Home insurance

Have you contracted a loan for home purchase or renovation? If the answer is affirmative, you cannot help but subscribe to an insurance policy aimed at the purpose that allows you to ” protect ” your home nest from the risks that may be incurred by a family’s most expensive asset. We know that dwelling is the dream of every Italian, the good to which we aspire more, an emblem of economic self-sufficiency and full professional fulfillment. The fruit of years of hard work and colossal efforts: housing is the most precious asset that must be jealously guarded and protected. Cleoporicura home insurance protection is an insurance product offered by the Finanziaria Cleopor dedicated to all those who need to combine the credit product with valid coverage to protect the home, the object of purchase or restructuring. We see in this guide to better understand the operation and the commercial offer.

The policy offered by Cleopor for credit protection

The policy offered by Cleopor for credit protection

If you have a home loan from Cleopor you can (optionally, but highly recommend) the possibility of combining a policy offered by Europ Assistance SpA, which, through a collaboration and commercial strategy signed with Cleopor, distributes policies to fully cover your property. The reliability of Cleopor and the experience of Europ Assistance Italia SpA are united in a product of great added value to offer you a unique and reliable solution of innovative insurance products to protect your home. Choose your customized package, discover the simplicity of the solutions designed for you at an easy price.

Insurance policy Assistance housing Europ Assistance SpA

Insurance policy Assistance housing Europ Assistance SpA

Home assistance? Discover the benefits that can be enjoyed by subscribing to the Casa Assistant package in the two “variants”: Smart and/or Premium. The first Smart package is designed for those who want home assistance 7 days a week, 24 hours a day with a network of professionals at your disposal (plumber, blacksmith, electrician, glassmaker). For those who want to stay calm when a household appliance breaks down (washing machine, dishwasher, freezer, etc. ), when a rolling shutter fails or the heating system does not work.
For those who want to be quiet and find an expert to solve small and large domestic problems. The insurance premium to be paid monthly is € 16.50.

The Casa Permes Premium insurance policy includes all the coverage of the Casa Permes SMART policy but with an even more extensive level of guarantees. You will be insured for the costs of restoring damage caused by water spillage due to accidental breakage of the pipes of domestic appliances or water, heating (including independent ones), air conditioning, sanitation, etc ; moreover, in case of serious damage to the rooms of the house, a supervisor will be sent to ensure the safety of your home. The monthly premium to be paid is 24 euros.

Insurance policy Housing protection Europ Assistance SpA

Insurance policy Housing protection Europ Assistance SpA

Also for the insurance policy it concerns the Protection of the dwelling consists of two interesting “variants” to be properly evaluated: Casa Permes and Casa Alvbas. Let’s try to better understand the functioning and the commercial offer to combine with the credit product.

Casa Permes is the insurance package that can protect the goods contained in your home from the consequences of unexpected events such as fire, water damage, electrical phenomena and frost up to € 50,000. You will also be insured for material and direct damage following theft or attempted robbery. The insurance premium to be paid monthly is € 16.50.

Casa Alvbas is the insurance package useful for protecting the dwelling building in the event of a fire (compulsory insurance in the event of a Mortgage request) or those who simply want to protect the walls in case of unforeseen circumstances. Water leaks, short circuits, electrical discharges, bursts due to gas leaks, lightning discharges, bad accidents that can occur and the always safe Casa policy also protects you from these events with compensation of up to 150,000 euros. The monthly prize is 17.50 euros.

 

Home insurance

Have you contracted a loan for home purchase or renovation? If the answer is affirmative, you cannot help but subscribe to an insurance policy aimed at the purpose that allows you to ” protect ” your home nest from the risks that may be incurred by a family’s most expensive asset. We know that dwelling is the dream of every Italian, the good to which we aspire more, an emblem of economic self-sufficiency and full professional fulfillment. The fruit of years of hard work and colossal efforts: housing is the most precious asset that must be jealously guarded and protected. Cleoporicura home insurance protection is an insurance product offered by the Finanziaria Cleopor dedicated to all those who need to combine the credit product with valid coverage to protect the home, the object of purchase or restructuring. We see in this guide to better understand the operation and the commercial offer.

