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Is it possible to pay off the payday loan in advance ? How does it work? The early repayment of the payday loan allows the financed capital to be repaid to the bank before the contractual maturity. Each borrower can repay in whole or in part residual debt or only in part. Let’s find out all the details!

Mutual early repayment: Regulation

The early termination of the loan agreement for the purchase of the house, for its restructuring or for the purchase of buildings intended for the performance of economic or professional activities by natural persons is governed by the Bersani Law ( Decree No. 7 / 2007 , converted into Law No. 40/2007), which does not require the payment of any penalty if the loan was signed as of February 2007.

While, for mortgages stipulated before April 2007, penalties are provided, whose rates are variable also depending on the type of rate applied to the loan.

Total and partial extinction of the loan

There is talk of partial extinction of the loan when a sum is paid to the credit institution which is subtracted from the residual debt. It is possible to shorten the repayment duration of the installments, maintaining the amount of the loan installment unchanged.

In the case of total early repayment , the loan contract is definitively closed and the residual debt is repaid in a single payment.

When to pay off the mortgage?

It is not always advisable to pay off the loan in advance before its expiry, especially if a French amortization plan has been activated, whose interest must be paid in advance with respect to the principal amount.

Convenience decreases as installments are paid. Therefore, early repayment is convenient at the beginning, when most interest has not yet been paid.

What are the necessary documents?

What are the necessary documents ? Just send the bank a written letter informing you of the intention to pay off the loan in advance of the natural deadline, asking you to calculate the sum to be paid. Remember to attach a copy of the borrower’s identity document and a copy of the tax code.

So when they told me about Lender, and they asked me to attend a presentation of this financial tool, I hesitated a bit, but after entering and reviewing in detail what it was, I accepted that invitation, and the response From its creators and the explanations of its operation and what they would be implementing in a second stage I understood that, if there are people who are thinking about the structural development of this country, and who seek to provide users with tools that help improve their lifestyle, to make better decisions and to have greater empowerment of its economy.

“Lender, a financial tool to improve your decisions”

Lender Finance is a tool that will initially function as a credit card comparator, but not a biased one, but a true comparator, where with only a few actions within this site, you can determine which is the best card, which is right for you for different actions, that is, if you are a person who travels frequently, evidently that it suits you for these purposes, a credit card focused for that activity, but that really gives you a better experience, that helps you to make your expenses more efficient and that I provided you with concatenated services with such activity, so that at the end of each day or each use, you may feel that you have the power and that you are using said card, not because they offered it to you, but because within a group of same, with the same approach,You chose the one that best suits your conditions.

Provide better opportunities

Similarly, if you do certain activities, you will find that for each or in a group, there are credit cards, then, within that group, you can choose the one that suits you best, the one that pays the least, the one that you provide better opportunities and each one within Lender, will have a kind of valuation, always adjusted to parameters that are well defined, is a kind of protector of your personal finances.

Opportunity for consumers to that when choosing a financial product or service

With this idea, the friends Lender, as they mentioned during the presentation, do not seek to reinvent the wheel, because there are many services in other countries, and what they are trying to provide is the opportunity for consumers to that when choosing a financial product or service, they obtain the best for their interests, always based on objective and transparent parameters, that serve as a guide for a decision or decisions that will help to have a better performance and financial development.

Today, finishing a professional career has become only the first step, but then many wonder what is next, since in the competitive world in which we find ourselves, there are always opportunities to continue learning.

It is at that point that we begin to think about graduate studies

Popular masters have become one of the most recurrent goals of millennials, as they allow them to access better job positions and higher salaries. They have the option of studying them within the country or abroad, in specialized programs depending on the branch they choose. Many of them even include a trip abroad, where students spend a week or two in a chosen country to complement their studies or gain more knowledge.

With all that, it is logical that the costs are not the most comfortable and that when doing the calculations, many think that it is an impossible dream, because they verify that the numbers in some entities are usually through the clouds.

But, do you really have to leave that goal behind or are there options to study the mastery you are looking for? Something to remember is that there are always options! And in the case of master’s degrees, there are some alternatives that you can use to reduce the price to be paid, and also obtain the financing you need.

How to make it cheaper?

Many of the educational entities offer facilities for their future graduate students. Among them, there is the opportunity to request socio-economic discounts, so you can talk to evaluate the quotas assigned to you. The discount granted to you will depend exclusively on the entity.

