rangtreem.org http://www.rangtreem.org Just another WordPress site Thu, 20 Jun 2019 13:34:48 +0000 en hourly 1 https://wordpress.org/?v=5.2.2 Cash loan without certificates for Christmas shopping http://www.rangtreem.org/cash-loan-without-certificates-for-christmas-shopping/ http://www.rangtreem.org/cash-loan-without-certificates-for-christmas-shopping/#respond Thu, 20 Jun 2019 13:34:48 +0000 http://www.rangtreem.org/cash-loan-without-certificates-for-christmas-shopping/ Loans without Christmas shopping certificates may not include commissions and are usually available up to PLN 150,000 in the promotion. The credit decision is fixed up to 24 hours, and the funds are transferred to the account even in 30 minutes. Through a cheap cash loan or a low-interest cash loan you can fulfill your holiday plans and make your dream come true.

loan

Thinking about Christmas, we have prepared promotional offers of cash loans for Christmas and New Year’s Eve. Make your dreams come true and let yourselves and your loved ones enjoy the upcoming holidays by taking the best cash loan on the market for the holidays.

Check current promotions of loans and cash loans and see the benefits of the PRO-credit cash loan, the Christmas cash loan N-Mobile , Eliisetbank promotional cash loan for Christmas dreams, Christmas loan for Rilai Bank, cheap loan cash Eliisetbank online, the best cash loan for Christmas from 1 thousand. PLN to 200 thousand Bank GGNP or Ideal cash loan for Christmas and New Year’s Eve proposed by Samboan Bank. The cash loan in the promotion offered by Bank Illiumen and the cheap, new internet loan offer for the Sappy-Loan holidays are also popular for Christmas.

By choosing a cash loan in the promotion for Christmas, you can pay less than 1 PLN per day for each borrowed PLN 1000 (along with credited costs) for a min. 3.5-year repayment. You can get a cash loan for Christmas and New Year on the same day, and cash on the Internet even in 30 minutes.

 

Loan from PRO-credit for Christmas

Loan from PRO-credit for Christmas

  • Attractive monthly installment – only PLN 1 per day for each PLN 1000 loan
  • Up to PLN 24,000 (along with credited costs) – just an account statement from the last 3 months and an ID card
  • Payment even the same day
  • A loan via the Internet, telephone and in the branch
  • You can use the loan for any purpose
  • You set the repayment date flexibly
  • Minimal formalities

The PRO-credit cash loan can be used for any purpose depending on your current needs and requirements. The amount of the loan for a zloty from PLN 1,000 to PLN 120,000, from PLN 1,000 to PLN 24,000 without certificates. The loan period is up to 96 months. Forms of collateral? The standard! Mini Rescue Loan for Christmas without security. Possible grace period in loan repayment.

 

Christmas promotions of loans and cash loans

Christmas  cash loans

NEW – Cash loan for Christmas from Sappy. Loans – loan for Christmas up to PLN 25,000. Repayment period from 3 to 48 months. The minimum amount of paperwork, a quick online decision and instant transfer of money for holidays to the customer’s account, which will fill the Sappy application. Christmas loans. Cheap cash loan for Christmas, or maybe a Christmas cash loan? Check out the best offers of cash loans and Christmas cash loans online for Christmas and New Years Eve.

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How to make a business plan for a loan http://www.rangtreem.org/how-to-make-a-business-plan-for-a-loan/ http://www.rangtreem.org/how-to-make-a-business-plan-for-a-loan/#respond Tue, 04 Jun 2019 13:14:37 +0000 http://www.rangtreem.org/how-to-make-a-business-plan-for-a-loan/ The development or start of a business often involves borrowing. The most popular option is to contact the bank. A banking organization can finance an interesting and profitable project that, in the opinion of bankers, should bring income, and, accordingly, repayment by the borrower of debt obligations. In this article, we will look at how a business plan is drawn up for obtaining a bank loan, what the banking organization experts are paying attention to, and which business plan will be most effective.

