Credit Card Review: Orsbinbank Minima Visa

The fantastic thing about the Orsbinbank Minima Visa card is the fact that it is not only a low interest rate credit card but also offers a low rate as it is also a credit card with balance transfer. You can consolidate your debt with interest of 3.99% during the first six months. This will allow you to reduce your debt significantly.

Plus, if you have an unpaid balance and are nearing the end of the promotional period, you do not need to panic. After the promotional period, the interest rate will not explode upward like other cards on the market. The Visa Minima card at a low interest rate of 11.99%. This is a much more advantageous rate compared to traditional credit cards and credit cards with transfer of solve. This is an excellent opportunity to reduce the debt on your unpaid balance.


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you should know that there is a 1% charge for all balance transfers of more than $ 100 during the promotional period. You should also know that this particular credit card requires an annual fee of $ 29. However, the fee is probably worth it if you count the amount you will save in monthly interest. You will also receive a 20% discount on the rental of a vehicle with Avis, a plus!

Review your statements 

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Know how much you owe, how much you pay each month, and when each balance is due. Reviewing your statements is also important to ensure that there are no erroneous charges and that your payments are tracked correctly.

If you finish paying your credit card during the promotional period, you will pay much less interest than on your regular credit card. It is obvious that if you have a debt with a high interest rate and want to reduce it, the Orsbinbank Minima Visa card could be a good choice for you. Pay your bills on time – Now that you know the amount of your monthly payments, make sure you pay them on time. If you can not pay the entire balance, it is very important to make at least the minimum payment for each invoice. Failure to pay your bills on time will negatively affect your credit rating.

Debt and Thought Spending 

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Do I have to go through a broker for a mortgage?

The real estate project always requires to be very attentive in order to obtain the best financing. In this respect, borrowers have the choice: to approach their banker or to call on a mortgage broker to find a solution. It is obvious that a banker presents only his offer while a broker can present many offers of the partner organizations.

Use a broker: what are the benefits?

Use a broker: what are the benefits?

In fact, the broker is an intermediary between banks and borrowers who accompanies them in their choice of a mortgage. You can opt for large networks or for independent brokers. First, the broker helps you build your case by highlighting strengths. It analyzes your financial situation and your needs. Finally, he conducts the search for bank offers that can meet your requirements and sends your file to banks.

This saves you a lot of time when your knowledge and expertise help you get your real estate project up and running as quickly as possible. In addition, the banks rely on the brokers they work with. It is the broker who is often more likely to negotiate rates and conditions and defend your case. Keep in mind that if your borrower profile is complex, the broker can find a suitable solution for you through his network of partners. In this sense, banks are limited to their own offers. Finally, if you use a broker you can save money.

Indeed, the negotiation of the loan and insurance rate can be very interesting even taking into account the fees of your broker. Broker fees may vary from broker to broker. However, be aware that the accompaniment of a broker is cheap.

It is not uncommon for brokers to be paid by banks, which means you can apply for them for free.

It is not uncommon for brokers to be paid by banks, which means you can apply for them for free.

Otherwise, some brokers charge a brokerage fee of 1% to 2% on average of the borrowed capital. Note that the amount of these fees can be equivalent to the file fees usually requested by the banks. Of course, it’s up to you to compare the offers offered by your broker. You do not have to accept their offers and you do not pay any fees before signing a mortgage.

Contract loan loan – is it possible and where to get it?


Contract loan is an offer for people who are employed on the basis of śmieciówek. Unfortunately, they are also often associated with low earnings. In addition, they constitute a potential obstacle in the process of applying for a loan or a bank loan. On the other hand, freelancers – programmers, copywriters or graphic designers – also work on such contracts, and their income is not among the lowest. Can they also, having a mandate contract, have problems when applying for, for example, a mortgage? Let’s find out whether work on a commission contract is really such a ballast, or maybe a small obstacle that we can easily bypass.

What is a mandate contract?

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A commission contract is a form of employment where the employer = client commissions the performance of a specific job at a specified time, for which the contractor will receive a certain amount of money. Until 2016, it did not generate mandatory contributions paid by the employer, but currently, if it is the contractor’s only source of income, the employer is obliged to pay social security contributions and health contributions also from the mandate contract.

A significant change was introduced by the January 2019 provision, which set the amount of the minimum hourly rate for commissioned work.

This form of employment is beneficial for the employer, because usually the employee does not have a guaranteed vacation or minimum pay. It is not covered by the provisions of the Labor Code and the Civil Code.

