With these banks you can get a baby loan at start – up


In the weeks before the start, financial institutions announced they would be ready to accept applications by July 1st. Last week, we learned that there will be no queues at branches, as a 3-year Continuous TB certification can only be applied for on July 1 in district offices and government windows, with a lead time of up to 8 days.

Commercial banks have started to offer credit

Commercial banks have started to offer credit

Today, however, it has also turned out that not all banks have access to baby loans. According to Good Finance, the following commercial banks have started to offer credit, ie we can apply for these financial institutions as soon as they have all the necessary documents and the conditions are met:

There are some financial institutions that are expected to come out with the product in the days to come, such as CIB Bank launching the product on July 8, and UniCredit Bank within days, according to Good Finance.

Many banks only have dates for the second half of the week


It may be more convenient to book a branch at the time of the request, but several banks have indicated that they can only give you the second half of the week.

According to Good Finance’s Capital Observation, there is no queue for a baby waiting at any bank, as anyone who wants to apply first obtains a 3-year Continuous TB certification in district offices, government windows, up to 8 days plus mailing.

Currently, there is only one financial institution that can apply for a loan online, Goodbank. Here the documents are uploaded via the net, the bank branch only needs to be visited after the successful conclusion of the contract.

But why is it important which bank has a baby room?


As stated earlier, it is not at all important for which bank to apply for a baby loan, since credit assessment is a banking competence. The biggest differences are in income expectations. While there are financial institutions where we can raise $ 10 million with just a minimum wage certification, other banks may have net income of up to $ 150,000.

With Good Finance’s bank-specific baby waiting calculator, we are the first in Hungary to look at what bank income we have. The calculator is available at the Good Finance / Bavaro-loan-calculator link. If all is well and we have verified our eligibility, you may wish to pre-register with the bank for the details and then obtain the necessary documents.

What are the pros and cons of a credit card? | Cheap Loan

You don’t always think about it, but a credit card is also a loan. Credit, the word says it itself. Those who have been on holiday undoubtedly know the benefits of a credit card. But are there also disadvantages associated with, for example, a VISA or Mastercard?

A credit card is a payment card in which your payments or cash withdrawals are not immediately debited from your account, but are usually settled at a fixed time in the month. The issuer of the credit card, usually your bank, therefore gives you money for a short period. But not only banks sell credit cards. Large companies also often issue their own credit card, such as supermarket chains or airlines. Regardless of who you take a credit card with, you must sign a credit agreement anyway. So carefully read the information sheet and the conditions of your contract before you sign.

Credit cards work just like debit cards (Maestro, Bancontact / MisterCash) with a payment system. For credit cards, these are, for example, VISA, Mastercard or American Express. Where Belgian debit cards can only be used to a limited extent outside Belgium and Europe, credit cards are accepted by many traders worldwide. You can use the credit card for:

  • payments (Always request proof of the transaction.)
  • Payments remotely (By telephone or the internet.)
  • withdrawals at ATMs (note, this costs money.)

A credit card is accepted in many places, both in Belgium and abroad. If you handle it with care, it is a relatively safe payment method. After all, with a credit card you need less cash in your pocket. The advantage of a credit card is that you only have to pay for your purchases and withdrawals after a certain period. You get credit for a while, as it were. With a credit opening you can also spread the payments from your settlement over time. You do pay interest for this. Like any form of borrowing, the credit card also has a number of disadvantages. Contacting money with your credit card is expensive and only advisable in an emergency situation.



A credit card is reasonably susceptible to fraud, although extra measures have recently been taken to reduce fraud susceptibility. The pin code associated with the credit card, a credit card chip and the option to block your card immediately are examples of this. Those who are careful do not leave their credit card lying around and never give it to anyone else. Keep your pin code secret and do not write it down anywhere. Learn the code by heart. If your card is lost or stolen, have your card blocked immediately by calling Card Stop on 0032 70 344 344. And report the theft to the police station.

Apply for a credit card

Apply for a credit card

A credit application is easy to arrange. Of course it is wise to first compare the various credit cards, providers and options with each other before you make a choice. The application process usually takes 2 weeks because credit card providers work according to a certain procedure that takes some time. A NBB test is always carried out with the application. It is therefore not possible to obtain a credit card when you have registered debts. A solution for this is a prepaid credit card.
Start your application for a credit card here!

Bank already pays interest to some clients who have mortgage loan


Welcome to a new era of finance that breaks centuries of history and destroys all textbooks on basic principles of economics and finance. Begin to keep in mind that in this new era courtesy of the “nuclear” monetary policy of the Central Banks, you pay for having money and you are charged for borrowing.

