Requirements to extend a loan

Have you applied for a loan with Zaplo and need to extend your credit? If this is the case and you need to extend a credit in Zaplo, we make it easy for you , you do not have anything else to do the following steps:

  1. Minimum extension of € 100: When you are requesting an increase in the amount of your loan, you must have a minimum of 100 euros of credit available.
  2. Having paid a fee : In order to request an extension of your loan, you must have paid at least one fee . In addition, the expiration date of said fee must have expired, in case you have paid in advance.

Maybe you are interested: Can I request an extension in the payment of my Zaplo loan?

How much money can we request when expanding a loan in Zaplo?

Once you meet the two previous requirements to extend a loan in Zaplo, the important thing is to know if it is the first loan with Zaplo or not , since it will depend on whether you can apply for a larger or smaller amount.

In this sense, if it is your first loan with Zaplo, the maximum credit you have available is € 800. Therefore, the extension of your loan can be made up to that limit. If, for example, you applied for a loan of € 500, you can increase your loan by another 300.

If on the other hand, if you have already applied for loans with Zaplo and you want to increase the current one, the limit increases to € 2,500 . Therefore, assuming that your limit is 2,500 and you have applied for a loan of 1,500, you can increase it by 1,000 more.

Regarding the credit extension we remind you that there are 2 options:

  • Increase the number of installments your loan had
  • Increase the amount of money of each installment of the credit

As you can see, extending your credit with Zaplo is very easy. If you meet the requirements that we propose, you can increase your loan in a very simple and fast way.

Maybe you’re interested: Repaying a loan with Zaplo How do I do it?

Refinance microprestamos Finance micro-loans

 

 

The refinancing of micro loans is something that can occur with some frequency in financing. I say that it can occur frequently for the simple reason that it is what finally happens in many cases.

Why is it necessary to refinance the micro loans so many times?

It’s because of the type of loan that customers are signing here.

Do not make mistakes or misunderstand me, in refinanciacion-deudas.es we are the first to defend the use of microloans responsibly.

The problem is that of those people who only process this financing because it is easy to obtain it, and not having the return of the operation clear.

You have to be clear about several things, the main one is the fact that micro loans are one of the quick loans with the highest rate of defaults.

It is due first to the short term to make the return and above all due to the ease with which they are obtained.

Being fast money credits are many people who process them even if they have no intention of returning because they do not want / can.

The advantage of minicréditos therefore also becomes its defect in case the operation ends badly.

If the operation goes well all are advantages, not on the contrary when it ends unpaid.

For this reason, it is usual to see how customers want to refinance loans through the entity.

Refinancing micro loans, how is it done?

It is not really complicated because the online financial companies that offer them knowing in advance the probability of this happening enable this option by default.

These financiers call it “extension of term” and it basically consists of extending the term of the credits so that those who see will not be able to return it within the period indicated have a second chance.

The problem with this “refinancing of loans” is that the term given to the clients is not much higher either.

The usual thing is to give a maximum of 15 days so that the client can update their credit by canceling it when the time comes.

That’s why talking about a refinance of microcredits is not 100% real either, since here we only get a small term increase.

In any case, it is as close as we can get to refinancing since, as a general rule, it is not easy to refinance debts with online financial companies.

It is not among many reasons because companies know that being small debts even if they end unpaid in the end will be charged.

It is one thing to have unpaid debts for high amounts and another to have it for small amounts.

And we all know or should know that the amounts in micro loans do not usually exceed € 1000 in the form of credit.

Something that we will discover as we learn about how the financial sector works since the higher the amounts the easier it is to refinance.

The loans of small amount are the most complicated, on the other hand those of medium and high are much simpler.

 

Crowdlending and its main features – Immediate loans

Crowdlending and its main features

Crowdlending y sus principales características 300x200 It is almost a fact that on more than one occasion you have heard about the Crowdlendig, but in reality you do not know what it is about, so today we will know a little more about this term that is very important in the world of credits instantly, since it is the dilemma of granting or not an immediate loan without paperwork to the people or on the contrary reject it.

