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To end up in a situation where you need to borrow money is something that most people experience. It can be anything from smaller quick loans to larger home loans. Obviously you are the one who ended up here borrowing USD 9000, which is not a very unusual amount to borrow.

It is often talked about the disadvantages of taking a sms loan, that there are always sky-high interest rates and other hidden fees. This is not true and the market today looks different than it did 10 years ago.

Factors that make your loan of USD 9000 can be expensive

  • You put up your loan for a short period of time, which means you can’t pay back on time.
  • You extend your loan from a lender who charges extra costs for this.
  • You misunderstand your installment plan. It is normal when sms loans become expensive. So it is better to put up the loan on a longer installment plan.

Benefits of borrowing USD 9000

Benefits of borrowing USD 9000

You will usually receive an answer to your application directly.
You usually have access to the money the same day or the day after.
In some cases, you can get an interest-free sms loan for a shorter time.

Borrow USD 9000

Borrow USD 9000

Borrowing USD 9,000 can in many cases be an advantage when compared to a “regular” loan where credit information is made . In this small section, we will explain why it can be a disadvantage to borrow money when the obligatory credit information is made .

Every time you apply for a loan, the bank / lender is required by law to make a credit report to check your current financial situation. If you for example. borrowing USD 9000, it is obvious that you should actually be able to repay the loan during a fixed repayment period.

What is important to keep in mind when you intend to borrow is that your credit rating will deteriorate every time you make an application. That is why you should only use sms loans . However, the credit rating only gets worse with the credit reporting company your lender / bank uses. This means that if you borrow USD 9,000 then your credit rating will not be adversely affected . This is because the various credit reporting companies have no communication between each other.

This is the biggest reason why we usually recommend people who intend to take a sms loan in this case to borrow USD 9000!

Borrow USD 9000 with direct payment

Borrow USD 9000 with direct payment

If you are in need of money immediately, there are several lenders that offer direct payments. In order for you to be able to get a sms loan through direct payment, there are certain things that are important to consider.

If you want the money on the same day, it is a must that you make your application within the time frame each individual lender has. Many have direct payments during special times that are not always consistent with customer service opening hours.

You also need to be able to identify yourself with an e-leg or bankID. This means that your application can be made automatically and you can get answers directly under normal circumstances. The last thing you need is a bank that the lender works with.

It may sound complicated but it is very simple and if you get approved on your application you usually have the money within minutes.

A consolidation loan is a way to combine several different monthly commitments into one. Make an appointment online with Good Finance during which you will find out your creditworthiness and choose the best loan offer for you.

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The very possibility of converting several installments into one may sound tempting. And if you add that the monthly amount of this one installment may be lower than the sum of several existing installments, it is not difficult to be tempted to use a consolidation loan.

Reducing the number of monthly payments if we do not use standing orders can certainly be a great help. But lowering the installment will require an extension of the repayment period, at least for some of the liabilities subject to consolidation.

This is where the possibility of reducing the new installment mainly comes from, and not from a significantly lower interest rate. Although it should be honestly added that some banks are willing to offer an interest rate of 1-2 percentage points. lower.

What obligations can you combine?

• loan / cash loan
• loan / mortgage
• consumer credit
• credit card
• the limit on the savings and checking account
• car loan

Consolidation, however, is worth using with caution.

Consolidation loan in three simple and convenient steps


Use the online cash loan search engine online. Advanced filters will allow you to find a consolidation loan ideally suited to your needs and narrow down the list of loan offers presented by the comparison engine.


Are you looking for a loan with the lowest installment or the lowest amount to pay? The search results sort function gives you the opportunity to compare loans the way you want.


As a consumer, you are aware that the economy is critical and that it is becoming increasingly difficult to save as well as to make ends meet. It’s a fact ! One in two households living in France is having trouble with their cash flow. But France is not the only country that meets this scourge. In Luxembourg, for example, 60% of owner households were in debt (2014 data). England and Germany are also affected by this scourge. Faced with this alarming fact, banks and credit organizations are proposing the redemption of credits. Does this financial operation apply to everyone?

