Yearly Archives: 2019

Mortgage loans for an apartment | Credit simulations and a list of banks

Mortgage loans for flat comparison of banks. Familiarize yourself not only with the proposals of banks and loans for the purchase of an apartment, but also with experts who will help you find such a loan.

Are you going to buy an apartment? The first and basic step should be checking your creditworthiness to know what flat you can look for.

Another thing to keep in mind is the required own contribution, which currently (2019) is 20%.

You can search for bank offers yourself. One should only go to the banks and collect banking offers. If, for example, we are looking for a mortgage for PLN 250,000 for 25 years, having the offers and calculated rrso calculated, you can determine the ranking of loans, and thus choose the best solution.

Mortgage loans for a flat calculator

Mortgage loans for a flat calculator

Mortgage loans for housing can, among others, be searched with a loan calculator. The mortgage calculator, however, primarily helps in the estimation of loan installments. By entering the parameters of the loan, for example a mortgage loan of PLN 150,000 for 30 years, we will estimate credit installments. These are indicative calculations.

Mortgage loans for a flat financial broker

Mortgage loans for a flat financial broker

A financial intermediary is a very good direction when looking for a favorable mortgage. And whether it is going to be a mortgage for 70 thousand zlotys or a housing loan for 150 thousand zlotys, it is worth meeting a financial expert. This is a free meeting, at which the specialist will not only compare mortgage offers for us. In addition, we will calculate our creditworthiness and answer many mortgage questions.

A mortgage loan does not necessarily have to be used to buy real estate. It can also be used for renovation / modernization or general finishing of a house or flat. And the amount of the mortgage 50 thousand PLN, 60 thousand PLN for such a purpose can sometimes be too small. What else can you use for a mortgage? For example, for the purchase of building plots, reconstruction or extension of a single-family house or even for the adaptation of non-residential premises into residential ones. As you can see, these are primarily residential purposes.

Help with payday loans debt -Whats debt consolidation

Whats debt consolidation

Government debt consolidation loan 

A government debt consolidation loan is a loan given by a government program to help a person pay off debt to multiple institutions. By collecting these loans, the debtor is able to make just one payment at a time, rather than many payments. Not only are these loans more convenient, but also ensure that all loans operating under the same, often lower interest rates. The interest rate is usually lower because government loans are considered “secure” debt, while loans from other institutions are termed “non-secure.”

Most often, a debt consolidation loan at is used to help people pay off loans. This is done to help us without a high credit score get the best possible interest rate. As a result, we are able to get out of debt faster and easier.

When a person signs up for a public debt consolidation loan, the government’s body or consolidation company pays the debt in its entirety to all collectors. The commander then issues a new loan for the same amount with a safe interest rate. The borrower is obliged to repay the consolidation firm in full compliance with a set of predetermined terms.

An advantage of a public debt consolidation loan is the convenience of this type of loan offer. Instead of loan payments to various suppliers, the borrower is able to make a payment to one institution. The loan can always be paid out on the same date, and the borrower does not have to worry about the different schemes and rules. Without the confusion of multiple payments, a person is a better chance of getting out of debt with less stress for a shorter period.

Another benefit of debt consolidation is that monthly payments are often lower. Many times, the length of the loan can be increased in order to reduce monthly payments and make repayment more affordable. There are often a wide range of payment plan options, depending on the consolidation company.

There are four common programs offered by a government debt consolidation loan. The standard payback plan sets out a total monthly payment amount that is consistent over the time of the loan. The extended payment plan increases the time of the loan, therefore the monthly service falls. The graduated payment plan starts out with a lower monthly payment and rises after a certain period. Finally, the income contingent plan takes into consideration the borrower’s income when determining the monthly payment.

What is a Payday Check Loan?

Currently, various types of loans are a financial instrument that arouses great interest among customers. Just like people who have the financial means to cover the purchases they need, or even the usual “whims” are not benefiting from this type of solution, this is different for people with a slightly worse financial situation.

These people are not enough to cover their own most important obligations or cover them, without leaving the opportunity to buy other equally-needed items or repayment of other debts, are an optimal solution, allowing for:

  • On the one hand, the repayment of the most important commitments,
  • On the other hand, the “use of life”.

However, it should be remembered that lenders’ offers should be used only when we are sure that we will be able to repay the due liability in due time, and thus we will not lead to a situation in which we will become even more involved in debt!


What exactly is a Payday check?

What exactly is a Payday check?

Payday’s check is one of the solutions on the financial market, ensuring constant money turnover. Payments of funds using the Giro check method have been used for many years and have been popular even before people have had bank accounts.

