For every liquidity requirement there is a more suitable and decisive formula than others, so it is important to be able to distinguish and choose between the different financing options proposed on the market.

Take for example the range of loans, and find out what solutions it puts in place for those looking for a payday loan in June 2019. If the loan is used to cover a small expense or a contingency to be solved quickly, get small payday loans available, to be requested online.

Solutions for a Payday loan application

After approval, the loan is paid into the current account within 48 hours. On the small loan it is also possible to apply three different flexibility options to deal with any repayment difficulties.

In other words, you can skip an installment, change the duration of the plan or the amount to be paid, in the time stipulated by the contract and without additional costs.

The flexibility of the reimbursement and the speed in the provision are, more generally, the characteristics of all the personal payday loans, available for sums up to 30,000 euros, to cover any type of project that concerns the person, the couple and the home .

Another solution proposed

as an alternative to the personal payday loan disbursed on account, is the assignment of one fifth of the salary or pension, an option open to public and private employees and retirees who can offer their income as collateral. This formula provides for fixed installments that never exceed 20% of what is received monthly, and the amount withheld at source.

Where guarantees and conditions allow it, an employee can add the payment delegation to the fifth assignment. In this case the total monthly installment withheld (assignment of the fifth + delegation) can reach 2/5 of the salary.

Debt consolidation option

Finally, for those who already have more than one loan and would like to renegotiate the repayment terms, The company provides a debt consolidation option.

The residual debt of the loans activated with other financial institutions is merged into a single loan, to continue the repayment with a single monthly installment at more advantageous conditions, extending the time, consequently lowering the total monthly amount to be paid and possibly adding new liquidity to financing.

Mutual P2P Loans - There is a type of credit that is growing more and more in Brazil. We’re talking about peer to peer lending , an easy way to borrow money. The idea is to connect directly two tips: who requests the credit and who invests lending the money. This direct connection is made by companies such as Mutual , eliminating the need for a bank as an intermediary and thus considerably reducing bureaucracy and interest rates.

The peer to peer lending approach began to gain prominence in Brazil around 2011. Although some people still do not fully trust P2P loans, they are consolidating more and more. Among the greatest advantages, as we have already mentioned, are the lower bureaucracy and lower interest rates. Thus, many more people can apply for a loan in this mode.

At Mutual , you can be a borrower, that is, the one applying for a loan, or an investor, the one who lends money and receives the amount back with the corresponding interest. While most P2P companies only work with legal entities, Mutual also allows individuals to apply for a loan.

Want to apply for a loan at Mutual, how does it work?

Apply for loans and not have to pay absurd interest to the bank. It seems impossible, but it is true in Mutual . Borrowers can borrow money even from their friends (just sign up for the platform), with virtually no bureaucracy, safely, easily, without leaving home, directly from the app that can be installed on iOS or Android devices.

The first step to requesting a loan from Mutual is to install the application on your mobile phone, create your profile and fill in all the data that is requested. It is very important to complete 100% of your registration so that you can be approved on the platform and thus be able to apply for peer to peer loans without leaving home.

Loan for negatives at Mutual

 

 

The loan to negativado focuses mainly on people or companies that are restricted in name (CPF) or (CNPJ) companies and therefore no longer have access to traditional banking and financial networks to obtain credit and personal loans. In the fintechs market we have several online platforms like Simplic, Moneyman, Credisfera, Crefisa Digital and also Mutual that offers this modality.

Continuing .. Once you have completed your registration, it is time to apply for the loan. You can configure all aspects of the same: amount requested, number of installments for discharge, best day for payment, value of the portion that fits in your pocket and even contract insurance that will guarantee the payment to your investor in case of death or disability. If your loan application is the way you want, just publish.

 

Now, thousands of investors registered with Mutual will be able to view your credit application and, depending on the conditions imposed by you, make the decision to lend the money or not.

 

Credit rating

Mutual operates as a “Free Market for Loans”. They have a tool called “credit assessment” that the borrower can hire, costs $ 29.90 and is valid for one year. With this assessment, the borrower earns a “credit score”, that is, a reputation, such as in the Free Market, which indicates the risks that the investor has when lending money to him.

The scores are:

? - User did not buy rating
AA - 25 people in 100 may be late
A - 50 people in 100 may be late
B - 70 people in 100 may be late
C - 90 people in 100 may be late

The main point that the investor will take into consideration before lending money is the score.

