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Friendly Finance Loan

Express loan for students and pensioners

Express loan for students and pensioners

Friendly Finance, with its multinational partner, is a long-term guarantee of success, proving a million satisfied clients across Europe. In the Czech Republic, it is a non-bank Loan project, with which financial aid of up to CZK 22,000 can be achieved with a maturity of 31 days.

One of the fastest loans in the market that adapts to your needs. In this respect, the company acts on a straight line, submits transparent contracts and can borrow money for longer. The car rental service is available 24 hours a day, 7 days a week.

Table of installments Loans

Loan Amount Due date Charge APR Total to pay
500 CZK 5 days 50 CZK 105015,3% 550 CZK
CZK 1,000 7 days 120 CZK 36744,1% 1 120 CZK
CZK 5,000 14 days 950 CZK 9224,3% 5 950 CZK
CZK 10,000 21 days CZK 2,300 3552,9% 12 300 CZK
CZK 20,000 28 days 4 695 CZK 1462,4% 24 695 CZK
CZK 22,000 31 days 5 236 CZK 1135,1% 27 236 CZK

Representative example: Total amount of consumer credit, total cost of consumer credit, total amount payable by consumer and annual percentage rate of charge – required amount: CZK 2,000, maturity: 31 days, fee: CZK 0, interest rate: 0 %, other costs: 0%, total amount to be paid: CZK 2,000, APR: 0%. The above representative example is only indicative for the first loan, which is completely free.

Join the loyalty program

Join the loyalty program

If you are not satisfied with the smaller sums, do not hesitate to ask for money again. This will bring you to the imaginary ladder higher until you reach the platinum level. At that moment, you are guaranteed to receive more money, but with a lower fee. Friendly Finance provider simply appreciates its clients.

Whatever your goal is a quick loan of any value, always be sure to have a good look at the contracts you have prepared and get advice on how to choose your maturity.

Rent-a-car is a non-banking solution that will satisfy a wide range of customers, including pensioners, mothers on maternity leave and students. In short, anyone who prides themselves on at least a minimum income and who is able to pay his obligations.

The Advantage of Renegotiating Your Mortgage

Perceptible changes are currently encouraging the real estate sector. Indeed, the decline in mortgage rates, about 2.36% in 2014, led to a surge in the implementation of new projects. This news undoubtedly appeals to people wishing to access a property, the various investors in the sector, but also and especially for those who have committed to a mortgage. Indeed, the data has changed, and well.

Buyback or Renegotiation: Profitable Profit

Buyback or Renegotiation: Profitable Profit

With this decline in the mortgage rate prevailing in the market, it is now possible for anyone who has subscribed to a loan to renegotiate or buy back their credit. There are not enough arguments to discuss with their banker. Indeed, nothing is easier than going to the site of an immo credit broker , of reference if possible, and to make a free simulation by including the new current settings. Obviously, to ensure his interests, the banker will advance additional costs to try to dissuade the customer, but the latter will always have the advantage since he will have the opportunity to change banks to make effective its buyback credit. And even that the fees in question will automatically be included in the terms of the new loan.

The steps to follow to buy your home loan

The steps to follow to buy your home loan

As said before, it is important at first to make a simulation of credit to see the benefits that can result. Admittedly, people with an unstable job situation will have to go their way because they will not have a chance to obtain the validation of their banker, whatever the arguments put forward. On the other hand, banks react according to a policy that can be anticipated. To keep their interests, they will make comments to keep the customer in his current situation. To get rid of it, any client wishing to renegotiate their mortgage will have every interest in buying back his credit and in buying a new one. Normally, the use of the online comparison device will attest to this great profit. So you have to think about establishing new files for the new credit. It may take a little while, but the game is well worth the effort.

The characteristics of the beneficiaries

The characteristics of the beneficiaries

If before, there was a question of classifying the people who can buy back or renegotiate their home loan according to the number of monthly repayments made, now things have changed. Indeed, before the client was obliged to be in half of his loan or to have repaid a year of it in order to hope to renegotiate with his banker. Now, even a loan of just a year can benefit.

Moneyland Bank Consolidation – Convenient Loans

 

Loan consolidation (for “normal” mortgage lenders ) is the perfect thing for those of you who, despite loans, loans, repayments, and so on. they don’t know where their head is! 
Imagine a simple situation: someone takes all your loans and merges them into one. And now imagine that it’s not just an idea but a reality, and that you can be the one who sets up a non-bank loan consolidation with us ! This is how you can use an American mortgage.

Do you have a thorn in your heel? Then we will be your tweezers!

Why want a non-bank consolidation ? And why with us?