This is because for several years now that decision will also depend on the Internet, although it seems strange it has come to revolutionize the collective finances of companies, and for this there are a lot of online crowdfunding platforms on the web and the variant that in this case is the crowdlending, since they are alternatives that have been generated as one of the best bank credit.

So in general terms it is a platform that has its space on the Internet, in which when a person requests financing, especially autonomous people or SMEs, a group of people can grant the credit, but always in exchange for interest.

Difference between Crowdlending and Crowdfunding

Surely you are wondering then what is the difference between the Crowdlending and the Crowdfunding, since although they are practically very similar if they work for different purposes, such as an immediate loan without paperwork or a new credit. For example, Crowdfunding is one whose main mission is to finance new business projects , which can be implemented by SMEs, emerging companies or also known as startups, since they are companies that have great potential in the growth and that due to its main characteristics has a high risk at the time of its investment, it is precisely for this reason that they are outside traditional bank financing, since they prefer not to invest in them.

On the other hand, crowd-funding is one of the models that works very similar to loans, that is to say that a company, SME or an individual person, consumer can return everything invested by the lenders that in this case are the investors in a period of time that is agreed in advance, with the difference that they must pay an interest rate that is also fixed. That is to say that all those who are part of that platform are investors who by the simple fact of placing their money in some type of business can obtain a return through interest, just as it works with traditional banks.

That is to say that with the crowdlending any individual or company can request an amount of money to buy any type of product such as a house, a car or what you need for investment in your business and be able to pay it through installments, as if it is of an immediate loan without paperwork , with the great difference that it is requesting from a company that can be considered as an intermediary and that the interest that must be paid can vary depending on the investor that is the one that places the money.

The legality and inconveniences of crowdlending

Surely you are wondering if the crowdlendig has problems, and the reality is that if as in any other financial institution, since some of the most important platforms require users to have opening, return, portfolio management, non-payment, revocation of payment orders, insufficient balance, among others. Therefore, a crowdlending institution is not as good as it seems.

Support based on the Law for the Promotion of Business Financing

Now to the question whether this type of platforms are really legal in Spain, the answer is yes, since they have been regulated by the Law on the Promotion of Business Financing, so users are also protected from abuses in that sense, since the law indicates that the administrators of the platforms should not have any kind of problem or open trial in the courts, since they must be very strong organizations.

Crowdlending and its main features Rate this publication

What you should know about loans for workers of the Ministry of Health

We are in December and the Christmas presents, the exchanges, the New Year’s Eve dinner, the next Kings Day celebration among all the important dates that we like to celebrate for Mexican culture require economic investments, some stronger than others but always the financial resource becomes necessary.

Image result for know your rightsFor this, the loans for workers of the Ministry of Health are your best option. Do you already know your rights as a state worker ? es One of the benefits that corresponds to you right is the bonus, however, for these dates it may be that you have already spent it or if you still do not get to that, maybe you already have it distributed in your mind and at the moment whoever receives it will start to use it to buy things, pay debts or simply to spend it, which is a fact is that in a few days you will not see even a peso of your bonus.

Faced with this situation, applying for a loan can be a good option. Which loan suits you? If you are a government worker surely in the first thing you think to hear “loans for workers of the Ministry of Health ” are those credits that grant you to acquire a new home or to remodel where you currently reside. You could also think about the savings funds that are carried out within these organizations, however, there is a much more interesting and functional type of loan.

What is the type of credit that responds to the needs of the workers of the Ministry of Health? Those that we grant in Credifiel to government workers through the agreements we have with the different government institutions. Some of the benefits that you have when applying for one of these credits are:

  • Discounts via direct debit or via payroll, you can choose the one you prefer and the one that best suits your needs. Remember that domiciliar your payments can get you out of many troubles and avoid forgetfulness derived in delays.
  • Short credit deadlines and ideal to meet more than one goal, so soon you can finish paying a loan and you can start enjoying another to re-invest and continue to grow your wealth.

· The interest rate is fixed and the periodicity of payment you can choose it, in this way the credit can be adapted to you and your needs, in addition, you will not end up paying double or more of the amount requested at the beginning.