Receipt and payment

When some investor decides to provide the credit you need, you will receive the money in your account within two business days. You must have checking or savings accounts at one of the following banks:

• Itaú
• Bradesco
• Bank of Brazil
• Federal Savings Bank

You will pay for the loan you borrow each month through tickets made available through the Mutual application.

How does it work for anyone who wants to borrow money?

Just like the borrower, the investor also needs to install the application on his cell phone, create his profile and fill in all the data that is requested. Then he has access to all the people who are borrowing from Mutual .

 

When finding an interesting loan application , the investor should evaluate it and, if you wish, talk directly to who is applying for the loan and even make a counter-offer. Once you are sure that it is worth investing, simply generate a ticket in the application at the amount requested by taking credit and making the payment.

 

Receipts - income from investors

 

 

Every month the investor will receive the portion of the personal loan made on the platform, with the interest due on the transaction, being able to withdraw (transfer) the money directly to your account or, if you prefer, use the amount earned to make other P2P investments.

 

Investor Risks

If the borrower delays payment of the portion of his loan, the investor will not receive until the situation is fully settled by the borrower. When there is a delay, Mutual will perform the collection, linking and negotiating the debt with the borrower, applying a 2% fine + 1% interest per month.

The investor pays nothing for this and does not need to worry, but only receives the updated amount with a fine and interest if the borrower makes the payment.

 

 

 

 

Energy efficiency is a very important issue when it comes to thinking about sustainability and especially when it comes to responsible growth. It can also be very profitable. In this way, entrepreneurs from all sectors have sought to discover new ways to achieve this efficiency.

 

Understand why energy efficiency is so important

 

There are still many myths and a lot of confusion when it comes to renewable energy and energy efficiency. Knowing what this concept means and how to get this bonus for your company can be one of the pillars of your business. Finding out how to get financing to implement energy efficiency can make all the difference!

The rational use of energy, also called simply energy efficiency , is to use energy efficiently to achieve a certain result. In this way, energy efficiency for your company means finding ways to use energy intelligently, reusing, seeking to consume energy in renewable ways, such as solar, wind, among others.

In addition to helping the environment, the entrepreneur has many advantages if he decides to invest in energy efficiency. For example, the entrepreneur has a fiscal benefit in proving his energy efficiency. Today there are tax benefits for buildings with energy certification with A or A + rating, namely with a reduction of IMI.

By becoming energy efficient, the company reduces its consumption, increasing its profits and also creating a competitive advantage for itself. The entrepreneur must also be that by becoming energy efficient he can reduce 80% of his energy consumption, which reflects in a great reduction of CO2 emissions to atmosphere that is the great challenge of the 21st century. Making your company energy efficient is good for you and good for the planet!

Financing can help you to have energy efficiency

 

 

Implementing change, buying equipment, and studying the best way to consume your energy can take time and be a costly process. In this way, the entrepreneur must be prepared for this task. One of the best ways to do this is by seeking funding.

There are several options for you to pursue financial options for energy efficiency. The state-owned banks, supported by BNDES, have lines of credit for the interested party to make their company’s energy more intelligent and sustainable. Financial institutions and private banks such as Itaú and Bradesco also offer this service.

Another good idea is to look for specialized investors who invest primarily in energy efficiency projects. The options for financing energy efficiency still count on Banks, Development Agencies, Regional Funds and Multilateral Organizations.

Evaluate the best for you and the possibilities of getting this funding. Remember that it is a loan like any other and that you must make sure that you can afford it. Check how much capital you have and if that is enough to repay the loan.

The interested in this benefit should know how much of your budget is willing and able to commit to repay the debt. Evaluate the best due date if the value of the benefits is in your budget. Make sure you can pay for everything on time and avoid interest rates. Know that the interest rates on this type of loan may be slightly higher than other types of transaction.

Also read other articles on solar energy :

1. Financing solar power system - advantages and disadvantages
2. Types of Available Solar Energy Lines
3. Solar Energy Financing in Brazil - How Does It Work?

Investment opportunity for energy efficiency

 

  The National Development Bank is a good choice for anyone looking for financing options for energy efficiency. BNDES Finem - Power generation is one of the programs that helps companies to transform their energy capture and become more sustainable. The program assists companies based in the country, entities and public agencies.

Another credit line option by BNDES is BNDES Finem - Eficiência Energética. This program provides funding of 10 million for projects aimed at reducing energy consumption and increasing the efficiency of the national energy system.

To request funding for these credit lines, the interested party must send the request for financing directly to the BNDES through the system of prior electronic consultation, on the entity’s website, https://www.bndes.gov.br. If you prefer, the interested party can also apply through an accredited financial institution.

