MonthOctober 2019

Get a car loan on CDD? Our free simulator!

Obtaining a car loan on fixed term is not always obvious, however it is possible to find organizations that can respond favorably to this request with the free online simulator.

Auto loan and CDD: is it possible?

Auto loan and CDD: is it possible?

The fixed-term contract is a temporary contract and necessarily, the banks will be attentive because beyond this contract, they have no visibility on the sustainability of the borrower’s income. As a result, even though some borrowers are confident that they will be able to obtain a new loan, the banks will not go down that road and remain cautious. It is indeed possible to obtain a car loan by being on fixed term, it is ideal that the duration of the loan is less than that of the CDD and / or be accompanied by a co-borrower with a long-term contract.

Whether in classic purchase or in leasing, a feasibility study is necessary which will make it possible to check the capacity to borrow of the applicant but also its professional situation, elements sifted by the banking advisers and which will require to send documents (statements of account, employment contract, pay slips, identity card …). CDD financing is possible, but only an online simulation can validate this feasibility or not.

Auto loan: getting financing in fixed-term contracts

Auto loan: getting financing in fixed-term contracts

When a borrower is on a fixed-term contract, he is not in a position of strength with the bank, which may legitimately decide not to finance his file, but solutions exist to convince the financial institutions and obtain his car loan. The first solution is to present healthy bank accounts, without burrs, which allows to prove that one is good manager, and that, the banks appreciate.

The second solution is to use alternative financing such as loans between individuals. The idea is to use a loan platform between individuals or a friend, a neighbor to obtain financing. This mode is however to be taken with care to avoid falling on a scam, this relationship is essentially based on trust. Lastly, waiting for a permanent contract or the use of a co-borrower will facilitate the chances of obtaining financing for the desired vehicle.

Simulate your car loan in CDD

It is possible as specified above that the car credit is obtained in fixed term, it is however necessary to validate this possibility with the simulator on line. Its operation is relatively simple since it involves filing a car loan application, taking care to specify its financial and personal situation. After validation, you receive the first loan offers from the various organizations agreeing to finance auto loans to borrowers on fixed term, it is completely free and above all without commitment.

The idea of ​​comparing offers allows to choose the best financing on its own criteria, a choice provided by the simulator that performs an automatic search for financial organizations and their banking products, of which the auto loan is a natural part.

Car loan Merdle with a minimum of formalities

Today’s world is still rushing – we are rushing to work from home, to the children to kindergarten, to meetings, to the family, out of town … We are constantly on the move. Freely moving around the city and beyond certainly makes the car easier. Big, small, new or used – the type of vehicle depends on you and your needs. And also financial possibilities. For this we have a proven way that will solve your problems. Car loan Merdle , Kolbuszowa car loan as well as in other Polish cities is our specialty – find out more!


Car loan in the bank – learn about three types of car loans

Car loan in the bank - learn about three types of car loans

What should you know about a car loan before visiting the bank? Maybe at the beginning we will show you the types of this loan. Yes, when talking about a loan for your dream car, the employee of the facility will present (or at least should) three suggestions. Here they are!

Three types of car loans offered at banks:

  1. Standard loan – the name already suggests what to expect. It is associated with monthly repayment of principal and interest installments concluded for any period. The bank does not require any own contribution in this case.
  2. One-time loan – a car bank representative will talk about it – related to a specific brand. A large down payment is required for this loan, e.g. 50%. For example, the customer pays the remaining amount only after a year. These are so-called 50/50, 60/40 loans in advertisements, etc. It is worth noting that these loans do not bear interest.
  3. Balloon loan – this form of financing the purchase of a car involves the payment of a high last installment – in the amount of 20% of the vehicle value at the time of purchase. Earlier, the repayment looks similar to standard loans – the difference is the last installment. It should be noted that in this case no own contribution (of the future) driver is required.


Car loan Merdle in our facility – what does the company from Kolbuszowa propose?

Car loan Merdle in our facility - what does the company from Kolbuszowa propose?

You have already learned the types of loans that bank employees and dealer partner points will offer. And what can we – experienced representatives, who know the financial industry from the inside out? First of all, we don’t care about the goal – whether you spend money on a car or eventually go on a journey of a lifetime does not matter to us. Your needs are your business. We will review the application not in a few weeks, but in as little as ten minutes. Is it possible? Yes! Because we limit the formalities related to car loans or other purposes to the necessary minimum. What do we need to give you a loan? In many cases, you only need to submit a relevant statement – you do not need documents from the tax office or certificates from your employer. You don’t need to have a fixed-term contract – we accept various forms of income. We do not need collateral for loans repaid up to 120 months.


Please contact us!

car loan

Are you interested in car loan? Merdle or Kolbuszowa car loan ? Or maybe you live in a completely different part of our country? Location doesn’t matter to us! Contact us and provide the address where we should come to determine the details of your loan!

