Home Loan – List of Loan Companies That Will Bring You Money Home




Optima is a loan company that allows you to get a loan as part of your home service. The first step to the loan is contact with the company’s representative – via the company’s website or via the helpline. We will be arranged with a consultant who will answer our questions, prepare a loan agreement and also pay us money. The Optima company offers up to PLN 20,000 for a period of 4 years.

Home Loan

Home Loan


Home Loan is a loan company that offers its customers loans in the maximum amount of PLN 10,000, with a repayment term of up to 36 months. To obtain a loan, you must complete the form on the company’s website at the first stage. A company representative calls back to the applicant to assess his creditworthiness. When the decision is positive, the Home Credit representative will come to the applicant’s home to sign the relevant documents and withdraw cash.

Stork Loans

Stork Loans


Stork Loans is a loan company for both individuals and companies. You can borrow from it for 600 zlotys, and repay the debt for a maximum of 52 weeks. In the first stage of the procedure, we must contact the company via SMS, hotline or website. Then there is a telephone conversation with a consultant to assess our creditworthiness. If everything is in order, a representative of the company who will come to us to sign a loan agreement and pay us the cash will arrange for us.

As you can see, we can still get money without leaving home and without a bank account. It is certainly an interesting alternative, but you should be aware that such loans are more expensive than those offered by banks.

How To Benefit By Using Interest-Free Bank Money


 Bank lends money to interest and offer credit for all sorts of purposes, for this, customers charge extra on the amount of capital funded. But how can you use the bank’s money without having to pay interest on it? Interest-free bank money! Is there any banking benefit I can use without having to pay interest? Of course you do!

If you are wanting to borrow money fast, no bureaucracy and do not have many alternatives at your disposal, getting a short term loan may be the easiest way to solve your problem with financial resources. While many seek to avoid this type of fast loan in the bank, a good part uses and benefits from the advantages that the institutions provide for some clients.

A great sage wrote “Less interest, Less trouble”. Currently you can avail banking services that put money at your disposal and you virtually do not pay for interest on the loan. Let’s see what they are:


1 – Bank Personal Credit Limit :


1 - Bank Personal Credit Limit :


Overdraft, Withdrawal Limit, Easy Limit – No matter how your bank calls the special check, what matters is whether you can use interest-free grace periods between 1 day and 20 days free, check with your bank.


2 – Credit Card :

2 - Credit Card :

I have said that credit card when properly used is a secret weapon in your budget. Every card actually lends you the cash advance so that you can pay up to 40 days free, no interest or surcharge. Paying the bill on the day of winning will make the card be your best friend, and not pay your worst nightmare.


3 – Lack of Personal Loan :


3 - Lack of Personal Loan :


Not many offers, but when the client appears to have up to 60 days for the first installment of the loan or personal loan, just be aware whether or not this will be charged to you with interest, if not have an increase go ahead.


4 – Free lot:

4 - Free lot:


To get more customers, banks and financiers offer a free installment if the loan is paid on time, there are no delays or debits in the current account.


5 – Minor term :


5 - Minor term :


One of the modalities with the cheapest rates in the market also offers benefits, a common operation is to offer the client ex: 58 or 59 installments instead of 60, in this case check if the value of the lesser term, the balance released and interest, corresponds to that of the competing bank in the larger portion.

In short, if you are trying to find a fast, easy way to get money from interest-free banks and still be benefited with discounts on installments or fees, check with your bank or your lender what type of operation offers these possibilities. It is worth remembering that the overdraft used during the grace period can be a great bargaining chip.


Banks create More Credit Analysis Company



Banks come together to create another credit analysis company . This was the information recently released by Febraban. In Brazil we are already accustomed as the countless companies that evaluate and say whether or not we can get credit, loans, have credit card, make financing and this whole issue that involves the release of money from term loans in financial institutions.

We have in the Tupiniquins lands, the Experian Serasa, SCPC, SPC, Equifax and many others known and not known. Not to mention the famous and hidden blacklists that supposedly many say exist for various purposes, but no one can prove they are real.