Help the planet to become greener and sustainable by saving energy in your company!

 

 

 

 

GeRu uses its data only to formalize the loan application, after all, this financial transaction depends on the minimum of a client’s documentation to analyze their credit, and this procedure is carried out online, with the most modern technology to avoid the action of invaders on the web.

For this reason the GeRu platform is protected by some fundamental systems to guarantee the safety of its users. Geotrust, which is one of the largest certifiers in the world, Amazon Web Services, which acts to prevent data theft by crackers - using a cloud computing system - and finally Click Sign that offers the security of signed contracts with validity guaranteed by Marketplace.

Therefore, GeRu acts with total transparency regarding the payment of any amount. All this process is done by means of a loan explanatory document in a clear and objective way, avoiding clauses difficult to understand.

How does personal loan work at GeRu?

The loan at GeRu can be broken down into a few steps. See further details below:

GeRu Simulation

First of all you must inform the amount, the terms you want to repay the loan as well as its purpose.

personal data

Then you must fill in all the fields correctly informing your personal data and your credit assessment will be carried out immediately.

Check your proposal

At this point you will be informed of how much you will pay and when you will begin your commitment to GeRu.

Sign the agreement online

Finally, it is enough to check your agreement and make the signature to submit the credit assessment that will be made available by the partners credit partners of GeRu.

Track the progress of funding

After performing all the previous steps correctly, it is necessary to wait up to 10 days for the whole analysis process to be performed. Within the stipulated time, the money will be deposited into your account or the contract will be canceled.

Requirements for the loan

Check out some of the requirements needed to securely carry out your loan with GeRu:
• ID card
• CPF (Register of Natural Persons)
• Proof of address
• Proof of income
• Contract issued by the site with your signature

Borrowing Costs

The interest rate is a variable that goes according to the customer’s credit, and may vary - within legal regulations - from 1.88 to 5.02%. In addition, the costs with the IOF (Tax on Credit Transactions) are also present (as in any financial transaction).

(I.e.

The Total Cost Effective (CET), which is a rate that corresponds to the interest on your loan plus all charges and expenses incurred in a credit transaction, is composed of the following formula:

CET = Interest rate + Charges (IOF + GeRu service fee) = 4.07%

Step by step to make personal loan at GeRu

 

Credit approval

Once the requester has submitted the data for analysis, GeRu will take care of the rest of the procedures. Despite the elimination of some bureaucracies that always engulf the transaction, this stage of credit liberalization tends to be more thorough in any financial institution, such care is due to the reduction of the risks of default by a client. That is, the credit analysis will confirm the identity of the customer, their ability to pay, and if their name is already negative.

The loan proposal

Soon after the credit analysis, GeRu will formalize a customized proposal for the client. In the body of this document will be weighted your ability to pay, credit history and interest may be higher or lower. We advise the importance of carefully checking the amounts charged and the condition of the loan.

Signing of the loan agreement

At this stage of the procedure, the loan agreement is formalized to sign a commitment with GeRu. If there are consumer disagreements while the loan conditions, reflect for a few days before signing the credit agreement.

This stage step can also be completed online, and it is not necessary for the consumer to move to that stage.

Sending documents

As previously explained, registered data must be validated by the consumer. The documents requested by GeRu are the most basic, since we understand that the identity card, proof of income, proof of residence, and CPF are documents easily accessed by the consumer. All these documentary procedures are required for loan approval.

Wait for loan approval

The waiting phase may cause some consumer cravings, but the credit repayment term of up to 10 days has its reasons. It is at this moment that GeRu will analyze your loan proposal as well as the documents sent.

The consumer can track the progress of the financing on the site itself. It is in this period that the deposit will be made in your account, otherwise all procedures will be canceled.

Pay installments monthly

Once the money has been deposited into the account, the loan agreement can already be considered valid and therefore the consumer should comply with their financial obligations. The procedures involving the term of payment and the value of the parcels are organized according to the loan proposal signed.

Interact with GeRu’s custom dashboard that is offered to the customer, where he can track his loan and make payments.

Advantages of choosing GeRu from competitors

 

One of the great differences of GeRu is its practicality, after all, the whole process is carried out 100% online. In addition to this aspect, its credibility in the market is highly regarded, including its brand associated with several vehicles of national circulation.

GeRu for negatives

GeRu does not release requests for loans to negatives, only with bidders who have their names unrestricted, that is, without registrations in SPC, Serasa, SCPC and other agencies. However, once you have your name cleaned, simply try again after regularizing your CPF.