Why want a non-bank consolidation ? And why with us?

  • Relief – that’s the main reason. Why do we keep the head on thinking about which payment to pay and which will “wait”?Why home with hundreds of papers associated with it? Be it invoices or reminders of non-payment. Merging loans will make life much easier. You will only be able to think of  one installment whose numerical value will be lower and still  low …
  • The interest – which we can knock down with us – below 7%! (Specifically, up to 6.9% after the fifth year maturity. In general, interest and repayment are reduced year after year.) What is the main? We guarantee it throughout the repayment period! Great, right?
  • Flexible repayment period – a very dear phrase, especially in advertisements, but it has something in itself. You can regulate how long you want to repay and thus install the installments. Some people prefer to pay less, but for a longer period of time, somebody likes it quickly from the neck, pays more, but sooner is without debt. Something else suits everyone.
  • Free of charge – do not pull a penny out of your wallet in our country!
  • Extensive Merging – No matter if you have 3 commitments or 13, we will merge everything into one so that it is most convenient for you!
  • Consolidating Loans Without a Registry – We’ll consolidate your loans without looking into the bank register! Whatever your drummer, we honor your privacy. A negative entry in a bank or non-bank register is not a reason for us to reject an application. And if there is a major problem in one of the registers (eg delayed repayments for some loans), it is not a problem for us to solve it by paying it.
  • Maximum Amount – If at all possible, we’ll provide you with the full amount you requested. In any case, you can apply for up to  60% of the value of your property with us. That is. almost the same amount they currently provide for a US bank mortgage and bank.

Real Estate Loan Consolidation

Real Estate Loan Consolidation

How does it work? Handy and easy. We will pay all that annoys you and unnecessarily burdens all your obligations, and we will send you what we have left to your account. What you do with the money is purely in your direction.

So what can you guarantee?

So what can you guarantee?

Basically any real estate. From the apartment, through the family house, cottage, cottage, to the empty building land. Even this property may not be yours. You can guarantee the property of the so-called 3rd person. It can be grandmother, grandfather, auntie, uncle, or a good friend.

What can you use your consolidation money for?

What can you use your consolidation money for?

  • Merge All Loans – You will only repay one with better interest and repayments.
  • Paying for a disadvantageous car lease – did you just hit a clumsy lease that doesn’t suit you? Never mind, we’ll fix it. We will pay the leases and you will pay as you like!
  • Reversing the Imminent Execution – We can pull you out of this mess too! You will borrow from us, you will pay what you need and you will set up installments so that it is as pleasant as possible for you

What will you need for  loan consolidation?

What will you need for  loan consolidation?

  • Photos of the property you guarantee – no preliminary contracts, no (unnecessarily paid) estimates or other documents, just photos.
  • Evidence of receipt – we do not need the fact if you are self-employed. Do you do business shortly and don’t have a DP yet? A start-up entrepreneur can also apply for loan consolidation with us! 
    Another is for employees. If you are employed, then we will have to ask you to confirm your receipt of income according to Act No.  257/2016 Coll. on consumer credit.Holt, the law is the law.

And that’s all, nothing more ! So if you are sure that our non-bank consolidation is right for you, you can directly fill out our non – binding online application. If something isn’t clear to you, don’t worry and contact us. We are happy to explain everything to you and to advise you with anything. You can choose not only the installment, but also the maturity period in the on-line calculator.

Long inheritance and the silent acceptance of the inheritance.

Debt inheritance can be a problem. The widespread taking of bank loans or loans from other lenders, combined with the often limited knowledge of heirs about the debts of the deceased and the principles of inheritance law, often results in the full liability of heirs for the repayment of such debts.

Silent acceptance of the inheritance.

Silent acceptance of the inheritance.

General rules of liability for inheritance debts on the example of a loan taken by the creditor, I presented here: Loan and death of the borrower. As a reminder, I will write briefly that the responsibility for inheritance debts depends on the manner in which the heir accepted the inheritance. Rejecting the fall does not have to pay off debts in general. By accepting a drop directly, he bears responsibility for undue debts without restrictions. He is responsible for repaying them with all his property and property of the deceased who inherited it. Limit your liability for inheritance debts by accepting a decrease from the so-called the boon of inventory. When he does, he is responsible for paying the debts of the testator up to an amount that is equal to the value of the inheritance he inherited. The heir then does not answer for inheritance debts exceeding the value of the inheritance.

Declaration on the acceptance of the heir’s inheritance should be submitted within 6 months from the moment when he learned about the appointment to inheritance, whether based on a will or on the basis of the act. He can do it in court or at a notary.