What is a business plan

What is a business plan

A business plan is a description of an activity that will bring profit in the future. Such a document fully describes the structure of the company, its composition, activity, and also describes directly the product that is released to the market.

Financial and analytical analysis of the market will be required. The organization must determine all possible risks, as well as calculate the profitability of the activity. A business plan includes various aspects: from a marketing plan to a production plan.

For a loan in a bank, it’s not so much the structure of the business plan itself that is important, but the content itself and the main idea that should bring profit. Nevertheless, it should be very detailed, as the specialists will assess the risks of financing and, possibly, defend the transaction on the credit committee.

This is where detailed summaries and figures come in handy, since a banking company, issuing loans, relies on statistics and calculations. Before submitting an application, it will be useful to familiarize yourself with the “Methodological guidelines for evaluating the effectiveness of investment projects” developed by the Ministry of Finance.

How to make a business plan for a loan

How to make a business plan for a loan

 

To compile such a document should be approached with all the responsibility. One of the options is to develop it yourself, on the Internet there are templates for describing a business plan, according to which other users compiled the document.

An alternative is to contact a specialized company, which will give you detailed advice on how to create your own business plan or take it on your own.

Work on the development of the document is entirely due to the consulting organization will cost from 100 000 rubles. But the amount is indicative, as it depends on the type of organization and region. Perhaps in the local offices you can find options and cheaper.

If the component is aimed at saving money, or does not trust third-party companies, then this issue will need to be fully studied, and we will make certain recommendations in this article.

Content of the business plan

 

The business plan may be individual, in addition, depending on the specifics of the enterprise, some provisions of the general requirements may not be included in the necessary document. In general terms, business plans for obtaining loans should contain the following provisions:

  1. Title page. Created by generally accepted standards.
  2. Privacy Policy. Information that reveals many aspects of the enterprise, so the bank must keep data secret from third parties.
  3. Summary. This is the first thing that employees of a banking company pay attention to when issuing a loan. 50% of success will depend on the resume. Here you need a summary of the main idea, which should be profitable.
  4. Description of the enterprise and industry. The banking organization should have a clear idea of ​​who it is dealing with (it is worthwhile to familiarize specialists with the industry in principle) and how the competitors are doing and how profitable the product is.
  5. Description of products. Another 25% of success depends on this item. Here it is important to prove how important this product is to the target audience.
  6. Marketing and Sales. It is necessary to characterize the market. To conduct Swot-analytics, to determine the target niche, to describe the competitors, to reveal the advantage, and also the chain “supplier – final consumer”.
  7. Production plan. Production process, capital in the form of equipment and human resources. Tell about what and how it is produced.
  8. Organizational plan. The structure of the company, its management staff and departments. Who is responsible for what.
  9. Financial plan. To paint the budget of the company and the project. The amount of cash required, taking into account costs and turnover and the total profit.
  10. Orientation and efficiency. About how useful and popular it is.
  11. Risks and guarantees. This is also an important point. Here it is necessary to consider all possible risks associated with a decrease in purchasing power, reduced demand, problems with suppliers, etc., while proposing ways to solve them. And also provide the opportunity to pledge.
  12. Application. Additional information or necessary documents related to the previous sections.

Sample business plan for a loan

A business plan starts with a title page, you can use this instance as an example:

  1. Sample service .
  2. Sample for construction .
  3. Sample for production .
  4. Sample for agricultural business .
  5. Sample for the sale of goods .

Then you can provide information that the document is the property of the company and is not subject to public disclosure. Then write a short summary. The summary should be no more than two or three pages. Then you can gradually reveal the remaining provisions of the business plan.

What does the bank pay attention to?

What does the bank pay attention to?

 

Bankers will first of all familiarize themselves with resumes, and the refusal may be received already at this stage, if such offers have already been received, and the banking company considers them unprofitable.

Then a lot will hang from the product itself. It should be understood that bank specialists are not entrepreneurs, but work in a narrowly focused area. Therefore, you should provide detailed information about the product, its relevance, supporting the information with illustrative figures.