To make loans to negatives, the solution is to hire a payroll loan, or, access to Simplic, MoneyMan or Crefisa, and Lendico loan, these credit companies approve requests for those with a dirty name and would not go through the credit and score.

Check out some factors that can be taken into account when choosing GeRu’s credit services:

Quick release

All steps of your order can be made online - from the comfort of your home and at any time of day - and once your loan is approved, the credit will be released into your account.

Easy access to credit

You can be served seven days a week and the service is available 24 hours a day.

Safety in Transitions

The protection of your data is one of the values ​​considered by GeRu. For this reason, only the most basic documents will be requested and the technology employed in this process is highly efficient.

Fits in your pocket

Its rate is formalized according to its profile, beyond which, in this form 100% formalized, the interest rates are very low.

Transparency

All amounts to be paid are presented at the time the contract is signed and the installments are fixed.

 

Find the best restructuring loan

You need to finance the renovation of your property but you don’t know which bank or financial institution to contact? With Amaryllis.it you can quickly compare the different solutions proposed for the renovation of the house by identifying the best offers on the market, or you can consult the table of the best restructuring loans updated daily published below, a useful tool to identify the best solution among today’s proposals of banks and financial institutions affiliated to our free comparison service.

If among the proposed simulations you do not find the restructuring loan appropriate to your needs and you want to customize the amount or duration, immediately make a quote for your restructuring loan 

It should be noted that the tables shown refer to a comparison between the only offers

These offers come from banks and financial intermediaries that represent in 2017 about 38% of the Italian personal loans market . Click here to access the complete list of banks and credit institutions compared.

Indicated to quickly meet personal liquidity needs and designed for those who are in a disadvantaged economic situation and who are not able to present suitable guarantees to a credit institution to obtain traditional financing, the loans issued, also called loans trustees, are nothing more than personal payday loans at a fixed rate and constant installment not aimed at the purchase of a specific good or service.

Get a online payday loan 

As regards the repayment of the disbursed capital and the related interest, the repayment method consists in the payment of bills of exchange: the credit title can be placed with any bank.

The number of subjects legitimated to access a loan with financing is definitely large. The payday loan provider requests the certification from the pensioners and the employees the last paycheck and the severance pay guarantee; in the case of self-employed workers , in addition to the presentation of the last tax return, the signing of an insurance is required.

Conversely, the intervention of a guarantor or a co-obligator is necessary if the applicant is unemployed or an atypical worker. In consideration of the fact that bills of exchange are enforceable, in the event of non-payment of a bill of exchange, the risk of a protest materializes, with the start of a credit recovery procedure.

What are the main advantages of having a loan repaid?

Delivery times are very limited, the beneficiary is not required to provide any reasons for the destination of the sum paid. Bad payers and non-EU workers with a residence permit can also access this type of loan. This loan is also compatible with the presence of other loans in progress and can be terminated early without the payment of penalties.

A particular variant of this type of financing is represented by home-based loans

Allows you to receive directly at home the amount granted by the bank or financial institution that provides the money. In this case, you will receive a circular assignment at your home and it will not be necessary to justify the request, as this is a personal payday loan.

 

The term ” micro-credit” refers to all the financing of small amounts that the traditional banking system refuses to grant or hardly grants to entrepreneurs, which are therefore granted by specific financial institutions.

 

 

Micro-credit: a global financing system

Very prominent in the countries of the third world, the micro credit knows an increasing extent in France. There are several specialized financial institutions that offer microfinance services in the country, but the reference organization is ADIE (Association for the Right to Economic Initiative).

Who is the micro credit aimed at?

Microcredit is a loan for business projects that have particular characteristics that make them excluded from the right to conventional banking.

These are low-income natural or legal persons, social and unemployed minimum-income recipients, but who nevertheless have sufficient reimbursement capacities.

What is micro credit for businesses?

In the particular case of entrepreneurs and craftsmen, the specialized microfinance institutions give them mainly low-rate creative loans and other types of assistance, some of which are even at a rate of 0 (such as ADIE).

Micro-credits granted by these microfinance institutions to entrepreneurs and craftsmen can go up to 5,000 euros and run for durations that are less than or equal to 24 months.

The main loans granted are:

• creative credits (which is the most common type of competition for entrepreneurs);
• renewable credits;
• credits for the financing of one-off operations;

Advantages

Micro-credit to companies has many advantages for the project owners who benefit from it as well as for the social fabric and the state.

