What is the zero interest rate loan?


The devices and bank loans are numerous for those who wish to invest in real estate. The zero-rated loan or bank loan is by definition a support mechanism for the homeownership of households and households with modest incomes. bank loan is means-tested if you have not owned your principal residence in the last two years. It is an interest free loan hence its remarkable notoriety for first time buyers. It’s part of what’s called regulated lending .

Which operations are eligible for bank loan?

One often thinks of the purchase of house but the bank loan is quite usable and operable for the construction of a new housing provided that its destination is the principal residence of the subscriber. THE loan itself can finance a maximum of 40% of the operation in new housing that you must complete with one or more loans from a financial institution , a bank or a personal contribution. Indeed, the rarer case, the personal contribution can be associated with the bank loan alone.

In the case of a so-called old property, while you also need to undertake renovation work representing at least 25% of the total cost of the operation , the zero-rate loan is also operable. This advantage for the works corresponds to the creation of additional living space or the modernization of the dwelling in question. Remediation or development of living space or energy saving works are included in this type of financing opportunity.

Obligation: For this to work, you must provide the lending institution with a certificate of honor and a quote for all the works.

Transforming a new or old premises is also possible with bank loan financing, but to deliver it, the financing bank must rely on the reference tax revenue shown on the tax notice.

What are the resource conditions for obtaining a zero rate loan?

What are the resource conditions for obtaining a zero rate loan?

The income conditions the maximum amount of the loan. They are based on ceilings, the composition of the home and the area where the property is purchased. In 2017, the amounts ranged between € 60,000 and € 138,000 . The smaller the household, the longer the loan period can be extended, which is particularly significant. Of course, the higher the household or household income, the shorter the loan period. The duration ranges from 20 to 25 years depending on the case and includes two periods to be distinguished which are:

  • The 5-year, 10-year or 15-year grace period that allows the bank loan not to be reimbursed but the associated loan (s) that the bank has granted;
  • A repayment period of bank loan variable from 10 to 15 years.

Apply for a zero interest loan

All financial institutions and banks now offer zero rate loans . Whatever happens, and as with any conventional loan, the bank that examines your financing record observes the solvency and repayment guarantees that the subscriber can offer. Here as for any loan, the bank is not obliged to grant the bank loan although it has a particular interest in selling this type of loan since the guarantee is state .


Loans for pensioners with a pension assignment of one fifth

If you are a pensioner and want to apply for a loan, you can opt for the fifth sale of the pension , the regulatory discipline of which is the DPR 5 January 1950 n. 180 , and the related implementing regulation, the Presidential Decree of 28 July 1950, n. 895. According to the legislative decree contained in article 1260 of the Civil Code, the assignment of credit is a contract through which the credit right of a subject is transferred to a third party, who takes over the availability of the right of collection against the assigned debtor . So we’ll have:

  • transferor : the creditor who assigns his right;
  • transferee : the third party to whom the credit is transferred;
  • sold : the debtor.

Juridical institution that regulates the relationships between subjects according to the circulation of wealth can be free of charge or for consideration (with the payment of a fee), even without consent from a debtor, to the exclusion of strictly personal credits or whose transfer is expressly prohibited by law. Laws 311/2005 and 80/2005 intervened to supplement the aforementioned Presidential Decree 180, providing in particular for the right to a fifth assignment for employees of private companies and for pensioners.

Cession of the fifth for retirees: how it works

Cession of the fifth for retirees: how it works

Like the personal loan contract, the salary-backed loan is a fixed-rate loan product with repayment in constant installments but, with the difference that the repayment of the debt repayment installments is not made by the applicant but by his employer of work (or from the social security institute in the case of pensioners ) and the relative amount is automatically and directly deducted from the net in the pay slip (or from the pension slip). The employer or the pension fund is the person appointed to pay the installments in favor of the bank or credit intermediary that has provided the loan.
We are talking about a salary assignment since the amount of the repayment installment cannot normally exceed the fifth part of the monthly net salary or pension (cannot exceed 20%).
In some cases and practical cases, in order to increase the sum paid, it is nevertheless possible to arrive at a maximum rate of two fifths of the salary or pension (the law allows the transfer of a maximum of 40% of the net salary by two installments of 20% each); in this case, in addition to the fifth assignment contract, the delegation of the payment must also be signed, which commits another fifth of the salary or pension.

