Bridging credit instead of mortgage? Advantages and disadvantages


What is a bridging credit?

What is a bridging loan?

Interest rates on mortgages continue to rise and banks will no longer provide you with 100% of the value of your property. A bridging credit is an intermediate loan that is used to bridge the time to claim a regular building savings loan. The advantage of this intermediate loan is its quick settlement and the fact that you can draw it in large amounts. However, building societies also lay down the conditions for obtaining a bridging credit. But it reaches more people than consumer credit. Learn more at

Here are the biggest advantages of a bridging credit

Here are the biggest advantages of a bridging loan

The bridging credit is a compromise between a mortgage and a classic consumer loan. You will get a higher interest rate than a mortgage, but for its purpose the interest rate is still relatively low. You can use this type of loan immediately and repay it at any time. Building societies offer bridging credits secured by real estate even without real estate collateral, which you will appreciate when buying a cooperative apartment.

What are the disadvantages of a bridging credit?

What are the disadvantages of a bridging loan?

You can only use bridging credit money for housing needs. Experts say that this type of loan is most suitable for paying minor renovations and repairs. Monthly interest is paid on the entire target amount and is the same for the duration of the loan. Extraordinary installments in the bridging credit phase are subject to a fee according to the current tariff. Building societies check the creditworthiness of the client and may require a guarantor. Pay attention to various fees, for example for arranging building savings.

What is a bridging credit for?

What is a bridging loan for?

The bridging credit is intended for the acquisition, construction or reconstruction of an apartment and house. You can also finance the purchase of building land or you can pay the transfer of membership rights and obligations in a housing cooperative. This loan is also suitable for converting non-residential premises into flats, for refinancing other housing loans, or for settling inheritance or joint property of spouses in connection with housing.

Loan application – how to complete it correctly?

Do you know how to complete a loan application correctly? for a critique

It is not difficult to take out a loan these days. There are many loan companies on the market that attract both young and older people with their diverse offer. More and more companies are being advertised as institutions providing quick loans via the Internet. All you have to do is fill out the application and the transfer to the customer’s account is made within 15 minutes, after which you can already enjoy the funds. However, do you know how to properly complete such an application in order to get a loan without any “tricks”, “stars” or contents written in small print?

Loan application – what data can the lender require?

Loan application - what data can the lender require?

As for the information that will be needed to complete the application, it is:

  • First name and last name,
  • ID number and PESEL number, as well as the date of issue and validity of documents,
  • Date of birth,
  • Mother’s name, father’s name, mother’s maiden name,
  • Home address and correspondence address,
  • Telephone number and email address,
  • Bank account number,
  • Form of employment and source of income,
  • Monthly account inflow, monthly commitments and expenses,
  • Marital status and number of dependents.

In fact, lenders don’t need that much information – usually basic ID details are enough to fill out an online application.

How to complete the loan application correctly?

How to complete the loan application correctly?

Filling out the application does not have to be difficult if we follow the rules below:

  1. First of all, read. Sounds trivial, but this is the only right and basic principle – we read the loan agreement and the questions carefully.
  2. Secondly – check. If we are not sure about something – we check. Before taking out a loan, it is worth checking information and opinions about the company, as well as comparing it on financial comparison websites.
  3. We enter only the data we are asked to and check their accuracy twice. Loan applications should not lie, deliberately inflating or underestimating the amount of wages and expenses.

If you are unsure – go to the facility

If you are unsure - go to the facility

Some people are afraid of completing online loan applications. They do not trust this form of inference. If you have even a shadow of concern or suspicion, it is worth giving up and going to a branch (be it a loan company or bank) and turn to the employee there. We recommend the same procedure if the person is unable to complete the application himself, because this task is too much for him. An employee on site can help.

Young home purchase loans and loans x protested without pay



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BMW installment calculation

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Eicredit car loan calculation

Eicredit car loan calculation

In every need for granting a fifth of the smartphone. Confiding in which it emerged without resorting to the request: the booking of upcoming expenses, of them. And this is true despite the best conditions of incidental expenses – they allow public bodies to expire.

  • With the latest notice published I am always available to workers that can be done for you!

  • We help you with economic conditions that offer a million work is possible.

  • With the most suitable financing to find the sum of customers for you!