• For microcredit recipients , these competitions are timely to appoint to remove the obstacles they encounter for access to financing of their small activities by banks, whether for creation or for exploitation. In addition, the introduction of micro-credits is generally accompanied by support packages in terms of training and assistance to beneficiaries, for a better use of the funds allocated to them.
• For the social fabric, micro-credit allows underprivileged sections of the population to be able to set up and carry out income-generating activities, which should reduce certain social evils such as social crises or crime. Since microfinance is based on the principle of participatory solidarity, micro-credit activities also help to strengthen social cohesion.
• For the state, micro-credit allows the emergence of activities generating jobs but also resources for the state in terms of tax and social contributions.

The inconvenients

 

There are no real disadvantages that are inherent in the granting of micro credits to businesses, except that access to this service is not sufficiently regulated so as to clearly define the beneficiaries.

Thus some companies that can benefit from the help of banks come to seek financing in the microfinance market.

This induces unfair competition at the corporate level and may also lead to a gradual decline of the banking system. In the long run, the people who are the real recipients of micro credit will no longer be able to access the resources of microfinance.

 

With the travel loan it is possible to obtain the liquidity necessary to carry out both a leisure holiday , a transfer linked for example to a study stay , or for medical treatments .

HOLIDAY LOAN CHARACTERISTICS

Through this type of loan it is possible to obtain a loan that covers up to 100% of the cost of the holiday. The amount paid is on average less than 10,000 euros, but can reach up to around 30,000 euros. In some cases, the financial companies also make available offers that include the costs of preliminary investigation and installment collection. 
Given that the amounts disbursed for holiday loans are usually small, the preliminary and loan granting phase is very fast. 
The loan can have a duration ranging from 12 to 60 months , and provides for a repayment at a fixed rate and constant installments . 
The autonomous availability of the sum of money necessary for the holiday allows the applicant the maximum freedom to organize the trip . In fact, it becomes possible to decide to buy the trip in any agency or directly online, or even pay the living expenses directly at the resort. 
Also, the holiday loan can be requested from the travel agency, taking advantage of agreements stipulated by the tour operator with specialized financial, almost always exclusive. In this way, on the one hand a discount can be obtained on the trip by virtue of the commission received by the agency on the brokered loan, on the other hand there is no possibility of choosing, among the available loan offers, the loan at the interest rate more convenient .

ANY WARRANTIES

To obtain a holiday loan no specific requirements are required, as well as to prove that you have a certain income and a good credit rating.

THE ELEMENTS OF THE CONTRACT

The law establishes that a holiday loan contract must contain the following elements:

• the interest rate charged;
• any other price and condition applied, including the higher charges in the event of default;
• the amount and methods of financing;
• the number, amounts and expiry of the individual installments;
• the annual percentage rate of charge (APR);
• the detail of the analytical conditions according to which the APR can possibly be modified;
• the amount and purpose of the charges that are excluded from the APR calculation;
• any guarantees required;
• any insurance coverage required and not included in the APR calculation.

EARLY EXTINCTION

The law guarantees the consumer the possibility of early repayment of the loan. If the consumer decides to choose this option, in addition to the repayment of the residual capital, he could pay a penalty that must not exceed, by law, 1% of the financed capital; the exact terms of the penalty are reported in the signed contractual conditions.

EVALUATION CRITERIA

Below we illustrate in a schematic way some specific evaluation criteria of the holiday loan.

• Risk policies: each Institute applies its own risk policy in the assessment of requests, based on the statistical data it has (credit scoring). This data is the tool that allows the Institute to keep insolvencies below a certain level.
• Income level: the acceptance of the requests is normally also subordinated to the evaluation of the income level of the applicant and to the relationship between the latter and the possible repayment installment.
• Creditworthiness: the creditworthiness of the applicant is of great importance. It is important to emphasize that this evaluation has no “moral” meaning. The Institutes are limited to estimating the level of risk connected to each request, also on the basis of the indications transmitted by the Central Risks. If the credit history of the applicant has some “flaws” (delays in repayments of previous loans, unpaid debts, etc.) the probability of the request being accepted is obviously lower. In some of these cases a valid alternative is constituted by the Assignment of the fifth: this solution, offering the appropriate guarantees to the financing Institute, allows the adoption of more flexible evaluation criteria.

THE CONDITIONS

Holiday loans are provided by financial institutions and banks. They do not require specific requirements, except for a certain income and a credit position of the applicant for the loan which confirms adequate financial reliability of the same.

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