On the other hand, they also allow access to discounts to those who obtain the highest group scores. In addition, it is also common to have the option of accessing a discount for prompt payment, that is, to register in advance, as well as to cancel the entire cash program. In the latter case, depending on the value of the master’s degree you can access an interesting percentage of discount.

How to finance it?

Financing is, perhaps, the most important part when deciding to take a master’s degree. And if you don’t have the money to do it, how can you sign up? First, something you should consider are scholarships. It may seem impossible to access any, but there are many scholarship calls through different organizations, both nationally and internationally.

The application may not be the easiest of all, but obtaining the financing of a graduate program is something that many people around the world want, so it is worth a try.

On the other hand, one of the most explored options is the request for a loan for educational purposes. There are financial institutions such as banks that have credits specially designed to cover the costs of professional or postgraduate studies, and offer different facilities for those who request them. Other entities make no difference, but financing is possible through a personal loan.

What should you consider when requesting financing?

First of all, the most important advice is that you must be 100% sure of choosing the graduate study that interests you. It is not just something that you like, but it contributes something valuable to your professional career, since you will begin to pay an amount not negligible for it.

It is important to verify the courses that make up the master’s degree, to make sure that, in effect, the topics you are looking for will be addressed.

You should think twice and up to three times if you will choose a program in your country or abroad, since the second option may involve additional expenses for accommodation, food, among other aspects. However, it is often possible to find cheaper master’s degrees in other countries and when doing the calculations, similar prices result.

On the other hand, you must make sure to request the adequate financing, with a loan that allows you to continue covering your regular expenses and at the same time, pay the designated monthly fee. The amount lent to you will depend on your credit history and answering the following questions will give you a basic idea of ​​how financial institutions see you: do you have a stable job? Since when? How much money do you have left over after paying your monthly expenses? Do you have outstanding debts? Are you behind on any?

Even when it comes to financing studies, banks and financial institutions need to verify that the applicant is a person who is in a position to take the risk and that he will return the loan he is requesting.

Do not forget, studying a master’s degree inside or outside the country may seem impossible, but the financing options are many, as well as the possibilities of reducing costs. All you need is to give yourself the time to find out what is necessary.

Founded in Sweden in 1943, Ikea is the best known furniture and decoration company in the world . Its founder, Ingvar Kamprad began selling everyday objects to his neighbors while riding a bike and ended up creating the empire we all know today. Let’s talk about shopping in Ikea.

As many of you will already know, shopping at Ikea can be a fun experience or, if you find it crowded with people at rush hour, an ordeal. To prevent the latter from happening, pay attention. In this article we will give you the best tips to buy in this store .

Choose a good time to go

On Saturday afternoon Ikea is not a furniture store, but a pilgrimage. Think that there are many people whose hobby is to go shopping and take advantage of the weekend to do so. If you go on the same schedule as them, you already know what you are going to find.

If you want to buy without stress you must choose a good time to go. The ideal is a weekday, if your work schedule allows it, and if possible in the morning. This way you will avoid agglomerations, disorder, queues, noise and, ultimately, chaos. Merchandising in Ikea is a work of art, so it is very easy to get lost inside looking at it and touching it all. To avoid this, be clear about what you are going to. Let’s see kitchens? Sofas? Decor? Focus on those products first and, if you have plenty of time, that most likely not, go for a walk through the rest of the store.

In addition, if you are clear about what you are going to buy in Ikea you can better control your spending. Otherwise you run the risk of going for a pot and ending with 300 euros less in the portfolio.

Look at the catalog before going

The previous tip will be much easier if before going to Ikea you consult their website and take a look at their online catalog. Everything in the store is in that catalog, by collections, with its price and with its measurements. From the sofa at home you can check without stress the items that interest you most. Keep track of the measurements when shopping at Ikea. You have to be very clear how much the width and length of the trunk of your car measures and what you can put in it. Take action by tilting the seats back and forth and don’t forget to comply with the safety measures. It is very unpleasant to find you in the parking lot with a huge package next to the car and without the possibility of putting it inside. Surely you know what we are talking about. Leave your children in the playroom. If you want to expedite the purchase, leave your young children in Smaland, the Ikea surveillance playground. It is like a giant nursery with toys, activities, ball pool, drawing area, slides … And above it is free. They will have a blast and you will buy more relaxed.

Visit the opportunity area

Two things can happen: that there is nothing of value to you, in which case you will only have lost ten minutes of your time, or that you find yourself authentic chollazos . For example, a sofa at half price just because it has an invaluable damage to the human eye. Other express advice. Use the maps and shortcuts to move more easily through the store. Do not write down the information on the labels, take pictures and you will waste less time. If you are clear about what you want, buy online and you just have to pick up your order. Use the home service if the package is too large. Use the Ikea Family card when you are at the ATM.