Also, special attention is paid to risks and calculations during planning. It is important to show all income and expenses throughout the project, as well as to describe potential profits in several scenarios.

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A loan secured by a car, how and where is it more profitable to take? http://www.rangtreem.org/a-loan-secured-by-a-car-how-and-where-is-it-more-profitable-to-take/ http://www.rangtreem.org/a-loan-secured-by-a-car-how-and-where-is-it-more-profitable-to-take/#respond Mon, 03 Jun 2019 13:31:33 +0000 http://www.rangtreem.org/a-loan-secured-by-a-car-how-and-where-is-it-more-profitable-to-take/

The car is included in the list of the property that the bank considers as a potential collateral. Transport as a mortgage instrument in the banking classification is in second place after real estate. A loan secured by a car is often the only way to purchase a personal vehicle. How to get a loan of this kind? In general, similar to consumer loans. In general, there are two possible options under which the car goes into the bank’s collateral property:

  • the client owns a car, but he urgently needs money for some other needs. Ideal option to get a loan secured in a banking organization, using this movable property for security. Consumer loan in the amount of 100 thousand rubles for the owner of the car in general, take no problem;
  • the client is going to buy a car, but where to get the money. Here is the same principle as with a residential mortgage: the bank gives the funds, the borrower buys a car for them, after which the transport is immediately issued as a mortgage property for the bank. The client becomes the full owner of the purchased car only after full settlement with the bank.

The degree of freedom of the borrower in the use of mortgage “iron horse”

car

 

Now almost any bank in the Russian Federation supports the “Car Loan” program. At the same time, the transport remains physically with the borrower. It is extremely rare when the acquired credit car remains in the bank on bail until the debt level off. This largely depreciates the meaning of buying on credit. Now almost all banks have abandoned this practice. Those who still left such an unpleasant condition for the borrower, are forced to make profitable loan offers. Otherwise, the entire clientele will simply swim away to the competition. For example, if you agree that the car will still remain in the parking lot of the bank, the client may require a longer period, which will reduce the monthly fees.

A bank loan, when a client gets the opportunity to drive a mortgage car, is called “a loan secured by TCP”. PTS is a vehicle passport. When making a loan, the borrower for the period of the debt gives the TCP and a duplicate set of all the keys to the car to the bank. Then you can safely ride. Strictly speaking, this method is called “a loan secured by a TCP”, and in the case of a loan secured by an auto, the “iron horse” remains on the parking lot for the entire loan period. But these subtleties in the definitions can not be observed. So, the borrower has the right to:

  • use the vehicle purchased on credit at any time;
  • conduct regular inspection, minor repairs and tuning cars (if it does not affect the cost characteristic);
  • to drive a purchased car at least within the region or district, or throughout the country (to be negotiated when concluding a loan agreement);
  • the borrower does not just have the right, but under the terms of some banks is still obliged to insure the car against accidents, theft and fire (the most frequent types of damage) through the hull insurance system.

Insurance of a vehicle purchased in debt is highly recommended, since in case of unexpected material damage in the form of loss of a car, the borrower will receive monetary compensation, which will help pay off the loan. Otherwise, the client risks being in a position where there is no car, and there is a debt to the lender. In addition, in such circumstances, the bank may bring the loan repayment time closer (which will increase the monthly payments), since the absence of collateral enhances the risks, which means that we must quickly finish the business with such a client. Therefore, for example, it is very difficult to buy a domestic car without a CASCO policy on credit or mortgage to receive money.

What must a borrower comply with?

 

While the car is owned by a credit institution, i.e. the loan is not repaid, the borrower has no right to:

  • try to lay the already laid car. For example, when trying to borrow money from another bank. The financial institutions first of all check whether there are no encumbrances on the property that the client offers as security for the loan;
  • make some serious technical changes in the design of the machine that could lower / increase its market value (for example, replacing the engine, the “collapse – collapse” system, etc.);
  • radically change the appearance of the car, i.e. capital tuning. The model and brand must be clearly defined, otherwise it will again affect the market price;
  • travel by pledged car outside the country (only if there is no special agreement with the bank);
  • it is impossible to give, put up for sale, rent, because a car before the cancellation of a loan is considered bank property;
  • the client has no right to “launch” movable property, which, as stated in the bank agreement, belongs to the beneficiary for the period of the loan. That is, the borrower is obliged to monitor the health of the machine, eliminate minor flaws resulting from the operation, conduct regular diagnostics.