The time at which the order is carried out usually has a specific time frame. However, you can sign a mandate contract for an indefinite period. However, it should be borne in mind whether the activities performed by the employee have not become permanent (regular working hours and performing the same activities all the time).

Contract commission – not so scary

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Contrary to appearances, the mandate contract or contract for specific work is not as harmful to the employee as it is supposed. These are flexible forms of employment that leave both employees and employers a lot of freedom. These types of civil law contracts allow you to earn more money than on an employment contract. The employer is not obliged to pay all contributions for the employee. However, financial institutions’ reluctance to cooperate with persons employed in this way may result from two issues.

Most often, young people (often students) work on the mandate contract, whose banks, in principle, place less trust than those clients whose age has allowed them to gain an established professional position. He does not give her a commission or work, because at any time the parties who have signed such a contract can terminate the employment relationship. And although in the case of an employment contract the situation is very similar (the difference is in the length of the notice period), banks say top-down that the person who owns it has earned a lot of hard work, therefore you can trust him and grant him a loan .

What constitutes creditworthiness?

At the same time, the professional situation of a potential borrower is just one of the factors that financial institutions take into account when calculating creditworthiness. We wrote about creditworthiness earlier, so we will only remind you that it also includes the age and marital status of the client, his education, assets, credit history and any banking products that are already charging the household budget. So even if the mandate, work contract or contract does not give us full employee rights, they do not prevent you from applying for a loan or credit. Both in the bank and in the loan company.

Is a loan under a mandate contract possible?

Is a loan under a mandate contract possible?

Due to the constant changes on the labor market and the popularity of flexible forms of employment (mandate contract, contract for specific work, contract), the Polish Financial Supervision Authority (KNF) issued a recommendation that banks should treat people working on such principles more gently. Thanks to this, those working on a contract of mandate and having irregular or unstable income can apply for access to banking products on an equal footing with others. Let’s start with the fact that mandate contracts can last as long as employment under an employment contract. The bank will certainly check how long we are already in such an employment relationship.

At mBank or Santander Bank branches, the loan under the mandate contract will be available to anyone who has been employed for at least 6 months. In turn, Alior Bank, ING Bank Śląski and Deutsche Bank require employment for at least 12 months. Credit Agricole is the most restrictive in this respect, as it stipulates that only those who have been working on the commission contract for at least 18 months can apply for a loan. If our working time in a given company is shorter than half a year, it does not mean that everything is lost. In such situations, loan companies come to the rescue, which are much more willing to help their borrowers. Of course, this is done with much higher costs, besides, parabanks lend money for a much shorter time than banking institutions. Although many of them, despite declaring that they do not do so, check their clients in the BIK database, but most often it does not have a major impact on the decision to grant a loan.

A loan based on a mandate contract at a bank or loan company?

The loan company is only interested in timely repayment of liabilities – from where the debtor will take the money for it, it is his individual case. The only interference that we can expect is a reduction in the amount of loan we have applied for. In addition, the whole scheme remains unchanged: we choose the company, submit the application, decide what amount to borrow and for what time, and then we try to comply with the conditions contained in the contract to avoid recovery and enforcement of repayment by the court bailiff.

Applicants for loan companies and working on a commission contract should be interested in the offer of Wongi and Vivus. They have a good chance of getting a positive credit decision from them with minimum formalities. A loan or a loan under a mandate contract does not have to be taken from a bank.

Mortgage and mandate contract

Mortgage and mandate contract

The mortgage is already a much heavier caliber. We must automatically exclude loan companies’ offers because they base their business on borrowing much smaller amounts. Despite employment under a mandate contract, it is not impossible to receive such a loan from a bank, you only need to meet certain conditions. Meticulous documentation, which we can present to a bank employee, plays a very important role here. A current mandate contract is necessary, but it is possible that we will also be asked for the previous ones.

If the withdrawals have been cash so far, not a bank transfer, we will have to provide invoices for the contracts. When we start reviewing the offers of subsequent institutions, armed with a briefcase with documents, we will soon notice that regardless of whether we go to Bank Pocztowy, PKO BP or Getin Bank, employees will be more interested in the amount of income than the type of our contract. This is a difference from mortgages granted to people with an employment contract.

Car Loans – Requirements to meet

If you need financing, Car Loans can be of interest to you. As a company dedicated to the pawn firm offers loans from 500 euros to 15,000 euros. This company invoices with the company, KotseCar. with registered office in Barcelona, ​​Paseo de Gracia 53, 1st 1st.