The redemption of credits: concept and for whom?

The redemption of credits: concept and for whom?

There are two situations: indebtedness and over-indebtedness. Let’s understand the difference between these two notions:

  • An over- indebted person has a bad financial record. She usually lives above her means leaving room for unpaid bills. To try to find a good living condition, you must file an over-indebtedness file with the Lobec Bank of your place of life. Over-indebtedness has consequences such as the checkbook prohibition or the prohibition to take out new loans.
  • An indebted person has an unstable financial balance sheet, but remains able to pay his expenses. In this situation, it is possible to turn to a financial institution to make a check-up of its financial position and open rights, if any, to a purchase of credits. The purchase will reduce the monthly payments of credits and optimize the budget.

Who can request a consolidation of credits?

Who can request a consolidation of credits?

Although this type of operation is for everyone with at least two credits to renegotiate in terms of consumer credit or a current mortgage, we must be lucid, banks only give it under conditions. Thus, when one is stuck in Bank of France, it is difficult to access this lifebuoy. However, we must not lose hope. If a bank (or a credit institution) refuses your file, another one is able to accept it. Indeed, there are organizations specializing in the redemption of credits that analyze the demands of people in financial difficulty. Owners stuck in the Lobec Bank, for example, can access it if they provide strong guarantees (mortgage of real estate).

Making comparisons using online comparators remains a good weapon. If you have no knowledge of the financial market, know that it is possible to send agents. Agents are experienced negotiators who work to find the best solution for your profile.


Floating rate mortgages represent 46% of all mortgages contracted, which according to the financial expert is very high risk for the contractor.

Compared to 2016, the new housing market grew significantly in 2017, with contracts increasing by HUF 650 billion in 12 months, an increase of 39%. This was expected, according to mid-year data, although for 10 years it has not been similar in the housing market. In 2003, before the crisis, borrowings amounted to HUF 800 billion.

The dangers of floating rate loans are great!

The dangers of floating rate loans are great!

In the opinion of Mock Turtle and other financial experts, the driving force behind mortgage lending remains minimum interest rates, wage growth, the shifting of older offset loans and the upswing in the housing market.

The detailed data also show that home mortgages fixed for more than 10 years accounted for only 6% of the total amount – HUF 650 billion – an increase of 42%, but only HUF 41 billion. .

When we look at loans by interest and repayment details, the potential for risk is well illustrated for some of the loans.

  • Banks have contracted a total of HUF 300 billion of the three-month and 12-month fixed-rate mortgage loans, which is 46%.
  • According to experts, floating rate mortgages are more popular because they are cheaper than mortgages that have been fixed for several years and which provide security. Although the unpredictable and unexpected rise in floating interest rates has its chance.
  • Because, at a cursory look, the repayment details of floating rate loans are smaller, they can become very volatile in the future, creating a dangerous situation. If during the term the market situation changes or interest rates rise, the floating interest rate will also carry the repayment installment.

For example, we have a 20-year, 10-year floating rate mortgage loan, the interest on getting started

  • 4%, monthly repayment HUF 60,000,
  • With interest rising to 6%, it is already HUF 72,000,
  • At an interest rate of 8%, the monthly repayment may rise to HUF 84,000

“However, a fixed installment for several years or a fixed installment can be calculated with certainty and with certainty and our monthly expenditure will not change during the period under review

we quoted the expert’s sentences

we quoted the expert

He added that the popularity of fixed-rate home loans may be lower for the time being because the product is new, they are less interested and start with relatively higher interest rates and repayments.

Its popularity has improved, and more and more people are opting for this new design, especially those who put safety first.

Experts also expect that


”In the long term, fixed-term mortgage loans, such as rating systems designed for consumer-friendly qualifying home loans will increasingly take the lead in the market. “

If you would like to take out a home loan, you are interested in the possibilities of CSOK, you are interested in qualified loans, call our credit brokerage experts to help you with your decision!

Fill out our form, we’ll call you back!

In order to reduce the cost of his monthly expenses, a self-entrepreneur (now named micro-entrepreneur) can claim credit consolidation. For that, a reliable expertise is necessary to treat the feasibility of his file.