Payday check payouts are carried out with regard to the postal money withdrawal system. It consists in the fact that the institution that has issued a check in the form of payday laon, transfers money to the post office or to the Bank Pocztowy and from there the person with the payday check and fully entitled to carry it out, may withdraw funds.

payday check is a very good alternative when we take a loan or a loan:

  • We do not want money to reach our bank account,
  • We do not have a bank account,
  • We want to receive money immediately – without having to wait for the transfer to be posted,

Currently, the most popular form of transferring money between individuals and institutions are bank transfers, but it is still possible to issue and carry out a payday check, because not everyone has an obligation to have a bank account – and even if you do not want to use it, maybe easily ask for the payday Check and collect money at the Poczta Polska or Bank Pocztowy branch.


How and where can you cash the payday check?

How and where can you cash the payday check?

As it was mentioned above, the payday check can be carried out at any branch of Poczta Polska or Bank Pocztowy. In order to cash a payday check, you need some necessary documents:

  • A valid ID card confirming the identity of the person who pays the money. This allows for the unambiguous identification of the person authorized to cash the payday check,
  • payday payment form – it is a payday check with details describing the transaction to be made, ie: for whom the money is intended / who is the person authorized to carry out the check and, above all, what amount the transaction is to be dealt with.

The payment of money using the payday check method is very simple, which we can guess by reading the information above. After receiving the payday check from the banking institution, it is enough that we go to any Poczta Polska outlet and there, upon presentation of a valid ID card and the payday form, we will receive the money.

Thanks to the payday method, you can receive the money immediately – without waiting for the account operation to be booked!


payday check loans

payday check loans

To obtain a loan via the Internet, a verification fee is usually required (usually PLN 0.01 or PLN 1), which is returned to the applicant’s bank account after completing the bank account verification process. Some institutions offer loans without the need to perform a verification transfer – in this case, we perform verification by a special application.

In a situation where we want to avoid these activities or simply do not have a bank account, we can take advantage of the opportunities offered by the payday check.

To get a loan in the form of a payday check, we have to choose the right company offering this type of cash transfer, because not all institutions offer this solution. It should also be remembered that in the case of submitting an online application for a loan as a loan – indicate in the form that we expect payment of funds in the form of a payday check.

Withdrawal of cash for the payday loan is a free option, which is not charged with any additional costs. The only requirement is that only the authorized person with valid identity card must report to cash receipt at the post office. If you want to learn how to live with unpaid debts, check here.

Non-bank institutions offering quick loans in the form of a payday check include:

  • BOSS Loan
  • Aasa dla Biznesu (loans for companies)
  • Credit OK
  • TAKTO Finance
  • Mikrorata
  • Light loan
  • Aasa Polska (loans for private persons)
  • Ratka
  • Super Grosz
  • Optima Loans
  • Easy Credit
  • SMS365

It is also worth mentioning that in the case of loans with a payday check, it is possible to get from PLN 1000 to PLN 10,000 on average – in some cases up to PLN 15,000 or even PLN 25,000!

Your credit now! The 11 loans you can get in less than 10 minutes


Not only is the processing fast, but this type of company is able to communicate in a few minutes if your loan has been granted, and transfer the money to your checking account almost immediately.

These are the 11 fastest microloan companies in the market with which you can get your credit now:

The 11 fastest companies to get your credit now

  • Loan 10: for new clients, the loan limit is set at 300 euros, although if you request another one in the future, the limit will be increased up to 750 euros. You can return it within 5 to 30 days. For example, for a loan of 300 euros to be repaid in 30 days, we would pay 96 euros in fees. However, if you are inside ASNEF, you should know that they will not grant you the loan.


  • Pepe Dinero: this company also offers some very fast processing processes, so in just over 10 minutes you will know if you have been granted the loan. The limit for new customers is 250 euros, and you can return it within a maximum period of 30 days. Once you have contracted your services and returned a first loan, the limit will increase to 500 euros. For a loan of 250 euros to be repaid in 30 days, we would pay 83 euros in fees.


  • Mr. Finer: this is another of the best known companies that offer fast microloans to request in less than 10 minutes. The limit is 300 euros for new clients and 900 euros for former clients. The amortization period ranges between 5 days and 35 days. The first loan is completely free and free of commissions and interests.


  • Good thing: in this case, the limit of the loan for new clients is again 300 euros to be repaid within a maximum period of 30 days. For a good loan of these characteristics we would pay a total of 89.1 euros.


  • Cashper: this is another of the leading companies in the sector that offers the possibility of applying for credits in just over 10 minutes. In the case of a loan of 300 euros to be repaid in a period of 30 days, we will only have to pay 95 euros in fees, returning a total of 395 euros.


