Month: March 2020

Belgium wants to improve its financial situation and this consolidation begins with home loans. The conditions are more and more drastic. Cream banks refer to many demanding criteria for screening credit applicants. We tell you everything about the eligibility criteria to be met in order to obtain a favorable response from credit organizations, personal contribution, secured guarantees such as the mortgage, which borrower insurance to take out, etc.

What is a credit restructuring?

More and more people are resorting to buying back credit, which is the obvious solution to avoid over-indebtedness. But what is it exactly? Which credits are affected? Who are the buyout offers for, What are the conditions for taking advantage of them and when should you consolidate your credit? You will get all your answers through many articles dedicated to debt restructuring

Credit and filing at the BNB, what consequences?

The BNB keeps an up-to-date file which lists all the operations carried out by each of us. The file consists of a positive section and another negative section. What are the consequences if you appear in the black pane? How long does a BNB file take? Can you still claim a credit if your name is on it? What solutions can you implement to obtain credit by being registered? Who can help you?

What are some good credit tips to know?

It is becoming more and more difficult to open a loan. But there are a few tips you can use to help promote your case. The same is true of online tools such as loan comparator and credit simulation to sort offers. How to use these tools? What information can you get using these tools? What are their advantages, their limits.

We also teach you how to know your debt ratio to determine your borrowing capacity. This allows you to fix the monthly repayment that you can bear. You should know that 80% for unpaid bills are the consequence of a poor assessment of the repayment capacity. Don’t fall into the credit trap.

The ups and downs of fuel prices often make people uneasy because they can’t help but be inseparable from the lives of people in all circles, be it the lower, middle or upper classes. Last year, fuel prices increased significantly so that most people were not ready for the price changes. This year the price of fuel has dropped again, but it is possible that there will be another increase, right? The change in unstable fuel prices is indeed more or less detrimental to the community. The community’s need for fuel will never end because BBM is the only adequate means available for sustainable transportation. This is closely related to the lives of people in all regions who need transportation every day.Then how should you respond to the ups and downs of unstable fuel prices?

To find a solution, you might try to save on fuel usage so that expenses remain neatly organized and do not experience a significant surge. Saving fuel can be done in various ways for example using public transportation instead of private vehicles. Then, you can also use the use of credit cards to make transactions. If you find it difficult to replace private vehicles with public transportation for various reasons, you can use the second option, which is to use a credit card as a tool to conserve fuel usage. Then how is it done? Use a credit card that provides cashback benefits and discount promos for each of your fuel purchases. Here it is, some credit card recommendations that you can use to get profit by making BBM purchase transactions.

 

Lite Lenders Cash Back

The Lite Lenders Cash Back Credit Card provides convenience in various types of transactions, one of which is a fuel purchase transaction. By buying BBM, you can get cashback benefits of up to 5%. Cashback can only be exchanged for a maximum of $50,000 each month. In addition, the number of transactions that are entitled to cashback profits must reach USD 500,000 in one month. You can enjoy the cashback benefit at all gas stations inside or outside Jabodetabek in collaboration with Lite Lendersbank. Especially for gas stations that are outside Jabodetabek, you can get a cashback bonus of $10,000 directly on the second transaction to purchase fuel. So you can still save money when shopping for BBM because there is cashback that you can enjoy every month.

 

Good Lending Black Card

Both types of Good Lending Black Kedit Card, Visa and Mastercard, offer convenience and benefits when purchasing fuel transactions, especially Shell products. If your vehicle used to use Shell as its BBM, you must have this card because there is a cashback of USD 50,000 for each Shell transaction worth USD 350,000. Cashback is given in the form of vouchers which you can later use to purchase the next Shell by reducing the total purchase. Interestingly, the voucher can be used anywhere in Indonesia specifically at Shell gas stations. With this voucher, you can save on spending on fuel purchases every month wherever you are.

 

RiteGet Lending Platinum

Cashback benefits when making BBM transactions are also provided by RiteGet Lending with one of its credit card products, RiteGet Lending Platinum. You can enjoy cashback after you make a fuel purchase transaction 5 times a month with a minimum total per transaction of $100,000. This credit card can also be easily obtained because you only have to pay USD 500,000 each year. With so many fuel purchase transactions that you do every month, of course this card can be the right solution to save on fuel budget purchases. By continuing to make transactions, you have the opportunity to get cashback so that in the end the profit will return to you.