The policy offered by Cleopor for credit protection

The policy offered by Cleopor for credit protection

If you have a home loan from Cleopor you can (optionally, but highly recommend) the possibility of combining a policy offered by Europ Assistance SpA, which, through a collaboration and commercial strategy signed with Cleopor, distributes policies to fully cover your property. The reliability of Cleopor and the experience of Europ Assistance Italia SpA are united in a product of great added value to offer you a unique and reliable solution of innovative insurance products to protect your home. Choose your customized package, discover the simplicity of the solutions designed for you at an easy price.

Insurance policy Assistance housing Europ Assistance SpA

Insurance policy Assistance housing Europ Assistance SpA

Home assistance? Discover the benefits that can be enjoyed by subscribing to the Casa Assistant package in the two “variants”: Smart and/or Premium. The first Smart package is designed for those who want home assistance 7 days a week, 24 hours a day with a network of professionals at your disposal (plumber, blacksmith, electrician, glassmaker). For those who want to stay calm when a household appliance breaks down (washing machine, dishwasher, freezer, etc. ), when a rolling shutter fails or the heating system does not work.
For those who want to be quiet and find an expert to solve small and large domestic problems. The insurance premium to be paid monthly is € 16.50.

The Casa Permes Premium insurance policy includes all the coverage of the Casa Permes SMART policy but with an even more extensive level of guarantees. You will be insured for the costs of restoring damage caused by water spillage due to accidental breakage of the pipes of domestic appliances or water, heating (including independent ones), air conditioning, sanitation, etc ; moreover, in case of serious damage to the rooms of the house, a supervisor will be sent to ensure the safety of your home. The monthly premium to be paid is 24 euros.

Insurance policy Housing protection Europ Assistance SpA

Insurance policy Housing protection Europ Assistance SpA

Also for the insurance policy it concerns the Protection of the dwelling consists of two interesting “variants” to be properly evaluated: Casa Permes and Casa Alvbas. Let’s try to better understand the functioning and the commercial offer to combine with the credit product.

Casa Permes is the insurance package that can protect the goods contained in your home from the consequences of unexpected events such as fire, water damage, electrical phenomena and frost up to € 50,000. You will also be insured for material and direct damage following theft or attempted robbery. The insurance premium to be paid monthly is € 16.50.

Casa Alvbas is the insurance package useful for protecting the dwelling building in the event of a fire (compulsory insurance in the event of a Mortgage request) or those who simply want to protect the walls in case of unforeseen circumstances. Water leaks, short circuits, electrical discharges, bursts due to gas leaks, lightning discharges, bad accidents that can occur and the always safe Casa policy also protects you from these events with compensation of up to 150,000 euros. The monthly prize is 17.50 euros.

 

Credit Bureau: Credit Information Society of Mexico

The request for financial products is not limited to just asking for and obtaining the desired amount of money. Many other factors are involved in the decision making of loan companies when they accept or deny a client’s request.

One of those factors is the status of your credit history in a credit information society such as the Credit Bureau. Discover throughout this article how to get the monetary liquidity you want regardless of whether you appear signed as delinquent.

What is the Credit Bureau?

What is the Credit Bureau?

The Credit Bureau is the most important Credit Information Society (SIC) in Mexico. It contains all the financial information of natural persons and companies that have requested a financial product.

That information is used by financial institutions to determine which of the candidates for a loan is eligible because it represents a smart investment. The bureau currently has information, which is updated periodically, of more than 27 million people.

How does the Bureau work?

How does the Bureau work?

Being a SIC, the bureau is responsible for storing the financial information of all the people and companies that have had access to a loan. That information includes personal, demographic details, and also about the amount requested, the payment term and whether the fees were met.

All these details are generated from the first moment you apply for the loan, and they remain there for many years. That way companies can verify if as a client you have had a good or bad financial behavior.

Credit Bureau Reports

Credit Bureau Reports

A credit bureau report is a document granted by this entity where your payment history of the last 24 months is evidenced. It will reflect the payments you have made and the debts you have in force.