Assignment of the fifth: who can request it

The signing of the contract of sale of the agreement can be requested by:

  • public or state employees;
  • private employees;
  • retired from private and / or public work.

In the case of private and public employees, the contract must be for an indefinite period and there is also a minimum length of employment, which varies according to the insurance company that provides the policy: the Insurance Coefficient (also called the severance indemnity / severance fund ratio) is a number assigned to each private company by the insurance company that guarantees the employment risk.
As a rule, even the company where the employee works must meet certain eligibility criteria (for example, a minimum number of employees, a share capital exceeding a set minimum, etc.).

The loan with one-fifth of the pension can be requested by both private sector pensioners and those in the public sector previously registered with INPDAP. Following the integration between the two social security institutions, in fact, INPS is currently dealing with the provision of pensions and loans for public pensioners.

Assignment of the fifth for retired persons: what to present and repayment of obligations

To access the loan with a pension transfer entitlement, the applicant must submit a request to a bank or a financial company, indicating the desired amount – which can reach up to € 60,000 – with a valid identity document and the pension slip. After requesting the pension insurance to be communicated to the pension institution, the applicant may, subject to the creditworthiness assessments , immediately obtain the loan always granted with a fixed interest rate. The repayment of the loan is automatic: the INPS is to retain the portion of the pension transferred and to pay the monthly installment to the credit company.

Loans for young people


Waivers for 18 years – where will I borrow the most?

Waivers for 18 years - where will I borrow the most?

The highest amount of the loan is offered . Apply for 6000 PLN and pay the loan for up to 65 days! Most importantly, the first minute is free. The borrower does not have to worry about costs. He gives back exactly the amount he has received on the account. Slightly smaller amount is proposed . In the case of this company, you can apply for 5000 PLN. The crediting period is 35 days. In turn, Lime Kredyt has the first loan for young people up to PLN 3250 for 30 days. When searching for a suitable financial product, it is also worth checking the ratios’ rankings or the rankings of installment loans.

The non-banking sector offers also short-term offers for 19 years. Quick decision, transfer to your account – borrowing is simple and convenient.

Waitors for 19 years propose:

  • Plus loan – a minute for young people up to 2000 PLN with APY 0%. The debt should be repaid within 30 days,
  • Smart Loan – the first loan for young people for free in the amount of PLN 2,000. The loan period is 30 days,
  • Financial Meals – a fast loan from the APRC 0% in the amount of PLN 2000 and repayment time up to 30 days,

How to take a break from 18 years?

Applying for a loan for young people is extremely easy! After selecting a credible lender, he must complete the formalities required by him.

They divide only four steps from the time lag:

  1. Specify the amount of the loan and the amount of time you intend to pay it back.
  2. Fill out the form with the basic data.
  3. Verify your identity in the manner indicated by the lender.
  4. Wait for the credit decision and the loan money.

The credit procedure is fast and uncomplicated, and most importantly – it is 100% online. You do not have to leave your home to get cash on your account. Money can be used in any way – just meet a few conditions. It is also worth

Who can take advantage of a loan for young people?

Who can take advantage of a loan for young people?

Age is not the only condition that the lender puts. In order to receive a payment for 18 years, several other requirements have to be met. What?

Payment terms from 18 years:

  • Polish nationality,
  • permanent address of residence in the territory of the Republic of Poland,
  • fixed income (you do not need to show income statements!)
  • creditworthiness,
  • active mobile number,
  • personal bank account in one of the Polish banks.

The key criterion is creditworthiness. The lenders accept various forms of employment, including the contract for the work and the contract of mandate, as well as the income from family benefits. Loan companies have a flexible approach to granting loans and adapt to the situation of clients.

Debt consolidation 65,000 euros with immediate approval

Many consumers borrow for credit and often lose track of it. The installment payments in the mail order business threaten to outrun. What do many consumers then ask themselves? In such a situation, a consolidation 65000 euro appears to be a meaningful affair. Finally bring order back into the finances, only to pay a credit to a creditor, finally have air up again.

Anyone who decides to reschedule 65,000 euros should take a loan comparison before that. Borrowers can save money with the comparison. The credit comparison of Smava provides borrowers with all the important information and is also free and without obligation.

