Moor Plastic Surgery / Plastic Surgery Wed, 06 May 2020 05:36:57 +0000 en-US hourly 1 https://wordpress.org/?v=5.5.3 How to obtain loans to businesses at special conditions /how-to-obtain-loans-to-businesses-at-special-conditions/ Wed, 06 May 2020 05:36:57 +0000 http://www.moorplasticsurgery.com/how-to-obtain-loans-to-businesses-at-special-conditions/

Facilitated corporate financing: EU funds and SME guarantee fund

Facilitated corporate financing: EU funds and SME guarantee fund

Over the past few years, many entrepreneurs have benefited from EU business funding for starting their business project. But getting the funds is not a foregone conclusion. Participating in a tender for the grant of capital does not guarantee the disbursement. To grab the appropriations, the entrepreneur must present a qualitatively interesting project with solid foundations.

But what characteristics must a business project have in order to obtain financing for European companies? First of all, to be in line with the purposes of the reference call. It must also be clearly stated, especially with regards to the objectives. When evaluating, the creation of a structure operating at national or preferably international level is considered positively. Localism, on the other hand, has little appeal.

Another element that allows the appropriations to be awarded lies in foreseeing the possible economic effects of the project. It is also necessary to respect budgets fairly and avoid making too technical proposals, because they may not correspond to the needs that the call aims to satisfy.

Those who aim to increase the odds of success should not underestimate the time factor. The design of the business plan to be submitted requires hours and hours of work. Presenting an improvised project is counterproductive.

Loans to companies with state guarantee

Loans to companies with state guarantee

European funds are certainly not the only way to obtain business financing. They can be requested from banks and financial institutions, including through the SME Guarantee Fund. It is a state project aimed at supporting small and medium-sized enterprises.

The guarantee fund for SMEs provides for the granting by the Italian State of a guarantee for the financing requested by the company. The company that submits a loan application through the Fund must have contributions or sureties or insurance policies since it is guaranteed up to 80% of the lent capital, up to a maximum of one and a half million USD.

 

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Good advice: What particulars must each loan contract have? /good-advice-what-particulars-must-each-loan-contract-have/ Mon, 10 Feb 2020 17:41:02 +0000 http://www.moorplasticsurgery.com/good-advice-what-particulars-must-each-loan-contract-have/

 

If you intend to borrow money from a commercial entity, you should focus not only on the references of such a company, but above all on the contract itself. Yes, a document that actually defines the relationship between the creditor and the debtor (that is, you). In this respect, you will most often encounter the word loan or credit.

From a legal point of view, however, the correct and therefore appropriate term is a loan that you return, including pre-set interest rates. In order not to step alongside a contract that will not endanger you and get into a debt trap, you have to look at some important elements.

What should the rental contract contain?

What should the rental contract contain?

The fact that it is a “loan agreement” must be an integral part of such a document. That is, defining the subject to which the following data report. The two most important will undoubtedly be those of both parties to the contract.

  • Lender – the person or firm providing the sum
  • Debtor – the person who borrows the money and has to repay it

The contract must indicate the amount you are borrowing. This sum is usually called, as principal. Of course, this is related to the respective interest rate in percentages. This amount will be increased by the aforementioned principal, which you must return at the specified due date. With the interest rate, keep an eye on the APR (the most important figure!), Which includes, in addition to interest, any other fees associated with the execution of the contract, the provision of the sum of money and other processes. Thanks to this value you actually know how much you will pay in the finals, which should be stated separately and clearly.

Sets extra cartoons

As part of the upcoming loan agreement, various situations are usually thought of. For example, if you have the option to repay early or in larger amounts, you are allowed to request a deferral or an extension of the due date. These are all actions that are usually charged. If this is the case, it must be stated in the contract.

Other important data

Other important data

The loan agreement should, to a certain extent, protect not only the borrower but also the lender who wants his money back within the required time. You may find it useful to have additional information and elements to make the contract much more complex.

  • Signatures on the contract
  • Contract date
  • Nature of loan – special purpose / non-purpose
  • Penalty fees payable if the due date is not met

An oral contract is also an alternative to this contract. In this respect, however, we recommend giving preference to a standard written contract, which avoids all sorts of complications, eg when submitting some details from the content of the contract.

