Monthly Archives: December 2019

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Loan for moving – Compare online for free

Moving not only costs energy, but also money. Furniture forwarders have to be paid just like conversions and renovations. A simple loan can help.

Moving can be really expensive. The costs that have to be borne are high. Especially when transport abroad or to a distant city is necessary, costs in the four-digit range will be necessary. Not to mention the effort. At the same time, the deposit must be paid, which includes three basic rents. In addition, moving helpers are necessary, the renovation of the new apartment is just as pending as the old apartment has to be painted and left in its original condition. The associated expenses grow and grow. If there is not enough equity available, a loan will help. It was not uncommon for months to find the right apartment and then the move must be carried out quickly. A loan is necessary to get the necessary capital.

The instant loan: fast and flexible

The instant loan: fast and flexible

The instant loan is probably the most sensible option. It can be recorded quickly, flexibly and easily. The advantages that an instant move loan can offer are almost perfect for a move. If the move has to be carried out within a week, there is little time to fill in eternally long credit forms and wait for a response from the bank. An immediate loan is transferred to your own account within two working days from the application until payment is made. Advantages that are extremely important before moving.

Find the cheapest interest rate

Find the cheapest interest rate

Finding a cheap interest rate is not necessarily difficult. It makes sense to work with a comparison system. Comparison systems offer the privilege of independence. No credit provider is in the foreground, only the performance of individual credit providers is essential. This service is compared to the price ratio, which means that the consumer can view the comparatively cheapest tariff and start immediately. In the case of an immediate loan for moving, the application is made exclusively via the Internet and by post. As a result, an instant loan offers an extremely quick procedure. If your creditworthiness permits, you can also take out residual debt insurance. This not only calms the conscience of the lender, but also that of the borrower.

Applying for loans through capital lender is easy. An online loan application is sufficient to address both banks and private investors at a serious level. Of course, the borrower decides who gets the loan.

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Deposit Loans »Get an overview of our deposit loans here

Are you in a situation where you have been offered the perfect rental home but lack the money to pay for the deposit? It’s a dull situation to stand in, but you can happily do something about it.

At the Loan and Credit, there is help available so you don’t have to say no to this great opportunity. If you read further, we will discuss how to take out a deposit loan, a loan for a deposit or a loan for something completely third. You have endless opportunities with the Loan and Credit!

What is a deposit?

What is a deposit?

A deposit is the amount you pay to the landlord when you move in somewhere. The money will go toward repairing the lease, should you ever move out again.

So when you rent a home, you typically pay a deposit. The amount is called a housing deposit if it is a non-profit housing company and a deposit if it is a non-profit housing company. The size of a deposit varies, but typically it is somewhere between USD 12,000-35,000. The size of the deposit usually depends on the size of the rent, as it is usually between 1-3 months rent.

It can be a challenge to pay such a large amount with a short time notice, and therefore you may need to apply for a loan for a deposit, ie a deposit loan, or a loan for a deposit, depending on the housing company you are in contact with. . Below we will discuss the different financing options for a mortgage loan, where we look at what you can do – whether the housing company is non-profit or not.

No need to refuse – take out a mortgage loan and move in quickly

No need to refuse - take out a mortgage loan and move in quickly

It is a pity to have to refuse an offer that you really want to accept. The housing market is already hard to come by, which is why it is important to strike when the good deals are on offer. Thus, if you are in a situation where you lack financial assistance to secure your dream home, you can thus advantageously strengthen your financial impact with a mortgage loan.

You have several different financing options if you are looking for a mortgage loan. If you do not want to take out a deposit loan from friends or family, you can go to the bank as you can borrow for the deposit there. You just need to know that going to the bank to apply for a loan loan can be a slow process. First you have to assess your financial situation and then you have to submit a lot of documentation. After that, you will need to be rated and this may take a while.

Borrowing from the bank is usually a little cheaper than the other options, but so is its price. If you have to hit right now and here, which is most often the case with rental housing, especially in metropolitan areas, the application process for a mortgage loan should not hurt your chances of moving into the dream home.

If the bank’s application process is too slow, you can also just find the deposit loan through an online credit institution. Here things go much faster and you can even have the money right away, which is the case with us, the Loan and Credit. We will pay out as soon as your application is approved. That way you can turn on right away. It is slightly more expensive, but you are guaranteed the dream home because you can hit it right away.

Loan for deposit

Loan for deposit

In the case of a non-profit rental home, the same financing options apply as with the mortgage loan. Unfortunately, the conditions are the same, regardless of whether the housing is non-profit or not, as demand is massive in the big cities. One must strike when the dream home offers itself.

If you have to borrow for a deposit, you can go through the bank, however with the same reservations as before. It takes longer and you are left to your bank advisor’s schedule, which can be critical if the landlord wants the deposit on the day.

At Loan and Credit you still have the same options as mentioned before, where you can borrow for the deposit. You get an answer to your application right away and the money comes into your account right away – why wait?

