Archive December 17, 2019

Debt and loan – Creative Finance

 As you know, it is not a problem to borrow, but a much bigger problem is to give back, the more on time and even more so than we borrowed.

As you know, there is nothing for free at banks or loan companies. No one will give us a loan without an additional commission or interest rate.

There are promotional offers


For payday loans for PLN 0, but only once. Such a client, once he uses the services of a given company remains his client, gets encouraging information to take another loan. Of course, we do not have to use such offers, but I know from experience that most use. Well, because if someone gives, someone offers us to borrow cash, why not use it?

Unfortunately, a lot of us do not know moderation and they are in debt too much. As a result, there are problems with the repayment of loans, we do not always regulate repayment on time and therefore we have to bear additional costs and fees.

We take one payday loan, then the next, then we see the installment loan offer available immediately and we also take it. This is how the debt loop is created, from which it is very difficult to get out.

In the case of debts

The form of several bank liabilities, there is not such a tragedy because we can get a special consolidation loan to repay several different bank loans or debits. All such commitments are combined and thus we pay one and lower installments. In the case of non-bank loans and payday loans it is not so easy. There are some non-bank consolidation loans, but they are extremely expensive to pay back.

The only option that I would recommend in such a situation are companies granting loans with an additional giraffe or loan guarantor. Such companies grant high non-bank loans to pay their liabilities, but these loans are not that expensive to pay back. It is due to the fact that two people are responsible for repayment of the loan, i.e. both the borrower and the resident / guarantor of the loan.

The most sensible solution

To getting out of debt is to look for alternative ways to raise money to pay back the debt. Maybe extra work, some extra classes after working hours that will provide us with additional income enabling repayment of debt even in installments.

It’s worth looking for additional earning opportunities on the internet. Maybe we just find an occupation that suits us and which we can do without major problems?

What is an annex to the loan agreement and when should it be drawn up?

When changing the terms of our contract, we must remember that everything will be properly created and approved. Companies apply changes in the form of an annex to an already concluded contract. The annex must be created in the same form as specified in the contract concluded with the borrower.


What is an annex to the loan agreement?

There are situations when you need to revise an existing loan agreement. The annex to the contract is a special document that allows you to make changes to an existing contract. The lender may correct its content and add new provisions. In the case of loan companies, an annex to the contract may be, e.g. a new loan repayment schedule. In the contract itself, the changes may concern loan fees, commissions or changes in the currency of the loan. The Annex may also correct errors that were previously introduced in the contract. Importantly, there are no limited number of annexes to one loan agreement. By creating an appropriate annex to the contract, the parties do not have to sign a new, correctly updated contract.


What should the annex to the cash loan agreement contain?

loan agreement

Each document must be properly prepared. The annex to the contract should contain the following data:

  • loan agreement number,
  • date and place of creating the annex to the contract,
  • parties to the contract (lender, borrower),
  • the date from which the annex will become valid,
  • signatures of the parties,
  • changes to be made in the annex.


Annex to the loan agreement, extension of the repayment date

loan agreement

Each of us may experience a situation when it is not enough for us to repay the commitment made in the loan company. In such a situation, it is worth considering extending the loan repayment date. The first thing we need to do is contact customer service. This situation should be reported immediately to avoid any unnecessary problems. If the company makes it possible to extend the repayment, we are saved. In the absence of a record of payment, the lender has the right to initiate debt collection and court proceedings as well as to charge additional fees in the form of interest and commissions. An indebted person who has not been contacted to explain why the loan is not repaid may be entered in the register of debtors. In the future, this may result in you being denied if you want to apply for another loan from both a banking and non-banking company. If we agree with the loan company to extend the repayment of the liability, an additional document will be prepared for us in the form of an annex to the contract.


How to write an annex to the contract?

How to write an annex to the contract?

The annex to the loan agreement must be properly written, so it is important not to forget about a few important elements. As provided in the Civil Code, Article 77, the annex to the contract should be prepared in the same form in which the contract was created. The annex to the contract must contain the elements that have been introduced for the change. The date of the annex and the signatures of both parties are also important. If the contract is created incorrectly, it will be legally invalid.