How useful can debt consolidation be?

A consolidation 65000 euro is always useful if the debt of the borrower outrage, if the due credit installments falter. A consolidation can replace expensive old loans and all other liabilities that are still outstanding.

Cash borrowers save money when they make a loan comparison before consolidation. This will compare different providers. Many borrowers simply borrow money without first testing how expensive they are. Generally, a consolidation 65000 euros should only be made if it significantly relieves the budget.

The expensive credit line should primarily be included in debt consolidation

Especially the expensive Dispo is a cost trap by excellence. Banks often charge up to 15% interest. If you then overdraw the approved limit, you can expect further costs. For borrowers, this means that they can no longer pay the expensive discounts, because the interest is too high. If it comes to further unexpected bills, the dilemma is perfect. If you bring the conditions for a consolidation, you can get out of this dilemma by taking the expensive loan into the debt consolidation 65,000 euros.

But then the Dispo should either be completely removed or reduced. Anyone who decides to make a loan comparison and is looking for an online lender, can expect a favorable debt consolidation, provided that he can meet the conditions of the provider .

What are the credit requirements for consolidation 65000 euros?

First, borrowers need to have sufficient and regular income. The should have no negative entries, which could lead to the rejection of credit. A permanent job that has been in existence for six months is assumed. It should not be limited in time and should not include a probationary period. If these conditions can not be fully met, the borrower can increase their loan opportunities with collateral.

That can be a mortgage on a property. But also life insurance with a high repurchase value are considered as security, as well as savings. If you do not have that, you can increase your chances with a solvent second borrower or guarantor. Both people should know, however, that a sufficient and secure income is important.

Credit offers from the credit comparison for 84 and 120 months
Loan for free use 
Term 84 months = 7 years 
The Targo Bank occupies first place with an interest rate of 2.45% to 8.49% and a loan installment of 842.06 euros. 
Term 120 months = 10 years 
First place Creditplus Bank with an interest rate of 3.99% to 10.99% and a loan of 655.59 euros.

Last seated comparison 
Duration 84 months = 7 years 
The last place is occupied by Extrakredit with an interest rate of 9.95% to 15.95% and a loan installment of 1,063.13 euros. 
Term 120 months = 10 years 
Also this place occupied extra loan with an interest rate of 9.95% to 15.95% and a loan of 841.91 euros.

These few examples show how the interest rate and the term change the credit rate. Therefore, borrowers should make a credit comparison before each debt consolidation 65000 euros. You can save money with it. Those who opt for a long term, who pays a low loan rate, but the interest rate increases. On the other hand, if you choose a short maturity, you pay a higher loan installment, but you have a low interest rate. In the end, however, income determines how high the loan installment is.

Note the notice periods

Anyone who is interested in a consolidation 65000 euros should keep in mind that he should be replaced with old loans, the notice periods are observed. For a variable rate loan, the notice period is three months. In the case of committed loans, the end of the fixed interest period is regarded as the period of notice. Only when these appointments are over, the contract can be dissolved. Terminations must always be made in writing.

Borrowers should also bear in mind that if a loan has just been closed recently, it will not come out of this contract until six months have elapsed. For example, consolidation does not seem sensible for recently raised loans.

A tip for the borrower: If you want to apply for a consolidation, you should also indicate this with your bank. Otherwise banks are then of the opinion that a new loan is desired.

Microloans without endorsements

One of the main problems we have in terms of our finances is that we can not count on a bank to back us up if we need urgent money … especially if we do not have the necessary guarantees. Do not worry … we have the solution: Microloans without guarantees and without checking income . Yes, as you have read. You do not have to bother your brother, your father or your best friend to become your guarantor.

That person who by contract commits himself in the event that you can not pay off the debt should not only be of absolute confidence but also believe in you. This does not mean that your loved ones believe that you are not capable of returning money but that you know what your economic situation is like and perhaps they are afraid of suffering the consequences of your financial problems.

This is the case because in the event that the loan holder (that is, you) can not pay who will have to do it, it will be the guarantor. That is why nobody wants to endorse others. It is easy to understand since we are not in good times.

More and more entities are lending money without endorsement taking into account this new financial profile that Mexicans have. There are few that allow you to request a personal loan without guarantee and without guarantee.

What are Microloans without endorsements?

