p-s-f.com http://www.p-s-f.com My WordPress Blog Mon, 11 Mar 2019 15:29:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.1.1 Debt settlement loan – matching offer – low monthly installments http://www.p-s-f.com/2019/03/11/debt-settlement-loan-matching-offer-low-monthly-installments/ http://www.p-s-f.com/2019/03/11/debt-settlement-loan-matching-offer-low-monthly-installments/#respond Mon, 11 Mar 2019 15:29:21 +0000 http://www.p-s-f.com/2019/03/11/debt-settlement-loan-matching-offer-low-monthly-installments/

Debt compensation can be done quickly and easily, or it can be like an odyssey. Each individual case is different.

In the text, we will discuss the problem cases and solutions for you. In addition, we provide you with a strong partner through the comparison software.

For fast readers – key points

  • Each individual case requires differentiated solutions
  • You can use the comparison software to check for yourself which loan offers fit your individual case
  • Please make your credit application now – without obligation
  • The software uses your data in real time to get the right credit

Debt Settlement Credit – Introduction

Debt Compensation Loan – Debt Restructuring

Almost 10 percent of adults in Germany have such high debts that they can not be cleared without outside help. A pretty scary number, considering that this is just the tip of the iceberg and that the number of debtors keeps increasing.

One of the causes of this is our consumer society and the opportunities that result. Not only that there are goods available on every corner, of which we only need a very small part to be able to live and work properly.

It is also bad that these goods can be easily financed, because everywhere you can find credit offers that make this possible. Considering then that hardly anyone can rest in a secure workplace with a secure income, everyone should understand why so many consumers are in debt or even over-indebted.

Debt Balancing Debt – Fighting Debts

Debt Balancing Debt - Fighting Debts

An escape from the debt succeeds only if they are recognized and combated in time. Many consumers try to get the debt under control with the aid of installment payments agreements with the creditors.

However, this succeeds in most cases, not because the creditors want to have their money as soon as possible, therefore, no small installments allow and also like once ordinary default interest on the outstanding amounts. Those who then have more creditors, the high sum that would have to be applied in a installment payment agreement, usually can not cope.

For this reason, this path should not be taken, because it only costs a lot of time and nerves. It is better to think in good time about a loan for debt settlement.

This is available in the form of an installment loan whenever the creditworthiness of the borrower allows for borrowing.

When does the credit fit?

When does the credit fit?

The creditworthiness of a debt-equalization loan always fits when there is a fixed income and a positive shape. Since debt can quickly be negatively reflected in the private credit, it is important that the debt-equalization loan be swiftly absorbed so as not to unnecessarily complicate borrowing.

We recommend that you become active at the first sign of over-indebtedness. It is important that there are still no payment defaults and the creditors have not yet applied for a reminder or enforcement order.

Once this has happened, the chances of a good loan are very bad.

Step by step – Credit for Debt Settlement

For the inclusion of the debt equalization loan, it is important that the total debt is determined. It pays to write down all creditors and ask what the outstanding debt is.

It is important that all outstanding liabilities are recorded. Even if they are very small.

Because in the end there should only be one big creditor – the bank – with whom one can then make a meaningful and realizable installment payment agreement. Once the total debt has been determined, you must look for suitable offers.

A loan calculator on the internet helps to select suitable loan offers. If the credit rating weakens a bit, it is worthwhile to consult a guarantor for borrowing.

In addition, the debt settlement loan should be chosen so that repayment can be made flexible to avoid further financial problems.

Tip:

Anyone who seeks to balance their debts should, in return, refrain from making further debts. It is important that once all debt can be eliminated, so that a restart in economic terms is possible.

However, if you make debts at the same time, you can save yourself the search for a suitable loan, because it is not worth recording.