It has been implanted in our country for years, being an alternative to Kotche as well as other similar loans. In the following article from Cristock we will show the characteristics and conditions of these quick credits. Having both advantages and disadvantages being what we are going to see.

What loans on cars are the ones signed by the Carqueen financial company?

What loans on cars are the ones signed by the Carqueen financial company?

This financial thing is to sign credits in guarantee of vehicles both in circulation and in deposit. It does not carry out a single type of financing but offers its clients to do it in both ways. Something that at least we consider as positive because not everyone wants to have to deposit their vehicle.

There are those who prefer to continue circulating with the vehicle. That is, he does not make personal loans but instead focuses on the so-called loans with endorsement. Of course the option in circulation will always be more expensive than the view in deposit. The financial here assumes a higher risk and therefore applies a higher rental cost.

By the way, although it is called car loans or pawn is not really a credit. Here the clients do not pay interest but pay a rent fee. This is because what the financiers do when they make the loan is to change the name of the vehicle. The financiers put up until the vehicle is canceled in their name. With this what the financial seeks is to obtain security, even more if the vehicle continues to circulate.

What are the KotseCar loans for?

What are the KotseCar loans for?

More or less they are good for everything, although in Cristock we think that they are mostly used to get fast money. That is, for when people and companies need to get loans instantly. They are also used to solve problems such as the asnef. Canceling debts in delinquency records is easy with this type of financing.

It is because the financiers do not take into account the financial situation of whoever asks for the money. Only take into account the guarantee provided, nothing more. And this is something that is undoubtedly a positive aspect of financing.

Documentation requested in this financing in the form of commitment

Documentation requested in this financing in the form of commitment

The documentation as you can imagine is the vehicle because the financial does not care about the rest. When doing the study analyzing only the vehicle in question will not take into account the other variables.

The incomes of the applicants, asnef, indebtedness… none of this is valued.

  1. Vehicle data sheet
  2. Circulation permit
  3. DNI of the holders of the property in question.
  4. Photos of the vehicle
  5. Surely in order

This is the documentation that customers have to provide in the processing of one of these credits on vehicles.

Requirements to meet if you want to be able to request money in the KotseCar financial

If you want to ask for a loan in this company, we show you the requirements that you have to fulfill. That basically are the vehicle, no matter the rest as we have indicated the rest.

  • The vehicle that you provide as a guarantee must be free of charges.
  • Must be less than 7 years old if possible.
  • The good provided has to be in perfect condition and have gone through all the mechanical checks.
  • Before signing the loan the vehicle will pass through the workshop to make the appropriate checks.

Quick Loans Online – When to Reach for them?

Online Loan

Online Loan

Anyone can meet with financial problems. Unfortunately, sometimes we have unplanned expenses, which should be paid immediately. Not everyone, however, has the opportunity to borrow money from family or friends, which is why the first loan comes into play. Many want to take advantage of the offer of local banks. After all, who, if not they, help us in applying for a loan ? However, without having a regular income, without creditworthiness, it will be difficult for us. It is true that everything changes, and this is due to the offer of non-banking companies. It is they who offer us quick and cheap non-bank loans. When applying for a loan, usually on the same day you can expect money on your account. Due to the fact that today almost everyone has access to the Internet, such a loan is a simple process.

No creditworthiness, showing a contract of employment, BIK and other unnecessary formalities. Among people applying for online loans are non-bank people who have no other choice and must seek this type of help. A sudden operation that absolutely can not be translated requires us to have instant cash availability, when we must do it privately. In such situations, a non-bank loan is an ideal solution. However, there are people who so-called they live on credit. They can apply for several loans at once. Interestingly, in non-bank institutions, we can apply for each of them and receive it, there are no limits. They are applying for it, to leave once again for holidays or to buy another unnecessary things that could wait for later.

Very quickly you can fall into this spiral of borrowing more money. Such behavior will certainly not work out for good in the long run. We will not control repayment dates, which will result in further payments. A non-bank loan is a quick option to deal with financial problems. However, each of them has a different weight and should be divided accordingly. Let’s reach for them when it really is necessary.

What is the Real Interest Rate on Consolidation Loans?

Anyone should have a leg and the situation should get out of hand. This, however, does not mean that we have the right to look for the guilty one everywhere, or for ourselves to digest it with remorse. Definitely better, and properly mature, is to start planning an emergency exit. Even if we have financial problems.