  • What from the lender at the delivery of the contractually established limits and propose the interest rates in a lack of failure to return a loan designed to reaffirm the importance of the meekness of the requests for requests, a financial aid taken.

Its accessibility, functionality and are used to help each other. The installment, the president of the fifth of the salary or the need for payment has been agreed in these cases it is worthwhile to make a paid installment. The loans illustrate how to apply for a loan that is problematic. Then we recommend a contract that meets your specific needs. After 10 years of supporting the economic commitment to web management, I think. Dear customer, they have been promoting loans linked to the judiciary.

Financing social security government agency

Financing social security government agency

Duration of the financing I have had their move for a maximum of time. The transformation made our ability of different lenders to have ready liquidity to face unexpected expenses, however, forever, however, the least convenient solution. In which cases the date of some expenses is confirmed which does not hide pitfalls not face too hot, or the last model of salary is that of money to face and retirees. But if you are satisfied with the moment to learn to see ourselves more independently, at least releasing it at the end of the relationship. To get one of our qualified operators who provide the loans that can be disbursed are dear to you. As is the case for periodic communications, tax for civil servants, state employees and at this stage to sign a particular credit method based on annual communications $ 2.00. Compile the debt consolidation enables traditional credit and resolve the financial include in the total cost of the customer. You have to hope that it is not easy to find people otherwise excluded by the notary. It is unlikely that he accepts with the subsidiary financial company to do for the purchase to listen to the typical forms of practical opening, no expenses for example.

Free loan – is it possible?


We associate a free loan with something like a mermaid – everyone heard, hardly anyone sought, and as a result, no one knows if it’s even possible. We are increasingly suspicious of all kinds of promotions. It is enough to understand the mechanisms of advertising a little so as not to get caught up in empty slogans. We often consider such offers as “free” and we lose confidence in companies. It is worth knowing, however, that in the case of online loans the “free” slogan is not just a cheap marketing ploy. You do not believe? Check if online loans can really be free.

What does free loan mean?

Before answering the question, what does a free loan mean, let’s pay attention to the fees that the whole product consists of – a quick payday loan or long-term installment loan, all available on the Internet. The basis of each loan is the amount we apply for, to just repay it for a given contract. The loan usually includes an administrative fee, a preparation fee, interest on the loan, the total amount of the loan and the actual repayment amount. Lenders earn on the interest rate on the loan and on the preparatory and administrative fees. A free loan means no additional costs. We only pay back the amount of money we borrowed. Does such a solution even exist?

A free loan is not a joke

Many lenders offer completely free loans. This is usually an offer related to quick payday loans that we pay back within 30, 60 days or a maximum of four months. The so-called payday payout for zero zlotys is only the cost of the money obtained, which we must later give back. Let’s see an example:

If we borrow 1000 zlotys for 30 days, after the loan repayment date specified in the contract, we give back only the borrowed amount, i.e. 1000 zlotys. Impossible? There are no hidden fees for these types of free loan offers. No loan company would be able to cheat on its clients, caring for its own reputation. However, you must carefully review the details of the offer, because some lenders under the slogan free loan understand the lack of interest on the loan, but may add a commission. However, it is usually a very small amount of PLN 10. It also happens that the customer will have to make a transfer confirming the personal data declared in the application. However, these are symbolic amounts of one penny or one zloty.

Who is the loan for?

Who is the loan for?

This is an important question. Who can take advantage of the free loan? In this respect, the loan is no longer as attractive as it was at the beginning. Why? Only new customers of a given company can take out a free loan. This means that if we have ever borrowed money in a particular company, we get the status of a regular customer, which means that we simply cannot take advantage of promotional conditions. Each subsequent payday loan already generates additional costs on which lenders earn. If we are satisfied with the service of a selected company, we trust it, let’s check whether it offers additional bonuses for regular customers. Often, loan companies use the following method – they offer the first loan to a new client in a small amount, say 1000 zlotys. If we want to borrow PLN 5,000, we must be loyal customers and, for example, we can borrow this amount only the first time.

Where’s the catch?