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Debt Consolidation: Reunify credits in the mortgage, a complex decision http://www.p-s-f.com/2019/02/25/debt-consolidation-reunify-credits-in-the-mortgage-a-complex-decision/ http://www.p-s-f.com/2019/02/25/debt-consolidation-reunify-credits-in-the-mortgage-a-complex-decision/#respond Mon, 25 Feb 2019 12:47:55 +0000 http://www.p-s-f.com/2019/02/25/debt-consolidation-reunify-credits-in-the-mortgage-a-complex-decision/

On many occasions the reader will have heard terms such as debt reunification or unify loans. It is a tool in the form of different financial products that, due to the growth of the over-indebtedness of Spanish families, have gained considerable validity in recent years.

There is no single model of debt reunification or unification of loans. We will see below two of the most extended modalities ; the reunification credits or the unification processes in already existing products.

Why is it better to buy what to rent? in this post we give you the keys

Reunification credit

As its name suggests, it is a new credit product that aims to group the user’s financing debts into a single product with a single quota. Generally, in its purest version, this type of product does not include mortgage loans, it is exclusively coverage for personal financing or consumption.

These are not particularly cheap loans, generally their potential lies in being able to combine several debts into one and give a longer repayment period, so that although the final result is more expensive than the partial debt, the monthly installments they are reduced significantly.

However, the idea has been extended that certain (new) mortgages that admit to include in the total financing the amounts destined to settle other loans of the user are also reunification credits, something that does not correspond with the reality. These cases tend to have a large final cost on the amounts financed, which, although they appear as a short-term option, are a very bad long-term choice.

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Unify debt on existing products

In spite of what the publicity can say, really before a need to unify debt the best way before going to products with external credits to financial institutions (the most common) is to try to start a negotiation with the entity where We have more volume of debt.

Regardless of the personal image we have of the entities, the truth is that they do not want to accumulate defaulters at all, and therefore, keep open the possibilities of negotiation on debts. It is evident that good deals can not be obtained in all cases, however, the possibility of refinancing debt by loans is much simpler and cheaper in this case than in the products of debt reunification. Likewise, the possibility of negotiating the mortgage loan usually translates into greater advantages than the specific products mentioned above.

 

 

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Over-indebtedness: how to avoid it http://www.p-s-f.com/2019/01/25/over-indebtedness-how-to-avoid-it/ http://www.p-s-f.com/2019/01/25/over-indebtedness-how-to-avoid-it/#respond Fri, 25 Jan 2019 14:50:13 +0000 http://www.p-s-f.com/2019/01/25/over-indebtedness-how-to-avoid-it/

In times of economic difficulty, the risk of not being able to pay the mortgage or loan installments in progress becomes more present, especially if the economic conditions of departure of those who requested the loan change or if there are more credit lines activated. In 2000, according to Federconsumatori data, over-indebted households in Italy were 0.9%; in 2012 they became 5%.

The biggest problems for consumers are related to being entrusted to several financial institutions for loans in progress and not being aware of the charges they are required to pay (for example, interest rates). The result is an increasing difficulty in payment of installments, the impossibility of repaying them in due time and the registration of delays in SIC (credit information systems). When we deal with debt collection companies, the situation can become even more complicated: the Anti-Wear Surgery has recorded a 20% increase in requests for help in 2013 compared to 2012, with a growing trend.

So how do we not get to this point? First of all it is necessary to thoroughly analyze its economic situation before considering the hypothesis of a financing : evaluating the income and the expenses allows to understand if it is sustainable the repayment of a monthly payment and of what maximum amount.

The second step, just as important, is to be carefully informed and not to trust the first offer that is found: it is therefore necessary to read the pre-contractual information and the financing contracts, verifying that all the information required by law is present.

If, on the other hand, we have already contracted loans that we are struggling to repay, we can control the margins of renegotiation of the loan with the bank. To keep track of your debt and to manage it in a sustainable manner for our finances, we can also turn to tools such as Mettinconto, which allows us to monitor our situation and analyze our creditworthiness with dedicated advice.

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