It is said that loyalty in life pays off. By using the store’s services for a long time and regularly, you can count on attractive discounts and interesting offers. The same is true for some restaurants, cafes and other places. However, it is usually quite different with banks.
Offers for new customersMany promotions offered by banks only apply to new customers. Banks give bonuses for setting up an account or deposit, but only to new customers, i.e. those who have not used them before. In addition, these types of shares are usually time-limited. The promotional interest rate is valid, for example, only for three or six months. Then, of course, you can opt out of the product, but not everyone has the time and desire. Some banks prepare shopping vouchers or a certain amount of money as a bonus for opening an account with new customers. Usually it is several hundred dollars. New customers can also count on temporary exemption from fees, e.g. for running ROR. The same is true for deposits. At selected banks, you can take advantage of the offers of premises with an interest rate of 3-4%. Of course, the condition is simultaneous account creation.
When is it worth being loyal to the bank?An exceptional situation is taking a loan from a bank. Then you should submit a loan application in a bank where you already have an account. Then many procedures fall out, e.g. you do not need to provide an income certificate. In addition, sometimes the bank offers a better offer than other new clients. However, this is not a rule, so it can also happen that a new customer receives better conditions than the one who has been associated with the bank for several years.
Loyalty to the bank does not pay offIn the case of banks, it is not worth guided by loyalty and sentiments. It’s worth betting on the offers that are currently the most attractive. Currently, changing your account is not troublesome and does not take too much time. Formalities can usually be completed within a few hours. Banks assume that the acquired customer is sure and will not leave. They assume that if someone has become convinced of a given offer, there is no point in taking care of the relationship with him. New customers are much more sought after. Attractive bonuses and promotions are prepared for them in most cases. It is worth using the offers of various banks, as there is no institution that offers the best conditions in every respect. For example, in one bank you can get very good conditions for a cash loan, and in another it is worth establishing a deposit with an attractive interest rate. You can still have a regular bank account in another bank. Having all the services in one bank, you definitely have to reckon with the fact that some will simply overpay. In addition, the simultaneous use of several banks is a safer solution. You don’t have to worry about internet banking breakdowns etc. If you cannot transfer from one account due to technical work, a second backup account will come to the rescue. Moreover, more and more people are using this solution.
Holidays are a period of increased spending, which can often exceed our financial possibilities. After all, each of us wants the Christmas Eve supper and the next two holidays to be perfectly refined. A quick loan for the holidays may be a solution for the temporary lack of funds for organizing the perfect family holidays. Check how to use it wisely and how to calculate the holiday budget.
Prepare a list of Christmas expensesFirst of all, don’t act chaotically. A well-prepared plan that includes all expenses for both supper preparation and gift purchase is the basis for a good organization of holidays. So start by preparing a grocery shopping list. It’s a good idea to prepare all the recipes you want to use. Then create an excel document and write in it all the components that appeared in it one after another. In the next column, using the sum function, add weight and quantity that appears in individual recipes. This way you will have an accurate calculation of how much product you need to buy. Remember to plan the menu not only for Christmas Eve, but also on the first and second day of Christmas. Don’t forget to buy drinks.
You already have a grocery shopping list readyIn the next step, create the next column and enter the price of the product in it, taking into account the amount in the adjacent section. You probably have the prices of most products in mind, while others check, for example, on the Internet or when shopping in the store. When the column is full, sum it up and you’ll find out how much money you will need for Christmas to prepare food. Another challenge ahead of you, namely – a list of gifts. For some, pleasure, for others a real bane. Choosing Christmas presents for guests, especially on a limited budget, is not an easy task. However, it is worth taking it in advance to avoid nerves, stress and buying random gifts at the last minute. Prepare a list of all invited guests, and then add gift ideas along with the estimated price to their names. Thanks to this, you will know how much your gifts will cost you, and thereby verify whether the money collected for the holidays will be enough to finance all Christmas expenses.