In addition, the requirements to obtain one of the loans for workers of the Ministry of Health are minimal! The first one you already have: being a government worker. If you meet this requirement, then you only need:

  • Be over 18 and have less than 70
  • Have a minimum working age of one year within a government agency
  • Prepare the credit application
  • Have the following documents:
  • Current official identification
  • Proof of current address
  • Proof of income
  • Account status

If you meet all these requirements and also need extra money so that the holidays do not end in January and the dreams of the family can continue to grow and be fulfilled throughout the year, then contact us to start the application immediately.

Credits for government employees help you realize many of your New Year’s resolutions:

· Improve the house: Maybe you just need to make small adjustments or changes such as some broken glass but maybe in the modifications and arrangements you should do other things such as waterproofing, painting, repairing a wall or changing furniture. If this is one of the purposes that you have been leaving “for later” for years, this time you can achieve it.

· Download “a few extra kilos”: Yes, it is true that for this type of purpose you can also use a part of your credit. While it is necessary to have willpower and carry out a series of actions that influence your diet, investing in your health and your physical well-being is also important. For example, you can buy a bicycle that motivates you to go out to shoot in the park or, pay for some months of an activity that you would like to do, such as yoga or a martial art.

· Change the family car: Have you repaired the car too many times? Maybe the mileage and the conditions of the car are no longer optimal for a long trip and take a good vacation with the family, reasons why you need to make an urgent change but still waiting for the opportunity to come. Better make the opportunity happen and take advantage of the loan you have available to give the hook of your new car.

· “This year I am going to write my house”: Stop worrying about these legal issues and better invest your credit to write your house or the land that you have managed to buy with so much effort. Remember that your estate is at risk if you have not done this process yet, for this reason it is better to hurry and dedicate a part of your loan for this purpose. 2018 is a good opportunity to feel safe and protect your family.

What are some other of your purposes? Through loans for federal government employees and all the advantages you have to be one of them you can make them real. Just come to us and tell us which is the government unit where you work and we will begin to make the request.

If for lack of money you have lost opportunities, maybe you still have time to recover them since the loans we give you give you the possibility of having the money in 48 hours. At Credifiel we have financial products specially designed for you and your family’s happiness, through direct debit or payroll, make your payments and rest assured that your money will be 100% in your hands.

How to overcome the September slope and start a thrifty autumn

The end of summer is approaching and the return to school is already behind the corner. Have you overstepped spending money this holiday? The dreaded September cost is about to arrive and it is possible that your personal finances will tremble just thinking about it. Luckily, we can help you.

Today we will review in our blog some guidelines to successfully overcome the September slope and start a thrifty autumn.

Five tips to survive the September cost

  1. The budget for what I love you.

We can not solve a problem if we do not know it in depth. We will start from a budget of income and expenses that allows us to assess what is the initial situation of our domestic economy and how we can optimize it.

The budget is the only tool we have available to know what will be the outflows of money that we will face in the coming weeks.

  1. Goodbye ant expenses.

We’ve talked a lot on the blog about how dangerous ant expenses are. We do not give importance to them because they seem insignificant but if we add them all we would find ourselves with a lot of money that month to month we throw to the garbage.

The beer at the bar after work, the machine cafes in the office and the restaurant’s daily menu will only make the September slope steeper. Limit them. Try to take the coffee from home in a thermos, avoid beer and join the fashion of eating in Tupperware .

  1. Beware of online purchases.

Almost certainly, our expenses will be lower if we make purchases online. Most of the products used in any home are on Amazon at a lower price than most physical stores offer. You have to take advantage of this situation and save by buying online.

However, we also have to be careful and avoid unnecessary purchases that we would not make in a conventional store. The fact that anything is only two mouse clicks from us can make us a compulsive digital shopper.

  1. Take advantage of the sales.

If you have to renew the wardrobe, do it when the sales come . Prepare a list of the clothes you need and go buy them when the sales season starts.

The secret to saving on rebates is simple: do not buy anything that does not appear on the list, however tempting the 80% discount may be. The problem is that most people go through and end up buying some shoes, a tie or a dress they did not plan to buy. Do not fall in the trap.

