Comparison of fast loans and online loans

We compare the best fast loans and online loans on the market.

We compare the best fast loans and online loans on the market.

At Credito Now we make available to all our readers an analysis of the best fast loans and online loans that you can hire in the Spanish market through the internet. In Credit Now, you will find a variety of financial products to request urgent money online. In these financial products we can include online loans, mini-credits or urgent loans with which you can request up to $ 40,000 through the internet in just one click. The financial experts of the credit comparer “Credit bank” have also analyzed the fast credits with Financial Credit Institution for those people who are in a file of unpaid debts.

Where can I request a quick credit?

Where can I request a quick credit?

Thanks to the technological advancement of recent years, getting urgent money in Spain is much more comfortable and easier than it was a few years ago. One year ago, getting a bank loan was done through banks, this process was slow and tedious since you had to physically go to the entity and present the necessary documentation. Nowadays, requesting urgent money through the internet is very accessible to all of us and it is much easier than you think. In just a few minutes, you can have the quick money you are looking for.

Very wide variety of financial services 

Very wide variety of financial services 

Currently, there is a very wide variety of financial services to get money through the internet. Choosing a quick credit or another will depend on the amount of credit we are looking for and our type of financial and personal profile.

From Credit bank, the comparator of fast loans and online loans, we show you the different alternatives that currently exist to request information:

  • Mini-credits, quick loans and urgent loans : This type of financial company grants small amounts of money very quickly and easily through the internet. The maximum amount of these quick loans is usually $ 1,200 for cases in which it is not the first time that you request a quick loan with the entity. For new clients, the amounts usually range from $ 50 to $ 300 credit. These types of promotions are very common to attract new customers. The fast money return terms are usually very short, usually they do not usually exceed 30 days.

 

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Advantages that I have if I am an owner and request a loan

 

In the country, having a home in property has been part of our DNA and continues to be so today.

According to the latest data from the National Statistics Institute, 77.5% of households were owned by households during 2016. It is evident and undeniable that despite having lived through a financial crisis in which the “brick” became a nightmare for many, having a property in property is still for most people a very valuable asset. Not only because it represents the possibility of being able to obtain a return through its rental or sale, but the property itself can open the doors of a loan to us that we might not otherwise have access to.

Home Equity Loans

Home Equity Loans

We are talking about those financing options whose payment guarantee is the property we own. This is a viable option even with those apartments, houses or commercial premises that are already mortgaged as long as the outstanding capital of the first loan is assumable with the new mortgage.

When obtaining financing –for any need– becomes a real challenge, the home equity loan is a very interesting alternative to consider. Having a home owned gives real financing options. Although it must be borne in mind that it is not the ideal option for small quantities or for those who do not recur at the end of the month, it is very useful for higher amounts, from around $ 5,000 and for specific situations of lack of liquidity.

Financing with a property owned as collateral has very positive aspects, such as that it does not imply the hiring of related products, unlike what usually happens with other types of mortgage. In addition, a very important point for many applicants is that it allows access to financing to those persons who are registered and unpaid lists. Thus, a fact that usually represents a direct barrier to credit, in this type of financing does not have to be.

Property owned, whether it is an apartment, a house, or also a commercial premises, therefore, opens financing possibilities, even for high amounts, reaching up to $ 300,000 with the possibility of establishing long repayment terms, –up to 20 years, or repaying the loan at one time when the house is sold, paying much less interest.

Responsible financing

Responsible financing

Home equity loans require responsible use. As in any financing method, it is important to have highly valued our present payment capacity and to foresee, as far as possible, our future payment capacity.

As with any financial product, it is essential to know how the loan works and put yourself in the hands of expert professionals who comply with all legal requirements and who are also committed to working with a code of good practice. In this sense, we guarantee the transparency and legality of all its operations and more than 2,000 clients in the country have already trusted its services.

How to apply for online early loan termination

How to pay off an ongoing loan

How to pay off an ongoing loan

In times of economic difficulty, applying for a loan may prove to be a forced choice, however it often happens that whoever has a loan in progress chooses to pay it off before its natural expiration. In this study we will see how to submit an Government Agency loan early repayment request.

Even if these are products characterized by interest rates at favorable conditions, paying off an Government Agency loan is always an advantageous solution. This is because the extinction of a loan involves the closure of the contract and the lender cannot request the application of interest on the residual debt paid for the early repayment.

But how to apply for an early repayment of an Government Agency loan? To proceed with the extinction it is necessary to use the special online service on the Social Institute website. To access the service it is necessary to connect to the inps.it site and from the home page click on the link All services, at the top left.