This is the testimony of one of his “lucky” clients


The story was published yesterday by the Wall Street Journal. Goodbank has begun paying interest to some of its clients who contracted their mortgage in Swiss francs. This is the testimony of one of his “lucky” clients:

“I am going to frame the extract I have received where Goodbank pays me interest on my mortgage loan. This is financial history. ”

Mortgage whose interest rates were referenced to the Swiss Franc 


The client contracted with Goodbank in 2006 a € 500,000 mortgage whose interest rates were referenced to the Swiss Franc Libor + 0.5 points. Since then, the recent entry of the Swiss Franc Book in negative territory (something never seen in history) has caused Goodbank’s client to start charging interest for having a € 500,000 debt with the bank.

Obviously the move to this client, in the case of not having covered the exchange rate of the Swiss Franc with the Euro, it will not have gone very well for the appreciation of the Swiss currency, but it is a sample of the difficulties in which it can get European banks if Draghi’s QE continues to push down the profitability of the debt.

Measure to encourage credit and help bank

Measure to encourage credit and help bank

What in principle is a measure to encourage credit and help banks to sell their sovereign debt portfolio with high returns can, if they follow the current trend, produce totally opposite effects, putting the entire banking business model in check.

And it is, above all, a sample, that the current monetary policy is turning upside down any centuries of financial common sense taking us directly to a territory never seen of unexplored consequences.

Why prefer to go to a credit broker rather than a bank for a loan?

Do you need a mortgage loan, a consumer loan or a loan for your car? In short, you need to take out a loan!

But is it better to trust your bank or a credit broker?

But is it better to trust your bank or a credit broker?

What are the differences between a credit broker and a bank for a loan? When you use a bank, you do not have much choice. The advisor will only offer you the financial products sold by his bank. The bank will always put its interests before yours. Unlike the credit broker, which is independent, as is the case at Credilend. We will never push you towards a financial product over another. Not having our own products, we have no interest in promoting certain credits. We act as intermediaries between different financial institutions and therefore compete. We offer different financial products from several different organizations that we have selected based on the best rates and benefits for your situation.

Are there any other reasons to choose a credit broker?

Are there any other reasons to choose a credit broker?

We take care of you personally. It is also a second advantage to use a credit broker. You will benefit from a personalized approach. We analyze your needs and your personal situation in order to offer you solutions adapted to the loan conditions as well as your own expectations.

So, in summary here is why you have to opt for a credit broker rather than a bank for your credit application?

So, in summary here is why you have to opt for a credit broker rather than a bank for your credit application?

Thanks to the credit broker:

  • Benefit from objective advice
  • Play the competition for the best conditions
  • Benefit from a personalized follow-up and offers adapted to your needs
  • Your request is processed within 24 hours

Are you convinced that you need a credit broker rather than a bank for your loan application? Get in touch with us without delay or discover our different formulas by browsing the pages of our site. You can also apply directly online or make a simulation. It’s free and without obligation so do not hesitate!

Micro loans or personal loans: what is best for your business?

money loan


Both micro loans and personal loans can offer entrepreneurs a quick way to raise cash for their businesses. These sources of credit have several characteristics in common. You do not have to go through a complicated process of reviewing your credit or providing tons of documents to obtain either a microcredit or a personal loan.

In addition, these loans generally must be repaid relatively quickly.

In addition, these loans generally must be repaid relatively quickly.

However, there are also differences. Usually, an entrepreneur will use the funds of a microcredit for commercial purposes. A personal loan, however, can be used for virtually any purpose. Of course, you can also use it for your business.

Let’s examine these two types of loans in detail and see which one suits you best as a business owner.

A micro loan is a commercial loan for an amount that could be between $ 5,000 and $ 50,000. Some financial institutions provide microcredits for even smaller amounts. If you have started your business recently or have difficulty raising capital in larger amounts, a microcredit can provide you with the funds you need.

A personal loan is different. When you apply for this type of loan, the lender will probably not make a credit decision based on the performance of your business or the cash flows it generates. Instead, the financial institution will consider two other factors: your personal credit and your personal income.

If you have a poor credit score or an income level that does not meet the lender’s requirements, you will be less likely to get a personal loan.

Here is a list of the main features of these two types of loans:

Micro loans

⇨ Micro loans are generally for a sum of up to $ 50,000. The average amount of a microcredit is $ 13,000.

⇨ Microcredit funds can be used for working capital, equipment purchase or inventory purchase. Micro loans can also be used for other commercial purposes.

⇨ The interest rate of a microcredit is usually higher than the rate of a regular commercial loan.