And nothing more! These tips will help you enjoy the best shopping experience in Ikea.

If you need an extra help, at Personal Loan we can offer you a fast credit of up to 2,500 euros (800 if it is the first time you request it) to return flexibly and in comfortable terms. It is very simple and will only take ten minutes. There is hardly any paperwork!

What is your credit score? Do you know how to increase your credit score?

Let’s look at the following article to find out the exact way to increase your credit score.

Increase Credit Score

Many people think that they don’t have a credit score yet. However, it turns out if you have a bank account or have applied for a loan, credit card, KTA (Unsecured Credit) and so on, you actually already have a credit score.

But, do you know what a credit score is? Credit score is the value given to each individual or debtor.

The purpose of a credit score is to be used by the creditor in determining the ability of the debtor or prospective debtor to fulfill their responsibilities and determine the credit that they submit.

Credit scores are important. Why is the credit score important? Because your credit score will affect when you want to apply for a loan. If your credit score is good, of course you will also get many benefits, you know.

A good credit score can help you to get a loan more easily. In addition, the interest on loans given to you can also be lower. That means the risk that you bear becomes smaller. Very profitable right?

However, if your credit score is low then you are indicated to be at high risk. The loan interest rate given to you will be higher. It’s even more likely that your loan application will be rejected.

The credit score usually ranges from 300-850. If the credit score is above 720, it indicates a safe zone. Whereas a score below 640 can make it difficult for you to get a loan.

Therefore, you need to increase your credit score. How do you increase your credit score? let’s see how.

5 Ways to Improve Credit Score

This time the Bobbsey Twins rubric will share the right way to increase your credit score. So, you can more easily get loans and of course with lower interest rates.

Here are 5 precise ways to increase your credit score:

Fixing Existing Errors

The first thing you need to do before increasing your credit score is to ensure that your credit report information is accurate. You must check if there is an error in writing an address or account that is not yours.

If there is incorrect information, then you should immediately contact your credit report company. To ensure that your data is always correct and accurate, you are recommended to carry out this inspection at least once a year.

This examination needs to be done so that you avoid prolonged problems.

Not Making a New Credit Card

Usually, the higher your credit score, the more credit card offers that come to you. With various offers that might be of interest to you, you should limit the number of your credit cards. You can only have 1-4 credit cards.

If you now have more than 4 credit cards, then you should reduce some credit cards that you don’t use. Don’t be easily tempted by existing credit card offers.

Make Automatic Payments

Because it’s too busy, usually many people forget to pay their credit card bills. As a result they become late paying bills. In fact, if it’s too late to pay, it will affect their credit score.

Especially if added to the fine imposed for late payment. Surely Ada doesn’t want to be like that right?

Therefore, one way to avoid late bill payments is to set up automatic payments for your bills.

At present, almost all banks have the “bill payment” feature. This feature can make it easier for you to manage payments repeatedly. You can see your credit card billing history. Then, write down the bill due date on a separate sheet of paper.

However, you also have to make sure that you have a good understanding of your cash flow. This is useful to find out how much money is left each month.

You can use the amount of money left over to pay for additional credit cards.

Adjust the Billing Date

Everyone has different payment cycles. Therefore, you need to adjust your bill due date with a date that makes it easy for you.

If the date of your bill falls before your payday date, you can try to change your payment date.

Although changing the date of payment is not easy or even impossible. However, it doesn’t hurt if you try it.

Don’t Use Excessive Credit Cards

You must ensure that the utilization of your credit card is less than 30%. If you use credit more than 30%, this can give the impression that you are experiencing financial difficulties.

Try not to rely on your credit card when shopping everyday.

It’s better if you use a debit card. If you use a debit card, it will make you less inclined to do impulse buying.

What is impulse buying ? Impulse buying is an unplanned decision to buy goods or services.

To find out more about impulse buying you can read Bobbsey Twins articles about impulse buying .

Success in Increasing Credit Score

After knowing how to improve your credit score, of course you can now apply these methods to increase your credit score.

If your credit score is high, you can get loans more easily and with lower interest rates. Good financial management will also greatly help you in increasing your credit score.

However, of course increasing credit scores cannot be done overnight. Therefore, you need to do the exact method above regularly.

By doing the right way routinely and doing good financial habits, surely you will get a good credit score.