Month: April 2019

  • April 27, 2019

    Holiday loan

    Summer is coming, it’s time for an adventure. We work all year long, we learn and finally the longed-for holiday is approaching. We have been dreaming about how we will spend this special time for several months. If you not only want to rest and recharge the “batteries” for the next year, but also have unforgettable memories, we have to reckon with the higher costs of summer rest. Some people scrupulously postpone every month to have a large budget for summer madness, others – less strenuous – will have to consider whether the loan for vacation 2018, will make it possible to fulfill the dream of a wonderful rest. Holiday loan 2018 There are at least a few possibilities to obtain funds for a trip – cash loans from a bank, loans from a debit limit in a personal account, payday loans (now even available in a version with installments ). Let’s do a short review of the possibility of obtaining money, taking into account the cost of the loan and its availability to the client. Payments loans The loan is the easiest to obtain and at the same time the most expensive one. Obtaining money requires submitting an application on the lender’s website, which takes just a few minutes. No certificate of earnings are required to complete the application – all you have to do is fill in the amount of income you get. Some loan companies do not even check BIK data, but they often check registers containing data of unreliable debtors. An online loan for new clients usually ranges from PLN 200 to PLN 2000. Sometimes the first loan is free, subject to repayment within a certain period. Rates are granted for up to 60 days, although the maximum loan length is usually 30 days. Usually, the...
  • An alternative to bank loans are not only products offered by non-bank companies, but also private loans. When we ask for help from relatives, we rarely think about any formalities. However, it is worth remembering that such transactions are also subject to appropriate legal regulations. When does it apply and what is the tax on a private loan ? What changes were introduced in 2019? Let’s see! Private loan – what is it? When financial problems arise in our lives, we often ask for help from our relatives. No wonder, in the end, they are people that we trust. In addition, in many cases they do not require us to pay for the money you have borrowed. Typically, transactions carried out in a family or friendly atmosphere do not resemble official meetings with a client’s advisor or even submitting an online application on the websites of non-bank institutions. As a result, not many of us realize that from a legal perspective, they are perceived as a private loan subject to specific regulations contained in the Civil Code. By definition, these are all operations consisting in the transfer of a specific amount to the borrower by a natural person or institution that does not conduct activities of financial intermediation for a definite or indefinite period. Very often receiving money from family or friends, we do not specify a specific date of their return. Mutual trust allows you to transfer your capital free of charge with the conviction that eventually he will come back to us. Imagine a situation when someone in our immediate environment urgently needs a loan to repair the car. Having the right funds, and realizing that it is necessary for the proper functioning of the whole family, we will not hesitate even for a moment. Who at the...