Withdrawal from the loan agreement

Withdrawal from the loan agreement

If we took out a loan from a non-bank company, we must know that we have the right to withdraw from the loan agreement within 14 days of signing the agreement with the lender. Every customer has the right to change their mind. One of the attachments of the received contract should be the withdrawal from the loan contract. The document should contain the personal data of the person resigning from the contract with the loan company, the date of receipt of money from the loan on the bank account, and information on the amount borrowed. Withdrawal from the loan agreement may be delivered by post, e-mail or in person by the customer. We must remember that within 30 days all receivables should be returned to the lender’s bank account. A non-banking company has the right to charge additional interest from the moment the money is received to the borrower’s bank account.


Termination of the loan agreement

Termination of the loan agreement

Termination of the loan agreement is completely different from the abovementioned withdrawal from the loan agreement. The lender has the right to terminate the contract with the client if he fails to comply with it. A non-banking company also has the right to terminate the contract if the indebted person becomes insolvent. If the customer has no problem with regular repayment, he will certainly not encounter such a situation. In the event of withdrawal from the loan agreement or termination of the contract, an annex to the contract may be drawn up.

Goodbank Consumer Loans

You may need additional financial resources to make a desired purchase. Consumer credit could be a solution in this situation. Goodbank offers good terms for this type of loan.

Getting a Goodbank loan is easy, the loan terms are reasonable. Just apply for a loan and Goodbank will make a quick decision. To make a decision, each situation will be assessed on its own merits, and you may need a credit vacation, which may be partial (you will have to pay interest) or complete (you will not have to pay interest). Goodbank also offers this option.

Goodbank loans are available to all citizens of countries over the age of 20

Goodbank loans are available to all citizens of countries over the age of 20

Those who have a valid residence permit in Latvia, valid for at least 6 months after the application deadline, can also apply and receive Goodbank consumer loans. All you need to do is register and complete the application.

Big commission contract fees for loan agreements:

Extension of the loan term

Credit costs

The table below compares the credit company’s loan offer, using criteria such as loan amount, monthly payment, loan costs, annual interest rate, term. The annual percentage rate of charge is calculated on the condition that the total cost of the loan includes the contract fee.

All the data used in the comparison table

All the data used in the comparison table

Is taken from the information available on the home page of the respective credit company. Credit costs, commissions, and other loan terms may have changed, so it’s a good idea to check the credit company’s website before borrowing money.

monthly payment


  • Evaluate your repayment options and be responsible! Don’t borrow if you don’t need it! Before borrowing, read the terms of the agreement and contact the lender if you have any questions.
  • Fill out a loan application and start your way to money today! After submitting your application, your personal client manager will contact you within 24 hours. If so, the money will be credited to your account.
  • The loan agreement can be terminated at any time without additional charges

Right of withdrawal

The Borrower may exercise the right of withdrawal and withdraw from the Credit Agreement within 14 (fourteen) days, see here for more information.

Information on penalties

In the event of default, the debt recovery process may be initiated, the right of claim transferred to third parties, adversely affecting the Borrower’s credit history and possibly the credit rating, which may result in the service provider being refused. In the case of late payments, a penalty is calculated of the total amount of late payments for each day of delay.

If there are solvency problems with Goodbank

If there are solvency problems with Goodbank

  • Find a solution immediately, contact Goodbank as soon as possible.
  • In the event of a one-off delay, the payment date may be changed once.
  • If the payment date is a long-term issue, the payment date can be changed for the entire schedule.
  • If the decrease in income is temporary, you may take a grace period.
  • If the decline in income is permanent, you can extend the loan repayment term, thus reducing the monthly payment amount.
  • If none of the standard solutions apply, arrange a face-to-face meeting with one of the consultants

Where a Loan Without Credit?

Cheap loans online. Timetables and travel planner by public transport – Warsaw. The private shareholder will grant a loan for interest. Objective: the subsidy must apparently be granted for investment features; loan size: the aid can be granted a ceiling of up to 500,000 Loan based on a civil law agreement.