  1. Use the car less.

We are not aware of the pile of money we spend after a year in the car. Our advice is that, whenever possible, you go to public transport, cheaper and much less polluting. And if we go a little further, why not go to work by bike? You will be clear in the office and with much clearer ideas.

In theory, putting these simple tips into practice you should be able to reduce your expenses a minimum of 200 euros per month. If you also check the contracted rates of electricity, telephone or internet, you control your debts and hilas very fine with the expenses of the return to school, the slope of September will become a slide.

  •  

How to request another loan online

Requesting loans online is an increasingly common activity, both among individuals and SMEs . If you are reading this post, you are sure to be aware of the services we offer at Zaplo . Therefore, today we want to inform you about how to request a loan online with us .

To request a second credit online there are two options, you can extend the current credit (in the case of still have limit available) or pay the first and request a new one.

How to extend your personal loan?

If you already have a loan with Zaplo and you have an urgent need for liquid money , you can request an extension of the loan already requested . For this, it is necessary to have paid at least one fee of the current loan.

You can request an extension of your personal loan only until you reach the established credit limit . So, if what you want to expand is your first loan with Zaplo, you will have up to € 800 maximum . If, on the other hand, you have already requested more credits with us, this amount increases to 2,500 euros . Therefore, 800 or 2,500 euros will be the top of the current credit sum plus the extension.

Maybe you’re interested | Why order a personal loan online to Zaplo?

How to request a second loan online at Zaplo?

Another option to apply for a second loan at Zaplo is to rescind your current online loan and request another one. This way you will not only make sure of N, but you will also enjoy the advantages we offer in Zaplo to our customers. For example, you can request a larger amount than at the first time.

As you can see, you can not overlap two credits in Zaplo , however, you can extend an existing one or pay the first one and you can have access to a new loan with the advantage that you can increase the amount borrowed. The choice will depend on your economic and personal situation , although we always recommend that you finish the current one and ask for another one later.

5 budget cuts to avoid at all costs

Image result for debtSince the economic crisis of 2008, many thousands of Canadians and Quebeckers have had to tighten their belts. When times are tough, it is wise to review your budget and determine which of your expenses are needed and which can be cut. That said, there are some expenses that should simply never be cut. It is even possible that by cutting these expenses, you are making things worse for your situation, as well as that of your family. These are cuts that could affect your health and put you in an even more critical financial situation than you are currently in. In order to save you from having to discover these errors by yourself, here they are:

Your pension and retirement contributions

In times of economic uncertainty, it may seem tempting to cut your pension contributions or pension funds. You are going to tell yourself that this is only a temporary measure and that you can make up for the deficit when your economic situation is recovering. Unfortunately, things are rarely so simple. Every year, we encounter unexpected obstacles and expenses. If you put in the habit of cutting your pension contributions when your economic situation becomes difficult, you will have to face a retirement that is even more difficult. Do not hurt your long-term prosperity to catch up with you immediately.

Your debt payments

Another temptation might be to cut your debt payments; your minimum credit card payments may seem easy to cut and may represent a significant amount of your monthly budget, but between the interest penalties and the deleterious effect that missed payments may have on your credit rating, such cut can only worsen an already precarious financial situation. Even in difficult times, your debt payments must remain a priority. Getting rid of your debt is after all one of the best ways to improve your situation!

Your home and auto insurance policies

Your monthly insurance payments can seem overwhelming when you try to reduce your expenses. Do not be tempted! An accident or a disaster quickly arrived; in such a situation your insurance policies are your best protections against financial ruin and overwhelming debt. The peace of mind that these alone provide you is worth the price and will allow you to face an already difficult situation with a few less worries. In any case, it is illegal to drive without insurance!

Your healthy diet and your gym costs

Let’s be clear: health, healthy eating, quality food … These are not luxuries. Cutting these expenses can be detrimental to your health and the health of your family; you risk not only unnecessarily depriving yourself of years and quality of life, but you also risk increasing your long-term medical costs and harming your income by limiting the number of working days of the year or you are healthy.