What are Microloans without endorsements?

  • Basically it is a quick loan without papers that serves to make life easier for those people who do not have a trusted guarantor. It is a perfect option for those who are going through an adverse economic situation because the response is fast and the service is efficient.
  • On our site you can find different options according to your needs or your interests. For example, if you are an entrepreneur, we help you finance your project or your first business. If you receive an income, a pension or a retirement, we do not exclude you from the borrowing system. And those are just some of the most frequent cases, but not the only ones. We give you the possibility to tell us your situation so that we can advise you in the best way.
  • Technological processes have been very useful since their appearance a few years ago. Beyond using the internet to communicate with people from all over the world, reading the news or searching for information also helps us make purchases or even request personal loans.
  • Many companies offer this benefit however you must pay close attention to their conditions and requirements. We guarantee the best financing and with the lowest market rates . But we also provide a quick, easy and convenient solution so you do not waste time in paperwork and bureaucracy.

Request Microloans without guarantees instantly

Are you looking for money now but you do not have payroll? Do you need cash with some urgency? Can not you waste time presenting documentation? Then the solution to your problem is personal loans without endorsement and without a credit bureau. With these credits the extensive procedures and days or weeks waiting for approval have been in the past.

There are many alternatives that can serve you and we are proud to offer them to you. Our line of Microloans without guarantees is the most varied in the market . From our site you can analyze and compare the conditions of each credit, always bearing in mind that we offer you the options that best suit your needs.

If you need some cash to pay off a debt generated in a few days, if you can not wait to get paid next month or if you have had a problem that requires an urgent payment then these microloans are perfect for you.

Among the most outstanding benefits of our products we can indicate that you should not present neither guarantors nor guarantors . We also have flexible requirements and we adapt to your case to give you not only an online loan but also financial advice.

At the same time you can forget about the unbearable procedures, the boring bureaucracy, the exhaustive presentation of papers and the little funny questions that account executives ask in banks. We do not require more documentation than a copy of your document and one of the bank statement to know the account number where we will deposit the money (in both cases as an attached digital file).

You should not go to any office and you can request any of the Microloans without guarantees from your home, office, park or truck. That is to say that being connected to the internet is enough. You do not have to worry anymore . Get the amount you need in a matter of minutes. Pay off your debts, pay your expenses and sort out all the obstacles that life puts in front of you. If you need more data do not hesitate to consult in the customer service area. We will advise you to make the best decision regarding your finances.

Payday loans online direct deposit -Contact us if you need an internet payday loan

Contact us if you need an internet payday loan

In many situations, one is forced to take out a loan to face the expenses related to a new project. Nevertheless, when loans accumulate, their repayment becomes difficult and the prospects of contracting other loans are limited. Like all other trades, civil servants are forced to fall back on the purchase of official credits to clean up their finances and deal with new projects. Purchase of credits: benefits related to the status of civil servant Whether they are agents of the three public offices, police officers or employees of public institutions, public servants can opt for the consolidation of loans to carry out different projects or face to hazards (accident, death, unemployment). Stability and the security of their jobs and salaries are important assets for credit institutions. They are therefore much more flexible and more inclined to propose the best formula for optimizing the budget of the civil servants soliciting a repurchase of credits. In concrete terms, the status of civil servant makes it possible to opt for a grouping of credits with more advantageous conditions and wider possibilities. Public servants can take advantage of a 12-year, unsecured or 25-year buy-back of consumer loans, this time with a mortgage guarantee. The advantages of buying back credits The employee opting for the purchase of credits has the possibility of cleaning up his finances and embarking on other projects serenely. All its debts are indeed grouped into one with the possibility of benefiting from a refund rate revised downward. See triadntr.net for a summary

The consolidation of loans for the liberal professions

Liberal companies often have to deal with specific problems. Declining clientele, budget error, mismanagement or even health or family problems can lead to significant debt. In this case, the consolidation of loans may prove to be an effective solution to avoid over-indebtedness. What consolidation of loans for the liberal professions? The consolidation of loans is more and more often envisaged by the liberal professions because their social charges and their taxation are increasing, whereas their revenues tend to fall. Even if the proposed formulas are the same, the conditions for accepting a buy-back of credits for the liberal professions are different from those of the employees. To qualify for a loan redemption, you must have exercised for 3 years full at least and your turnover must be constantly increasing and have not experienced a significant decline. In addition, the bank account of your company should not be in deficit. If you meet these conditions, several solutions will be possible: – the consolidation without guarantee – the restructured bonded – the consolidation with mortgage – the regrouping of consumer loan without guarantee Whatever the solution envisaged, it will make it possible to refinance the mortgages and consumption, whether professional or personal. Do not hesitate to contact by telephone and to make a simulation of consolidation of loans. We are here to assist you throughout your stay.

