Mortgage – how to calculate the loan installment The amount of the loan installment depends mainly on the amount of capital to be borrowed, the amount of interest, additional fees and the loan period. The exact way of calculating installments depends on […]
Is it possible to get a loan without leaving home and without having a bank account? It is possible, such a loan is a home loan, known not from today.. It would seem that the home loan is a thing of the […]
Is it possible to get a loan without leaving home and without having a bank account? It is possible, such a loan is a home loan, known not from today..
It would seem that the home loan is a thing of the past, and yet some of you are still looking for this form of obtaining extra cash. However, this applies mainly to the elderly, who on the one hand do not trust modern electronic methods. On the other hand, they do not have the opportunity to visit the facility in order to complete the formalities related to the loan.
What exactly is a home loan?
This form of lending became popular in our country with the appearance of the Provident company at the beginning of the last decade. To obtain such a loan, you should contact the loan company by phone (currently you can also submit an application via the Internet), which will send an employee to us the same day or the next day. Which directly in the place of our residence will complete all the formalities related to the loan. So we can arrange a specific day and a specific time of visit and the necessary cash will be delivered directly to your home. The repayment of the loan installment is made not by a bank transfer, as is the case with bank loans or payday loans, and directly at our place of residence. At a previously agreed date, the employee of the loan company will come to us and receive each subsequent installment of the loan. Most home loans are available for repayment in weekly installments.
Higher home loan costs
What you need to know about home loans is much higher. Both compared to cash loans available in the bank or even non-bank loans offered via the internet. In the case of home loans we incur additional costs related to home service. And so both for providing us with cash to the place of residence as well as for receiving each installment of a loan with us at home. The cost of such a loan is usually the second as much as the amount borrowed, so if you borrow 1000 PLN to be repaid, we can have 2000 zlotys, if we want to borrow 2000 zlotys, even 4000 zlotys, etc.
This company is undoubtedly the oldest company operating on the domestic market offering home loans. Although currently the company’s offer also includes modern forms of obtaining cash, available entirely through Internet channels, the home loan is still available in their offer. This proposal can be used by both young people from the age of 18, as well as seniors who rarely drop their places of residence. Home loans in the Providence include loans from PLN 300 to even PLN 15,000, with a repayment period in a weekly cycle from 30 to 90 weeks.
The company which mainly specialized in home loans and so far had an offer very similar to the Provident offer. Currently, the company’s offer includes home delivery loans from PLN 500 with a repayment period of 25, 35, 44, 52 and 62 weeks. Loans are granted to adults aged 18 to 75 years. With permanent check-in and monthly income, also for self-employed persons and farmers.
Another company that offers a home loan is Home Credit, offering its clients loans from 100 to 10,000 PLN. The loan installments can be repaid in weekly installments from 21 to 75 weeks. The initial decision to grant a loan is given over the phone and the loan may be granted to people aged 18 to 75 whose minimum income is PLN 500 net a month. If we have the right creditworthiness, the day after submitting the application, the company will send to us an employee who will write a contract with us on the spot and give us cash.
The last of the companies presented today is EuroCreditend. The company which, like all names today, serves clients throughout Poland. In their offer, we can find home loans from PLN 100 to PLN 10,000 with repayment periods in a weekly cycle from 21 to 72 weeks. A home loan is available for adults who can testify their income by presenting a certificate of income.
Giro check – a loan to be picked up at the post office
Another loan proposal may be a loan that we will not receive either to your bank account or be delivered to your home. On the other hand, it will reach the nearest post office, where we can pick it up. Such a solution has a much greater advantage than home loans, because the cost of a loan in such a case may be lower. Provided that we choose the right company that does not exaggerate with high loan costs. And you must know that we do not incur any additional fees for the option of delivering a loan to the post office. I had the opportunity to discuss the subject of such loans in an article describing loans without a bank account. You will be able to read in it with additional information about loans using the Giro check. As well as get to know specific companies in which it is possible to obtain such a loan.
The loan we will reach through the loan company should be easily and quickly available and cheap to pay. Today I look at companies that can offer us the cheapest installment loan, and also without leaving home. When looking for an installment […]
The loan we will reach through the loan company should be easily and quickly available and cheap to pay. Today I look at companies that can offer us the cheapest installment loan, and also without leaving home.
When looking for an installment loan, we have a choice of those available through the bank, as well as those offered by loan companies. Although these banks may have lower installments, on the other hand, these non-bank ones will be more easily available. Therefore, my task today is to find loan companies, in the offer of which the cheapest installment loan is available with formalities settled 100% online.