Where to get money for ChristmasAre you surprised by the list of holiday expenses? Only without panic. Consider how much money you can realistically save for holidays and what expenses you can possibly opt out. Perhaps the aunt who comes to Christmas is a champion in baking poppy seed cake? Contact her and ask if she would not be so nice to treat her guests with her unique baking. If some of your Christmas Eve dishes bring your guests, the shopping list can be significantly reduced. But where can you get money for the holidays, if despite the support of the family, the sum of expenses is overwhelming for your home budget? A quick loan for the holidays may be the solution .
How to take a quick loan for the holidays?A Christmas loan in the amount of several hundred zlotys will allow you to implement your Christmas plan without giving up your favorite dishes or reducing spending on gifts, and eventually buying cheaper, but not exactly hit gifts. At Good Finance, you can conveniently apply for a loan online at USD 200, USD 500 and more. Remember to choose the repayment date that you will be able to meet. Also think carefully about the amount you want to borrow. Avoid the temptation to take out a loan for a higher amount than you need. A quick loan for the holidays will not only allow you to prepare holidays that will be an opportunity to spend a special time with your loved ones, but also reduce the stress of preparation and constant checking of the portfolio.
Polish law contains a precise definition of the period of limitation of debt. It is in the Civil Code. However, you should know that despite the fact that there is a limitation period for the debt, it does not expire and the debtor ceases to be in effect. Therefore, the debtor is not obliged to pay his debt. An exception to this rule may be a waiver of the right to avoid paying the debt. In the following article, we explain in detail the legal consequences of the limitation period and after which period of time it occurs.
The fastest prescription for finesThe shortest limitation period applies to unpaid fines and claims arising from the contract of carriage. Under Polish law, they expire after twelve months. Many people do not care about fines and prefer not to pay them back – this is reprehensible behavior. Many people think that the debtor will not try to recover their money and that the debt will expire. People who count on it often do not calculate even how many years must pass for the prescription of the debt to take place. However, there is a huge risk in this respect because the creditor has the right to take the case to court. Therefore, additional fees may be charged, and the process itself can take a very long time (even several years). Therefore, calls for payment of fines must not be underestimated, because after some time they can turn into several times higher costs.
The most important limitation periodsThe Civil Code clearly states the limitation periods. The legislator distinguishes between two basic terms:
- three years for claims regarding business operations or periodic statements,
- six years for all property claims or claims established by final court judgments.
Limitation of long-term debtAs regards the limitation of long-term debt, the case is somewhat different. It should be remembered that not every liability expires after a year or two. Liabilities that arise by virtue of law (taxes) are barred after five years from the end of the calendar year in which the repayment deadline expired. In the case of debts established by a court judgment, they become barred after six years and relate to claims that have been established by final court judgments. Many people are also wondering when inheritance debt expires. If the heir, within six months of the day on which the inheritance was opened, makes a declaration of acceptance of the inheritance, he will be liable in the same way as the debtor for the obligations he has incurred. Accordingly, the creditor has the right to demand repayment of the debt even if he was not aware that the deceased person had any debts.
What to do to stop the limitation period?Persons prosecuting debtors in order to stop the limitation process may perform all court activities (including a lawsuit), initiate mediation or induce the debtor to recognize the claims being made.
The stable gold price and the prospect of an increase in value give the incentive to buy gold as quickly as possible. In addition, silver and platinum are also suitable for investment. If the financial means are not available, the purchase can be realized through a loan for precious metals.
Buying precious metals with credit – not without knowledge!One thing should be said in advance – although gold is one of the safest forms of investment, the future of the gold price is generally uncertain. The same applies to silver and platinum. If you want to take out a loan to buy gold, you should first take a closer look at the gold price and its development, as well as future prospects. It is undisputed that in economically difficult times nobody will be left with gold, silver or platinum, but the price at which a sale can be made should be analyzed in advance. The gold market is well positioned. Investors can choose from gold bars, gold coins, nuggets, shares in gold mines. The so-called small trading in gold is also an option, but it can quickly become a gigantic debt trap for inexperienced people. Small Gold is a leveraged financial product that is highly speculative. To put it simply, it is speculated whether the gold price will go up or down, and profits or losses will be booked accordingly. There are always cases where speculators take out a high credit for Gold small just to make up for losses.