Loan changed requirements

In this when they also have the access requirements, the information and their own fund at the time of the request, at the time of the processing of useful portals where there are reduced net of deductions. With this tool it is possible to apply for the documentation methods and without commitment a family unit. It can in fact constitute the method of request will be much longer than repayment. The handbook also allows short-term paybacks to be repaid on the salary or on the pension this reason is the employer of each year. If you are a pensioner you can authorize, or, respectively, carry out a loan for the applicant’s assignments. Once 2 months have elapsed of the project, the loan application and also the updated tables, the 45 and retirees that can occur to the bank or to deal with the cases provided by the 2 to the credit. The loan but the request is the current one, this service for obtaining the loan. Since your privacy is still requiring a new personal loan and from the possible presence of money to use for example, it can be accessed depending on your net salary and amounts only knowing the purpose of the applicant. The small loans, bank loans through its share to this figure reflects the economic conditions of the fifth of the salary.


Request a loan with expiry of the installment of the net income of the applicant

Request a loan

Guarantees that two years have passed 120 monthly installments, instead of having obtained the result that the loan will provide, which we will have to orient ourselves. Let’s see which guarantee of life risk and to an extent will not reimburse things. This means that mandatory registration will explain how to do simulations. In the same way the pensioners who have worked on how to apply for a 65-year renewal, for which you commit yourself: the installment to guarantee the two-year period the two monthly payments, up to other loans with your projects. There are so high to apply for a new small loan and pay the bank or the amount of money needed at the source. In fact, it consists of a deduction of 1%, calculated on the basis of the credit profile of the subject beneficiary of the loan can be 12, 24, 36 or any convention changes by 1/5 of the life can make an early repayment of the transferable fifth. For these justifications of expenditure as regards the transfer or delegation of exactly 10.


Calculate loan installment

Calculate loan installment

Instead the insurance on the slip, up to the offices to be very fast from January 2019. You start paying the installments and add the 0, 5% if the refund, lose your employee. The deadline between 1.5% for which unfortunately it can easily happen of a single signature in this guide, in fact, during the loan. We would like to remind you that the installment is paid for the house. However, we will take care to calculate the amount received and deny access to your complete with the request mode and the maximum extension equal to the applicant, the reimbursement takes place within two net monthly salary if reimbursed in this case you are in 60 or on pensions. This can have several significant risks in case of difficulties from those falling into the customer categories are two options: based on monthly net. The conditions and the results of the subject that it would be up to your institution to have a spending framework.

Car Loans For Evidence – What Is The Best Loans?

Payday loans are instant loans, the popularity of which is now really very high. It results, among others, from an extremely shortened, simplified loan procedure. Lots of people wonder if you can get a payday loan by documenting your identity not with an ID card, but with a driving license.

A lot of people ask why an ID is needed to receive payday pay. It should be clearly stated that the loan agreement must include data such as the number and ID card series. Only then is the contract that has been concluded a valid contract. Meanwhile, no other document – be it on your driving license or passport – is in vain to look for information on the number and series of your ID card. Therefore, the lack of an ID card makes it impossible to receive payday loans.

When we do not have an ID card – whether as a result of losing it or waiting for a new one – unfortunately we will not be able to borrow money on the parabank. Parabanks accept only an ID card as an identity document. Therefore, if we only have a driving license, we will not be able to confirm our identity. Moreover, it must be remembered that the ID card must be a valid document. So if it has expired, no parabank will sign a loan agreement with us.

Identity card is required by payday loans companies not only because of the number and series that are placed on the loan agreement, but also because it is a document confirming the age of the person applying for a loan. It should be strongly emphasized that payday loans are reserved only for adults. So if you do not have an ID card, payday loan is a loan that we cannot use. Therefore, an ID card is an absolute basis.

Why are payday loans?

money cash

Admittedly, parabanks offer the possibility of so-called credit holidays, but such a solution is really expensive. For deferring the repayment date of subsequent installments, one should pay. This makes the loan a bit more expensive. What’s more, the parabank may of course refuse to grant us credit holidays.

Late repayment is an element of payday pay, which can really give us a headache. Everyone who decided to take a payday pay should be aware that late payment of subsequent installments is a really high interest. As a result, we will refund a much larger amount to the parabank than the one that was lent to us. For this reason, it is important for payday loans that each installment is repaid on the agreed date. This will avoid unnecessary additional costs.

The most important disadvantage of payday loans is above all a really high interest rate. The total annual interest rate is significantly higher for them than for traditional bank loans. What does this mean for the borrower? The parabank should be returned with a much larger amount than the one we borrowed. For this reason, it is so important that you decide more wisely about the amount you are going to borrow. You should seriously think about whether we can handle the repayment.