When a self-entrepreneur launches his activity, the management of his expenses takes an important place: calculation of the daily expenses, displacements, contributions and sometimes loans contracted for the launching or the equipment of his company (goods, advertisements, premises) or for his personal life ( purchase of real estate, advance cash, consumer credit ).

By grouping the various credits, the auto-entrepreneur reduces his financial expenses. It lengthens the repayment period, the monthly payments are reduced, and the balance of its budget suffers.

This solution is proposed to the auto-entrepreneur to facilitate its budget management. In order to qualify, the entrepreneur will have to provide specific documents in view of his professional situation for the processing of his file.

The repurchase of credits to the auto-companies

The repurchase of credits to the auto-companies

Whatever the employment situation, two offers are available:

  • the purchase of real estate loans;
  • the purchase of consumer loans.

Loans concerned by the redemption of credits can be subscribed in a private and/or professional capacity. The required documents are the last 3 IHR returns (monthly or quarterly depending on the reporting method), as well as the expense and income documents. This helps to assess the financial strength of the business.

Purchase of credits for the auto-entrepreneur: online simulation

Purchase of credits for the auto-entrepreneur: online simulation

In order to benefit from a free study as part of a loan consolidation project, a simulation form is made available to the auto-entrepreneur.
Whether the borrower is an employee or a company manager, simply complete the information and validate. This approach is free and without commitment.

A first estimate is sent quickly. For an in-depth study, the mandatory documents will be requested to validate the feasibility of the project.

According to the expert, the above values ​​are due to the explosion of popular qualifying consumer loans. Most demand has been for 3-5 year mortgages. However, the optimum would be for a similar increase in the rate of 5-10 years and over 10 years!

When we look at the sum, we experience the following!

When we look at the sum, we experience the following!

Mortgage borrowing remains unchanged, according to the central bank’s regular announcement, a 42% increase over last year, nearly 53 billion more than in 2017.

Based on the interest period, we can see what kind of loan was best selling among the population! Depends on the change in the interest period, the frequency of the interest change!

The rate at which loans with different interest rates were drawn.

2016 February 2018

1 year 41% 28%

1-5 years 31% 44%

5-10 years old 19% 23%

Over 10 years 9% 5%

Two years ago, floating rate loans were a priority, but as of February 2018, 28% of new retail loans were floating rate and 72% were over one year, so they took the palm away!

Which recording do you like best


• Mortgage loans with maturity over one year up to 5 years increased to 45% from 31% two years earlier.
• The 5 to 10 year fixation has also become more prominent, as it has increased from 19% to 23% of loans now placed.
• On the other hand, interest on loans over 10 years is declining, from 9% to 5%.

This would be the safest protection for borrowers against interest rate risk


If your interest rate is fixed for 5 or 10 years, then any change cannot affect our credit!

The biggest financial decisions of our lives are borrowing, the largest of which is borrowing for home, which has an impact on our family’s budget for decades, so no matter what option we choose.

If you would like to take out a home loan, you are interested in CSOK, consumer friendly qualified loans, call our credit brokerage experts to help you make a professional decision!


Although the following post is meant for home saving, I think it is an exciting topic. Who is responsible for the large number of defaulted loans? Who should stand for a loan rescue account?

Banks are scolded for putting credit on poor deceived people.

There is also a reason to condemn people, many of whom have been indebted for 30 years with full financial illiteracy and a pocket of debt.

What I want to write about now is the role of the state in the crisis that has developed. This is the least to say, though as guilty as the other two actors of this tragedy.

Increased demand was most severely generated by state subsidies and guarantees.

In the fortunate nesting program


The state has given a guarantee to low-income citizens that the otherwise completely insolvent masses will be able to buy their dream dream home for as much as 10%.

(Left) Luckily, they did not even have the required 10% of their own resources, because “socpol”, “semi-socpol” and “advance social”, that is, the non-refundable subsidy received from the state for (future) children.

What was the result of this? Masses started buying homes that could not even raise one million forints in 10 years, which means they did not save eight thousand forints a month. Not a single client started buying a home with the perfect zero, even the lawyer’s expenses were covered by a personal loan.

