verification-loans-without-an-account/#respond Wed, 18 Mar 2020 08:07:48 +0000 http://www.tapcreative.co.uk/loan-without-bank-account-verification-loans-without-an-account/

Every fifth person living in Poland does not have a bank account – according to the report published on the website Fine Bank. This number may come as a surprise, especially since we are living in times where cashless transactions are an increasingly frequent phenomenon.

In shops, we pay for purchases with a card, we send immediate transfers to friends or family. Even electricity and telephone bills do not require us to be present at the post office or company outlet. However, research shows that a large proportion of Poles use traditional payment methods.

The lenders, seeing such a large number of people who are not convinced by banking, decided to create a product called a loan without verifying the bank account. This does not mean that people who have an account cannot use them.

Many methods of paying out loans attract a larger number of borrowers. Everyone will find the most convenient option for themselves. We do not need to provide a reason for choosing one of the available methods. As well as choosing one of them does not affect our loan decision.

Loan without bank account verification – how does it work?

Loan without bank account verification - how does it work?

In the age of the internet, we can do anything without leaving home. The most important factor when submitting an application is its verification. Most often this is done by sending a 1gr transfer to the lender’s account.

This verifies the transfer data with the data from the loan application. If they are consistent then the application goes to further analysis. And what should people who do not have an account in any bank do? Well, there are a few other ways to verify the customer without using an account.

In the paragraphs below, we’ve written some of the most popular methods to make a loan without an account easily available. Just select one of them and pass the verification process positively.

A Good Finance check is one way to withdraw a loan without an account. Some lenders offer cash withdrawals that are very popular with customers. Not everyone wants to get a loan for an account for many reasons – they do not have it, they have a joint account with their family, or they care about discretion.

The Good Finance check is an easy and quick way to get a loan and verify your identity. All we have to do is go to the nearest bank branch with an ID card. We receive money immediately after verifying our person.

Loan without verification of the bank account at the company’s

Loan without verification of the bank account at the company

Another method of obtaining a loan without verifying your bank account is a personal visit to the head office of the loan company (company addresses are available on the website). In some cases, we can get a phone call from a loan company, which will show us the nearest address of our headquarters, where we will quickly receive money.

This method is not as popular as others, because in the Internet age many loan companies are not able to serve their customers personally. They do not have an establishment where clients could come and submit an application to the employee.

More and more companies are resigning from stationary branches and prefer to settle all matters with clients online or by phone. A loan without verification of your bank account, if you want to visit the company’s headquarters, can be difficult to get – this is due to the small number of companies with a customer service stationary.

Instant delivery without account verification – home courier

Instant delivery without account verification - home courier

At a time when the Internet was not so widespread, lending companies had their representatives who visited their clients at their homes. Today this situation is also taking place. When choosing the payment of the loan, we can choose the field “courier home”, “loan from a representative”.

Thanks to this, we will receive payday pay without leaving your account without leaving your home. In this case, the loan application is usually submitted by phone. After positive acceptance, the representative makes an appointment with the borrower and delivers cash to the previously agreed place.

Many customers value this method of money collection and identity verification. Instant payments without account verification can be good financial support for people who do not want to leave the house. They prefer to wait until the courier comes with cash to them.


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All about personal credit without proof. http://tapcreative.co.uk/all-about-personal-credit-without-proof/ http://tapcreative.co.uk/all-about-personal-credit-without-proof/#respond Wed, 04 Mar 2020 08:47:08 +0000 http://www.tapcreative.co.uk/all-about-personal-credit-without-proof/

To meet various needs, the personal loan without proof is the ideal loan. It can finance a weekend, interior design, purchase of a vehicle, or even studies. It is a very advantageous credit, because it is able to concretize any project without having to specify it in the contract. Several financial organizations offer this type of credit, either through their agencies or on the internet. To benefit from it, a procedure has been established. In addition, personal credit without proof is easy to negotiate.

What is a personal credit without proof?

What is a personal credit without proof?

It is a form of consumer credit without proof of use for carrying out work, shopping, leisure or other. The conditions for accepting this credit are quite flexible compared to an assigned credit where the borrower must justify the use of the money. To guarantee the creditor institution its repayment capacity, the borrower must have a good profile, because a bad profile could lead to the refusal of the credit.

For this, the records to be provided must be accompanied by pay slips, proof of address and the income tax sheet. In the event of a banking ban, he could not obtain a personal loan without proof. The banking establishment also analyzes its ability to save before giving an answer in principle.

How does the personal loan work without proof?

