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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.

 

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.

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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

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”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

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• 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

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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!

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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

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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

bank

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

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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.

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.

 

 

Sexual offenses, from the perspective of Criminal Profiling, have several strands with specific types depending on the country and the understanding. It is a very complex subject and can be analyzed from various angles. Pedophilia and paraphilia, for example, deal with specific aspects that involve sexual crimes and therefore need to be explained separately.

First, it is necessary to demystify some information found in common sense and that may even make it difficult to investigate erroneous ideas about how sexual crimes occur.

In Brazil, as in many other countries, there is a cultural environment that makes it difficult to determine sexual crimes, and it propagates information that inhibits victims from seeking the authorities to report.

There are researches elaborated by Ipea that have data from Brazil about rape from 2011 to 2014. Remembering that there is an enormous underreporting, then the number of cases is much higher than those studied and specified in both the research and the research done abroad.

For common sense, the rapist is an unknown person, mentally ill or a monster who commits a heinous crime in small number and who must be punished severely. Even prisoners themselves see the rapist as someone who must be punished and is often placed in a separate cell in order not to suffer retaliation from the other prisoners.

In addition, authorities need to be very careful when they indict a person for the crime of rape, since that person will be rejected and their life will never be the same again.

Looking at these facts, we see that there is a notion of high reproach when it comes to sex crimes. On the other hand, there is the blame of the victim and their fear of acting, because they may suffer a new violence when they need to recount the facts and are often discredited, as it is a crime that hardly leaves a trace.

With all of this, there are several myths about the rapist, and the profiler needs to know and understand reality to analyze a crime scene, since sex crime goes far beyond an act; it also involves the culture and social vision of the place where it occurred.

There are different kinds of rapes that can be related to: those committed by strangers, those committed by acquaintances, rape of vulnerable, male rape, marriage rape (which has recently been recognized by the UK) and collective rapes. All these sexual crimes have their peculiarities and can be analyzed from the general characteristics to the specific ones.

As for the facts about the rapes:

As for the facts about the rapes:

 

  • Most victims know the offender;
  • Most crimes take place in an enclosed space;
  • They have no evidence of the presence of psychopathology;
  • Focus on the expression of power and humiliation by domination, not libido;
  • Threat is the greatest weapon of the aggressor, not necessarily physical aggression;
  • It happens to any woman, regardless of her attitudes.

 

With regard to rapists:

 

With regard to rapists:

  • Usually they have committed five rapes on average before being convicted;
  • The main elements are anger, power and sexuality often linked to sadism;
  • Sex itself is not the primary motivation, but what the act means;
  • There are several classifications, including organized and disorganized;
  • They have a specific fantasy and try to keep it as close as possible.

From this information it is possible to infer that rapists are not usually mentally ill; who commit the crimes chiefly with known persons in enclosed places; who do not choose their victims by provocations but by individual fantasies; and that usually leave no trace, which makes difficult its capture.

They are motivated by the power, anger or sadism exercised in sex by submission and humiliation and not by sex itself, by libido. There is a sexual pleasure involved, but linked to the feeling that leads to committing the act, and may even feel in other acts as is the case of rapists who escalate to serial killers, something more common among those motivated by sadism and anger , because they are more violent and feel a sexual gratification not only of verbal but also physical violence.

In addition, by the momentary pleasure provided, they tend to act continuously, because they will always have the impetus to feel that pleasure again and will always act to satisfy their needs.

Sexual crime is a difficult subject to understand and often seen as a matter to be avoided, but it occurs all the time and therefore needs to be studied and approached more often, especially in investigations for better resolution.

 

Amends Decree-Law No. 2,848, of December 7, 1940 (Penal Code), to criminalize crimes of sexual harassment and disclosure of rape, to make unconditional the nature of criminal action for crimes against sexual freedom and sexual crimes against vulnerable, establish causes of increase of sentence for these crimes and define as causes of increased sentence collective rape and corrective rape; and repeals Decree-Law No. 3.688, of October 3, 1941 (Criminal Offenses Act). THE PRESIDENT OF THE SUPREME FEDERAL COURT, in the position of PRESIDENT OF THE REPUBLIC I hereby announce that the National Congress decrees and I sanction the following Law:  Art. 1 the This law typifies the crimes of sexual harassment and rape scene disclosure, becomes public unconditional nature of the prosecution of crimes against sexual freedom and sexual offenses against vulnerable, establishes a penalty increase of causes for these crimes and defines as causes of increased sentence collective rape and corrective rape. Art. 2   Decree-Law No. 2,848, of December 7, 1940 (Penal Code), is now in force with the following changes:  ” Sexual Importation  Art. 215-A. To practice against someone and without their consent, a libidinous act in order to satisfy one’s own lust or that of another: Penalty – confinement, from one (1) to five (5) years, if the act does not constitute a more serious crime.

 

Details of the Articles

 

Details of the Articles

 

 “Art. 217-A. ………………………………………….. ……….. ………………………………………….. …………………………………  Paragraph 5. The penalties provided for in the caput and in paragraphs 1, 3 and 4 of this article apply regardless of the consent of the victim or the fact that she has had sex prior to the crime. “(NR)  ” Disclosure of rape or scene of rape of vulnerable, sex scene or pornography  Art. 218-C.    Offer, exchange, make available, transmit, sell or exhibit for sale, distribute, publish or divulge, by any means – including by mass communication or computer or telematic system -, photography, video or other audiovisual record containing scene of rape or rape of vulnerable or apologetic or induces their practice, or, without the consent of the victim, sex scene, nudity or pornography: Penalty – imprisonment, from 1 (one) to 5 (five) years, if the fact does not constitute a more serious crime.  Increased penalty  Paragraph 1. The penalty is increased from 1/3 (one third) to 2/3 (two thirds) if the crime is committed by an agent who maintains or has maintained an intimate relation of affection with the victim or for the purpose of revenge or humiliation.  Exclusion of unlawfulness §2 There is no crime when the agent practices the conduct described in the caput of this article in a journalistic, scientific, cultural or academic publication with the adoption of a resource that makes it impossible to identify the victim, except for his previous authorization, if he is greater than 18 eighteen years.” “Art. 225. In the crimes defined in Chapters I and II of this Title, an unconditional public criminal action is taken. Single paragraph. (Revoked). “(NR) “Art. 226. ………………………………………… (I.e. ………………………………………….. ……………………………….  II – by half, if the agent is an ascendant, stepfather or stepmother, uncle, brother, spouse, companion, tutor, curator, preceptor or employer of the victim or by any other title has authority over it; ………………………………………….. ………………………………. IV – from 1/3 (one third) to 2/3 (two thirds) if the crime is committed:  Collective rape  a) by means of competition of 2 (two) or more agents;  Corrective rape  b) to control the social or sexual behavior of the victim. “(NR) “Art. 234-A. ………………………………………….. (I.e. ………………………………………….. ……………………………….. III – from half to 2/3 (two thirds) if the crime results in pregnancy; IV – from 1/3 (1/3) to 2/3 (two thirds) if the agent transmits to the victim a sexually transmitted disease of which he knows or ought to know to be a carrier, or if the victim is an elderly person or a person with a disability. ” NR) Article 3 Repeals: I – the sole paragraph of art. 225 of Decree-Law no. 2,848, of December 7, 1940 (Criminal Code); II – art. 61 of Decree-Law No. 3,688, of October 3, 1941 (Criminal Offenses Act). Art. 4 This Law shall enter into force on the date of its publication.  Brasília, September 24, 2018; 197 Independence and 130 of the Republic.