My Score reports have a score that determines your status in the Bureau, as a guide we can group them:

  • 300 to 549: Low score.
  • 550 to 649: Regular score.
  • 650 to 699: Good score.
  • 700 to 850: Excellent score.

The higher numbers apply to people who have settled their payments and debts in a few days; while the lowest numbers are for those who have accumulated debts for more than 150 days.

How to check Credit Bureau?

How to check Credit Bureau?

To find out if you are in the Credit Bureau, you can check the status of your credit history online for free or pay by reviewing the two reports issued by this entity. One of them is the special report, and the other is the MiScore.

The first report is free the first time you request it every year, then you will have to pay for it, just like the MiScore. It is important that you check your financial reputation before applying for a loan.

How to leave the Bureau?

How to leave the Bureau?

There are two ways to get out of the bureau. The first is paying your debt, and the second is requesting a prescription of the debt. In the latter you can leave the bureau without paying, but you must remain delinquent for a period of time determined by the amount owed.

Find more details on how to leave the Credit Bureau in March Hare.

Personal loans without checking Bureau

Personal loans without checking Bureau

If you need a loan while signed in the bureau, do not worry, there are financial products designed for clients in your position.

There are financial institutions that offer products such as loans with collateral, mini-loans, etc. to people who appear in the bureau. These cases abound, and usually apply to clients with non-financial debts or who are not too high.

Credit cards without Bureau

Credit cards without Bureau

The credit cards that are generally granted by the banking entities, are not usually available to people registered in the bureau. That is because a negative payment history is seen by the banks as a sign that the customer cannot effectively pay off their debts.

Luckily, people with a bad credit history can now find credit cards granted by private financial entities. In exchange for meeting certain requirements, and usually higher interest rates, you can get the credit card you need.

Offices and telephones of the Credit Bureau

Offices and telephones of the Credit Bureau

In case you want to check your status at the risk center, file a claim or answer any questions, you can go to the following bureau offices.

 

What is the risk of not having a credit history?

Lack of credit history

Lack of credit history

Lack of credit history can be just as dangerous as a negative credit history. What exact consequences can we expose then? More commentary at http://www.animalsatheart.org/apply-for-a-small-business-loan-online-get-an-online-business-loan/

When we want to apply for a loan or a loan, we do not often have to provide documents confirming our income. In the case of smaller amounts, it is usually enough to have an ID card. This does not mean, however, that the creditor or lender is based only on this identity card – the information included in various databases, including the Credit Information Bureau, is also taken into account.

Retrodatabase, or Credit Information Bureau, is a nationwide database, which is used not only by banks but also by credit unions and non-bank loan companies. It deals with collecting, storing and sharing information on the credit history of Poles. Based on the data contained in retrodatabase, we can build your creditworthiness and credibility.

Each of us begins without a credit history

Each of us begins without a credit history

Every person begins his life without any credit history – it’s understandable because when we’re young, we can not make any contracts yet. However, when we are 18 years old, that is, we already have the opportunity to take loans and credits, we can start building this story.

The first entry in retrodatabase about us will come when we borrow money from a bank or non-bank lending institution for the first time. It can be a loan in installments, a payday loan, bank or non-bank cash loan, even debit, ie a limit on your account or credit card.

However, if there is no information in retrodatabase about us, a problem arises – we may not receive any loan or credit. Why is this happening?

No credit history is a risk

No credit history is a risk

First of all, this is due to the fact that the lack of a credit history is a greater risk for the bank or loan company that the client is asking for. At that time, she does not know exactly what the client’s financial situation is or can he pay off his obligations on time, because he has no access to past data.

We can compare it to a situation in which a stranger asks us to borrow money, and we do not really know anything about him. No wonder we would not have lent him money in this situation.

This applies above all to apply for loans and higher loan, for example, automobiles, housing or the cash, but the large sums amounting to tens of thousand. The lack of credit history recorded in retrodatabase does not mean that we will not be able to borrow any money at all.

Where to take out a loan without a lack of credit history?

Where to take out a loan without a lack of credit history?

As mentioned above, the main reason for refusal is to apply for too large amounts in the absence of a credit history. It is worth starting with smaller sums, for example taking a non-bank or installment cash loan for several hundred zlotys. You can even pay it back at once, but retrodatabase will then leave a positive mark after us, which will then help us to make a bigger commitment.