This mass represents the bulk of the debtors now in trouble


For those who do not have a few monthly reserves are guaranteed to be in trouble for 25-30 years, even without a crisis, as there are few lucky people who can say that they have never lost their job in 25 years or have been paid long-term sick leave.

It was stupid of the state to chase these people into the false illusion of home ownership.

The introduction of State interest rate subsidies was equally a mistake. The state spent (and still does) more than HUF 200 billion on taxpayers’ money to support the interest of the creditors.

Let’s face it a bit: without VAT, the state could build 20,000 pieces of housing each year with this amount of money. That is, over a 10-year period, 200,000 homes, which would provide a perfect solution for all those in need and the current credit crunch would be much smaller.

But let us not go against the MNB’s monetary policy either. In 2001, the National Bank introduced the Inflation Targeting Policy, which essentially sets itself an inflation target and blindly disregards all monetary policy with that objective in mind.

The result? He had never even approached the target of 3-4%, but had no visible result in this endeavor, but raised the base rate to the sky. This resulted in two things: Forint loans became priceless, everyone was in foreign currency debt, as forint loans were up to 10% higher than Swiss franc-based loans.

Another result was that the high base rate attracted foreign hot capital


which led to the overvaluation of the forint, which again sealed the fate of foreign currency debtors, as most of them were indebted to the strong forint and now the monthly installments were higher due to the weakening forint. The Czech Republic escaped this trap, barely finding any foreign currency loans, and even in the worst crisis, the state was able to finance itself at 4-5%.

The attitude of the HFSA, who did not raise his voice vigorously against the ongoing processes, deserves special mention. It took substantive steps to regulate the credit market only after the outbreak of the crisis, after a real rain in the mantle style.

Personally, I do not share the view of the state that mortgage debtors should be saved at all costs, because it is precisely the taxpayers who acted responsibly and did not jump into a loan for their power. The situation should be clarified so that those who were not even creditworthy at the time they took out the loan would lose what was never theirs. Saving the rest will also be a serious argument for taxpayers.

change bank

The basic interest rate, Selic, plummeted from 14.25% to 7% in just over a year. For those with debts contracted before this period, it may be worth considering transferring the debt to another bank that covers less interest on the loan.

This is because banks tend to keep up with the fall of Selic and lower the rates charged, as loans now represent lower costs for the bank with lower Selic.

But first of all, it is important to know the difference between debt portability and debt renegotiation, explains Iore Amore, economist at the Brazilian Institute of Consumer Protection (Idec). “The transfer of debt assumes that all conditions, such as balance payable and maturity, are maintained except for the interest rate, which should be lower. The loan at the new bank may be shorter, but never larger. Consumers should not be seduced by a larger loan or smaller installments that fit their pockets, ”says Iore.

If the new bank offers a larger loan for a longer term, it is more difficult to know if the operation is actually beneficial. In this case, she has a high probability of not bringing any benefit. “The higher the debt, the more exposed to interest the consumer will be. So, even if the debt has a lower rate it can represent a higher cost to the debtor, ”explains the economist.


Debt portability can be done at any time and is valid for any type of credit

Debt portability can be done at any time and is valid for any type of credit

Be it overdraft, credit card, payroll deductible credit, personal credit and even the financing of the car or property.

To port a debt, it is first necessary to investigate whether competing banks offer a lower loan rate. This will require them to analyze the risk that each debtor offers. Some may even decline debt portability if the debtor’s profile does not fit his strategy and risk appetite.


One way to check the average interest rate charged by each bank

One way to check the average interest rate charged by each bank

Modality is to access the Fotress Bank website. After identifying the ones that charge the lowest rates, just call an agency and pass some information to the manager, expressing interest in the transfer.

It is necessary to have in hand the statement of the evolution of the outstanding balance; modality in which credit falls; annual, nominal and effective interest rate charged; total and remaining debt maturity; value of each installment, specifying the amount of principal and charges; and date of last payday. This information should be requested from the bank with which the debt was incurred, which must provide it within one business day.