  • Hello Money: we meet again with a fairly fast company regarding the request and acceptance of microloans. Your credit limit is 1,000 euros and you can return the money within a maximum period of 31 days. Another of the most interesting points is that they offer the possibility of getting a first loan for free without paying interest.


  • Vivus: it is one of the best known fast loan companies in the market. Its processing takes approximately 15 minutes. We can request a first loan in Vivus of 300 euros to return in 30 days completely free of charge.


  • Microcredits 24: unlike other credit companies, in this case we are offered much more flexible conditions. We can request loans of up to 750 euros and return them in terms of up to 90 days. To make matters worse, the first loan you hire with them will be completely free.


  • Lunacredit: in this case, the credit limit is 1,000 euros with a maximum return period of 30 days. In the case of requesting 300 euros and returning them in 30 days, we would pay a fee of 99 euros. That is, we must amortize a total debt of 399 euros.


  • Twinero: this company offers the possibility of processing loans quickly and easily. In a few minutes after the request, the user will receive a message on his mobile phone where he will be specified whether or not the loan has been granted. The credit limit is 300 euros and can be returned within a maximum period of 30 days. For example, for a loan of 300 euros to be repaid in 30 days, we would pay a commission of 105 euros.


  • MoneyMan: this lender is not only one of the fastest in the market, but also offers a first loan with 0% interest of up to 300 euros to be repaid in 30 days. The application process is extremely simple and will not take you more than 10 minutes. In addition, you can find out if your application has been accepted in just over 15 minutes. Better impossible!



In the article “What risk if I act as guarantor”, I have been able to analyze in detail what is meant by guarantor what are the elements that characterize this contract.

I then presented the central figure and that is the true “protagonist” of the guarantor, namely the guarantor.
Just to refresh the memory of everyone, the guarantor (or also said guarantor) is the one who assumes the obligation to ensure that the claim claimed by the creditor is met in the event that the debtor is in default.
But I have also highlighted everything that being a guarantor implies, therefore the risks involved (obviously in the hypothesis in which the debt is not paid).
But I do not want to repeat myself too much, so I strongly suggest you read the article about it because it can really help you.

Given what has been said, the guarantor decides to become himself as a sort (let’s say this but it is not the correct term) of a debtor on a par with the original one with all the implications that this entails.
But then, the question that arises is whether the guarantor also has the power to decide if and when to end his position, namely “Is it possible to stop being a guarantor of a loan”?

How to take off as guarantor of a loan of others

Supervisor-loan The fact that the guarantor decides of his own volition to oblige himself could make one think that then he also has the faculty to decide when he should no longer do so.
But will it be true? Or does becoming a guarantor hide something more complicated?
The answer is not so immediate.
First of all, I appeal to various rulings by the Supreme Court in which it is pointed out that, in general, the guarantor is not recognized as such , unless it is the same bank to grant it (which will happen only if the first replaces a new guarantor) .
The reasons for this position? They are recognized in the intrinsic nature of the surety itself, whose purpose is precisely to allow the creditor to be guaranteed his own credit thanks to the possibility of claiming on the guarantor in case of default of the debtor. Certainty is given to his credit.
It is therefore clear that, if the guarantor had the possibility of rethinking, this certainty would be lost.

To take off as guarantor can you?

To take off as guarantor can you?

Fortunately, this does not mean that there are no cases where this is admissible.
There are indeed exceptions:

  • – The Court of Cassation has made a distinction between: a) fixed-term loans, for which under no circumstances is the unjustified withdrawal before the deadline; b) open-ended loans, in which the guarantor may withdraw, but the withdrawal only operates against debts arising after the withdrawal, while the guarantee remains in favor of all debts incurred up to the moment in which notice is given by withdrawal;
  • – It is possible to free yourself from the guaranty bond when the guarantor pays his debt, ie paying half of the remaining debt. It is essential in this case that the credit institution issues a release to the subject, which is that document that protects it from any future requests;
  • – Falsification of the signature of the guarantor, for which to sign was another person;
  • – When the guarantor has been obliged to sign;
  • – When the signature was obtained through deception, for which the subject was not aware of what he was signing, the real purpose and the duties related to the signature;
  • – The last case is the one already mentioned of the replacement of the guarantor with a new one, which has been “accepted” by the bank (which will check that it can guarantee the credit in the same way as the original guarantor).
  • In short, becoming a guarantor has its beautiful load of responsibility, this is undoubted.
    Fortunately, “loopholes” have been planned to lighten the situation.
    So, if you ever decide to become a guarantor or if you already are, keep in mind that it is not said that you will be alive, just because there are cases that allow you to withdraw.