Christmas is the time of year, along with the August holidays, where more money needs are for private individuals. That is why it is essential to be proactive and know how to get money for Christmas and be able to celebrate the Christmas holidays as we deserve. For this, many times you have to resort to quick credit, such as the line and credit card of El Corte Inglés.
First of all, given that the prices in gifts and food go up during the Christmas season, it is essential to have the necessary money. Especially to take advantage of the offers and discounts that can appear at Christmas. Many stores have their biggest sales in the Christmas campaign so they sometimes resort to important offers and discounts. That’s why sometimes we have to resort to personal loans to be able to face Christmas shopping.
Sometimes the person who says I need money for Christmas, refers to the post-Christmas purchases in which the discounts are very high. And so you can buy clothing and other types of gifts with discounts greater than 70%. Thus, by postponing Christmas purchases you can obtain significant savings of money, especially for those things that are not necessary to spend Christmas, as in the case of food. And for this you do not need more than to request mini fast credits of 500 euros or less than 300 euros. With that amount of money you will be able to face those purchases after Christmas.
How much can I get with money loans for Christmas?
There are many credit companies with which you can get money for Christmas, the maximum amount to get with the first loan will depend on the entity as well as your financial history. Remember that to ask for a loan with asnef you have to pay a higher interest. But that does not mean that you can not get financing by being on delinquent lists like ASNEF or RAI. Except for banks, there are many credit companies that can give you quick mini loans from 50 euros to 500 euros. Although according to the entity can not be requested in the first loan more than 250 euros. Now if you need money for Christmas of more than 1000 euros or 1500 euros, it is best to resort to banks and for example apply for the personal loan Estrella de La Caixa or express loan db Deutsche Bank. But you can also request a personal loan from fast credit entities such as Ok Money, Dineo, Qué Bueno, Vivus, Cofidis, etc.
How long will it take to receive the loan of money?
Undoubtedly that is the key question, because surely you are going to need fast money for Christmas and the best option, even if you are going to ask for credit with asnef and without endorsement, is to resort to the mini credits. Because they are the fastest way to get money up to 300 euros or even up to 500 euros. The great advantage of this type of financing is that being very small amounts of money give you quick credit without paperwork or waiting. With a few data and through a comparator or online form on the website of the credit institution you can get your money for Christmas in less than 10 minutes. So mini loans are a perfect financial solution if you need money in less than 24 hours. The requirements to apply for a micro credit are usually the following:
- Be of age.
- Be a resident in Spain.
- Provide the DNI or NIE number.
- Indicate if we have debts or unpaid debts in asnef or other delinquent lists.
- Indicate what our occupation is: unemployed, retired, worker, self-employed, etc.
With the above information the credit institution conducts a study and in a few minutes we will have an answer. If you grant us the loan to have money at Christmas, then the quickness of the credit will depend on whether we have an account in one of the banks with which the company that has granted us the micro credit works. Because this way the transfer of money will be immediate since it is the same bank or cashier. In addition to the entity the quick money will be more if we request the urgent credit during working hours, that is before 18:00 hours and from Monday to Thursday, as long as they are not national holidays. Another option to get money for Christmas with mini fast loans online, is to ask for money from a credit company with which we have worked. If we have not paid the previous debt, requesting a personal loan will be a much quicker and easier process since we already have our data as well as a customer record.
Convenient and comfortable loan for pensioners
Retirees, today as today, often want to resort to simple and comfortable loans for figures that are not too high, in order to meet the needs of everyday life. Payday loans for pensioners can also be very convenient: here we take the opportunity to illustrate YoBank’s loans for pensioners, which are often very convenient and comfortable .
Surely the most widespread structure of loans to pensioners is the sale of the fifth, an easy tool to obtain – just show up in the bank with the identity document and the pension slip, and then the request will be evaluated -. However, it must be borne in mind that the majority of loans for pensioners also require the obligatory stipulation of a life insurance policy in the Case of Death, and that as regards the salary assignment, the monthly payment cannot exceed 20% of the net pension.
The YoBank pensioner loans are certainly very comfortable and designed for customers and also for those who are not customers of the bank. PerTe is a personal loan for Social Institute pensioners prepared by YoBank. Thanks to it it is possible to get small amounts (minimum 3,600 euros) and up to a maximum of 75,000 euros.
The sale of the fifth Perte of YoBank is repayable from a minimum of 24 months up to a maximum of 120 months.