Thus, a lack of credit history can be a problem when we want to borrow a larger sum. Then it is best to take a smaller loan, so that you can then take them at an ever higher level.

Do you need immediate loans?

Unfortunately, the constant changes in the market and the dollar, which depreciate the Colombian peso every day, has pushed us to live an unstable economic situation where companies seek to hire staff with really low salaries that do not meet the profile and experience of the employee, but due to these factors they have been forced to reduce.

The economic situation is increasingly difficult

The economic situation is increasingly difficult

That is why we have a large number of debts from which we have found it difficult to get out and for which we need immediate loans that allow us to somehow or solve these financial problems.

The constant search for better opportunities that allow us to meet short-term material objectives are of great importance to us. We believe that we can carry out many activities that allow us to feel better about ourselves and others, for which we must invest small but considerable amounts of money, which many times we do not have and need urgently, but not every time we find that someone That can help us.

The desire that they can help them solve their financial problems

The desire that they can help them solve their financial problems

That is why some people go to banks with the desire that they can help them solve their financial problems with the granting of a loan or with the loan of an amount of money. However, the protocol that these entities follow, asks us to make long lines that sometimes seem endless, that consume all our free time and also require a lot of paperwork and documentation, so it ends up being a really tedious and stressful process, without Mention that it is also the bank that chooses how much money you can lend without having the possibility to decide.

Many times we need loans that do not exceed half a million pesos, but these types of services are not of great interest to these banks, as their goal is for the user to borrow with a large amount of money, which is difficult to pay so that they can thus start counting the interests of default, which represents a value much greater than delivered. Although many of us disagree with these practices, they are unfortunately allowed by law and its gaps.

Being aware that more and more people need a solution that allows them to get out of their economic problems, but with real payment possibilities, through urgent credit applications, a platform was created for you to apply for immediate loans quickly and simple, through the service of Good Finance. A website that has a design in which navigation is really simple and you can make your loan application effectively by filling out a form.

If all the information provided by you is correct

If all the information provided by you is correct

We can proceed to deliver your loan without any restrictions. This is one of the biggest advantages you can get from our credit service, you don’t have to go to any office or entity to get it. Simply through our online platform you can do it, without complicating yourself with great paperwork or the gigantic ranks. When we saw the underserved needs of these people we decided to give them a better solution. Many times, our lunch schedule is the only free time we have to perform some diligence, so we have to divide the time between it and the possibility of eating, which often is never fulfilled and we are left with just what we ate in the Tomorrow, all day long, until night comes.

Good Finance offers you the possibility that from the comfort of your office you can evaluate the options we offer to improve your economic situation, so that you do not have to choose which is more important, have lunch or apply for your credit. For us it is of great importance to be able to optimize your time either at work or at home, because we know that in both environments daily obligations do not allow us to have enough time to perform any different activity.

Do you need immediate loans?

cash

Unfortunately, the constant changes in the market and the dollar, which depreciate the Colombian peso every day, has pushed us to live an unstable economic situation where companies seek to hire staff with really low salaries that do not meet the profile and experience of the employee, but due to these factors they have been forced to reduce.

The economic situation is increasingly difficult

The economic situation is increasingly difficult

That is why we have a large number of debts from which we have found it difficult to get out and for which we need immediate loans that allow us to somehow or solve these financial problems.

The constant search for better opportunities that allow us to meet short-term material objectives are of great importance to us. We believe that we can carry out many activities that allow us to feel better about ourselves and others, for which we must invest small but considerable amounts of money, which many times we do not have and need urgently, but not every time we find that someone That can help us.

The desire that they can help them solve their financial problems

The desire that they can help them solve their financial problems

That is why some people go to banks with the desire that they can help them solve their financial problems with the granting of a loan or with the loan of an amount of money. However, the protocol that these entities follow, asks us to make long lines that sometimes seem endless, that consume all our free time and also require a lot of paperwork and documentation, so it ends up being a really tedious and stressful process, without Mention that it is also the bank that chooses how much money you can lend without having the possibility to decide.