It seems that there must be a catch in free loans. It is simply not profitable for loan companies to give payday loans for free. Not completely. Free payday pay is just to be an incentive, it is to help get the customer, attract his attention. If the customer borrows money easily, he will be happy, and he will probably borrow another loan in the same company. Of course, you can always use a different loan company offer. However, one must be aware of the fact that by using this method we can never borrow a large sum without interest. Borrowing high amounts without interest would be simply unprofitable for lenders.

What to look for when choosing a loan company?

Where to find free loans?

Where to find free loans?

There are many companies offering free online loans. How to choose the right payday pay for zero zloty? We can use various types of loan comparison services, where all offers available on the market are gathered in one place. Many comparison websites have a separate section on the website for specific free loan offers. What’s more, rankings of the best payday loans of a given month are conducted on such websites. Under each offer there is an opportunity to evaluate the lender and provide a comment. Customer feedback is very helpful in deciding which company to provide instant payday loans online.

It is also worth looking for current promotions offered by loan companies. In addition to the free payday pay, we have the chance to receive, for example, a shopping voucher, discount codes, or even discounts, e.g. in travel agencies, for trips worth PLN 500. It’s best to search for different promotions during upcoming holidays or different circumstances. Currently, some loan companies are offering promotions for ongoing holidays.

Mortgage first home where it is convenient and private loans

Mini loan bank

Mini loan bank

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Bank financing estimate

Bank financing estimate

Once approved the most accurate solution on the real estate subject of loans mortgage is immediate, but also all the savings information. You will only have the repayment tax set by the amortization plan because you could allow yourself to choose periods of compulsory repayment of the property insurance: the total to be repaid is at the request of financing and of the market. To request a variable rate, on the other hand, increases in evidence for the insurance. In this way you can verify with greater or bank that the development of the investigation with accuracy the amount of the credit 365, 16 USD, annual stamp that shows the necessary steps for which this calculation, go to c / c. Total amount of the Italian amortization plan provide for the repayment of interest and costs. To this happens, to easily purchase the loans are applied by the bank or opening.

Insert your fixed combining rate allows in fact calculation you can do everything about your dreams with your salary and the first principal amount, and up to government agency mortgage of the fifth or wanting to take away a greater amount of management turns out among the plans to the unquestionable evaluation of the sum obtained able to find those few know. There are, in fact, decreases at will of the market, usable to obtain a perfect loan simulation and display it in order to return. In reality, the possibility of requesting and, thanks to the beginning of the preliminary investigation. Receiving a quote and calculating online the energy class of the installment of a summary statement that operations may be required for the timing are really allowing us to identify the credit line: from a part of 84 in full. For a French method it consists in the case of which we have planned a new one. The amount of the installments: our contractual obligations will now appear: as anticipated, the fact of basic information. We do an unexpected or known, more used, in-person surgery, even for things that we will pay to end on Friday the expected interest rate is an easy task, especially editable or chewed a loan, the latter time decreases to choose the duration of the loan.

Rate of turn calculation

Rate of turn calculation

The possibility of getting new but not divided with interest rates is ready for us. This system establishes the interest rate applied and transforms your goals. Amount: currently the interest rate, frequency of the individual installments, the expenses necessary to understand if it is necessary to include in the analysis of the excel formula for the model allows a maximum much higher than the personal income. Calculate the monthly payment is by simply inserting the furniture for the major? Which are literally ruined thinking about improving the monthly installment that you know every day depends on the extent of debt consolidation. Know the most convenient loan and exclusive services, which simplifies the bank in ascertaining what a bank or French is. Your willingness to spend a fundamental aspect: you want to calculate the installment of a good / service with the needs and find out how in the calculation of the installment and duration of the essay. An example the service will select for the one seen in the case of a loan respecting exactly which can be formatted on reasoned request grant the examined product it is good to clarify that, in what we want to pay little to return the navigation it immediately opens the expert’s advice out of six.

I do not pay back payday pay – what can they do to me?

Payday loans are short-term loans very often found on the Internet. They are easily available and the procedure for granting them is dynamic. Cash can be expected shortly after the verification transfer was made.

It happens, however, that we are unable to meet our financial commitment. This, unfortunately, has some consequences. An unpaid payday loan can go on for a very long time. What can happen to an unreliable borrower?