Capital – online loans

Capital - online loans

Loan based on a civil law contract. Capital. Loans for bailiffs. We present you mixing the best payday loans and non-bank loans available to people cheap loans for young indebted persons, plus with a debt collector. Molecular Formula TFAD – Physico-chemical Properties.

The Loan and Credit loan alliance includes speed, online convincing, tactless guarantees, trouble-free application, even if you have already borrowed another loan and, above all, a renewable loan path. Classifieds Finance Lublin.

Free online payday loans for new customers. Read a friendly snippet previously a private loan grant under a loan document lilak sc debt debt with a bailiff private support from stock debt collection debt payment.

I will grant a loan: I grant a private loan up to the amount of 10,000 clear for a hearty detail. Interested persons please contact me: I will borrow coins from a private lady – lilac bik and krd, opinions I am in a difficult financial need, after all, apparently I would never dare to lend money from a private and stranger.

Resolution of the commune authorities regarding taking out a loan

Loans for debtors with debt collectors. Cash loan at the customer’s home. Quick assistance via Net. Free Private statements. The amount of the loan always depends on the individual assessment of the client’s creditworthiness and, in the case of great clients, on the results of cooperation. Admission by a bailiff of advertisements conducted in.

I will grant a private loan for a promissory note – monetbank. Loan amount up to USD 50,000. You need a loan for an ID, you don’t know what to derive from your choice? Cooperation with employees of leasing corporations I have a subsidy with postal order, currently blocked bank account.

Congratulations – meticulous smoke with this strap. Our website in social media. Top up your account with USD 1,000 in August 2019 and complete 5 transactions.

I grant loans advance payment

Insurance YOUR LINE contemporary equal insurance, ability to continue insurance after earlier (and in the case of early repayment of loans Long-term loans – you pay in installments – Moniak. Info. Loans via Net or phone in 3 ceiling steps. Holidays – the best under the sun! Miscarriage payment BIK, it is determined by the resilience of obtaining credit and thick trouble-free and careful internet service in non-bank companies. Personal loan / Credit: farmer, industry, real estate.

Loans related to cash accumulated on a bank account, granted by a foreign agent to a foreign entity are not subject to PCC – order adaptation of the NSA’s order. Exercises for a better person for students.

I am looking for a loan – 50,000 USD standard, max. Fpn said written notice specifying the crime committed, the amount to be paid, the reality of the hostess punished and the atmosphere of repayment. Resolution of the municipal authority regarding the choice of the mask to determine the fee too municipal waste management.

Stylish ideas to use your payday pay consolidation – Payday payday consolidation

Every person may have a worry in life and then we need a substantial amount of money. Usually in this type of situation a lot of people support with payday loans.

It is an effective output until we pay our debts on time. What to do while loan installments are starting to overwhelm us? The answer to the constructed query is consolidation of payday loans. The only such solution that is able to restore our budget to actual balance.

Online Payday Loan are in fact that it is very easy

Online Payday Loan are in fact that it is very easy

Getting this type of loan is not a simple matter. However, if we stick to the basic rules involved, we will soon be able to free ourselves from the annoying debt loop.

What everyone else does when it comes to payday consolidation, and what else you should do

The consolidation of payday loans belongs to those credit goods with which sooner or later every credit consultant just has to come across.

Online Payday Loan are in fact that it is very easy for us to take them, but with the return it is already various. It often turns out that the loan, which was supposed to be only for a moment, stayed with us for longer and we have to think about how to pay it back.

Fundamentals of payday consolidation that you can use today


Taking the next payday loan is pointless, for it is clear that in any case this does not solve our problem as a whole.

Notorious debt due to payday loans is a constant problem for our borrowers. Loan specialists point to one effective solution. It is consolidation of payday loans.

One commitment that integrates all our loans. It minimizes the expenditure of service, dramatically reduces interest rates and allows you to get a good night’s sleep.

The most common household expenses. What do Poles spend the most money on?

