What about fast loans is experiencing a new boom with the Internet? These are, for example, mini-clubs or mini-loans offered by a large number of financiers, which usually have some basic characteristics: it is granted only to residents in Spain, no carry-overs are carried out automatically, there are delinquency charges and interest arrears, etc.
The online loans are sold as money very easy to handle: no payroll or endorsement, paperless in minutes. It is something that can be read on the financial websites that offer them but, what can be considered of loans and credits online?
Online loan conditions
A website like Magnoliafinance’s terms and conditions that, upon acceptance of the loan, the amount will be automatically entered into the bank account provided, with the acceptance of the recipient.
Depending on the amount and conditions of the borrower, the lender will assess how the loan will be repaid, through the Distance Service (by email, for example) the requirements. On the day of expiration, you can choose the return or the extension, considering that the minimum of this will be 7 days (7% costs) up to 30 (20% costs).
The penalty for non-payment or fine is, in the case of the above-mentioned entity, 1% per day, as of the third day of default, plus 30$. In any case, the borrower may avail himself of his right of withdrawal, without having to indicate reasons and without penalty, within 14 calendar days from the date of issuance of the decision.
In this case, these are minicreditos of up to 1,200 USD that can be returned with a credit card, by transfer or in cash, within a period of 5 days or 62. In this case, as in other cases, attention must be paid to the type TAE, but also to commissions already linked.
The Helpmycash web ran a ranking with loans or credits that can be requested quickly and that are between 5.06% and 7.26% of TAE, and 4.95% and 7% of TIN.
Online Personal Loan Application
When proliferating companies that offer a particular service, so do the comparator web pages, such as Retreater.
You must specify the amount, the desired time of return (loans less than 300 USD must be returned within a period of fewer than 6 months), the reason you need the money, the employment status (indefinite, temporary, official, ...), the time spent with that type of contract, the profession, monthly net income, fixed expenses, date of birth, marital status, number of children in charge, type of housing (with mortgage or without it, rent, family home, company ...) and the postal code.
Once completed the process and taking into account the geographical location, will arrive to the electronic mail that indicates the personalized proposals of the different entities.
Other Money Making Options
The truth is that the new information technologies have opened up many opportunities to develop a business idea, which does not mean that there are not the same problems as a few years ago. Mainly, the lack of funding.
Although having money is not the first step (you would have to study a good business plan first), liquidity will be needed in the long run. That it is not the lack of it that holds an entrepreneur. Below, we compile other proposals.
- Public and private institutions. Tools for the entrepreneur are offered by different institutions, at state, regional and local level. One of them is the General Directorate of Industrial and Small and Medium Enterprise, which through its "Entrepreneur" channel offers a lot of information: project simulator, business plan, constitution process ... Local development agencies, schools business or chambers of commerce are other examples. Also the private investors.
- Help from family and friends. Having the help of someone close to you may be a good idea, but it is best to consider certain aspects, such as selecting the person well, being transparent with the purpose and the development of the plan and, if it is of high quantities, have more than one to support the load. In addition, it would be advisable to formalize the loan, even between individuals and without interest, to avoid possible problems with the Treasury in the future.
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