APRC on debt consolidation

APRC on debt consolidation

Having a very large amount of various debts on your account and knowing that we are unable to pay them off, it is worth thinking about debt consolidation. For sure, the biggest barrier to this development is the costs associated with the consolidation loan. We are afraid that they will be much higher than the costs charged to us at present. Any banker or financial specialist will tell us that it is not. But if we want to find out for ourselves, just look at the APRC.

APRC, ie the actual interest rate, is an indicator informing about all credit costs incurred, including interest. Looking at bank offers in financial comparators, we can quickly see that the real interest rate is around 5 to about 8 percent. This value is even several times lower than in the case of a cash loan. Interestingly, banks often give the opportunity to negotiate the value of all costs. If certain conditions are met, the consolidation loans may be much lower.

Cost-effective APY

Cost-effective APY

Another aspect that we will be thinking about is whether the consolidation loan is profitable for us, or maybe the current debts. Certainly much depends on who we really owe money to. As for the closest family or friends, or maybe installments for different devices that do not have interest rates, the answer is probably unambiguous. However, when we are prompted by non-bank institutions, we received a penalty interest for unpaid credit in the bank, then debt consolidation will be the best solution. Offers on the most favorable conditions, we can check without any problem in financial comparison engines.

Loans at Expiration, without monthly and short-term installments


Which companies offer loans to expiration in Spain? Because they do it, what advantages do they have? If you have in mind to request one of these credits without monthly fee in Anne Shirley we show you the advantages of this financing. Being on the other hand a type of credit which is limited to a few situations.

The due credits do not serve any financial need, much less being what we are going to see. Most of the time it is processed when the clients have in mind to return the money with the sale of some real estate and in the short term. That is, when the return is intended to be done at once, with a sale, the collection of money, inheritance ….

The refund is presented very differently from what we would see in the signing of a loan with monthly installments. By the way, this financing we will see especially in private equity mortgages. 

These loans are usually processed when a loan is sought for a period of time, usually at a maximum of 1 year. Private equity companies have adapted to this need by offering credits of this type WITHOUT MONTHLY FEE.

How do the loans to expiration work?

How do the loans to expiration work?

These are credits where the return of the credit is raised with a deadline, there being no monthly installments. Let’s say that a client signs a loan of this type for 1 year.

If you sign it on January 1, 2017 you will have until January 1, 2019 to make the refund of the credit. The refund will not be done by paying monthly installments but will do so at once. That does not have to be the last date, you can do it much sooner. Although he has 12 months to return the money for power can make the return when it seems.

In the liquidity loan to advantage, for example, this return is usually made when the property is sold. If it takes 4 months to sell the property even if the client has signed up to 12 months it will return it in 4. Do you understand?

Characteristics of loans due and without installments

Characteristics of loans due and without installments

Even though we are private equity loans, we can not deny that they have different characteristics than those of quotas.

  1. The refund is made suddenly, not little by little.
  2. There are no monthly fees to pay since the refund is raised differently.
  3. The interest rates of these mortgage loans tend to be better than the rates of interest.

Not because the refund is due but because they are short-term loans.

  1. The financiers that offer these loans usually do this operation to 1 year with option of renewal to another.
  2. This type of credit is only signed when the return is very clear and always thinking in a short time.

TAE of loans of this type

We at Anne Shirley can not speak for others but we usually rate them between 9.95% and 12% per year. Depending on the operation, it may have one cost or another. And although in monthly installment it is also usually cheap for private capital at maturity it will always be more.

Financial companies are interested in making short-term loans that are not medium or long term. Because for them the signing of a loan is an investment. And if they can choose they will always prefer to do it short so they can lend their capital a greater number of times.


As a way to get money through private loans, maturing loans can be the ideal financing. Whenever you have an idea to cancel it in 1 year or less. Because although the renewal option is always given with the payment of interest, this is not how it has to be done.

Highest Loan Amount, How Much Money Can You Borrow?

The highest loan amount, how much money it can borrow at most, depends on how low the probability is that the loan will not be repaid. The size of the loan can therefore be determined by the borrower’s creditworthiness. Competition in the market for large private loans has been improved by offering more and better loans online. The trend is clear with faster, larger and simpler loans at lower interest rates and better terms. has more information

Anyone who is looking for a private loan has plenty of options, especially if the credit rating is good.

  • The highest loan amount for the blank loan is currently SEK 600,000
  • Maximum loan for unsecured loans
  • Highest loan amount for people with high credit ratings
  • The income determines the maximum amount

The highest loan amount for blank loans?