Basic conditions of auto loan

auto loan

 

It is clear that in case of violation by the borrower of its contractual obligations, the institution confiscates the transport, and then puts it up for sale for damages. When the car is pledged, is it possible to say that as the debt is repaid, the client becomes more and more its owner? No, the full right of ownership is transferred at once, simultaneously to the client after he has made the last loan payment. A car loan (or a consumer loan with a car deposit) has the following general conditions:

  • size – up to 15 million rubles (depending on the machine chosen and the borrower’s solvency);
  • sometimes you can choose the type of contributions (annuity or differentiated);
  • the bank will give out so much money that they will make up a maximum of 80% of the market price of the car (usually 70%). Firstly, the institution is always insured in case of a fall in the market price, and secondly, in case of confiscation, the car should be sold as quickly as possible, that is, at a price slightly lower than that of other similar machines;
  • the possibility of early full payment without commissions and additional interest is always provided;
  • Most organizations dictate to the client some restrictions on what kind of car to take. For example, cars of too low price category (less than 100 thousand rubles) and too high (more than 1.5 million rubles) are not popular with banks for obvious reasons – low-cost transport is most often sold in pawnshops, a second-time vehicle will have, if that It’s very cheap to sell, and the buyer can hardly find an elite product quickly.

It can be seen that somewhere around the fifth part of the cost of transport the borrower will have to pay out of his pocket at the same time. Statistics show that a consumer loan secured by a car in a bank is sold for the purchase of cars of the Lada Kalina type, Ford Focus class sedan, etc. That is, the average price category (300–500 thousand rubles).

Question with documents

Question with documents

The set of documents, which means that the set of requirements for the borrower in all banks in the field of car loans is standard, but due to the fact that this is a vehicle, there are several additional points:

  • Russian passport with a residence permit (permanent residence);
  • age from 21 to 65 years – without a guarantor, up to 70-75 years – with a guarantor (the upper age bar is indicated at the time of repayment of the loan);
  • half a year of work at the last vacancy and the year of the total seniority of all official employment that the borrower had;
  • certificate from the tax service / accounting department at the place of work in the form 2-NDFL, showing that the borrower has a salary, the amount of which will allow you to pay the loan monthly, remaining at least with the minimum subsistence level;
  • from a possible guarantor – passport and certificate 2-NDFL;
  • absence of debts on other loans;
  • driver’s license;
  • auto insurance policy in the hull insurance system (required in 85% of all cases);
  • PTS (vehicle passport);
  • and, of course, a completed application form.

By the way, the age of not only the borrower, but also the car is important. It is unlikely that a Russian bank would agree to lend money to a client who pledges to offer a foreign car over 10 years old or a domestic / Chinese car over 5 years old. And it does not matter whether this money is needed for the purchase of a used car or a person offers his car as a pledge to receive finance for other needs. The main performance characteristics, make, model and year of production of the machine are listed in one document – the transport passport (PTS). The PTS car loan is mandatory, as it contains key information on the subject of the pledge, showing its approximate market value. Before concluding an agreement, it is always better to examine in detail the full range of banks and a set of their proposals. This optimizes the loan.

Bank or pawnshop?

bank

Above, the article already mentioned auto pawnshops. This option of taking a loan, as many people think, is an “extreme case”. The reason for this is simple – the monthly percentage for using credit funds in them is somewhat higher than in any bank. At times, the difference in interest rates can range from 0.5 to 3%. But with all this, the appeal to the pawnshop has its advantages: a free car assessment, the minimum set of necessary documents, and most importantly, quick loan processing. Indeed, in some banks, the procedure for issuing loan funds on the security of a car can last up to 2 days, while any pawnshop does the same procedure in 2-4 hours. There is also one more important plus pawnshop – if you take a loan on the security of a car not for the first time, that is, you are a regular customer, then a special discount system will work for you. This is where banking institutions lose, because the monthly interest rate on the discount system can be reduced by 15-50%. Thus, the monthly payment on a loan in the pawnshop will be significantly less than that of any bank, where the conditions for obtaining loan funds are established by current legislation and do not provide for any discounts.