Soon retired? Future retirees, with the free time will come soon the time of a fall of incomes which it is strongly recommended to anticipate if you dread to review your lifestyle of the fall. A perspective all the more pity in this period conducive to recreation, outings, travel and a thousand other pleasures that have a cost. Anticipating my retirement, yes but how? The purchase of retired credits will allow you to consolidate your loans by giving a new breath to your budget with a single monthly payment. Repurchase of retired credits, landlord or tenant: good reasons to use it The purchase of credits allows you already to anticipate the fall in salary inherent in the transition to retirement. With a single credit, you have a lower monthly payment to optimize your budget and your purchasing power. Retirement credit buyback for a senior homeowner helps consolidate consumer loans and home loans. The redemption will consist in gathering the different debts in one that will include a single refined monthly payment. Repurchase of retired credits, if you are a homeowner will involve a security deposit on the part of the lender who take a mortgage guarantee on your property. If you are a tenant, the purchase of retired loans is limited to the consolidation of consumer loans, especially those with very high rates, such as revolving loans. In both cases, your situation and the feasibility of the project will be closely examined on the basis of supporting documents and provided that a certain debt ratio.

Financial solution in case of separation

In the event of a separation, there is usually the question of the sharing of goods purchased in common, a situation that becomes more complex when real estate and consumer loans are still in progress. What are the solutions and how can one preserve one’s purchasing power after separation? With the divorce, the financial problems to be solved When the credits have been subscribed to 2, the co-borrower can not decide to disengage himself by letting the other assume only the whole of the remainder to pay. On the other hand, the two co-borrowers may, by mutual agreement, transfer (with the agreement of the lending institution) the entire remaining credit to one or the other. The lender is not obliged to accept but may issue a favorable opinion if the designated borrower is able to insure repayment of the monthly payments alone. The only concern, when several credits have been accumulated, even if the capacity of indebtedness is not reached, the one who will alone load credits will see his purchasing power greatly reduced. The repurchase of credits will enable him to regroup his loans in a single credit, longer over the duration, but affected by only one reduced monthly payment. The redemption of balance When credit has been used for a major purchase as a real estate, several solutions arise during a separation: – The property is sold, in which case the price of the sale will allow to repay the balance of the loan and the surplus is shared between the ex-spouses. – One of the two wishes to become full owner of the property by buying the other’s share most of the time through a credit. We…

Loans to Employees




Possibility of financing at favorable conditions thanks to the agreements in place between our lending institution and the major, as well as local public bodies and health companies.

In this way, if you are a teacher, nurse, doctor or public employee, you can have up to 75,000 euros without thoughts or reasons in the application phase.


Certainly transparency in the offer and correctness in the performance of the practice also thanks to expert consultants who will direct you towards the most advantageous choice.


Certainly, the loans in agreement for public and state employees, do not foresee differences between the employees in fact, it will be enough to be hired with a permanent contract and it will be possible to choose to finance from 3,000 to 75,000 euros depending on the monthly salary and from 24 to 120 months at a fixed rate .


You will be able to request a fifth assignment that will allow you to have a maximum monthly payment that falls within 1/5 of your net salary.

Example: If you take € 1,300 per month your maximum installment will be € 260 euros for a maximum of 120 months

Moreover, thanks to the agreements that our lending institution has, you will be able to access the loan in delegation and have facilitated fixed rate conditions , always committing a monthly fee equal to 1/5 of the net salary that will go to accompany the previous installment of the sale of the fifth holding you in the sum of the commitments within 40% of the monthly net salary.

Example: If you take € 1,300 a month already with a current Assignment of a € 260 euro loan, you will be able to request a Loan in Delegation of € 260 euros a month, thus committing 2/5 of the envelope at a subsidized fixed rate, leaving 60% of the monthly salary available for you.