Many times we need loans that do not exceed half a million pesos, but these types of services are not of great interest to these banks, as their goal is for the user to borrow with a large amount of money, which is difficult to pay so that they can thus start counting the interests of default, which represents a value much greater than delivered. Although many of us disagree with these practices, they are unfortunately allowed by law and its gaps.

Being aware that more and more people need a solution that allows them to get out of their economic problems, but with real payment possibilities, through urgent credit applications, a platform was created for you to apply for immediate loans quickly and simple, through the service of Good Finance. A website that has a design in which navigation is really simple and you can make your loan application effectively by filling out a form.

If all the information provided by you is correct

If all the information provided by you is correct

We can proceed to deliver your loan without any restrictions. This is one of the biggest advantages you can get from our credit service, you don’t have to go to any office or entity to get it. Simply through our online platform you can do it, without complicating yourself with great paperwork or the gigantic ranks. When we saw the underserved needs of these people we decided to give them a better solution. Many times, our lunch schedule is the only free time we have to perform some diligence, so we have to divide the time between it and the possibility of eating, which often is never fulfilled and we are left with just what we ate in the Tomorrow, all day long, until night comes.

Good Finance offers you the possibility that from the comfort of your office you can evaluate the options we offer to improve your economic situation, so that you do not have to choose which is more important, have lunch or apply for your credit. For us it is of great importance to be able to optimize your time either at work or at home, because we know that in both environments daily obligations do not allow us to have enough time to perform any different activity.

Bank and non-bank registers – which are the best known?

Those who apply for a loan can be screened in several different ways. One of them is also finding out the financial past. As? Checking the registers. These can be divided into banking and non-banking. Which ones are among the best known and what is their characteristic? Look at.

Bank register of client information

Bank register of client information

The first register we introduce is the banking register. Its name is quite clear, and reads the Bank Register of Client Information. In practice, rather its abbreviation, and BRKI. It is a register that was established in 2002 and since then it has been gradually collecting information about clients that banks have entered in the register. It is definitely interesting that the register does not only register natural persons. This register also includes entrepreneurs, ie persons to whom an ID number has been assigned. They may also have a different financial past which can be ascertained by consulting the register. The entries in this register have a relatively long validity of four years. However, the deadline is not calculated from the time a specific person or entity is registered. This is a time limit starting from the moment the client settled his obligations. In retrospect, it is easy to find out that he had a problem and what.

This register is operated by a private company called Czech Bankil as Due to its name, it is often also used by CB. Some people mistakenly use this to denote this bank register. However, it is only an abbreviation for a company that operates the Bank Register of Client Information with the abbreviation BRKI.

Non-bank client information register

Non-bank client information register

This register is very similar to the previous one. The only difference is that while the CIBR serves banks, the Non-Banking Client Information Register serves non-banking companies. These are one of the foundations of the current credit market and it is through this register that they exchange individual information. The abbreviation for this register is NRKI. It was established two years later than in the case of the bank. So in 2014. Sometimes it can also be used by its English name, which is Loans and Leasings Credit Bureau and also associated with the abbreviation LLCB. As far as its use is definitely one of the best known in the non-banking segment.

Here too, the operator is a private entity, which is a company called Czech Non-Bankil. For this, the abbreviation CNB is used, under which this particular non-bank register can be found.

Central register of debtors

 

Relatively unique register, mainly in its scope. While the options described above are mainly related to the domestic market, the Central Register of Debtors already has an international reach. This means that it is able to find commitments of specific people or business entities both within the Czech Republic and abroad. 

  • Verified zone
  • Unverified zone
  • Black Business Book
  • Debtors in insolvency

Thanks to this division, individual information or specific companies can also enter individual information into the register. This is precisely where they encounter behavior that has the characteristics of fraud, or otherwise involves different obligations. At the same time, due to the great openness and often unverified data, lenders do not use it so often.

Central Credit Register

Central Credit Register

This register can be said to have the greatest weight in terms of the quality of the information provided. This is because it is a system operated by the Czech Bank. Its aim is to unify specific data. This is about the clients of banks and their specific claims. In this register you can find information about private subjects as well as about companies that have receivables from banks operating in our market – including those that are purely foreign. This also makes it clear that in the case of non-banking entities and any liabilities that clients have towards them, they cannot be traced in this register. It specializes exclusively in the banking segment.