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Do you renovate, build? You will get a cheaper cash loan! http://www.rangtreem.org/do-you-renovate-build-you-will-get-a-cheaper-cash-loan/ http://www.rangtreem.org/do-you-renovate-build-you-will-get-a-cheaper-cash-loan/#respond Wed, 22 May 2019 13:24:04 +0000 http://www.rangtreem.org/do-you-renovate-build-you-will-get-a-cheaper-cash-loan/

 

Holidays are associated primarily with relaxation. Summer is also the perfect time to renovate the apartment. Before hiring a renovation team, it is worth carrying out a reconnaissance to find out what expenses are waiting for us.

You can paint a flat yourself. The cost of construction paints for home and façade interiors is not high. Larger expenses await us when the apartment needs more renovation. Replacing the old floor costs.

The same applies to the kitchen and bathroom. Everyone would like to have a modern and practical kitchen, a beautiful, spacious bathroom with a window, a large bathtub, a sauna and a corner – a laundry room. In a large room stylish, wooden furniture, chosen so that the room was comfortable, spacious and ensured maximum freedom. Renovation and arrangement of the apartment is a considerable expense.

 

A cash loan? Or maybe the credit limit?

A cash loan? Or maybe the credit limit?

A cash loan comes to mind. If the renovation is small, just compare the cash loans to choose the cheapest offer. It is worth taking into account the offers – cash loans, which were specially prepared for people who need additional funds for renovation.

Credit Loan has a special offer – Renovation Loan, with a 2% lower interest rate . The discount against the standard interest rate on the loan, which ranges from 6.99% to 18.99%. The loan can be obtained up to PLN 120,000 and the repayment spread over 72 months.

It is difficult to accurately calculate the total cost of renovation. To avoid a situation where the renovation will not be finished, but the money will run out, you can attempt a credit limit in your personal account .

It usually involves costs. They are small. At Rairai Bank, the commission for granting the credit limit amounts to 1.2% (at least PLN 50). The limit amount ranges from PLN 3,000 to PLN 60,000. The interest rate starts from 0%.

If we receive a credit limit on your personal account, we will not have the repayment dates set. The bank only requires regular inflows to its limited account.

An additional incentive are:

  • simplified formalities for people performing free professions (including doctors, legal advisors, dentists)

  • simplified formalities when transferring the limit from another bank (the maximum limit amount in the Limit for Limit offer is PLN 25,000)

The debt limit gives you security and financial security. We pay interest only on the amount used. Do not worry that the money for refurbishment will suddenly run out.

 

A cash loan or a mortgage loan?

A cash loan or a mortgage loan?

In the case of major refurbishment, mortgage loans can be used. Low interest rates (lower than cash loans) and the possibility of borrowing a large amount, which can be spread over a much longer period, are its advantages.

Difficult and long-lasting procedures, however, may discourage us after the first visit to the bank. A mortgage loan is granted against real estate. It will be necessary to appraise the real estate that the appraiser or bank employee performs. It is necessary to secure a mortgage loan. – In the land and mortgage register of our real estate, we must enter a mortgage for the bank.

It complicates the whole thing. Even more expensive cash loans seem more advantageous in this situation. Unless we really have a home for a major renovation, which will cost us a lot. Only in this situation is it worth trying a mortgage loan.

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Get Personal Payday Loan Now http://www.rangtreem.org/get-personal-payday-loan-now/ http://www.rangtreem.org/get-personal-payday-loan-now/#respond Thu, 16 May 2019 19:51:17 +0000 http://www.rangtreem.org/get-personal-payday-loan-now/

Among the reasons why you can be on a list like the Bank or the RAI can be the non-payment of an invoice, a fee that you have not been able to return or any other type of debt. This situation means that you can not access most of the credit products. If you thought it was impossible, with Small Lender it will become a reality.