Your medical and dental insurance policies

Like food and gym costs, cuts like this can have a significant impact on your health and that of your family. While, yes, your financial situation is important, your health and your family are more important. There is no point in balancing your budget if this accomplishment harms your health and your future. Just like the forms of insurance mentioned above, these also provide you with a peace of mind that is worth its weight in gold.

Saving in the fall: saving tips for the rest of the year

The final quarter of the year is upon us – making it a good time to re-optimize our personal finance plan under the heading “Save Money in the Fall”. Here are some tips.Sparen im Herbst: Spartipps für den Rest des Jahres

Saving money in the fall: Kassensturz and Zwischenbilanz

It makes sense to keep an eye on your finances. A list of all regular income is often relatively simple, in terms of spending it is already exciting: There are on the one hand, the fixed costs, such as rent and ancillary costs, current insurance contracts and other regular payment obligations. On the other hand, the pure cost of living for food, clothing and shoes to book. If you put together your real expenses, you will come across many small items – they make life supposedly beautiful, but do not actually have to be.

 

Saving tips in autumn

Monitor consistently your spending behavior – you will open up with a little effort an interesting potential savings.

Surely you have done a lot for this year, you wanted to buy or experience certain things. Now is the best opportunity to make a small assessment: Have you already realized your plan – or are you planning to invest even more? Remember: Christmas is approaching in giant steps.

Plan the necessary funds for any upcoming purchases and, of course, the Christmas gifts in time – so you get yourself security. If the game room gets too tight, you can count on Stanley Kowalski and give you air again

 

Save heating costs in autumn

The heating season begins with autumn. So it’s time to prepare your own heating for the operation. During the summer months you may have delivered the radiators, they are dusty and require ventilation. All this reduces the heat output – and of course drives up heating costs. Possibly there are leaky windows and doors, the heating niche is not insulated or there are no programmable thermostats.

So deal with the optimization of your heating costs. Beyond the preparation of the radiators, the right and important airing also counts – you can save a lot and reduce the risk of high back payments from the outset.

 

Additional considerations: Saving money in the fall

The supply contracts for telephone, gas and / or electricity and car insurance are regularly put to the test, and the market is in good shape. At the same time, you also have the opportunity to focus on suppliers with sustainable power production. It is best to use the relevant comparison portals in order to orient you on the one hand to the potential savings potential, but on the other hand to immediately initiate a change.

Conclusion: You can save money in the fall and far beyond, by optimizing your supply and insurance contracts on a regular basis.

 

For emergencies: Stanley Kowalski to bridge bottlenecks

Whether you still need to make purchases or face unforeseen costs, with Stanley Kowalski you can master these hurdles easily and on fair terms – and save money in the fall. Stanley Kowalski’s small loan is an online loan that can be applied for online and with just a few clicks. With the XpressService, the money is instant – within a few hours to your account. Whether you have to pay the heating costs or other bills that are due in the last quarter of the year, with Stanley Kowalski’s small loan you can earn up to $ 1,500 to bridge financial bottlenecks in the fall.

Negotiation with your collection agent

Related imageIn theory, the collection agents are seen as untouchable people whose orders must be executed without fail, but in reality they are people with whom we should negotiate and who we should not be afraid of. Do not delegate the negotiation process to a company because you can do it yourself. In fact, it may seem scary and impossible to do, but with a little courage you can save a lot of money in the long run. Here are 6 tips to negotiate successfully with your debt collector.

Be prepared

If you are planning to negotiate with your collection agent, then you must be well prepared and you must have a good understanding of your current financial situation. For example, you need to know what your monthly income is, what your monthly expenses are, and how much debt you have at the time of the negotiations. The knowledge of these three amounts is important because it will tell you whether you have to repay your debt collector by monthly payments or by a single payment. Make a budget that will allow you to clearly see how much you owe to all monthly expenses. By having an exact amount in mind, you will know exactly which path to take during the negotiations and will avoid finding yourself in a situation where you will not be able to assume the cost of the payments.