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Credit with cash payment. /credit-with-cash-payment/ Thu, 06 Feb 2020 01:24:45 +0000 http://www.moorplasticsurgery.com/credit-with-cash-payment/

The cash payment by check by post voucher is, for example, a credit broker who also offers loans without Credit bureau in cash. Only paying cash at the counter brings something for the consumer. Payout or to your account. Cash payment to own customers at other credit institutions with Card bank at the counter. The personal loan as an intermediary loan from Team Bank.

Whenever a cash payment is required

Whenever a cash payment is required

The chain stores cannot keep up because they have to bear the high monthly rent and personnel costs. Nevertheless, a loan can be processed quickly. In the case of a cash payment, however, the branches have a clear advantage, because a loan with a cash payment is only available there. A borrower can only go to their home or branch bank if a cash loan is needed.

Unfortunately, this also means that one does without the cheap credits online. A few days will pass before the balance is credited to the player’s account. It is now clear that branches can also have their advantages. Unfortunately, there is always a consultation with the commercial banks before the loan is granted. This can be avoided if the credit is claimed online because the branches also have their own website.

With a cash payment there is no way around the house bank. If the result of the interview is positive, the consultant issues the loan contract, which both parties only have to sign. This means that the amount of money is immediately ready for use. A credit with cash payment can also be made by overdrafting the current account.

Limit for the loan application is sufficient

Limit for the loan application is sufficient

If the limit for the loan application is sufficient, the use is absolutely uncomplicated and unproblematic. The funds can be easily withdrawn from your bank account. A personal interview is not required and there is no need to sign a loan contract. Some borrowers do not want the loan amount to be deposited into the bank account. However, the main cause is usually that the spouse learns nothing about a loan.

In addition, creditworthiness can also be held responsible for the fact that there is no longer any capital from the credit institutions. For such special cases, a loan with cash from home and abroad is useful. If a loan agreement has been concluded, the borrower can choose whether the loan is transferred or paid out in cash.

Foreign loans can be found online. Numerous brokers offer these exclusively via the Internet. However, a few days pass before a cash payment is made. The loan amount is then also taken over from there.

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Idea of ​​a loan during personal bankruptcy /idea-of-%e2%80%8b%e2%80%8ba-loan-during-personal-bankruptcy/ Thu, 23 Jan 2020 18:08:56 +0000 http://www.moorplasticsurgery.com/idea-of-%e2%80%8b%e2%80%8ba-loan-during-personal-bankruptcy/

Loan during personal bankruptcy often arises

Loan during personal bankruptcy often arises

Anyone who has seen no other way than private bankruptcy due to high debts must be satisfied with a very small financial budget during the behavior phase. Only that part of the income that cannot be seized may be retained for six years. All amounts of money that exceed this limit must be made to the creditors.

Now six years is a very long time in which a lot can happen. And even if you are not allowed to afford yourself financially during this time, you still have wishes and needs that can only be met with money. The idea of ​​a loan during personal bankruptcy often arises. Actually not a good idea as the debtor is not allowed to accumulate new debt during this time. Despite all of this, there are always consumers who do not prevent this rule from thinking about a loan.

A long and uncertain road

A long and uncertain road

Now everyone can imagine that there is no chance of a loan during the personal bankruptcy at a traditional bank. The bankruptcy has been noted in the Credit bureau and makes it appear in a negative light. No bank will agree to a loan here. If you still want a loan, you have to look a little more intensively for a suitable partner.

There are always offers on the Internet that suggest a loan even if the borrower is in personal bankruptcy. However, these are usually very ominous offers that should be considered with great caution. Interest rates are very high and the conditions for such a loan during personal bankruptcy are not necessarily attractive. One should stay away from such offers.

Offers from Cream bank banks are more interesting. They also grant a loan to German citizens if they can demonstrate regular work. The advantage: The Cream bank bank is unable to query Credit bureau. As a result, she is not informed about the personal bankruptcy and approaches the review of the loan application with ease. The chances are good to get a serious small loan even in this difficult life situation.

But before you sign a contract, you should always be aware that this loan jeopardizes the debt relief. If the insolvency administrator learns of the loan, he will consider it to be a violation of the bankruptcy code and sometimes terminate the entire procedure. An aspect that you always have to be aware of and that is a great risk.

