Monthly Archives: February 2019

An Installment Loan Online Without Queues

In each of our lives there are situations when we urgently need an additional injection of cash – whether for the purchase of home appliances, a child’s wedding or a dream holiday. Fortunately, companies specializing in quick installment loans enable us to get the required amount in a fairly short time. If we meet certain conditions, money can be on our account even within a dozen or so minutes.

What is the installment loan characterized by?

What is the installment loan characterized by?

An installment loan can mean both buying in a store a given item in installments, as well as taking out a cash loan at a bank outlet, which should be repaid regularly, in a specified time limit specified in the contract.

If we are not satisfied with the interest rate of installments offered by a given store, it is worth reviewing the offer of loan companies, especially those operating online. Acquiring money with this channel is a great convenience – the funds will be quickly on your account and transactions will be made in your own home. Borrowed money can then be used for cash purchase of the desired item.

A loan only in a bank?

A loan only in a bank?

If we need a large sum, a good, though not ideal, way to raise money will be an installment loan taken out in a traditional bank. However, we must take into account the requirements that such institutions put before clients. I am talking about a certificate of permanent employment, two identity documents, a certificate of no criminal record, no debt, as well as adequate creditworthiness. We must also take into account the fact that if we do not meet even one of these conditions, we will most likely get a negative reply.

It is completely different in the case of an installment loan , which we will contract with a loan company specializing in granting quick loans, so-called chwilówek. In this case, we save time that we would dedicate to completing the documents required by the bank. What is important, the installment loans in such companies are usually granted on the presentation of only the ID card, which means that no one will require us permanent employment and high earnings. In the case of an urgent need for cash, this is an ideal solution.

An installment loan in a few minutes

An installment loan in a few minutes

Going to a company that provides installment loans as proof is not the fastest way to get a loan. For a long time, there are loan companies operating in the network. On the internet, we find thousands of companies offering such services. Among them, we can find many cheats. It is worth using the services of a legally operating company, such as CashMan. Thanks to this, you will save yourself the trouble in the future.

Thanks to online services, we can borrow up to 5,000 zlotys without leaving your home. All you have to do is register on the company’s website and complete the form. Then we can only enjoy the cash that is on our account.

Do not be afraid of complicated procedures

Do not be afraid of complicated procedures

People who are considering a decision to take an installment loan via the Internet often fear the very process of taking out such a loan. Completely unnecessary – the form that is completed when submitting the online application is transparent and clear. In addition, you can count on a telephone consultant who will dispel any doubts.

Individual approach to client

Individual approach to client

Financial companies try to meet the expectations of customers by offering them the best services for them. CashMan is characterized by an individual approach to the client, offering the best and most tailored solution to the situation of a person taking out an installment loan. In addition, our company offers, among others bonus program, the possibility of taking out a renewable loan as well as a free loan.

Rules for incurring installment loans

Companies specializing in installment loans clearly define the conditions under which we have to pay back the loan. By signing the contract, we agree to the interest rate, number of installments and possible penalties resulting from non-payment of receivables on time. If, however, we make an agreement on time, we will not only avoid penalties, but we will build our credibility towards the bank or loan company.

What makes an installment loan?

What makes an installment loan?

In addition to the interest rate which the loan company determines individually, additional payments usually occur to the total amount of the loan. These are the amount of insurance or loan payment, which is imposed on a one-off basis. The contract may also include a provision regarding a one-time payment for processing the application. Some companies also impose fees for various notifications or prompts. If we want to extend the repayment of the loan, we will probably also have to pay for it. It is worth to register on the CashMan portal, where there are no hidden costs, and the terms and conditions are clear.

At CashMan, all information is provided before the contract is signed. In the case of an installment loan taken on the Internet, read the regulations carefully. The lender may not require the client to incur costs that are not specified in the contract or regulations. You will not find hidden costs on our website and the rules for obtaining money are clear before accepting the commitment.

Loan and Loan – When do you Need the Consent of your Spouse?

Even if a mortgage is contracted by one borrower, when he or she is married, the bank will most likely require him / her to give consent to sign a loan agreement from the spouse. When and if you can get a loan or loan at all without the consent of your husband or wife?

Consent only for high loans

Consent only for high loans

Usually the spouse’s consent is required by the lending institution when the client applies for a loan in a high amount, including a mortgage that will be repaid over many years. The consent must be given with the matrimonial property, which is automatically set up with the conclusion of a civil marriage in Poland.

Credits and loans without the consent of the spouse

Credits and loans without the consent of the spouse

In the vast majority, if not all loan offers of payday loans, i.e. loans granted by non-bank companies, each borrows them individually, and the consent of the wife and husband is not required at all. The same applies to loans and borrowings:

  • related to activities in current matters of everyday life,
  • related to activities aimed at satisfying the ordinary needs of the family,
  • related to activities undertaken as part of a gainful activity.

You can also take a loan at the bank without the consent of your spouse. Moreover, such an agreement may apply even if it is signed against the wife’s or husband’s will, but it is connected with the necessity of incurring certain legal consequences.

When the bank does not require the consent of the spouse for a loan, it takes into account only the creditworthiness of the main borrower when signing the loan agreement. He will demand the presentation of a certificate of earnings and employment only for the spouse who is actually seeking a loan, and the financial situation of the other spouse will not be subject to any analysis. If the borrower ceases to repay the loan and arrears arise, the bank and the bailiff in the enforcement proceedings will not have the right to seize property belonging to the spouse who did not take out the loan at all.

Without permission for the separation of matrimonial property

Without permission for the separation of matrimonial property

Signing by the spouses of a notarial agreement on property separation, i.e. intercranks, liquidates common property. Spouses collect assets separately from each other and so they can also incur financial liabilities on their individual account. Therefore, there is no need even when applying for a high mortgage, so that the spouse can express consent to sign a loan agreement. There is no need to sign documents.

Responsibility for credit obligations in marriage

Responsibility for credit obligations in marriage

By law, the matrimonial property regime is based on the joint property of the spouses. For example, if the husband decides to take out a loan obligation without the consent and knowledge of his wife, and between the marriage, the property regime is in force, then according to art. 41 of the Family and Guardianship Code, the bank, in the absence of repayment of loan installments, will be able to claim claims only from the personal property of the debtor, his remuneration for work, etc., and, for example, benefits obtained from property objects, copyright or creator’s rights.

If the consent for the loan is expressed by the spouse, in the case of the lack of repayment, the bank will be able to demand the satisfaction of its claims from the property of the joint spouses. To this property in accordance with art. 31 § 1 of the Trio include remuneration for the work of both spouses, income from other gainful activity of each spouse, income from joint and personal property of each spouse, etc.

You can take out a loan or a loan without the consent of your spouse, not only with the separation of property, but with ordinary matters of everyday life as well.