From the page where all the services accessible from the Social Institute site are present, it is necessary to filter the results by theme by choosing the Loans item. The service to be used for the early termination of the Government Agency loan is called Public Employee Management: Services for Workers and Pensioners.

Once authenticated with the Social Institute Pin, the user has the possibility to choose from a wide range of services. Among these we find the one called Loans – Early Redemption Application.

The Pin Social Institute

The Pin Social Institute

As already mentioned, in order to use the Social Institute service for the early repayment of the Government Agency loan, you must be in possession of the Social Institute Pin. Code that allows the Institute to uniquely identify the member and necessary to access the Social Institute services.

Those who do not yet have the PIN can request the code at any Social Institute office, or by using the online service on the Social Institute website.

Finally, remember that the procedure we saw in the previous lines can be used for both small loans and multi-year loans. In this regard, we remind you that small loans make it possible to obtain small sums with which to cope with sudden expenses, while long-term loans are designed to face important expenses.

First home loan mortgage installment

It is of primary importance, for each loan, to ascertain what are the costs, rates and value of the installment. Then when we are dealing with a first home loan, or a product with very high amounts, the insights must be even more accurate: calculate Government Agency first home loan installment online, here are all the instructions to find out your amortization plan ex Government Agency.

The steps to perform the calculation of mortgage these are the indications

The steps to perform the calculation of mortgage these are the indications

The simulation of the repayment plan is certainly among the most requested operations by users. The advantages are obvious, you can know the actual sustainability of the financing.

You can therefore understand if it is the loan you really need or if it is a proposal that does not adapt to your profitability. And if this is true of all loans, it is even more so when we are dealing with mortgages.

Calculate mortgage payment Government Agency first home: what to do to start the calculation? Start from the home), go to “All services”, the link can be found in a rectangular box at the top of the page, as you can see in this image.

The service for performing the calculation is called “Public Employee Management: Mortgage Amortization Plan Simulation “. You can find it by browsing the various services or using the different tools that operate as a filter.

Calculate Government Agency first home mortgage payment with simulation. In the simulation process it is required to insert various inputs, inherent to one’s own calculation. You will need to specify, for example, the type of interest rate, the value of the home, the duration, etc. What you will get is a table similar to the one below.

You will then have clearly and simply indicated the aspects determining the repayment and then you can compare this product with other first home mortgages.

Learn more about ex Government Agency mortgages

Learn more about ex Government Agency mortgages

If you want to get in touch with the National Social Security Institute, you can use the Contact center : just use the number 803 164, for landline calls, and 06 164 164, for mobile calls.

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  • How to carry out mortgage calculation Government Agency amortization simulation

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How To Find 100 Percent Mortgage loan And Who Delivers Them In 2019

What are 100% mortgages and how they work

What are 100% mortgages and how they work

Buying a home usually corresponds to taking out a credit line. When it comes to home loans, however, there are generally products that finance a maximum of 80% of the property’s value. Situation which presupposes the presence of liquidity by the applicant. However, this does not happen with 100% mortgages, which completely finance the purchase.

Although obtaining 100% mortgages is not easy, more and more banks and financial companies are proposing solutions of this kind. These are products that have the purpose of facilitating troubled borrowers in accessing credit.

Usually 100% mortgages are dedicated to young people under the age of 35 to young couples. Subjects who cannot count on a particularly solid economic situation, due to the economic crisis. But let’s see in detail how these loans work.

Pros and cons of the 100% mortgage

Pros and cons of the 100% mortgage

It is a practice that in order to obtain a 100% loan, the applicant signs a guarantee in addition to the mortgage loan. The latter serves to cover the share of financing (20%) for which the classic mortgage loan does not intervene by providing for a maximum limit of 80% of the real estate value.

In concrete terms, this entails the need for the borrower to find a guarantor. Person who undertakes to guarantee the repayment of the installments in the event of insolvency by the beneficiary. Interest also applied, usually higher than that expected for a classic 80% mortgage.

Single Loan and Best Bank 2019 mortgage offers

Single Loan and Best Bank 2019 mortgage offers

Among the 100% mortgage offers on the market we find Best Bank. It is a mortgage dedicated to under 35 year olds. The product is called Mutuo Giovanie, it allows to obtain very low initial installments, composed exclusively of the interest portion.

Over time, the installments increase in amount, the increase is expected after about 10 years and involves adding the share of the capital to the interest.

Unicredit instead offers 100% mortgages dedicated to subjects up to 40 years of age. Loans that provide for the activation of the facilities provided by the Guarantee Fund for First Home Loans. The fund allows categories of applicants in difficulty to obtain 100% mortgages for amounts up to 250 thousand USD. However, it is necessary that the mortgage has been signed for the purpose of purchasing and renovating the house or for energy efficiency measures.