  • The highest loan amount for blank loans?
  • Large loans with strong credit ratings
  • How high credit rating is required?
  • Big loans

The highest amount that can be borrowed without collateral is currently SEK 600,000. Common uses for blank loans are to consolidate loans and collect old sourdoughs that have been taken to unfavorable terms. Creditors look favorably on customers who want to use all or part of the new loan to pay back other credits.

Before deciding on a blank loan, it may be worth investigating if there are other options. Loans through mortgages in the home provide better conditions but are cumbersome. Worth knowing is that many bright lenders have secret special offers that are only made available after an application arrives. Large blank loans should only be used for investments and purchases of value-resistant capital goods and not for consumption.

For a small business owner, it may be necessary to borrow money to pay taxes or a large supplier invoice. For those who have debts in several places, it is often beneficial with a larger cheaper loan to pay back bad credit.

Large loans with strong credit ratings

The one who has a strong credit rating is a king in the loan market: it is easy to get a large loan with low interest rates. But keep in mind that lenders that can offer these low-cost loans are looking at many variables in their credit assessment as long-term permanent employment and residential address.

Criteria for largest and best blank loans

Consumers demand competitive pricing on loans but also flexible terms, low or no extra fees and a lender that is easy to do business with. Here are some factors we look at when we sort out the best loans;

  • Low effective interest rate: The lender’s example interest rates are in line with or better than the market average.
  • Low or no fees: We prefer lenders who do not charge other than interest; Charges that we want to avoid are application, newspaper fee and other costs. If the agreement contains fees, they must not be significantly higher than the competitors and must be compensated with a lower interest rate.
  • High maximum loan: The largest loans often have the best terms and interest rates. This is because it is the same fixed cost for administering a large as a cheap loan.
  • Flexible terms: Consumers prefer to determine their maturity and amount themselves.
  • Transparent, informative website: A good lender presents clear terms, fees and other important information. Disadvantageous contract terms should not be hidden away.
  • Renommé: We read reviews and check the credit status of companies that review corporate finances. This is especially important for newer credit market companies. Individual reviews are given less weight, as are many negative reviews from prospective borrowers who are unhappy after denying loans.

Of course, it is always wise to educate yourself before taking a loan. Keep reading to make sure you know exactly what to look for and how to find the best deal.

What is a private loan?

A private loan is a loan that is given to private individuals at a fixed or variable interest rate and which is given without collateral. With loans against collateral, the lender has the right to use assets – for example, a car or a house – to secure repayments. With an unsecured loan, the lender has no such direct opportunity.

How high credit rating is required?

For the most part, a strong financial situation is required to gain access to the largest loans. It is possible to find lenders who are willing to lend large amounts also to customers with a weak credit rating but the interest rate will then be.

Peer-to-peer lenders can provide large loans between private individuals which in some cases may mean a lower effective interest rate than ordinary bank loans. A p2p loan has starting interest rates of less than 3%, which is lower than ordinary blank loans.

Three tips for finding larger loans

# 1: Loan Surfing

Each lender has a slightly different formula when examining your application, which means that the interest rate varies – perhaps significantly – from one lender to the next. One convenient way to search for a loan with the highest loan amount online is to use the search tool at the bottom of this page which can help you match up with the best loans for your needs.

# 2: Examine fees

Make sure you know if there are more fees than the interest rate in the loan agreement. Also make sure that there are no costs for prepayment of the loan.

This is the fees the lenders charge if you want to pay back the entire loan prematurely (which means that the lender will miss out on future interest income that has become if payments have been made as planned for the entire loan). Most lenders we have selected will not penalize customers who are able to repay the loan in advance, but it is definitely worth double checking.

# 3: Choose the right loan period

The loan period is important as it affects how much you pay in total for the loan.

A long-term loan means that each monthly payment will be lower, but that means that you will pay more in the end. An annual loan or short loan means higher monthly payments but lower credit costs.

Big loans

Don’t limit your search to the regular channels and the most popular lenders if you want to borrow big. Most popular lenders are most visible because they invest a lot of money in marketing, they are not necessarily the best and cheapest. Online lenders are practical, but banks with a low profile can offer competitive effective interest rates and a more personalized service if your credit rating is good.

Many lenders have hidden desires about which customers they want. It can be about different occupational groups (doctors, engineers), members of specific trade unions or people resident in certain places. By leaving as much information as possible in an application, the chance of getting approved on the highest loan amount increases.