Association for the Protection of Leases and Consumer Credits

Although the name may sound quite complicated when SOLUS is mentioned, most people already know what it is. It is one of the most famous registers in the Czech Republic, which is registered as an interest association of legal entities. It was founded in 1999 and currently operates several registers, which are as follows:

    • Register of Individuals
    • Register of natural persons doing business and legal entities
    • Insolvency register

Furthermore, the operation of the positive registry or the register of invalid documents is part of the entire association. You can read more about the SOLUS registry in one of our previous articles.

Central records of distraints

Central records of distraints

This is also a register that both banks and non-banking companies like to consult. Here, too, it must be said that the data contained therein are quite large. The reason is that this register is operated by the Chamber of Commerce of the Czech Republic itself. It has an overview of all current distraints, which are subsequently entered in this register. It is kept as a public list, which means that it can be consulted by both lenders and any other natural or legal person. He just needs to have personal information about the person he wants to cheat. The individual bailiffs are obliged to enter in the register all specific executions for which a so-called notification has already been carried out. The deadline for registration is three days, which is also associated with the fact that this register can be considered as relatively up-to-date. The same time limit applies also to the suspension or execution of the execution.

Bank loans.- online loans

 

Cacodin bank loans (or CitiCacodin as they are known today) are an excellent tool for those who need money in a short time and for different purposes. This entity has a wide range of products and services, among which are the credits. In addition, we can find dozens of branches throughout the country. You will surely find one very close to your home or work!

Within the Cacodin Bank Loans we have different options: personal loans, payroll loans and auto loans. These are its main features:

1. Personal credits

1. Personal credits

One of the most outstanding advantages of this loan is that the client can decide the term of the monthly payments according to his needs, between 24 and 60 months. The interest rate is 17% plus annual VAT, regardless of the amount of fees chosen.

It can be requested at any CitiCacodin branch once preauthorization is obtained as a customer. The minimum amount is $ 3000 and the maximum is $ 750000. It has no annuity costs, although 2% must be paid for opening and a statement of account statement.

The requirements of these Cacodin Bank Loans are: being Mexican or foreign with FM2 format, having a valid official ID, checking income for at least $ 5000, being a CitiCacodin customer, being between 21 and 80 years old, and providing proof of address.

As you pay your loan you can advance fees and finish paying earlier without penalties or additional costs!

2. Payroll Credit

2. Payroll Credit

In recent years, this loan has become the star among Mexican employees. Payroll credit is available only to those clients who receive their salary at the bank. If that is not your case, you can also request in your workplace to carry out the transfer to the entity of your choice (by law they must accept your request and make it possible).

This loan has annual interest rates that revolve around 15%, has no commission for opening or annuity and it is not necessary to justify the destination, that is, you can use it for whatever you want or need.

The minimum is $ 2000 and the maximum is $ 50,000 and it all depends on how much your payroll is. You can get it directly from an ATM and redispose the money you have already paid. Payments are made automatically every 5 months if the salary is monthly or 4 and 19 if it is biweekly. It can be paid in 36, 48 or 60 months.

The requirements for CitiCacodin payroll credit are: be between 21 and 80 years old; be Mexican or resident with FM2 format; have income of at least $ 2000 and a working age of at least three months; have valid official identification and in some cases offer proof of address.

3. Credit for cars

3. Credit for cars

As the name implies, this loan allows you to buy a vehicle, whether new or pre-owned; as long as it is for personal or family use. You can request it once you submit all the documents that indicate the amount of the car and meet the requirements.

The requirements are similar to the others Cacodin bank loans : be Mexican or foreign with legal residence (FM2 format) between 21 and 80 years old, with a valid legal identification (document or passport), proof of address (electricity, gas bills, water, property, telephone) and income of at least $ 2000 per month.

What happens to the so-called ‘preapproved credits’? They are increasingly popular and it is essential to know about them, whether personal, payroll or for cars. Through different means (mainly mail or email) we get a letter from the bank in question indicating that we have available a loan almost ready for us.