In payroll-deductible loans, it is also necessary to verify whether the employer has an agreement with the bank sought. If not, this will prevent the portability of discounted salary credit.

The bank to which the consumer wants the debt to be transferred, in possession of all data, also has a deadline to say whether or not to accept the transfer, which is up to three business days.


When carrying out the portability transaction

When carrying out the portability transaction

The new bank to which the debt will be transferred cannot charge any additional fees from the customer. It is the financial institution that must bear the costs of the operation.

The only fee that may be charged, according to Fotress Bank regulations, is a registration fee if the debtor is not a customer of the bank to which he wishes to transfer the debt.

The exception is real estate credit portability, where there are additional costs, such as property registry fees, for example.

bail bonds

It often happens to me that the general public perceives the link as a synonym for prison or the criminal code of imprisonment.

But the opposite is true.

While the custodial sentence is directly a criminal sanction, the aim of which is to punish the convicted, the detention constitutes only a criminal-law protective measure and is on an equal footing with the ban on traveling abroad or simply detaining.

In other words, the imposition of custody does not decide at all about the guilt of the accused, but about his detention for the purposes of criminal proceedings. The Court still respects the principle of the presumption of innocence. Sometimes this institute is called the restriction of the innocent’s freedom.

Facts About Bail Bond Services

A bail bond is posted for the defendant by an agent from the bail bond company via  [official website].

The Criminal Procedure Code in its § 67exhaustively provides for three cases in which the accused be taken into custody. The accused can only be taken into custody if his actions or other specific facts give rise to reasonable concern,

(a) flee or hide to avoid prosecution or punishment, in particular, if his / her identity cannot be ascertained immediately, if he/she is not permanently resident or if there is a high punishment,

(b) to act on witnesses not yet heard or co-defendant or otherwise obstruct the clarification of facts relevant to the prosecution;

(c) to repeat the offense for which he is prosecuted, to complete the offense he has attempted, or to perform an offense which he has prepared or threatened.

In practice, the distinction as follows slang bond áčková, or breakout, bond Beck or collusive and bond Čečková other words předstižná.

If the court further acknowledges that

  1. the facts found so far suggest that the act for which the prosecution was initiated has been committed,
  2. the deed has all the characteristics of a crime
  3. there are obvious reasons to suspect that the offense has been committed by the accused and
  4. with regard to the accused person, the nature and gravity of the offense for which he is prosecuted, at the time of the decision the purpose of the custody cannot be achieved by another measure, the so-called custody.

The binding is the ultima ratio

It should be noted here, however, that the bond is said to be the Latin terminology ultima ratio, that is, the very last means of detention to be used, unless the accused can be provided in another, milder way (by summons, demonstration, detention, or prohibition to leave abroad, etc.).

Furthermore, only the accused may be taken into custody, for whose intentional offense for which he is prosecuted, the law provides for a custodial sentence whose upper limit exceeds two years or. for a negligent crime three years.

How long can a bond last?

How long can a bond last?

Regarding the duration of custody, its maximum length varies according to the severity of the offense for which the criminal proceedings are conducted. Therefore, not only in pre-trial proceedings, the bond should only last for the strictly necessary period, but at most:

(a) one year when prosecution for an offense is conducted;

(b) two years when a criminal prosecution is conducted for a crime;

(c) three years when prosecution is conducted for a particularly serious crime;

(d) four years when prosecuting a particularly serious crime for which an exceptional penalty may be imposed under the Penal Code.

The longest theoretically possible length of detention is therefore 4 years. Of these maximum lengths of custody, just one-third of the pre-trial proceedings last from a record of the commencement of criminal proceedings until a possible prosecution and 2/3 of the classic trial.

Only in the case of B-type custody, ie in the case of custodial detention, the duration of custody may be no longer than three months, unless it is found that the accused has already acted on the witnesses who have not yet been heard or co-opted. What is important to note, however, is that time spent in custody is then included in any prison sentence. Therefore, if the convicted person is sentenced to 5 years in prison and spent half a year before the court’s final judgment, this half-year will be credited with the sentence. This means that the convicted person still has four and a half years in prison on the day of entering the prison.