Usually, words like “home budget”, “bills”, “rent” or “counters” evoke unpleasant feelings. No wonder – each of them means farewell to their money. At the same time everyone probably does not notice that these expenses are to secure a proper standard of living.

Let’s take a closer look at the goals that slim down Poles’ wallets and see the possibilities for stabilization and increasing the number of zeros before the comma at the end of the next month.

Statistics: those boring and those necessary to think about

Statistics: those boring and those necessary to think about

The CSO is a very interesting, and somewhat extremely useful source of knowledge about society. It allows you to look at trends prevailing among Poles from a slightly greater distance, thereby increasing the chance that you will make a personal analysis of what is happening around you.

We recommend that you review the data we collect from various sources, including independent surveys and data from the Central Statistical Office, as they may cause you to reflect. We only present anonymous data because we do not want to apply any labels to our readers. Please treat the following information only as curiosities from the realities of Polish society.

Domestic expenses of Poles

According to the Central Statistical Office, the most common expenses typically for Polish households include:
– food shopping;
– charges related to housing (rent and meters, including energy and repairs).
The above list is dominated by expenditure on food and non-alcoholic beverages, amounting to approximately 24% of the money earned in a month. Rents and bills absorb another 20%. Renovations along with household appliances are on the border of own and credit expenses.

Other expenses

In total, Poles spend on average 90% of the money earned, with a large number of respondents admitting that they live in the style “from first to first”. The reason for this can be both low earnings – despite quite high rates, which have increased significantly over the past 15 years – and the lack of ability to control the household budget.

In addition to spending on food and housing, Poles’ wallets also slim down:
– transport (city / national transport and / or gasoline) – around 9-10%;
– communication (cellular, internet, postal etc.) – close to 5%;
– clothes (clothing and footwear) – within 5-7%;
– culture and recreation (of any kind) – just over 6%;
– restaurants and hotels (also any) – on average about 4%.
The above data indicate that, in fact, the average Pole will spend quite little on himself, especially taking into account that the data from 2017 indicate that the average income per person is in the range of PLN 1050-1100.

How to build a good credit history?

A positive credit history is proof for financial institutions that we are reliable and trustworthy. In turn, we can be sure that the bank will grant us a loan or credit and count on better credit terms.

It all depends on what data about us flows to the Credit Information Bureau. So what to do to enjoy a positive credit history?

What does BIK do?


BIK, i.e. the Credit Information Bureau, collects data on the financial obligations of bank customers, credit unions and loan companies. The data collected in this way is our credit history.

BIK collects both positive and negative information about us. On this basis, he gives us a score. This is an important guideline for banks and other financial institutions that allows them to assess our creditworthiness.

BIK provides banks with financial institutions with all information gathered about our financial obligations and their timely repayments to help them decide whether to grant a loan or a loan.

What is a credit history?


Credit history is a collection of all information about the current and past financial obligations of each of us.

This information is sent by financial institutions to the Credit Information Bureau, which then makes it available for inspection to banks, credit unions and loan companies in order to easily verify the customer’s creditworthiness.

Negative information – about arrears of debt repayment, as well as positive information about repayments – is sent. They concern various financial products: loans, borrowings, but also overdrafts or credit cards. The credit rating awarded on this basis by BIK determines our credit history.

The more positive information, the better chance we will have for a better bank loan.

However, if our credit history is negative, we may have a serious problem getting a bank loan or even a loan from a loan company. Negative information on repayment of debts is visible for 5 years from their completion.

Bad credit history versus no credit history

Bad credit history versus no credit history

Paradoxically, having a bad credit history is not worse for us than its complete absence. Because if there are no records about us in the BIK database, financial institutions will not know what to expect from us, and therefore they will not have grounds to treat us better than people with a negative credit history. What’s more, it is possible that despite the fact that we have already repaid some financial liability on time, this information will not appear in the BIK database because we have not consented to the processing of data on the repaid loan.

In such a situation, the bank may increase our margin or require us to pay a higher commission. It may also turn out that the bank will give us a smaller loan than we want or we will receive it for a shorter period. The bank may also refuse to grant us a loan or credit, however, this applies to extreme situations and highly indebted persons.