It is very difficult to resist temptation and not accept it. But, be careful, because many times that of ‘being so good to be real’ brings several headaches. Of course, if it is a reputable entity such as CitiCacodin it will not be a hoax, however, pay attention because sometimes the interests are very high. In our portal you have immediate loans according to your needs. Do not miss them!

How much money do you want? $ When will you return it? days Return Date: Loan Costs 0 Total to return All asd data is safe with SSL encryption Loan to be repaid in a minimum of 65 days and a maximum of 90 days, with a minimum APR of 188.44% and a maximum of 203.72%. Representative example for the first fast loan: $ 5,000 to be repaid in 65 days. Interest and fees: $ 704.05. Total amount to be returned: $ 5704.05; APR: 203.72%, fixed monthly: 9.7%. APR: 203.72%, fixed monthly: 9.7%.

  • Online loans without bureau
  • Easy loans online
  • Online loans without documentation
  • Personal credits with Document

Bank loans.- online loans

 

Cacodin bank loans (or CitiCacodin as they are known today) are an excellent tool for those who need money in a short time and for different purposes. This entity has a wide range of products and services, among which are the credits. In addition, we can find dozens of branches throughout the country. You will surely find one very close to your home or work!

Within the Cacodin Bank Loans we have different options: personal loans, payroll loans and auto loans. These are its main features:

1. Personal credits

1. Personal credits

One of the most outstanding advantages of this loan is that the client can decide the term of the monthly payments according to his needs, between 24 and 60 months. The interest rate is 17% plus annual VAT, regardless of the amount of fees chosen.

It can be requested at any CitiCacodin branch once preauthorization is obtained as a customer. The minimum amount is $ 3000 and the maximum is $ 750000. It has no annuity costs, although 2% must be paid for opening and a statement of account statement.

The requirements of these Cacodin Bank Loans are: being Mexican or foreign with FM2 format, having a valid official ID, checking income for at least $ 5000, being a CitiCacodin customer, being between 21 and 80 years old, and providing proof of address.

As you pay your loan you can advance fees and finish paying earlier without penalties or additional costs!

2. Payroll Credit

2. Payroll Credit

In recent years, this loan has become the star among Mexican employees. Payroll credit is available only to those clients who receive their salary at the bank. If that is not your case, you can also request in your workplace to carry out the transfer to the entity of your choice (by law they must accept your request and make it possible).

This loan has annual interest rates that revolve around 15%, has no commission for opening or annuity and it is not necessary to justify the destination, that is, you can use it for whatever you want or need.

The minimum is $ 2000 and the maximum is $ 50,000 and it all depends on how much your payroll is. You can get it directly from an ATM and redispose the money you have already paid. Payments are made automatically every 5 months if the salary is monthly or 4 and 19 if it is biweekly. It can be paid in 36, 48 or 60 months.

The requirements for CitiCacodin payroll credit are: be between 21 and 80 years old; be Mexican or resident with FM2 format; have income of at least $ 2000 and a working age of at least three months; have valid official identification and in some cases offer proof of address.

3. Credit for cars

3. Credit for cars

As the name implies, this loan allows you to buy a vehicle, whether new or pre-owned; as long as it is for personal or family use. You can request it once you submit all the documents that indicate the amount of the car and meet the requirements.

The requirements are similar to the others Cacodin bank loans : be Mexican or foreign with legal residence (FM2 format) between 21 and 80 years old, with a valid legal identification (document or passport), proof of address (electricity, gas bills, water, property, telephone) and income of at least $ 2000 per month.

What happens to the so-called ‘preapproved credits’? They are increasingly popular and it is essential to know about them, whether personal, payroll or for cars. Through different means (mainly mail or email) we get a letter from the bank in question indicating that we have available a loan almost ready for us.

It is very difficult to resist temptation and not accept it. But, be careful, because many times that of ‘being so good to be real’ brings several headaches. Of course, if it is a reputable entity such as CitiCacodin it will not be a hoax, however, pay attention because sometimes the interests are very high. In our portal you have immediate loans according to your needs. Do not miss them!