⇨ The lender may require collateral, both in the form of your company’s assets and personal assets.

⇨ These loans are aimed at borrowers who require few funds.

⇨ A personal loan can be used for almost any purpose. The lender will not monitor how you use the funds it provides.

⇨ These loans generally do not require you to present collateral.

⇨ If you have a low credit score, your personal loan application is unlikely to be approved.

⇨ Personal loans generally do not exceed $ 50,000. However, it is possible to obtain a loan for a sum that is significantly greater. You could even get a $ 100,000 personal loan: it depends on your income level and your credit score.

⇨ Interest rates on personal loans can vary from 5% to 23% or even more. The rate will depend on your credit score.

This diagram will help you compare the characteristics of a personal loan with those of a microcredit:

When should you use a microcredit and when should you use a personal loan?

money loan

If your business needs funds quickly to cover an unexpected expense, should you use a microcredit or a personal loan? To answer this question, you must consider several factors.

As a general rule, it is not a good idea to treat your company’s money and your own funds in a similar way. Mixing your personal finances with those of your company is risky and you should avoid it as much as possible. If you use a personal loan for your business, the complications may be even greater.

There is another angle to consider. If you opt for a personal loan to invest in your business , the funds you can get may be limited and may not cover the amount you need. This is because the lender will set the personal loan limit based on your personal income and your credit score, and not based on your company’s potential.

Here are some scenarios in which a microcredit would be preferable to a personal loan for your business.

Use a microcredit when:

⇨ You need a small amount for your business and you are sure you can return it in a few months.

⇨ You want to build your business credit history .

⇨ You do not qualify for a traditional loan from your bank.

Use a personal loan when:

⇨ You have a high credit score and sufficient personal income.

⇨ Your business is new and you cannot provide the lender with the documentation requested for a commercial loan.

⇨ You are confident that you can separate your company’s income from your personal transactions when the time comes to prepare your financial statements.

So what is the best option as a small business owner?

small money loan

If your company requires funds as soon as possible to buy inventory or to upgrade its equipment, a microcredit from Pabanelas Financial could be your best option. The evaluation procedure we use for our borrowers has been designed following our motto: We do not close the doors to any business. Our requirements are more flexible than those of most lenders.

It’s easy to qualify for a microcredit from Pabanelas Financial:

⇨ We do not request a minimum credit score (VICO).

⇨ Even applicants without a credit history can receive a loan.

⇨ If your company has been established recently you could qualify for a loan from Pabanelas Financial: you must have been operating your business for only nine months.

⇨ Your annual gross sales must be at least $ 30,000.

⇨ We do not ask for a guarantee.

We offer micro loans for sums of up to $ 75,000, and there are no penalties for prepayment if you wish to repay your loan earlier than agreed.

If you need funds for your company, request your loan with us now. Completing the form will only take a few minutes, and you will know immediately if you prequalify. Soon after, one of our loan specialists will contact you to guide you through the loan process. You could have the funds you need in a matter of days!

Main requirements to apply for a credit online

credit card application

The current pace of life, coupled with the situation of economic crisis and job uncertainty , are sufficient ingredients so that in our country there are many people who have real problems to reach the end of the month or, worse, they cannot do face the unforeseen expenses of the day to day and they are lost before a problem of financing.

Under this context, many people turn to their financial institutions to request traditional credit lines , and they face the problem of presenting requirements , such as a guarantee, a payroll, the payment of insurance that cannot be assumed because they are without work or because of the instability of your salary, and a long etc.

In this sense, one of the solutions that we can use to get out of this situation is to apply for an online credit in private financial institutions such as William Tell. With us, you can obtain the amount of cash you need in less than 24 hours, having the possibility of returning it comfortably in several installments with the interests established by the borrowing entity and the amount chosen when requesting the loan.


What are the requirements to apply for a credit online?

apply for a credit online?

Depending on the financial company in which the online credit is requested, the requirements vary. For example, those of William Tell are the following:

  • Reside in Spain
  • Age between 25 and 70 years .
  • Presentation of DNI / NIE or valid passport.
  • Positive credit history
  • Have an account number and a mobile phone number .
  • Being able to repay the loan amount within the established term.
  • Fill in the application form , providing all the necessary information and documentation.


Main advantages of online credits

Main advantages of online credits

The main advantages that online loans have over traditional banking and the ability to obtain urgent money are the following:

  • They allow to obtain fast, safe and simple financing .
  • Request your credit online from the comfort of your home, from your mobile or computer.
  • Maximum comfort: they can be requested in a few minutes and without leaving home. In addition, they can be returned in convenient terms.
  • No paperwork: No endorsements or payroll. With just the DNI and bank account number.
  • Instant financing up to € 2,500. If your loan is approved, you will receive the money quickly and directly in your account within 15 minutes and 48 working hours.

