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How do you get a loan despite an enforcement order?

Many ask themselves whether a loan is possible despite an enforcement order. To answer the question, the topic should be explained in more detail. Because many consumers are not clear what an enforcement order is and when it comes to it.

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Many citizens buy goods on installments or take out a loan. Repayment is made in monthly installments. This happens until the goods or the loan has been paid. However, it is becoming increasingly common for consumers to be unable to repay their debts. This can have different causes, but ultimately always leads to a result. The creditor first reminds you of the outstanding amount.

If no payment is made, the latter can then issue a dunning notice to the district court. Put simply, this is a reminder from the official side to pay the debts. After a period of two weeks then issued an enforcement order. If this is issued, a bailiff may be charged with recovering the claims.

This process is entered as a negative feature in the Credit bureau. A loan despite an enforcement order will be awarded to very few banks. An enforcement order states that the debtor has not met his payment obligations in the past. Under such conditions, lending is not possible.

Swiss credit despite enforcement order

Swiss credit despite enforcement order

It is true that the Swiss banks do not query Credit bureau. Normally they should not be informed of an enforcement order. Only when there is a salary garnishment, the Bank learns in Switzerland on the basis of the payroll, which must submit the applicant for a loan from Switzerland. So it may well be that the debtor has luck, and gets a loan granted despite enforcement order. However, the general question is whether such behavior makes sense.

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Merge mortgage and loan (s) … Is that possible?

Can I combine Mortgage and loan or several loans? We are often asked this question … We also call this centralization or the regrouping of credits. The major banks do not do this and therefore often the conclusion is drawn that it is not possible or that this would be at the expense of your tax benefits. A big misconception!

It is certainly possible … but how does it work?

It is certainly possible ... but how does it work?

Mortgage and loan, or even several loans, can be merged or centralized. The tax benefit will continue to exist. Of course there is no tax benefit for the part of loans or credit openings that is centralized within the new mortgage.

An example of merging loans from practice

An example of merging loans from practice

Suppose you have a mortgage with a balance of € 130,000 (the value of the home is € 200,000 *) and you have a number of loans with a total amount of € 50,000. The mortgage and the loans can then be merged and the new mortgage loan is concluded, say, € 190,000.

There will then be a new basic tax certificate of € 130,000. After all, the mortgage was $ 130,000 – and the installment loans that were repaid were – and are – not deductible, and therefore not taxable.

This can, however, greatly reduce the monthly burden because of an installment loan often pays 10.5% interest. With the new mortgage, the interest rate is often less than 2%. In addition, the duration can be extended, so that the costs fall even more.

We have already reduced the monthly costs of hundreds of euros

We have already reduced the monthly costs of hundreds of euros

We have already reduced the monthly costs of hundreds of euros for many of our customers by combining loans. If you have been rejected at your own bank, then let us take a look. With more than 25 years of experience, this is our expertise and we often know how to achieve the seemingly impossible.

Make a request here and let us calculate without obligation what we can do for you and be surprised.

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Learn More About Money

When it comes to finance, information is everything. The first step in organizing your budget, investing wisely and making better use of your money is understanding the basics about the financial world.

Contrary to popular belief, this is not a seven-headed creature. Just look for the information in the right sources, reliable and best suited to your financial profile (beginning, intermediate or advanced investor).

Automatic organization of your accounts

Automatic organization of your accounts

Good Finance is an automatic financial control tool that makes it easier for you to organize your budget. To help you further in this task, Good Finance maintains this blog, which brings tips and information relevant to the universe of Personal Finance.

Here you will find tips for organizing accounts, debt relief, making investment decisions and setting the best financial strategy for you.

Women’s Finances: Tips for Women

Women

The Women ‘s Finance focuses on the female audience that is interested in personal finances and has some planning in sight – marriage, small children, newly married, newly separated, among other sections. For each of these themes, the site offers guidance related to finance.

At the finance website, the reader can download two spreadsheets, one for wedding planning and another for personal finance. Both already have defined entries and the expense columns configured. Therefore, the user should only fill in the values.

The website also has online calculators, which allow you to evaluate investments, how much should be saved to reach value and currency converter. In the first two cases, you need to have the interest rate. There are also sections dedicated to entrepreneurship, investments, beauty, leisure, children and financial education.

Good Lender: multiple services

Good Lender: multiple services

Good Lender is a portal of financial news and personal finance. The main source of information is the news produced by content agencies such as Bloomberg, Reuters and Estadão.

In addition to the material news, the finance website offers a number of tools for the user. The so-called calculators allow you to do several calculations: retirement planning, FGTS calculation, debts, credit card interest, home budget, car insurance simulation, among others.

For all these categories, the user should only provide the required data for the calculations. The calculators are hosted on the site and can not be downloaded by the user.

Exclusivity for those who are initiated

Exclusivity for those who are initiated

Economic Value brings together the reports and analysis published in the printed version of the newspaper plus the exclusive online material of one of the main economic vehicles of the country. The reader of the finance website can read five monthly texts for free, by completing a registration. These texts are identified with a key. The texts without the key are freely accessible.

The coverage covers topics such as markets, credit, investments, pension plans and monetary policy. The texts are for beginners and who already have knowledge of the financial market. It is possible to sign up to three newsletters: newspaper of the day, most read and technology and communications (weekly).

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So easy to get a loan for dental treatment

The nicest smile on credit is no longer a rarity today. If it is still at dental treatments and especially with dentures regularly very costly matters. This is particularly noticeable for so-called health insurance clients, as statutory benefits have been rigorously cut down in the field of dentistry. Nowadays, the situation is such that in fact only the most necessary dental treatments are taken over by the health insurance companies.

The credit for dental treatment for those who do not want to wait forever for their best smile

The credit for dental treatment for those who do not want to wait forever for their best smile

Dental care and dentures are not just about aesthetics, many even necessary treatments are not performed due to the high cost of treatment or patients are pushing this issue for years. The dental treatment loan is the solution to this problem. A better and quality care can finally take place. Patients are usually willing to give their best smile a little, even if after a successful dental treatment, the loan in repayable rates must be repaid.

In many dental practices there are leaflets pointing out the possibility of financing. However, before deciding on a dental treatment loan, you should compare different offers. One should better save the walk to the house bank in this context, it is easier and more efficient to look for good financing offers on the Internet. Independent financial service providers and financial advisors are happy to assist in selecting the right individual loan offer.

Apply for a dental loan

Apply for a dental loan

Applying for a dental loan can be done from the comfort of your own home without the hassle of moving around, and all the necessary forms and loan documents can easily be sent by mail or over the Internet. A good credit rating and no negative credit bureau entries, of course, also increase the chances of a loan approval in the case of a loan for dental treatment. Whether professional teeth cleaning, dentures or implants, thanks to a loan for dental treatment no one comes into financial trouble.