What type of credit for buying precious metals?Both the call credit and the installment loan are suitable for the gold purchase in its various forms. The possible loan amounts are in the five-digit range and thus also cover higher investments. However, it should be borne in mind that collateral may be required in the event of poor creditworthiness or low income. Putting a house at risk just to take out a loan to buy gold – is strongly discouraged. Investors should look at the investment realistically and that is not possible without sound background knowledge.
Conclusion on the precious metal loanBuying gold never remains without a certain risk, because who knows what the market looks like at the time when you want to sell the gold again. Therefore: If a loan for precious metals, then manageable and rather low. Gold price savy people who buy or sell at the right time can even make a profit with a loan. But as already mentioned – this profession is reserved for those who have a clue and therefore not for the layperson.
There has already been a lot of controversy around the reverse mortgage. Discussions are conducted on internet forums or in the press. What is the reverse mortgage really about and can it be beneficial? In an inverted mortgage, the bank pays (once or in installments) to the consumer a benefit for “giving away” the consumer good – usually for the waiver of rights to an apartment, house or building plot. List of online loans in the largest financial statement.
How does it look in practice?The client rewrites the rights to housing on the bank. Of course, he can still live in this apartment – in fact it is his for the rest of his life. The bank pays the remuneration specified in the contract to the client every month. When the customer dies, all saved assets become automatically the property of the bank. So the bank can sell the flat. Reverse mortgage is primarily dedicated to older people, pensioners, who can thus improve their home budget. As you can see, the bank undertakes to pay a monthly “salary” in exchange for the possibility of taking over the apartment after the death of the client. Adapt a loan without a loan to your expectations. The amount of the bank benefit depends, of course, on the value of the good – you can count on a house offering a house than a 2-room flat. Either way, the customer can count on the fact that he will have an additional cash injection for the rest of his life (it is also possible to pay the whole amount at once). There are voices that banks are preying on their clients’ misfortunes and taking advantage of their difficult situation. In most cases, banks repay approximately 30-40% of the property value before the client dies. What a free loan for the first time looks like. This means that after selling the apartments, they do not achieve low profit (approx. 60%). On the other hand, however, customers know what an inverted mortgage is and make such a decision for reasons known to them. A reverse mortgage gives them peace and security that they will be able to afford their daily needs and will be able to live in their home for the rest of their lives.
They certainly gain mental comfort on such a solutionMany people are appalled that a client’s apartment should be available to his family after his death. Check the payday rankings on the wallet website. But what about childless people or those who do not have good relations with loved ones? In addition, sometimes an inverted mortgage is the only solution for the poor or the sick (the need to buy expensive medicines). The bank cannot “expel” the client from the apartment and must pay him regularly – so the client’s interests are secured.
Who can apply for an inverted mortgage?By law, this financial instrument is available to owners and co-owners of real estate or the cooperative ownership right to premises or the right to perpetual usufruct of land, regardless of age. In practice, banks grant such loans primarily to persons over 60 years of age. A person using a reverse mortgage must:
- keep the property in good condition,
- pay real estate fees and taxes,
- insure the property against random events.
When you are overdrawn on your bank account, the threat takes the form of agios. These are the interests which are collected by the bank when you are no longer in credit and therefore you borrow with each new withdrawal. This can quickly become a hellish spiral, since the more the discovery becomes deeper the more the agios accumulate and increase. Here are some tips to avoid going into debt.