Thanks to the agreements in place with public and state bodies, one of our consultants will be able to go to your place of work being accredited, to make you an off-site loan offer, without costs or commitment, valid for 30 days.



Loans between Individuals at Low Rates

What is a loan of money between individuals?

What is a loan of money between individuals?

First, the crowdlending platforms that offer loans are more agile, simpler and less bureaucratic than traditional banks.

In addition to that in many cases, the procedure is 100% online, which translates into less waste of time.

That is why the loans between people are not only hired by younger people, the so-called millennials, but that other users are being incorporated.

Everyone, tired of the rejections of the banks and the excessive deadlines that entails going to a branch and waiting for them to approve the loan application.

That is why, this modality has new followers that look for people who lend money on the Internet, without moving from home or work.

Where to apply for loans between individuals?

Fortunately the platforms that offer loans between individuals in Mexico are increasingly.

We can highlight some such as Doopla, La Tasa, yotepresto, Afluenta, Prestadero or kubo.financiero that offer excellent alternatives.

What is the definition of loans?

These are loans between private individuals , that is, individuals who need money, ask others who want to receive interest to borrow it in pages of loans where they connect.

These loans between two people have very interesting benefits. The rate of loans between individuals is lower than what you can get in a bank.

If you have a good credit history you enjoy better conditions because the risk is lower for the borrower, since the interest is usually personalized.

Loans between people on the Internet (peer to peer lending) can be contracted for amounts greater than those of more traditional personal loans and the terms are broader.

What is peer to peer lending?

Internet loans (peer to peer lending) are one of the types of crowdfunding that exist.

It’s about the possibility of getting financing without banks, through a platform, and between people who lend money without collateral .

However, the advance of this modality has been extended to new segments and now loans can also be obtained for companies .

One of the loan pages for leading companies in Mexico is Konsigue that works through factoring.

How do loans between individuals work online in Mexico?

How do loans between individuals work online in Mexico?

For there to be loans between people , two parties are needed, on the one hand, private money lenders , and on the other hand, who request money on the platform.

We already have investors and applicants who register online, without losing time with paperwork in branches.

Now what the platform does is get the information of the borrower and the origin of the money and the applicants, their credit history to know their score and know if they have the capacity to pay.

While many people look for this type of scheme, the urgent private loans , it is true that it takes a few days to finish the operation since those who ask for the money publish their application for a while until the credit is funded.

This is because, from the other side, private money lenders offer at a certain interest rate.

In this way the lenders fund a credit and the money is transferred to the bank account of the person requesting the money and he will have to pay his fees until he cancels it.

What are the advantages of loans between individuals?

The loans are accessible for people who are looking for fast financing with little paperwork.

However, for those who think that it is loans between individuals without collateral , these crowdlending platforms consult your credit history.

Depending on this, the conditions apply, and they also have their own score systems, which makes them very solid and reliable, in addition to being registered.

Another benefit that we highlight in loans is that the contracting conditions are adapted to the profile of the applicant in terms of terms and amounts of financing, as well as the interest rates that are usually cheaper.

But perhaps, one of the most attractive advantages is the speed of granting and the documentation presentation system.

We will not waste time in bank branches and you do not have to present as many papers. Many times, documents are presented 100% online.

This methodology is complemented by a rapid response, either positive or negative. In minutes we can know if we pre-approve to get some of the loans between people. So, in a couple of days we have the money in the bank account.

If you do not apply for one of the loans , you allow us to apply again in a few weeks.

On the other hand, for private loan lenders , it is an alternative to traditional products such as fixed-term deposits, since interest rates are higher and offer better returns.

Requirements to apply for loans

Requirements to apply for loans

  • Register on crowdlending platforms
  • Complete personal information requested. The more complete our profile is, the better the chances of getting the loan.
  • Have a good credit history
  • Own a bank account to receive the money
  • Provide personal identification
  • Provide documentation required

Conditions that can be obtained with loans between private persons

For private money lenders

  • Better interest rates than time deposits
  • Lower risk than other investment products
  • Peace of mind with solvent companies that perform risk analysis

For those who are looking for money in loans between people

  • Speed ​​when receiving an answer
  • Very competitive interest rates
  • Flexible terms for your return
  • Low commissions
  • Procedures 100% online