At one time, and it was a few years ago, I had the opportunity to publish a similar article on cheap non-bank loans. Has a lot changed since its publication? Which companies are currently able to offer us the best terms for borrowing extra cash? This is what I decided to check for you today.
Of course, to find such the cheapest installment loans was possible, it is necessary to set specific criteria that we will be guided by our search. So I decided that the main determinant would be the loan amount in the amount of PLN 5,000 with a 12-month repayment period. This will be our main determinant in looking for a cheap loan with monthly installments. We will check which company is able to offer us the lowest installment installment payment.
The cheapest installment loan – 5 companies with the lowest installment
In the case of the first company there will be no special surprise. Zenga is a company that has to offer the lowest cost of installment loans from today. Not only that other companies are far from being in line with the Wongi offer in terms of costs, it can also be said that the company is also stomping on the heels of banks recently. If you check the real costs of Internet loans in several popular banks and then compare them with the Wongi offer, it surely turns out that the amount of loan installments is very similar. What’s more, the company has recently strengthened its offer, which I had the opportunity to inform a few weeks ago. Currently, the company can offer us cash loans in the amount of up to PLN 20,000 with a repayment period of up to 60 months. A promotional offer for new customers is still available in the company’s offer, under which the first loan for 60 days will be given for only PLN 10.
The requirements for obtaining a loan are not particularly large. You must be 18 or older, have current employment or other income (activity, pension, pension) and do not have any debts or delays in repayment on your account.
I have not found a cheaper installment loan in Zenga, unfortunately, in any other company. However, if you are still interested in the cheapest installment loan, then the second company you should check is Carriedo. The company has also been operating for a long time on the online loan market. The amount of the loan installment compared to the Wongi proposal differs significantly, but on the other hand, apart from Wong, I did not find a cheap loan offer. The Carriedo company is able to borrow us up to PLN 10,000 with a repayment period of up to 24 months. The requirements are very similar to the predecessor’s proposal. It is necessary to be over 18 years of age and to have receipts to repay the loan installment. At the same time, you can not have debts that would be visible in such databases as BIK or debtors’ databases. It is worth adding that in the case of Carriedo loans, it is not required to transfer the verification fee from the bank account.
Lapuda Cash is another proposal for the cheapest installment loan. However, this offer is definitely different from all loan offers presented here. While 4 of the companies presented today provide traditional cash loans, and in their case are not required additional guarantors or mortgage collateral, in the case of Lapuda the situation looks a bit different. In order to get a loan in the company, it is necessary to have an additional person who will be the guarantor of the loan and, specifically, will be its guarantor. This is due to the fact that the company specializes mainly in providing loans to indebted persons. Hence, additional requirements for borrowers. In this case, it is not necessary to have a good credit history or a clean account in the debtors’ databases. What is required is a person who will guarantee the loan, and therefore someone who will be responsible for repaying the loan at the time the main borrower does not pay the loan installments in a timely manner. The current offer of Lapuda Cash is an installment loan of up to PLN 25,000 with a repayment period of 12 to 48 months.
You will have to prepare for a slightly larger loan installment if you submit a loan application in one of the next two companies. truloan may not be able to offer us the lowest loan installment, but it has other advantages that are worth mentioning here. Above all, a great convenience for this offer is very fast customer service. What’s more, the company does not require any income or employment certificates from us. It is not required even for larger amounts and currently the company provides loans up to PLN 10,000. truloan can verify the income we have from the machine thanks to the application that will automatically connect to our bank account. Another significant plus is the large acceptance of loan applications that are filed in the company. The basic condition for obtaining a loan is to have been over 21 years of age and no information about debts in the debtors’ databases and in the Credit Information Bureau.
Very close costs to loans truloan also has a OK loan. Maybe it is not the cheapest installment loan, but it is certainly one of the cheapest if you consider the offers of non-banking loans. The company can offer us installments entirely online via up to PLN 7,000. Alone, he can indicate the loan repayment period in the range from 6 to 30 monthly installments. The company has slightly higher requirements in terms of the age of the borrower because in order to apply for a loan in a company, we should be at least 25 years of age. In addition, you must have a permanent source of income, a permanent place of residence and do not have negative credit history in databases. An OK loan may give us a loan even if we repay a loan at the bank. This will not be an obstacle on the way to obtaining a loan.