As mentioned above, the custody is a criminal-procedural institute that greatly limits the personal freedom of a person. Therefore, it is important to examine quite often whether the reasons for which the accused was taken into custody still persist and whether they can be used to secure a person of a milder nature. This review is designed so that, at the latest every three months after the decision has been taken into custody, the judge decides, at the request of the prosecutor, whether to continue to release the accused or release him from custody.

The accused may apply to the court for release from custody

In addition to this procedure, the accused himself has the right to request the court to release him from custody at any time. If the application for dismissal has been refused, the accused may repeat it if it does not state other reasons 30 days after the last decision has become final.

The binding can also be replaced

The binding can also be replaced

It is also possible to replace the link if the court or, in the pre-trial proceedings, at the request of the prosecutor, the judge considers it appropriate to apply the particular substitution. It is possible to replace the escape and forward binding, not the collision. Replace in the following cases:

a) a guarantee of a citizens’ interest association or a trustworthy person who is able to positively influence the behavior of the accused;

(b) the accused gives a promise in writing that he or she will lead a proper life, in particular by not committing a crime, arriving at the court, prosecutor or police upon request, and always giving prior notice of his / her stay;

(c) with regard to the person accused and the nature of the case, the purpose of the detention can be achieved by supervising the probation officer;

(d) a monetary guarantee or a security deposit from the accused or another person. The affected body first decides whether in this particular case it is possible to replace the bond with a monetary guarantee and if it decides positively, then it determines the amount of the financial guarantee (min. CZK 10000) and the method of its composition.

Who decides on custody?

Who decides on custody?

The custody is decided by a court or a judge.

It depends on what stage is being decided. If the judge decides in the pre-trial proceedings and at the proposal of the public prosecutor, the court decides otherwise. The court decides on the application of the accused for release from custody and the prosecutor in the pre-trial proceedings.

What is a custody session

A relatively new institute from 2011 is the so-called remand meeting. It is a decision about custody outside the trial or a public session or during a preparatory meeting, or in the third case the defendant expressly requests the custody.

In general, however, it is preferable to decide on custody in the trial or in a public session where the accused is automatically involved. All members of the Senate and the accused are always involved in the trial in court. There is no need for a public prosecutor and a lawyer to be in custody. The meeting is in camera and a complaint is admissible.

Compensation for unauthorized detention in custody

Law no. 82/1998 Coll., On liability for damage caused in the exercise of public authority decision or maladministration in its § 9. 1 gives the possibility to claim damages fact, on whom been placed in custody and against him, the prosecution was halted whether the prosecution was acquitted or the case was referred to another authority.

The competent authority to which the claim is addressed, the Ministry of Justice. The Supreme Court states in its unifying opinion that adequate compensation for unlawful custody is 500 to 1500 CZK per day.

Conor McGregor continues giving what to speak not only in, but mainly outside the octagon. Last night on Monday night in Miami Beach, Florida, one of the UFC’s top names was arrested, accused of stealing a fan’s cell phone after breaking it off a nightclub. Hours later, however, the fighter left the jail on bail and limousine.

know more

know more

  • After being arrested in the USA, McGregor pays bail and is released; 

  • MMA fighter Conor McGregor is arrested in Florida for breaking fan phone

  • Conor arrested arrested for breaking and stealing fan cell phone

According to the Miami Herald, McGregor was annoyed to see a fan taking photos of him around 5:00 am in a nightclub. Immediately, the fighter grabbed the cell phone and stepped several times to break the device. The incident was spotted by local surveillance cameras, added to the Florida State Police report.

The exit from the chain, incidentally, was the way McGregor likes: with much fanfare. After paying bail for $ 12,500, the UFC star left the limousine spot wearing a custom shirt, which featured a newspaper cover permeated by a statement of its own: “When I say one thing will happen, it will happen! McGregor is back.”

Hours after leaving detention, Conor posted a message on social networks praising his patience and declaring himself to all his fans. “Patience in this world is a virtue, I keep working, I love my dear fans, thank you all,” he wrote in his official Instagram account.