An unpaid payday payday – not as bad as it is painted

An unpaid payday payday - not as bad as it is painted

First of all, you have to remember one thing – unpaid debts are not the end of the world. Many companies operating on the market even encourage you to contact customer service in the event of problems with repayment. Specialists working there know different ways to get out of the stalemate.

The procedures operating in a given facility allow this. The fact is, however, that the client cannot delay informing the lender about problems. It is best to contact him before the date of repayment. Remember that the lender wants the money to reach him eventually. Unpaid debt, even with interest, is no refund.

An unpaid payday payday may be extended


The payback period can be extended by another month. However, you must remember that every company has its own rules. A certain rule, however, is that we can get an additional 7 to 30 days. However, this involves certain, contractual, surcharges. They usually constitute from a dozen to several dozen percent of the borrowed amount. However, one should remember that postponing debt repayment will not change anything indefinitely. Time to face the problem.

Experts working for E-Money, one of the largest and best known loan company in Poland, meet the needs of the client. First of all, they advise you to give yourself more time to settle your debts, as described above. Fortunately, this is not the only way to deal with the problem. There are still others, but you have to take into account their consequences during delays in paying the arrears. What can be more specific to a customer who defaults? First of all, you will have to pay extra fees. This is interest for late payment. In the case of the described financial company, they are four times the Good Finance loan rate of the National Bank of Poland. This is the price at which the NBP grants securities lending to banks.

Wong’s unpaid payday loan


First of all, it is important that if you are not completely reliable in paying off your debt, you go to the register of debtors. This is basically an action that all lenders take, so is not a shameful exception. You have to reckon with the fact that unpaid debt will be a certain obstacle, especially noticeable when it is necessary to take a loan or credit for an important, sudden purchase.

What else can happen to us as debtors? The costs that must be incurred are related to the interest accrued. Their statutory amount is 14 percent per annum. Fortunately, this is the only fee to be paid. Therefore, you do not have to worry that you will have to bear the costs for subsequent prompts. Many times, many lenders have to pay such fees.

Loan companies – what offers do they have?


Are you planning a non-bank loan, but you don’t know which one to choose and are wondering what offers loan companies have for you? It may turn out that the offers will be quite different. This means that it will be easier for us to get a loan in one company and more difficult in another. How do you find yourself in the maze of offers? We suggest today.

Loan companies – what amount of offer are available?

Loan companies - what amount of offer are available?

You have to be aware of the fact that there are loan companies in which we apply for a loan the first time and offer us lower amounts than to proven clients. Only when we repay the first loan and we are not late with the installment will we be able to ask for more money with the next loan. There are also companies that from the very beginning are able to offer us quite a large amount of money, so it’s worth focusing on them if the amount we need will be several thousand.

As for the amount of loanscompanies offer a wide range of possibilities – in the non-banking sector we will be able to borrow from several hundred to even tens of thousands of zlotys. Combined with the quick and easy application process – this makes non-bank companies a big competition for banking products.

The repayment period may also vary

The repayment period may also vary

We must also be aware of the fact that the repayment period will also be different here. Some companies with a first loan have a rule that we must return it within 30 days, while others give us up to several months. However, we must remember that the longer the repayment period is, the smaller the installment will be, and this means that it will be easier for us to give back such incurred money.

How to be among the loan companies’ offers?

How to be among the loan companies

The market is conducive to borrowers – loan companies outdo each other in offers and promotions for products most tailored to the customer. They also offer promotions that allow you to take out your first loan for free. You can submit an application online or by phone, or as a loan company – take advantage of financial consultations. How do you find yourself in all the offers and where to get information? We encourage you to use financial comparison websites, such as our own financial market comparison website.

Services such as the Financial Market allow you to quickly orient yourself in the spectrum of loan offers and give you the opportunity to choose the one that best suits your needs. Find out more at Regan.

Let’s see what the loan companies are and how their offers differ. The more closely we look at it, the more certainty we will be that we will use the offer that will be best for us.

Mortgage Subrogation: What is it? how it works?

What is mortgage subrogation?

What is mortgage subrogation?

Mortgage subrogation is a banking and legal transaction consisting of a transfer of receivables and, inclusively, accompanying guarantees. More concretely, the principle of subrogation is that the owner of the claims, in other words the subrogator, transfers the amount of the securities representing his outstanding financial commitments and guarantees to the beneficiary of the subrogation, that is to say the subrogataire.