Access loans with Bank thanks to certified lenders that grant loans with other types of guarantees, regardless of your situation. At Small Lender we analyze the market for you and offer you the financial products you were looking for. Do you want to know more about this type of financial product? Keep reading!

What are personal payday loans with Bank?

What are personal payday loans with Bank?

Mini-loans with Bank are a type of financial product offered by entities or private equity lenders, with generally short repayment terms. The amounts are usually below 3,000 euros, its purpose being to solve specific problems.

These quick credits with Bank refer to an economic amount that is lent to a person who is on the Bank list, the best known in Spain along with the RAI. Below we explain everything you need to know about these loans so you only have to worry about choosing the amount and time of return.

How can I use personal payday loans with Bank and without guarantees?

How can I use personal payday loans with Bank and without guarantees?

You can use the microcredit with Bank in what you need most. For example, if a fault has occurred in your home, in the car or in the garage; if you need to pay for private lessons or your children’s summer camp; if you have to pay the bills in arrears or even if you want to leave the list of defaulters.

Whatever your case, you do not have to find yourself in a hurry. Sometimes, we simply need help to take an expense. You can always enjoy loans with Bank and without endorsement if you request them with Small Lender. Do not hesitate and access the platform to choose the one that best suits your needs.

How to get personal payday loans with Bank and without guarantees?

How to get personal payday loans with Bank and without guarantees?

It’s very simple, you just have to request the money with Small Lender. We are a leading loan and credit company in the market. In addition, we provide all the payment facilities and we have a very intuitive platform so that no person has difficulties when carrying out the procedures to request their personal payday loans.

You just have to enter Small Lender to request fast money with Bank. On the home page, select the economic amount you wish to enjoy, as well as the return period. Next, you must answer a series of very simple and intuitive questions. In 15 minutes you will have the answer to your request.

What are the requirements to apply for loans with Bank?

What are the requirements to apply for loans with Bank?

You should know that the requirements to apply for personal payday loans with Bank and payroll are very few and do not vary in any aspect if you do not have payroll or endorsement. These are:

  • Be of legal age (that is, be 18 or older)
  • Have a bank account, preferably in Spain. The lender should know if it is a real person who submits the application before entering the money from the online loans
  • Have a recurring income, which can come from a subsidy, a scholarship, a contract …

How do you enter the money of the credits with Bank?

How do you enter the money of the credits with Bank?

In general, the money from quick personal payday loans is paid in less than 24 hours, but everything depends on the time of application. For example, if you request it from Monday to Friday in the morning and before 2:00 p.m. you have confirmation, you can have it before 3:00 p.m. on the same day.

However, if you ask for it in the afternoon, you will have your money the next day before noon. And if you do the procedures during holidays or weekend, it will be necessary to wait for the next working day so you can enjoy it.

How are these personal payday loans returned with Bank?

The personal payday loans being in the Bank and without Small Lender endorsement work in the same way as another type of credit, microcredit or loan. Once you enter our website, you can see the return period that ranges from one day to thirty days, to return when it suits you.

As soon as one of our personal payday loans with Bank is accepted, we will provide you with the information so that you can return it in the term you have chosen. In this way, you can adapt and flex it as you prefer.

Advantages of these personal payday loans with Bank

Advantages of these personal payday loans with Bank

The advantages are evident from the first minute: with the comfortable installments of Small Lender, you can return your personal payday loans at the Bank and without an endorsement and have the opportunity to advance your dreams and projects, pay off the debt that worries you or pay that unexpected invoice.

And is that hiring personal payday loans with Bank with Small Lender, all are advantages. We are leaders in money loans, we are the fastest in the market and we provide the best solutions adapted to each particular case.

Do not think twice and request one of our personal payday loans with Bank online ! We believe in second chances. Do you give us the opportunity to help you move forward? Visit already Small Lender.

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