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Execution on account – how does it work and what are your rights?

Getting into a cross with a bailiff is never pleasant. It is basically the only one – the culmination of the whole situation, which was connected with the fact that you did not pay your debts. Everything has come to the point where the bailiff pays the money himself. And in different ways, including:

  • Execution of property
  • Execution on salary
  • Execution on account

The last option is one of the most common. What if it’s just you? See with us how things are going, as well as whether you have any rights and what they can be.

Mostly suddenly

Mostly suddenly

The characteristic of execution on account is that it comes literally out of the blue. So to be specific, it is quite clear that if you do not pay your debts, it is possible to expect something like this. One day, you may use your card at an ATM, at a store terminal, or decide to transfer funds, but nothing happens. Nothing goes. And that means the execution on account has already occurred.

You’ll usually find out at your bank when you ask why your account isn’t working as it should. The worker at the counter tells you that the distraint is in progress and is blocked. On request it is also possible to get a specific contact to the executor, which is of course useful mainly because you want to discuss it with him.

Is it possible to find out about execution on account sooner?

Is it possible to find out about execution on account sooner?

Usually not. This is because the bailiff acts in such a sequence that he will first block your bank account and then send you a letter . This is a fairly understandable phenomenon and condition, as it will prevent you from withdrawing your funds from your account prior to the execution.

On the other hand, there are possibilities to learn about the execution on the account sooner, after all. If you know that you owe and do not repay, it is advisable to monitor the execution register, in conjunction with your name. As soon as a specific listing appears, it can be expected that your account will be blocked very soon. It is also advisable to monitor your account. Some banks, such as Fio, charge fees for asking your government about your balance. So deducting a charge will indirectly indicate to your bank that someone was interested in your account. It may have been just a tax office, but it is more likely that it was an executor. You can also verify this by requesting your bank to know who it was.

Can I get some money from my account?

Can I get some money from my account?

Let’s also look at your rights. This is related to whether it is possible to get any funds from the blocked account at all. And what is the answer? This is positive. It really is possible. But not the classic way, which would be associated with taking a card and go to the ATM. He refuses to give you cash. The only option is to visit a branch where you can tell your current situation and ask for a selection.

This is not automatic since it must first be verified and approved by the responsible worker. Everything can last for several tens of minutes. Keep that in mind. Also, keep in mind that it is not up to you how much you choose. It’s not even at the bank. Everything is governed by laws that say that the maximum amount paid is twice the subsistence minimum. And it was paid once. If you don’t have as much money in your account, you will be paid the amount that corresponds to your balance.

What happens to the money in my account?

What happens to the money in my account?

You already know what happened, you have double the subsistence minimum, and you are waiting for what happens. Now everything depends mainly on the speed of the executor. He withdraws the money in his account, and uses it to satisfy creditors. The procedure is based on asking the bank to send funds to his bank account.

Your balance plays a role here. If it is greater than the amount owed, of course, only take what it has. The remaining money will remain in your account after you release your account. However, when the amount owed exceeds your account balance, she withdraws all money from the account. And since the debt is not paid, the execution can be expected to continue in another form.

How long does the execution take on an account?

How long does the execution take on an account?

This is also quite individual. Ideally, if you have enough cash in your account, be aware that the execution will take several weeks. This is because all steps must be linked to administration and various official procedures. On the other hand, when you communicate with the bailiff and press him lightly, everything can speed up. A good bargaining position is when you have more money in your account than the amount of debt. He will deduct the amount in its entirety and then release the account.

However, if there is not enough money in the account, the execution of the account may take much longer. There is nothing unusual that we are talking here about months, but also years. The bailiff leaves the account blocked, mainly with the hope that he may receive some money in the future that he can reach. Unblocking will not take place until the debt is finally paid.

Not just one account

Not just one account

Good to remember that if you have multiple bank accounts, all of them can be blocked. It’s not unusual. In connection with this, the question arises as to the possibility of choosing twice the subsistence minimum. This does not apply to each specific account, but always to a specific person. This means that only one account can be selected. For others, it will be rejected. This is the reason why money cannot be withdrawn from an ATM and it is necessary to go through individual verification.