How does the personal loan work without proof?

The person interested in consumer credit without proof is free to choose from a wide choice of offer. With the advent of the internet, many sites are offering free online simulations. Thus, the applicant can instantly assess the monthly payments, the interest rate, the repayment duration as well as the administration fees. This option allows him to establish the date of his withdrawal, the management of his monthly payments, the suspension of payments of up to three months and the method of reimbursement adopted.

However, the amount borrowed must not exceed 33% of his total income. Following this comparative study, he can choose the one that best suits him and send the necessary files. As soon as the loan request is validated by the lender, the funds will be delivered to the account within 48 hours.

The main advantages of personal credit without proof

The main advantages of personal credit without proof

Personal credit without proof has many advantages. This type of credit mainly favors people in need of money. It gives them the possibility of easily obtaining financing for their needs without having to specify it. Indeed, there is no need to justify the use of credit. In general, bank agencies and organizations grant a very flexible payment, hence the possibility of deferring 1 or 2 monthly payments per year.

If the borrower wishes to settle his loan partially or totally during the loan, the personal loan without proof grants it without penalty. In addition to this, the financial players attribute it a low rate thanks to the market trend. Note that it is to be contracted in a short time except the large sums, because the amount of a personal loan can reach 75,000 $. In this case, the credit period can extend over 5 years.

In case of insufficient cash flow or simply to avoid the unexpected, the use of personal credit without proof is strongly recommended. There are many credit companies that offer various offers relating to this type of credit. You just have to get in touch with a personal loan organization and carry out the online simulation to find out the conditions for obtaining it.

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Mortgage loan: the offer for the first home purchase http://tapcreative.co.uk/mortgage-loan-the-offer-for-the-first-home-purchase/ http://tapcreative.co.uk/mortgage-loan-the-offer-for-the-first-home-purchase/#respond Fri, 21 Feb 2020 08:42:47 +0000 http://www.tapcreative.co.uk/mortgage-loan-the-offer-for-the-first-home-purchase/

Your first home is one of the most important investments for Italian families. The problem is not only choosing the right home but also the financing that best suits your needs and repayment ability. In spite of other categories of workers, employees and public pensioners they can count on a particular loan at subsidized rates. Here’s how it works and what the Government Agency 2017 mortgage offers.

What is the Government Agency mortgage: offer and categories of beneficiaries

What is the Government Agency mortgage: offer and categories of beneficiaries

The Government Agency 2017 mortgage is actually a loan presented by Social Institute. The latter replaced the Government Agency following its abolition and therefore takes on the credit activities of public employees and pensioners.

The beneficiaries of the Government Agency loan are made up of employees and pensioners enrolled in the unitary autonomous management of credit and social benefits. Workers must be able to count on a permanent contract. As part of the requirements, we also find a seniority of registration of at least one year.

Government Agency Social Institute mortgage: up to 300 thousand USD for the first home

Government Agency Social Institute mortgage: up to 300 thousand USD for the first home

The Government Agency 2017 loan has various purposes, in relation to which the maximum amount of the loan is established. The higher figure, that is 300 thousand USD, can be obtained for the purchase or construction of the first house. The house must not be a luxury house from the point of view of the cadastral categories.

Another interesting purpose is represented by the maintenance and renovation of the main house. In the list of admitted interventions we also note the adaptation, expansion and transformation works.

The maximum sum corresponds to 150 thousand USD. In any case, the figure cannot exceed 40% of the value of the home. The Government Agency 2017 loan can also be obtained for the purchase or construction of a garage or parking space. This must be relevant to the main house. The maximum amount is equal to 75 thousand USD.

Social Institute mortgages for employees and pensioners: rate and duration

Social Institute mortgages for employees and pensioners: rate and duration

As far as the request process is concerned, there are specific methods. The dispatch must take place electronically within certain periods of the year, i.e. the first ten days of January, May or September.

From the rate point of view we have two formulas. With the fixed rate, 2.95% is applied, while the variable rate is equal to the 6-month Euribor increased by 200 basis points.

The repayment plan provides for the French calculation. A repayment characterized by deferred half-yearly installments. As regards duration, we have several options: 10, 15, 20, 25 or 30 years. If the applicant is over 65, the maximum duration is 15 years.

First home purchase: the exchange rate option

First home purchase: the exchange rate option

An important advantage presented by the Government Agency 2017 mortgage is the possibility of changing the type of rate. The borrower can, for only once and after the first two years of repayment, decide to change the type of rate by switching from fixed to variable and vice versa

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