Furthermore there are also fundamental requirements to be respected:
- maximum age of 83 at the request
- maximum age of 85 at the end of the loan
- not having other transfers of the fifth in progress
The YoBank bank therefore offers a solution that, unlike that of other banks, grants access to the loan up to the maximum age at the end of the 85-year payday loan, much higher than the average (80 years). This is undoubtedly a great advantage.
The amount is always subject to the monthly payment and therefore to the total of the pension, as we know the installment cannot exceed 20% of the total net sum of the pension.
Furthermore, as always, the repayment of the installment takes place by the institution that pays the pension directly to the YoBank bank.
The times for obtaining the payday loan from YoBank are relatively short , and the credit is direct to the current account.
It should also be noted that the YoBank bank charges a penalty of 1% on the capital repaid before the term, if more than a year, while for repayment periods of less than one year the penalty is 0.5%.
You are planning to buy a flat for a loan, but you have doubts whether it will also allow you to renovate it? There is a simple solution – take a single loan for the purchase and renovation of your apartment.
A mortgage for the purchase and renovation of an apartment?
Not everyone knows that money for finishing the apartment or its renovation (in the case of buying a flat on the secondary market) can be obtained as part of a mortgage.
Additional bank support is usually 10 percent of the value of the flat you buy, which you can spend, among others for the purchase of fittings, tiles, floor or floor panels, a new kitchen (including kitchen furniture) and the purchase and installation of furniture in the building.
As part of the housing and renovation loan, it is also possible to make changes to the layout of the electrical system, to finish the walls, install the walls and repaint the flat.
A loan for the purchase and renovation of an apartment in practice
Let’s give a simple example – buying a flat worth 300,000 PLN, we can apply to the bank for an additional 30,000 for its finishing or renovation. It is also possible to raise this limit. How to do it?
The solution is an appraisal report prepared by a real estate appraiser entered on the list of appraisers accepted by the selected bank. The cost of such a document is usually 450-550 PLN.
– With a thoroughly developed report that takes into account all future expenses, it is much easier to apply for a higher amount of repair credit. Simply put, it is an expense that pays off – explains Domingo Aljur, mortgage advisor from the Kandor branch of the company.
Selected banks also determine the level of possible loan amount for renovation of a flat or its completion with the rate calculated for one square meter (the average on the market is PLN 1,000-1,500 per 1 m2). In the case of a 40-meter flat with a value of 240,000 PLN will mean an additional loan for its finish at the level of 40 to 60 thousand. zł.
Let us add that there is also a group of banks that does not specify such limits at all – they set the amount of the finishing and renovation loan on the basis of the average. What? Well, the total purchase price of the premises along with its preparation or renovation can not be collected here from the average prices of apartments of similar size and standard in the area.
The cheapest loan on the market
And now it’s time for the most important – a common loan for the purchase and renovation of an apartment is today the cheapest loan on the market! If, therefore, we would like to finish the newly purchased apartment with the help of an additional loan, the cost of two such separate loans will be much higher than the cost of one common housing and renovation loan.
In short, it simply pays off! Unfortunately, we also have bad news – people who have decided to take advantage of the government program can not apply for a finishing loan
How do you get an extra loan for renovation?
You will need a cost estimate for renovation work, which must be attached to the “main” loan application. It should be remembered that the bank will “pay” only for these purchases and finishing works that relate to the permanent elements of our apartment – we can not, therefore, include the purchase of a new bed, mirror or TV.
When the loan application approved by the bank for the purchase of a new apartment and its renovation is finally completed, the amount due will be divided and paid in two separate tranches.
– When talking about the secondary market, the first part of the money related directly to the purchase of the flat goes to the account of the person from whom we buy the flat. The second part of the loan, intended for the renovation of the premises, is transferred directly to the account of the new owner. Let us add that both tranches are launched by the bank only after delivering the notarial deed of buying the premises – explains.
And what is the procedure for the primary market? We answer – here the first part of the loan related to the purchase of an apartment is divided into smaller parts, transferred to the developer’s account in accordance with the payment schedule resulting from the development contract. And when all the money goes to the account of the company that built our flat, the bank will provide us with the remaining funds – those for which it will be possible to finish the apartment. Does this mean that you have to wait until the day of signing the notarial deed with the beginning of finishing works? Not necessarily.
– The bank will be happy to give us money to finish our new “M”, as soon as it receives the report of reception of the premises – explains Domingo Aljur.
Let’s summarize then: the money for finishing or renovating the apartment is at your fingertips, so you should “add” it to your mortgage. And it is best to ask an experienced credit adviser for help in this matter – he knows all banking procedures well and knows where the easiest and cheapest way to get a good finishing and renovation loan can be obtained.