 

The Right Solution to Save Fuel

So, saving fuel can be done in various ways that suit your needs. Credit card owners can take advantage of the function of their credit cards to save fuel costs which are quite expensive each month without having to switch to using public transportation. That way, you don’t need to worry about the swelling monthly expenditure budget due to fluctuations in fuel prices which are often unstable. One of the types of credit cards above can be a solution that can help you save on fuel expenditure so that the problem of rising fuel will not be a big problem. Also find a credit card for the convenience of purchasing other fuels here.

The rainy season has come, with the coming of the rain can tell us that the roof of the house has leaked. Apart from leaking roofs, cracks usually occur on walls, peeling paint, and many other things that often become problems that arise in each person’s home.

Home renovation is a reason and solution to fix problems that arise in a home. However, there are many obstacles that we need to consider in renovating houses, one of which is funding constraints. However, this can be overcome by seeking loan funds for people who want to renovate their houses but have difficulty in funding.

There are various variants provided by a bank for people who want to renovate their homes. There are 2 types of financing or home renovation loans, namely multipurpose loans and renovation loans. If there is an urgent need, you can use both types of multipurpose loans.

 

Multipurpose Loans

In every bank that has developed in this country, all of them have multipurpose credit products. The credit can be used for consumptive purposes. This credit can take the form of children’s education, health, for the purpose of buying a car, for renovation costs, and so forth.

To renovate a house sometimes requires a large enough amount of funds so that sometimes the alternative to doing renovations is to pawn the guarantee of a house certificate so that renovation funds can be obtained quickly with a safe guarantee that is the house itself.

Through multipurpose loans, funds can be submitted in the range of $ 2,000,000 up to $ 2,000,000,000. The tenor granted also has the freedom to be a year, two years, or up to a dozen years.

In addition, the interest given to multipurpose loans also varies from 9% to 12%. High interest rates are a disadvantage of multipurpose loans.

But there are advantages, namely collateral that is determined not only in the form of land or buildings, but can also be a vehicle. In addition to that, multipurpose loans can be disbursed 100% as needed.

 

Renovation Credit

When it comes to excellence, renovation loans are somewhat different from multipurpose loans because renovation loans incur a much lower interest rate, have a longer tenor, and a ceiling that is greater than multipurpose loans.

The disadvantages of own renovation credit include:

1. Located on the building aspect. We choose a renovation credit so that the collateral will be the house that will be renovated.
2. The amount of funds disbursed can reach 80% of the needs of the RAB or planned budget for building a house renovation, so we bear the rest.

 

Determining Priority Scale for Home Renovation

At the time of house renovation is needed urgently we must determine the priority scale not desire so do not rush to come to a bank. Because the priority scale determines an estimated funding need for a renovation.

There are four posts that need funds that must be prepared if you want to renovate a house, including:

1. Licensing

The need for a building permit or building permit to the village office if we want to change a new form from the previous one.

2. Post repairman or contractor fees

In order to get competitive value, we should be able to collect as much information about the services of builders or contractors. In addition, also calculate whether the renovation uses bulk or daily and we should consider the advantages and disadvantages.

3. Material costs

The large material cost depends on the choice of material and the scope of the renovation itself. If the choice of material and the scope of renovation to eat quality will require a higher cost, but conversely if the choice of material and the scope of renovation is of low quality then it will only require a lower material cost.

If you want to be more practical then the matter of material selection and scope of renovation can be left to the services of the craftsman or the contractor itself because the cost of the material may be cheaper.

4. Unforeseen expenses

We recommend that if you want to renovate a house we have to prepare some or some funds for unexpected costs, for example the safe portion is around 20%.

Are You Confused Looking for the Best Multi Purpose Loan Product? Pay attention to the solution!

 

We recommend that House Renovations Prepared from Far Away

In choosing the source of funds to renovate a house, we should consider whether the funding needs are urgent or not so do not just borrow multipurpose loans or renovation loans because both of these funds are consumer credit classes.

As a suggestion, funds for home renovation should come from your and your family’s savings. In this case, the problem of renovation should have been thought of ahead of time, so you don’t get overwhelmed when your house is damaged.