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Credit, Pregnancy and Maternity Leave /credit-pregnancy-and-maternity-leave/ Tue, 14 Jan 2020 17:29:18 +0000 http://www.moorplasticsurgery.com/credit-pregnancy-and-maternity-leave/

Will you soon be a mother or have you recently given birth to a child? Would you like to take out a personal loan? To what extent is it possible to make a loan request during pregnancy or during maternity leave? We have the answers to your question.

 

Credit and pregnancy

Credit loan

It is easy to make a loan request during your pregnancy. However, there is an important condition: work at a “normal” level of employment. In other words, it is not possible to make a loan request in the event of a work stoppage due to pregnancy, even with part-time employment. Because there is no guarantee for the bank that the future mother will resume her work after pregnancy.

Example: Ms. Feyer works 80% in a company. She is 7 months pregnant and wants to get a loan. Since the pregnancy is going well, she did not have to reduce her workload and can therefore make a loan request without restrictions. However, you should reduce your workload due to pregnancy (even by only 10%), a credit request is no longer possible.

 

Credit and maternity leave

Credit and maternity leave

During maternity leave, the new mother is in a period of absence from work, but she receives maternity allowance for about 3 months instead of your wages. During this time, she cannot take out a loan in her name. In order to make an inquiry, it must demonstrate the following:

  • That she is working on a normal job again
  • She must be able to certify this with at least 1 wage sheet

From a legal point of view, the maternity allowance is not considered to be attachable, which means a risk for the bank.

 

Make a request in the name of the partner

credit loans

If a personal loan is not available, be it due to a loss of work before childbirth or during maternity leave after birth, it is still possible to make a request on behalf of the partner. This solution can relax the situation, but it is not necessarily optimal. Because:

  • In a “normal” situation, the combined income of the spouses is taken into account by the bank.
  • In the event of loss of work or maternity leave, only the partner’s income is taken into account by the bank.

The option to “combine” two incomes not only improves the chances of acceptance of the dossier, but also enables better credit terms to be obtained (better interest rate).

 

Find out before you commit

credit loans

In the end, it is always the better option to find out before filling out the loan request. Depending on the urgency of the need for money, waiting for the mother to return to work may prove worthwhile. In case of doubt, it is of course possible to contact a credit intermediary like Astro Finance who can control your dossier and take your situation into account so that you can choose the best course of action.

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A pool of credit simulation for the first indicators /a-pool-of-credit-simulation-for-the-first-indicators/ Tue, 10 Dec 2019 18:09:27 +0000 http://www.moorplasticsurgery.com/a-pool-of-credit-simulation-for-the-first-indicators/

You have several personal loans in progress, you want to make a credit redemption with more cash but you do not know if your request for credit redemption will be accepted. The pooling of credit in simulation will give you some indicators.

How to use a credit redemption simulator?

How to use a credit redemption simulator?

 

All you need to do is enter your online credits, monthly income, and rent or mortgage charges. The credit pooling simulation indicates the credit in simulation with the future monthly payment, the duration and the APR. In the simulation credit pool, you must also indicate the amount of cash you want in addition to your credit redemption.

But when your loan buyback presents some peculiarities, the simulation of credit redemption may be wrong.

Applying to a credit broker

To be sure of your credit consolidation, it is best to contact a professional who is familiar with credit redemption organizations. The study will be thorough and detailed. You may be eligible for limited permission if your broking relates to the goods and services sold by your firm, and your main business doesn’t involve a regulated activity other than the regulated activity of entering into, or exercising the owner’s rights under a consumer hire agreement. Firms that broker consumer hire and hire-purchase agreements are also eligible for limited permission but domestic premises suppliers aren’t eligible for limited permission broking.

Make a repurchase redemption

Make a repurchase redemption

This transaction is in fact a second redemption of credit. The specialized bank will ask for explanations about the re-indebtedness after the first purchase of consumer credit.

Redeeming a credit surrender is imperative for all banks except in the case where the first credit surrender is a mortgage.

The credit consolidation rate

It can vary from one bank to another and especially depending on the duration of the credit redemption. The shorter the duration, the lower the rate. If you have more than 60% mortgage, the rate will be the lowest. If you have less than 60% mortgage, the rate will be lower if you offer a mortgage guarantee.

For times, rates, you can make a credit redemption online and to finalize your file, just call us we take charge of your request for credit redemption until financing.

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