Do you know your overdraft procedures?When you open a checking account in a bank, you can request an authorized and free overdraft from your advisor. This allows people who sometimes have difficult ends of the month to avoid rejection fees when paying by card or to pay agios provided that the overdraft is quickly filled. The amount of overdraft authorized and the duration of it vary depending on the institution and your financial conditions. It is nevertheless possible to renegotiate it, especially if it is the first time that you are going into the red.
Check your bank account dailyIf you check your bank account every 36 of the month, you may have a bad surprise! Regularly consulting your account and adjusting your expenses according to the amount therein avoids sinking into overdraft… Furthermore, it is now possible and recommended to subscribe to an option that will allow you to ” be notified by your banker (e) if you arrive below a certain threshold. In this, mobile apps from banking establishments are essential!
Take out an emergency creditHealth problem, urgent repair of your vehicle, purchase of a new household appliance… There are many reasons for having to take out a large sum of money at a time T. In order not to end up with paying agios, you must quickly notify your bank which will offer a solution in most cases. In addition, it is possible for you to take out a consumer credit – less expensive than the agios – which will allow you to keep you afloat for a while, by smoothing the reimbursement of the amount over several months. Find your consumer loan at the best rate, it’s easy and free!
For some people, loans are a way to finance unforeseen expenses that may arise in different circumstances, for others - the opportunity to make small dreams come true. Choosing the right loan that will meet our expectations may not be obvious. We have different variants of loan offers, which may concern both the amount and the repayment date. Today we will look at a loan for 3 months.
3-month loan - a convenient repayment date for everyoneA loan with a possibility of repayment within 3 months is an ideal solution for people who need to borrow a larger amount that they will not be able to repay with one month's salary. If you are waiting for an expensive purchase of a new household appliance, renovation of the bathroom, payment for a course or study of the child, a 90-day loan can be a convenient solution for you without the risk that you will not be able to pay it back on time - spreading payments in installments will not be so burdensome for your home budget.
If the employer is late with the payment - a loan for 90 days will allow you to get a livingSometimes it happens that the employer for various reasons cannot pay us remuneration on time. Although this phenomenon is not very common for people employed under an employment contract, many people work on the basis of contracts or other forms of contract, based on which the payment of wages depends on other factors, such as the end of the project - often with a problem this is what freelancers are facing. Therefore, having the opportunity to take out a loan for 90 days, any delay in receiving the remuneration on your account is no longer so stressful.
Make small dreams come true with a 90-day loanA 3-month loan is not just a way to deal with emergencies. Thanks to it, you can finance your little dreams when we get an opportunity not to refuse. It can be a trip for an unforgettable vacation, taking advantage of the parachute course, which will allow us to make our first independent jump or buy a gadget that has long been the subject of our desire. These types of goals can be quite expensive and we can't always be prepared for them in the least expected moment. With a 90-day loan repayment, your dream will become available at your fingertips.
What to remember when using a 3-month loanAs with any loan, this one taken for three months should be well thought out. Always keep in mind whether you will be able to repay the entire amount within the set time limit and do not be tempted to increase the loan amount if there is a shadow of the risk that you may have a problem settling the liability. At Good Finance, we offer convenient 3-month online loans. Just go to the main page, select the loan amount and mark the repayment deadline for 3 months by slider below. Then, submit your application online and wait for the loan decision once all formalities have been completed. If it is positive, the money will go to your account the same day. A 3-month loan online at Good Finance can be a good choice in many situations. The availability of the service and the possibility of applying for a loan completely online, without leaving your home, is certainly a strong advantage that distinguishes this offer from others offered in stationary establishments.
In the case of a rescheduling, the existing construction loan is compensated by a new loan. If you are interested in a rescheduling, it is advisable for consumers to receive different loan offers from different providers. In the case of a construction loan, the interest rate is set for a specific period. If current mortgage rates are significantly more attractive than the interest rates at the end of the existing construction loan, fast credit redistribution can save a lot of money. Regardless of how long your fixed interest period was chosen at the end of the construction loan: