Single mortgage

Being single is not easy in our country. If we go for a mortgage, it won’t be easy. Lonely people like us are much lower than married couples, but why is this so? The reason is very simple, namely risk. The banks assess the risk before they give us a loan. In the case of lonely people, the risk is very high, because if such a person loses his job, who should repay the loan? Situations in life can surprise us and you can never predict what will happen, and therefore this possibility can occur.

If the job is not a loan repayment, then a bailiff will appear and all complications will begin. In the case of a marriage where there are two people, the situation is different. If one loses his job, the other still has a change. That’s why the single is much harder to get a mortgage. In recent years, this has changed for the better, because in the past nobody ever wanted to talk to a single. Today, banks are a little more supportive of this, so if we want to apply for a loan it will be worth going to several banks. Then we will see if they have an offer for us that is able to satisfy us.

Single earnings

Single earnings

You don’t need to explain to anyone that if two wages count and it’s not even too high, can you fit in the limit more easily than when you are alone? You have to earn a lot, that’s why not everyone will be able to afford it. We have to convert everything and then we will find out if it is a loan for us or not. If we have large expenses, it will be more difficult for us to get a loan. At the bank, we can do this analysis very quickly and then we will find out which option is most suitable for us.

If you earn the national average, you can count on getting a mortgage loan of several hundred thousand zlotys. If someone counts on half a million then they must earn a minimum of five thousand a month. These are the amounts that many people have every month, but we must remember that the larger the loan, the higher the installment. If it turns out that we lose such a well-paid job, we will grow so much quickly that we may not be able to deal with it. This is how it looks in practice and such a solution must also be taken into account.

Credit calculator

Credit calculator

It will be easiest for us to use the mortgage calculator now. We indicate there that we are singles and how much we earn and we know how much credit you can count on. If nothing appears or the amount is too low, we won’t do anything. Our task will then be to start looking for a better paid job and then we will fit into these calculations and banks will surely give us credit. This is what it looks like, if you don’t earn a lot, you can’t count on much. Banks will not risk it because it can cost them too much.

The bank does not want our property back but only wants to pay installments systematically, because it earns money on this. We have to pay on time and then we won’t have any problems. There are no additional costs or interest, and for twenty or thirty years it can accumulate a lot and it should be avoided. Mortgage is a responsibility, which is why you have to approach it so responsibly. This is not fun but life.

Help from a financial adviser

Help from a financial adviser

If you do not know much about mortgage loans and you do not know if they will give us something or not, a good way to check it all will be a visit and a financial advisor. It will be a person who has several dozen credit offers. He has contact with banks and can send requests on our behalf. If the banks respond positively to the applications, then it will be possible to negotiate the terms.

Only a financial advisor is able to help us in this situation, because he knows what he can count on and what concessions the bank can go for. For sure, we will gain a lot from such cooperation because we are safe. The financial advisor is with us until the end, i.e. until the mortgage is activated. For sure, with the help of such an experienced person, it will be easier to choose a loan that will be very beneficial to us.

If you can negotiate the terms of the contract, you must do it and take advantage of this opportunity. Many people use the help of a mortgage specialist and are really very satisfied. We can also check what a visit to a financial advisor looks like and whether he will meet all our expectations.

Advance payment 500 euros – Mini Loan

Everyone can use it, an advance of 500 euros, is it not because you need it because you go on holiday or have a party where you really need some money, then it is for an account of, for example, your mobile phone that you accidentally forgot to pay. Then an advance of 500 euros is a solution until your salary is paid. Extra costs to get an advance or mini loan are often optional. If you have more patience, you can keep a good grip on the extra costs and get an advance in a cheap way.

Advance payment 500 euros

Advance payment 500 euros

Borrowing money quickly is not always wise, only there are moments when it cannot be otherwise. Often a large loan such as a personal loan of 5,000 euros is not really necessary, but it is more convenient to be able to borrow a small amount of 500 euros for a short period. With a mini loan of 500 euros, you can request this easily and quickly, with some providers you can, if you are willing to pay extra costs, have the small loan in your account within 10 minutes.

Mini loan as an advance

Mini loan

Since you have to repay an advance on your salary quickly, namely within a maximum of 45 days, it is wise to first check whether you have the mini loan can repay. Here is a simple calculation for which you can calculate yourself whether you qualify for an advance of 500 euros. Start with the amount that you get deposited into your account each month, then deduct your monthly costs from this, the amount that you have left under the line that you can request as a mini loan. So it may well be that you end up with a lower amount than 500 euros, in that case, request a lower amount as an advance.

Borrow money quickly without a credit check

Borrow money quickly without bkr

For an advance of 500 euros, you do not have to worry about a possible credit check registration, a big advantage of the mini loan is that no credit check review is performed, having a payment backlog is, therefore, no problem. You must be able to repay the advance, but you have already been able to calculate that yourself with the above calculation.

Maximum advance payment

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The amounts that you can request as an advance are a minimum of 100 euros and a maximum of 800 euros. Regarding the repayment term, this is set at a minimum of 15 days and a maximum of 45 days. If you stick to the repayment term, you can easily go there for a new mini loan the next time, you can even request this by text message, after which it will be deposited in your account at lightning speed. You no longer need to submit new papers. There is also no credit check for a follow-up request carried out.

The best loans for Used Cars

In our flat country, the second-hand market still occupies a preponderant place in the global sale of vehicles. In 2016, nearly 55% of registered cars were second hands. And it should be noted that Volkswagen, the famous German brand, saw its Golf and Polo models rank in the top 3 of the most popular used cars in Belgium. Sold more than 33 million copies since its release in 2003, the Golf has conquered citizens: every year, his models pass from hand to hand.

According to a study by Traxio , the former Febiac, the typical profile of the Belgian used car is none other than the VW Golf. And more precisely: gray, with a diesel engine and about 8 years and 4 months. Learn more about the documents needed when buying a used car and find out how to finance it with Good Finance.

Find your used car

Find your used car

When you start looking for a used car , you must ask yourself a few questions. What will be the use? What budget do you have? Is color important? What are the essential options for you? All these answers will help you refine your research.

Then, know that there are different ways to acquire an opportunity: via an individual, a car dealer or a dealer or a certified network ( My Way , in the case of a VW). By opting for an individual , you will not receive a guarantee, but the price will be more interesting.

If you buy your used car from a dealer or dealer , you’ll get a minimum one-year warranty, but you’ll have to pay a little more. And yes, the merchant must eat his crust. In the latter case, you will enjoy the My Way guarantee . For a vehicle to benefit from this label, it must meet certain criteria: certainty as to age and mileage indicated, Car-Pass, quality network, complete check-out before resale, 1 year warranty to 3 years, …

Finance your car

Finance your car

It is not always easy to get 10,000 € out of your wallet. When you buy a used car from a professional, you must of course add 21% VAT. But you can also apply for a car loan (in Belgium, it is generally spread over three years). In this way, you keep your savings while enjoying your new purchase!

Receive the correct documents

money

When you buy a used car , you must pay attention to several aspects and make sure that certain documents are received correctly.

  • The purchase invoice is provided to the customer when the car is purchased (new) in concession and contains all the information related to the models.
  • The sales invoice , meanwhile, is the new invoice that you will receive from the professional seller. The name, address and VAT number of the distributor, as well as the names and addresses of the previous owners, must be mentioned. The price, terms of payment, car characteristics (make, model, chassis number, year of manufacture, mileage and delivery date), the warranty period and the resale price.
  • The registration card : this is the application for registration that you will send to the DIV. Without this, you will not be able to register the vehicle. It must be accompanied by the special sales inspection certificate, made at the latest 2 months before the day of the sale.
  • The certificate of visit to the technical control (CT): it concerns the vehicles of more than 4 years. This is a mandatory step for all vehicles from their 5th year of life.
  • The European certificate of conformity : it confirms that the vehicle corresponds to the description of the certificate of approval and is issued by the official manufacturer.
  • The Car-Pass : This is the official guarantee of actual mileage and is mandatory. Reading it carefully will allow you to note any irregularities. Printed on a special paper, it is protected against fraud, but check the authenticity on the site of Car-Pass. But if you tell yourself that a new vehicle would ultimately be better, you can compare here the cheapest car loans.