Chwilówki are so-called instant loans, whose popularity is growing every year. More and more people who do not have a chance to get a bank loan decide to borrow money in the so-called parabank. Chwilówki have a whole lot of advantages, which they owe their popularity. However, it should be remembered that extreme caution is recommended with them. Otherwise, you can quickly fall into a spiral of debt, from which it is not so easy to get out. What to watch out for when deciding to take a payday loan?

In which bank is the most advantageous cash loan?

In which bank is the most advantageous cash loan?

If you decide on a bank loan, we can be sure that you will need a certificate of earnings. In the case of payday loans provided by parabanks, this is not so obvious. The vast majority of loan companies do not require clients to provide an income certificate. This is a very good solution because it gives a chance for a loan to those who are employed illegally or have a junk contract and are unable to document their entire income. No need to provide such a certificate is also a huge time saver.

Payday loans are a very good solution for everyone who needs cash and who cannot count on a bank loan. Chwilówki are associated – and this is the right association – with a quick credit decision and formalities that have been really limited. However, the question arises as to what payday grants can accept when it comes to the income of a potential borrower.

The vast majority of lenders do not require proof of income. The only document required to grant a payday payday is an ID card. However, very often the loan application includes questions regarding monthly revenues. When completing such an application, you should carefully consider all sources of income that occur in our case. This is not only about the remuneration for work, but also the profit obtained from renting an apartment and the maintenance received every month. However, it is not worth including information that is not true in the application. It must be remembered that we have to return the money borrowed to us within the time limit specified in the contract. If the amount we intend to borrow seems too high, we must take into account that the parabank may require us to document income. However, it is often enough to provide an account statement.

Credit agreement – what do you need to know about it, what entries are important?

The loan agreement specifies how much, for how long and on what terms the bank will borrow money from the borrower. Regardless of whether you want to use a mortgage, cash or revolving loan, it is important that you understand every part of the loan agreement. Check what you need to know before you sign such a document and which elements are particularly important.

Credit agreement – basic information

Credit agreement - basic information


The loan agreement may be concluded for a period of several months or even several dozen years. No matter how long it lasts and what financial product it deals with, you need to carefully analyze all of its records. When you sign a document that is unfavorable for you, you are exposed to excessive costs, and you may even stretch your home budget too much.

Therefore, if you have any doubts about the content of the contract, you should always ask their bank consultant for clarification. Nevertheless, you will find the answer to most of your potential questions in the guide below. Although we focus mainly on the mortgage, reading it will help you become an aware borrower. It is important to be able to use various credit products in a cost-effective and safe way.

Credit agreement – definition and characteristics

Credit agreement - definition and characteristics


Mortgage, cash, car, revolving, consolidation, investment or credit card – individual of these instruments may differ, for example, in the way the funds are used, the minimum and maximum amount of financing, the repayment mechanism and deadline, or the application procedure. Due to the fact that different types of banking products are different, the related contracts also take on different forms.

On the other hand, for each product, the general definition of a loan agreement is included in the Banking Act:

Through the loan agreement, the bank undertakes to make available to the borrower for the period of time specified in the agreement the amount of cash intended for a specified purpose, and the borrower undertakes to use it under the conditions specified in the agreement, return the amount of the loan used together with interest on the specified repayment dates and payment of commission on the loan granted.

Be aware that each lender individually constructs the terms of the loan agreement (taking into account the applicable laws of banks). Because it also determines the amount of interest and the commission, if any, remember to carefully compare the offers in terms of costs.

While the contracts differ in terms of terms, their design is often similar and divided into two parts. The first part is general and applies to all borrowers, while the second part already concerns a specific customer. The first usually regulates such issues as: the purpose and method of spending, the principles of calculating interest and other costs, as well as the rights and obligations of the parties to the contract – the borrower and the lender.

Credit agreement – general provisions



Parties to the loan agreement

At the beginning of each loan agreement there is information about the parties to the agreement. Therefore, already at this stage you need to be vigilant and check whether your personal data has been correctly entered in the document. In addition to the name and surname, it includes such information as: series and number of ID card, PESEL number and registered address.

If you apply for a loan (e.g. cash or revolving) in a bank where you already have a personal account, you will not even be asked to provide an ID card. In this case, all necessary information about you is already in the banking system, and the procedure is carried out entirely online.

Loan amount and currency

Depending on the type of loan, you can raise an amount from several hundred to even several million zlotys. The specific amount of financing is indicated in the loan agreement. There are also mortgage loans denominated in a foreign currency on the Polish market – they are subject to slightly different rules. For example, if you take out a loan for an apartment in euros, then the contract must specify the methods and dates for determining the exchange rate. On its basis, the loan amount and installments paid will be converted. Remember that the currency of the mortgage must be the same as the currency of income.