Have a hard skin

Although it may seem difficult to implement, strength of character can be your main asset during negotiations. The laws in place prevent collection agents from being violent or harassing towards you, which does not mean that they will be nice to you. The job of the agents is to collect the money you owe them, so be prepared for them to insult you and your financial situation. Malice is one of their strategies. By treating you as incompetent and useless, they want to make you ashamed and encourage you to repay the money as quickly as possible. However, do not take these words too much to heart. Have a hard skin and negotiate wisely.

Find out about legislative constraints

In Canada, the federal government and each provincial government have different laws in place for collectors and the debt collection process. For example, if an unsecured debt is not repaid within a certain time, then no legal action can be taken. It is important that you find out about the legislative constraints in your province. Perhaps, the repayment term is exceeded, which would mean that you no longer have to repay your agent.

Do not make partial payments

Although partial payments may seem beneficial for the repayment of your debt, they can hinder your repayment process in the long term. If you plan to make partial payments, this could therefore restart your period during which the agent can sue you. It is important to obtain the legal opinion of an expert before committing to make partial payments. By being informed of the potential risks, you will certainly stand out as a winner.

haggle

Bargaining does not seem like the best option, but in fact it’s exactly what you need to do when negotiating with a debt collector. Do not forget that your debt has been sold to collection agencies that have surely inflated the balance of your debt to make more money. Make sure you know the exact amount of your debt and do not skip on their first offer.

Even if your collection agent offers you monthly payments, do not accept them. What you need to do instead is to negotiate a single payment, which would allow you to get a better discount on the original debt. The collection agents work on commissions, so it is in their interest to get the refund as quickly as possible. Do not hesitate to negotiate.

Everything must be written

If you plan to reach an agreement, then you must absolutely get everything in written form. If you accept your agent’s offer, you must require a paper copy of the contract. Make sure you do not make any payments until you get all paper documents. Also, check if the contract is clear, ie if it clearly states that once the payments are made, you will be debt free.

The collection agents want your money and will do anything to get it. Although negotiating with them may be unpleasant, following our advice, you will be able to stand out from the situation and pay off your debt so they never bother you again.

For more extreme cases, please consider the consumer proposal or personal bankruptcy

The culprit that you do not save has a name: bias of the present

One of the typical promises of the whole world when the twelve chimes that announce the start of a new year sound is, this time, to save more . However, the year passes and they do not fulfill their purpose. Also some young couples are committed to cut their spending on leisure, clothing or technology to save for the entrance of the mortgage , but they do not either.

The time has come to be honest with ourselves. We do not keep our promises of savings and that makes us angry and frustrated. Why can not we save to achieve our goals? Is there any scientific explanation?

Unfortunately, there is no scientific reasoning to this problem, what there is is a theory known as ‘ the bias of the present’ which tries to explain why we prefer immediate versus future satisfaction. The forerunner of it is not just anyone, but Richard Thaler, the Nobel Laureate in 2017.

WHAT IS THE SESGO OF THE PRESENT?

According to this theory, people prefer the immediacy of reward . The motivation of a human being is profoundly affected by this immediacy, so that the more distant the reward, the harder it will be to strive to carry out that action that we want to execute. Saving is a good example.

Almost everyone asks for a loan to buy a new car . They could save for several years and pay for the car with the savings. The car would be cheaper if they did so and would not have to pay a monthly fee for several years. However, they sting in the loan.

The explanation is simple. With the loan everything is faster. They approve it in a couple of days and so they can enjoy the car before. The concessionaires have realized this and that is why they make financing. It is no longer necessary to go to the bank. If the dealer grants you the loan the terms are shortened and the reward will be even more immediate.

The same thing happens with retirement . Everyone knows that I should save to have a decent life when the time comes to stop working. But who does it? For someone in their mid-thirties, the reward of having extra money in 35 years is so far away that they see no reason to sacrifice themselves and start saving.

The bias of the present deceives us so that we spend today without thinking that there is a tomorrow . We underestimate the future consequences and we do not take action because we believe that day will never come. The only possible solution is to think less about the short term and more about the long term, but in order to achieve it, one must be more rational in making economic decisions