If he does so within this period, according to the current regulations ( Article 1015 of the Civil Code), fiction is accepted that he silently accepted the inheritance. Thus, he will be responsible for inheritances without restriction. And this is exactly how it is described in the media, a trap in which many heirs fall in, not knowing that passivity can have far-reaching consequences for them. Unlimited liability for inheritance debts with a silent acceptance of the estate is now the rule. Restriction under the law of liability for inheritance debts in such situations are exceptions. The law on inheritance currently provides for three such exceptions. They apply to:

  • people who do not have full legal capacity;
  • persons for whom there is a basis for its complete incapacitation;
  • legal persons.

That is, if on behalf of such heirs within 6 months no declaration of acceptance of the inheritance is made, it is assumed that the fall took the benefit of the inventory, and thus with limited liability for inheritance debts. Persons who do not have full legal capacity are minors, ie persons under 18 years of age and incapacitated persons.

At the same time, one must also remember about the principle that if one of the heirs accepted a fall with the benefit of the inventory, and the others did not submit any statement on time, it is believed that they also accepted the decrease in the same way. In such situations, the benefit of the inventory extends to other heirs.

Lack of knowledge about the state of decline may be considered a material error.

Lack of knowledge about the state of decline may be considered a material error.

The default construction of a simple acceptance of a decline in the passive behavior of the heir induces more and more controversy, despite the fact that it has been in operation since the beginning of the Civil Code, ie for nearly 50 years.

Recently, the Supreme Court, in connection with the case before it, issued a decision favorable from the point of view of people who had no knowledge of the inheritance, received it in a straightforward way, and later learned about inheritance debts. The Supreme Court ruled that:

Ignorance of the heir on the state of inheritance despite the appropriate actions taken, can be considered a material error (Article 1019 § 2 of the Civil Code in relation to Article 84 § 2 of the Civil Code) – Supreme Court decision of 5 July 2012, IV CSK 612/11.

The case involved the fact that the deceased entrepreneur did not leave the property, so his heirs, which were the parents and sister did not make declarations of acceptance of the inheritance. They silently accepted the fall of the deceased. However, they did not know about bank loans that he did not pay.

After 2 years, the bank (creditor) initiated the proceedings on finding an inheritance (the inheritance law creates such a possibility). With this bank, the heirs managed to make a settlement. Some time later, with another request, another bank appeared, as it turned out that there was another loan that was not repaid by the deceased. Heirs appealed to the court with a statement about the evasion of the effects of the silent acceptance of the inheritance. They also asked to take advantage of the possibilities of inventory. They lost in the district court. Similarly in the county court. As a result of the cassation filed, their case ultimately reached the Supreme Court, which considered the cassation for the benefit of heirs, considering that in the circumstances of this case it was possible to speak about the error of heirs. Nevertheless, the Supreme Court noted that if the heir rely on the error, he should show that within 6 months from the day he learned about the appointment to the inheritance until the silent acceptance of the inheritance, he took steps to determine what constitutes the inheritance. In the case at hand, the parents of the deceased entrepreneur checked his documents after his death, but they did not find credit agreements or other documents indicating debts to the banks.

The reputation of inventory at the silent fall party for everyone?

The reputation of inventory at the silent fall party for everyone?

The problem of full responsibility for inheritance debts in the case of so-called the silent acceptance of the fall was already noticed before. Along with the development of the financial market in Poland, it has become more and more important.

In the draft of the new Civil Code, on which the Codification Commission is working, as a principle, it is proposed to adopt the principle of limited liability for inheritance debts in the event of a silent acceptance of inheritance. However, to accept this inheritance law may take place earlier. Currently, at the initiative of the deputies of one of the opposition parties, work is underway on the amendment of art. 1015 of the Civil Code and the introduction of a solution consisting in the fact that the lack of a declaration of the heir in the planned 6-month period will result in the acceptance of the estate with the benefit of the inventory, i.e. with limited liability for inheritance debts.

If such a rule is introduced, the challenge will certainly be the issue of general inventory compilation, in order to determine what is included in the inheritance, what is the value and what debts the deceased left behind. Making an inventory of the inventory belongs to the court bailiff who performs the relevant court order in this regard.

ATTENTION!!!

On 18 October 2015, the Act of 20 March 2015 amending the Civil Code and certain other acts (Journal of Laws of 2015, item 539) amending the effects of the silent acceptance of the inheritance came into force. You will read about it here: “Silent acceptance of inheritance and debt inheritance – changes”. The principles described above apply to inheritances opened before 18 October 2015. To the inheritances left by those who died that day or later, the new rules related to the tacit acceptance of the inheritance are applied.

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