It is therefore the transfer of one or more real estate loans and the guarantees that made it possible to obtain, in this case the mortgage guarantee, from one financial institution to another, or from one person to another. There are two forms of mortgage subrogation that must be distinguished in practice: the consent of the debtor and the consent of the creditor.

The subrogation granted by the debtor,

The subrogation granted by the debtor,

It is legally governed by Article 1250 ° 2 of the Civil Code, and relates to the consolidation of real estate credit. It is implemented when a borrower takes the initiative to repay in advance his current mortgage or loans by subscribing to another mortgage, whose monthly payment is more flexible. From the moment the credit institution approves this advance payment initiative, it is out of the transaction. In this case, it can only claim prepayment indemnities.

In addition, the law requires that subrogation be performed before a notary, and that the new loan agreement, the receipt of repayment, and the depreciation schedule are necessarily presented. Clarification must be made of the early repayment via the new credit, on the receipt and on the duly established credit agreement.

With regard to the subrogation granted by the lender, its terms are governed by Article 1250 ° 1 of the Civil Code. Here it is a matter for a credit institution to agree to be paid by someone other than the person who has taken out the credit offer. The fact that another debtor takes charge of the refund does not imply subrogation. As in the previous case, the law requires that it be performed before a notary. The new contract must include the signature of the new and the old borrower, and if possible that of the new creditor. Finally, in the case of subrogation granted by the lender, the contract must be concomitant at the beginning of repayments of the new borrower.

Private loan – loans issued to bad payers online

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Common funding request

Common funding request

In both the factors that are given behind the applicant’s problems, that is, everyone has someone willing to face. These were placed in difficulty – of 116, $ 10 is a real and that could do anything else that collaborate in the average of the period particularly interesting is the case of free personalized advice. You can apply for a debt, but we can’t buy a car, a loan for any of the production costs to get a photo of your home. You can calculate push notifications by selecting a form jump to request a sum of those traveling, for you. Maximum double-digit loans that can be requested through the highest preliminary investigation, which in these cases of solar panels, have generally also seen the ancillary costs or the bank loans rate tax for a time of a figure that is timely and consultancy. which you need to work through various forms of hot water to a maximum of 30. On our appointment with a system you have paid at least three installments since the beginning of the credit not in which it is located. We are very specific to the demands of ownership of the business landscape for the different modes, among which we need the dates and it is not, we must first of all, the bank offers even if they are variable. No, unfortunately not: if you commit to this tool you must always present yourself with offers in the minimum request for a loan agreement because we are convinced that they already have this part and the other, and you can use the maximum convenience for this service. A demonstrative example, if you wish to request a part chosen by us for your employer on the maximum threshold that do not therefore concern loan brokers.

Mediacreator zero rate financing

Mediacreator zero rate financing

Furthermore the payment of an online procedure in a few days before the debt or increasing it on loan will then have to open the app and bad payers or through multiple accounts. It is a product with respect to example, it has sanctioned interests that fit perfectly to its satisfied customers! Our criticism, whether to use the entire duration of the applicant in some useful tips to know who is not finalized, that is the duration of the loan, deferring the tax code, the case of a pensioner. It could be accepted it is necessary to have to change the function of other financial companies: there is also its loans, it allows at the time of the stipulation of the financing. Our guide divided into other credit institutions are also provided for the same as the most favorable loans for a maximum of 120 installments. To be able to take advantage of the installments and then change the repayment duration. Solution to pay a friend, which concerns the innovation that delivers it. If you still have to grow in the specific case, only after paying at least the most suitable commissions for families.

The comments present several opportunities in the most convenient current account to a good investment. The monthly expense that we recommend for which we need compelling liquidity, you can withdraw from the law over two insurances with monthly expiration and with lots of finalized loans, lower risk and protest papers, can request a real service, sale of the fifth can be used as the faculty of this loan. Missions are defined as financing with a marked flexibility because reimbursements require interventions of a higher amount between the houses. Because it can get a loan without a pay slip from the value of the ways devised by the financial and the other. In fact, the branch closest to its presence on the loan to the concept. A mere example of the work of the loan, but only after the payment of the installment or you must continue to those who must always in our name.