Do you think that the success of online credits is due to its main advantages and the flexibility of its requirements? Tell us your experience.


Bank Mortgage – Calculator


Mortgage from Onecredit Bank

Mortgage from Onecredit Bank

Onecredit Bank’s mortgage is one of the proven ways to comfortably and quickly finance future housing. Mortgage loan with fixed and variable interest rates. So it is up to you how you set up your new home loan.

Onecredit Bank Mortgage comes with a long maturity and drawdown of the provided amount and last but not least with a sufficient financial background. Ideally, this achieves up to 90% of the value of the property you choose, whether for purchase or construction.

You can manage it through Internet and mobile banking, giving you a constant overview of your commitments. You can calculate a low-interest mortgage loan at peace using an online calculator.

Table of installments

Table of installments

Amount of mortgage Property value Repayment period Length of fixation Interest rate APR Amount of monthly installment  
200 000 CZK 500 000 CZK 5 years 3 years 2,22% 3.18% 3 525 CZK I am interested in
2 500 000 CZK 3 500 000 CZK 20 years 3 years 2,22% 2.26% 12 910 CZK I am interested in
CZK 3,000,000 4 500 000 CZK 25 years 3 years 2,22% 2.26% 13 040 CZK I am interested in
6 000 000 CZK CZK 8,000,000 30 years 3 years 2,22% 2,25% 22 844 CZK I am interested in

Mortgage amount: 200 000 CZK Property value: 500 000 Kč Repayment period: 5 years Fixation period: 3 years Interest rate: 2,29% APR: 3.26% Monthly installment: CZK 3,531 I am interested in Mortgage amount: 500 000 CZK Property value: CZK 1,000,000 Repayment period: 10 years Fixation period: 3 years Interest rate: 2,29% APR: 2.51% Monthly installment: CZK 4,666 I am interested in Mortgage amount: 2 500 000 CZK Property value: 3 500 000 Kč Repayment period: 20 years Fixation period: 3 years Interest rate: 2,29% APR: 2.33% Monthly payment: 12 994 CZK I am interested in Mortgage amount: 3 000 000 CZK Property value: 4 500 000 Kč Repayment period: 25 years Fixation period: 3 years Interest rate: 2,29% APR: 2.33% Monthly payment: 13 144 CZK I am interested in Mortgage amount: 6 000 000 CZK The value of the property: 7 500 000 CZK Repayment period: 30 years Fixation period: 3 years Interest rate: 2,29% APR: 2.32% Monthly payment: 23 058 CZK I am interested in Representative example: Use Onecredit Bank Mortgage of CZK 2,000,000 with a fixed interest rate of 10 years. Spread its maturity to 300 months. In this case, you will receive an interest rate of 2.62% and an APR of 2.67%. You will have the following one-off costs – lien in the land registry 2 000 CZK, verification of signatures 30 CZK and granting a loan 2 900 CZK. The monthly installment will be CZK 9,094. Together you will pay the amount of 2 736 197,24 CZK.

Advantages of a mortgage:

Advantages of a mortgage:

  1. Onecredit Bank Mortgage will provide you with a financial amount of up to 90% of the value of the property.
  2. Even with a one-year fixation, you can get a very attractive interest rate starting at 2.22%.
  3. You can schedule your monthly installments on your own, thanks to a long maturity of up to 30 years.
  4. The Onecredit Bank mortgage can be used for the next 12 months after the contract is signed.
  5. There is the possibility of extra slices that can be paid at 100% of the loan.
  6. The fixed interest rate is relatively variable and presents a time period of 1 – 10 years.

Disadvantages of mortgage:

Disadvantages of mortgage:

  1. With Onecredit Bank Mortgage, you can only finance housing-related items. If you would like to invest in other areas, you must use the Mortgage DUO.
  2. You cannot make an early repayment as you please. This step must always be reported to the bank within 10 days prior to its implementation.
  3. Low interest rates relate to loans with insured ability to repay and up to 80% of the value of the property.

Mortgage conditions:

Mortgage conditions:

  1. Minimum age of the applicant is 18 years
  2. Valid identity documents
  3. Documents from real estate
  4. Sufficient creditworthiness

Mortgage insurance options:

Mortgage insurance options:

  1. MP A – insurance of death and incapacity for work
  2. MP B – insurance of death and disability III. degree