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Electric car loan, the best rate for the environment

The environmental issue concerns more and more people and in particular those who wish to acquire an electric car. But today what are the solutions to offer it quickly and at a lower cost? Apart from all the aid, can we make an electric car loan? Yes, but provided you take advantage of the best rate. Because there is no electric car loan as such. And when they exist, it is limited to a marketing way of presenting a car loan labeled “electric vehicle”.

To get the best rate for electric car credit, nothing could be simpler: we compare all the offers of the largest credit organizations. In addition, it will be possible to obtain a non-binding appraisal from the cheapest credit organization to find out whether it is actually possible to obtain the best electric car loan.

We will also detail in this article all the other borrowing possibilities but also all the financial aid that it is possible to obtain.

Electric car credit: get the best rate

Electric car credit: get the best rate

To find the lowest rate electric car credit on the internet, going through a credit comparison is the fastest and most advantageous option. Because on Capitaine Crédit, you will only have to fill in one questionnaire. We also give the possibility of choosing the three best offers of our ranking in one click in order to increase the chances of acceptance of the electric car credit. You will have to provide proof of purchase of the vehicle to add to the electric car credit file in case of agreement in principle from one of our partner organizations.

It is quite possible to buy the car without contribution to get the loan because as we will see, to lower the overall price, the old vehicle is often the subject of a special recovery.

Save on electric car credit

Save on electric car credit

An example of comparison will encourage the most reluctant to understand the interest of using a credit comparator before taking out an electric car loan.

An electric car has an average price of $ 20,000, bonus deducted. So let’s take an example of a car loan in the amount of $ 20,000 to be repaid in 60 monthly installments:

  • Lowest rate: 3.51% Monthly payment: $ 363.43 Cost of electric car loan: $ 1,805.80
  • Highest rate: 7.56% Monthly payment: $ 398.96 Cost of electric car credit: $ 3,937.60

More than $ 2,000 difference between the first and the last offer in our ranking for exactly the same electric car credit. And the most expensive organization when we carried out this survey is far from being the least known…

Electric car loan: the alternatives

Electric car loan: the alternatives

The electric car loan in concession

Many credit offers are made by dealers throughout the year, as can be seen regularly in TV commercials. At first glance, they seem to benefit from the best offer. But beware, because some often hide obligations to be respected, such as a very short repayment term or compulsory insurance not always useful but which remains expensive.

The best thing to do to take advantage of the best electric car loan offer in dealerships is to keep yourself informed by checking all the conditions of the loan offer (monthly payments, additional insurance included, options of the car covered by the credit, etc.). ). But above all, do not neglect the possibility of negotiating. For more information, read our article auto loan at 0% APR fixed rate.

Banking is also a good option

An electric car loan can just as easily be obtained from his bank. For this, it will still be necessary to have a good professional and financial situation to hope to have an agreement from the bank. And even in this case, going through a comparator will make it possible to have a first agreement in principle with a specialized organization offering a very attractive rate.

Getting a first new car credit agreement at the best rate on the web will help prepare for negotiation with the banker. Either it does better, or you already have the best deal in your hands.

Aid for the purchase of an electric car

Aid for the purchase of an electric car

With the aim of preserving the environment and reducing the cost of purchasing an electric vehicle, numerous aids have emerged to encourage the French to cross the threshold of the electric car. Find out about the assistance you need before getting into an electric car loan to be sure of the total amount to borrow.

Regarding the purchase of a used electric car, certain organizations offer specific used car loans.

The ecological bonus up to $ 6,300

It consists in rewarding the purchasers of new cars emitting very little CO2 and conversely, it penalizes the purchase of excessively polluting vehicles. This bonus which can go up to $ 6,300 (CO2 emission <20g), in particular for electric cars, will in most cases be directly deducted by the seller when purchasing the vehicle (as seen in the example). Please note, because this aid cannot, however, exceed 27% of the total cost of the car purchased including tax. 

The super bonus of up to $ 10,000 (ecological bonus included)

This aid, additional to the ecological bonus, allows for the replacement of a diesel vehicle over 10 years old by an electric car to benefit from a conversion premium of up to $ 3,700. Bringing the total premium to a maximum of $ 10,000. 

Tax credit up to 30% for the installation of a charging station

There is one last national aid for the installation of charging stations at home (no impact of the amount of the credit car electric car). More particularly in favor of carrying out energy improvement works for private dwellings. The percentage of the tax credit obtained will then be deducted from income taxes, the year following the installation work.

Regional aid

There are also local aids, and to find out about them and benefit from them, we invite you to visit the website for your region or to inquire directly with your town hall, prefecture or regional hotel.

Some insurances also lower their costs

Some insurers have decided to go in the direction of the state by offering more attractive rates for buyers of electric cars. Refer to your insurance to find out if the latter gives the right to a reduction in the cost of insurance, following the purchase of an electric car.