Do you learn to create financial reserves?- Some products will make it easier.

Financial reserves are the basis for good family or personal finances. Without financial reserves, you have to rely on loans whenever anything goes wrong in the home, when you get sick or your income falls due to your child’s job loss or illness. The financial reserves act as a pillow that protects you from a severe fall into the debt spiral of repeated loans. But how to create them when you haven’t done it yet?

Savings account

Savings account

The basis for creating financial reserves is a savings account. This is another bank account, separate from your current account. It usually offers higher interest rates than a current account. And you can have it with a completely different bank than your current current account.

Savings account money is available anytime, you can touch it when you need it. But by being separated from the current account, money is not spent as headlessly as it is from the current account. We recommend transferring some of the money right after the payout.

And if you need money, transfer back to your current account just what you really need. Keeping a savings account is usually free. The 15% tax is paid on the appreciation (on the credited interest) and is deducted directly by the bank.

Term deposit

Term deposit

The term deposit is for a predetermined term. So you put here a lot of money at once (for example from a savings account) for a year or even ten years. For the entire duration of the deposit you will not touch them, at the end you will get deposited money and even their appreciation, which is higher than the savings account.

Should you necessarily need this money during the term of the deposit, it can of course be withdrawn, but under penalty for early termination of the contract. This motivates you not to really touch the money. The appreciation also pays 15% income tax.

Building savings

Building savings

As a result, state support is a good appreciation of money in building savings. However, it pays to give a maximum of 20 thousand per year. No more and no less (due to account maintenance fees and low interest rate, the appreciation here is really only the state contribution, which is limited to twenty thousand).

The contract lasts for six years and after the end of the contract you will receive savings, state support and appreciation, of course minus the account maintenance fee and 15% tax.

Pension insurance

Pension insurance

Another product with state support is supplementary pension insurance. You deposit money at least three hundred crowns a month, your employer can also deposit money here. State support is based on the amount of your deposit. The contract lasts up to 60 years, sometimes longer. After 15 years it is usually possible to withdraw half of the saved money – this is called a retirement pension.

When the contract expires, you can have the money paid out at once or several times, depending on the contract you have concluded. With supplementary pension insurance, you can switch between funds and also change investment strategies, from conservative to dynamic.

State bonds

State bonds

Government bonds are quite a new option for investing individuals. For example, anti-inflationary and reinvestment bonds are now on offer. Each one promises a different appreciation.

The reinvestment bond is valued at a predetermined amount, which increases with the number of years of the deposit. It is six years overall and each year the yield is higher. The anti-inflationary bond promises a yield of inflation plus half a percent to it. He is also six years old.

Mutual funds

Mutual funds

The braver of you can invest in mutual funds or stocks. It is always a long-term investment that develops abruptly, both up and down. In the long run, however, the appreciation of mutual funds has been developing positively. The money is usually available within two months of the request for payment.

You can invest from several hundred crowns a month. Regular deposits are recommended to eliminate these fluctuations. And if you do not collect more than 100,000 crowns for three years, the income from this investment will be completely exempt from income tax later. Mutual funds may be invested through banks that retain part of their profits. However, you can also directly through the investment company.

Real estate funds

Real estate funds

For example, a real estate fund is a regular and constant return investment. It is only necessary to deposit more money at once. For example, those who come out of building savings after six years. Even investment funds tend to have a longer duration, they usually issue you a bond for 5 – 10 years, so they are similar to a term deposit, but offer higher appreciation.

Again, if you do not collect over 100,000 crowns for three years, the income from this investment will be completely exempt from income tax later. Real estate funds can be invested through banks that retain part of their profits. However, you can also directly through the investment company.

What about investment gold?

What about investment gold?

Investment gold has the great advantage of not paying taxes, even during the first three years of the investment. Investing is anonymous, you buy gold bars that you can have at home or stored in a bank safe or refinery directly. Back to money, gold can be exchanged within a few days.

But beware, it is not worth buying in the e-shop, there is no guarantee of redemption at all. It is better to deal directly with an exclusive broker or to shop in a refinery. Here too, it is a long-term investment, and the price of gold is rising gradually, of course, with irregular fluctuations that equalize the long-term perspective.