What is Credit Analysis?


Credit analysis according to wikipedia is ” the time at which the assigning agent will assess the borrower’s potential for return, as well as the risks inherent in the grant. This procedure is also carried out in order to be able to identify the clients who may not meet their obligations in the future, thus creating a situation of cash risk to the organization. “

In recent years Serasa Experian has remained a legitimate leader as the information provider of the vast majority, if not all Brazilian banks and credit institutions in this country. The informed news says that Banco do Brasil, Bradesco, Caixa Econômica Federal, Itaú Unibanco and Santander will form a group to create an analysis company to manage “credit intelligence”.


analise de crédito em bancos

The creation of this manager should allow the banking sector and other credit institutions to improve their capacity to analyze, evaluate and manage their loan, loan and financing portfolios. The analysis of credit capacity involves registrations of both individuals and legal entities.

The idea is fresh, so an ambitious and sophisticated project like this does not go overnight, the “banking group” estimates that it will be necessary for the completion of the new credit analysis firm , at least four years to do all structure and include the data (registers) that enable the operation to start operating.

We have now seen the creation of the Positive Register, which seems to have not worked very well, in which the consumer citizen informed certain data to validate the registration. According to Febraban, the new credit analysis manager will need the prior authorization of the clients, in this way the financial institutions will pass the registration data and credit of individuals and legal entities to the intelligence manager.

This will undoubtedly be one more way to create specific, selected customer profiles by joining the dozens of other existing forms. The impression is that this company will be a direct competitor to Serasa Experian and SPC Brazil, since it is not just a simple register of defaulters and defaulters – these types of companies generate millions of reais in annual profits.

The most interesting is that famous litany as always, Febraban added that the new credit analysis company may consequently improve credit analysis and management and thereby reduce the spread (the difference between the rate of fundraising by banks and the collection of customers), delinquency and over-indebtedness of customers.

Now, who does not know that this difference is almost never passed on to ordinary customers. Let’s wait four years.

New Year’s Financial Provisions – Finance | Payday Loans

When the New Year begins, most of us make New Year’s resolutions. Some of them deal with matters related to diet, some with health, but a large part of people decide to change something in their finances. As studies show, in their finances every year, something up to 50% of people in all age groups want to change something.

Proper management of the home budget is a problem for many people. We spend too much money, we save too little, therefore, often our finances are in a deplorable condition. And we do not have to “compress” a lot to restore the home budget. And proper financial management is often our New Year’s resolution. But what do we promise ourselves most often? It turns out that most of us are planning better control over expenses. You can do it in several ways. Finance specialists say that the best way is to save your expenses. We do not have to be here, of course, how much money is accurate about the penny, it is about noticing how often we spend money on something that we absolutely do not need. When we strip out all unnecessary expenses from our list, we will quickly notice how much money each month can be in our portfolio. And how much will we save if we give up 50% of such expenses when we multiply this amount for 12 months? One more example of reducing domestic expenses is shopping, which we do practically every day. It’s enough that before we go to the store, we’ll make a list of the things we need and we will stick to it closely, and again in our wallet will be a large sum. It turns out that when we go to the store, we often buy unnecessary products for which we spend a lot of cash. Then we throw them into the basket, and on our account, we run out of money.

Another very frequent New Year’s decision is to start saving. We want to do it for several reasons. Some begin to understand that the money we will receive in retirement will not be enough for a normal life, so they decide to collect a sum that will “help” our home budget after the end of their working life. Others try to save money for the “rainy day” because you never know what will happen in our lives.

A relatively frequent decision is also an earlier repayment of owned loans. We try to get rid of debts on credit cards, our debits or cash loans. Of course, the early repayment of any debt, positively affects our home budget, because we do not have to pay interest that the bank would charge us at the time of debt.

The fact that it is not easy to keep to the New Year’s resolutions has already convinced many people. This also applies to financial provisions. But despite everything, it is worth trying, because thanks to this, in our home budget, there will be much more funds that we can spend on a specific purpose, not on unnecessary expenses.