Loan for a kitchen.

Ready for a new kitchen and looking for financing for it? Cooking on a beautiful 6-burner gas set, a large refrigerator, luxury oven and, for example, a handy espresso machine in the kitchen. A luxury kitchen can be a considerable investment, a loan for this offers the possibility to spread the costs over the coming years. Long maturities of up to 15 years are possible, so you have more than enough time to repay the credit.

Low interest on a loan for a kitchen

Low interest on a loan for a kitchen

Our advisers ensure a low interest rate on the loan for the kitchen. That means a low monthly period, especially when you use the relatively long durations. It is therefore possible to spread the costs, while of course you can have the kitchen installed immediately. Additional advantage of a loan for the kitchen? The interest is in many cases deductible, because with the kitchen you provide an investment in the value of your home. Of course, the advisers at Fienatent can clearly explain what this means in practice or what benefit you can count on based on your income.

Take out a personal loan

Take out a personal loan

Do you want to use a personal loan for the kitchen or are you curious how this loan form relates to the revolving credit? The personal loan has a fixed interest rate and a fixed term, so you can count on a high degree of clarity. That is nice during the long term, with a loan for the kitchen you know where you stand in advance. Our advisors can calculate the monthly costs for the various months and years.

Advice for kitchen loan

Advice for kitchen loan

Interested in a kitchen loan, but especially curious to what extent it fits with your personal situation now and in the future? Our advisors are happy to analyze the current situation, then advise you free of charge about the possibilities and also outline the costs. You can use this to take out a loan for a kitchen that will be extremely affordable thanks to the low interest rates. The kitchen loan makes it possible to purchase it immediately and have it installed, so that you can soon put delicious meals on the table in a beautiful luxury kitchen. More information? Chat with an advisor, call us or send us a request online for more information.

Information about divorce and financial aspects.

 

What about borrowing money and a divorce? Because you probably ended up on this page through a search engine, we suspect that you are getting divorced or have already divorced. So you are not in a good situation. We would also like to wish you this strength, but also to list the much-needed information for you, so that you can still separate in a somewhat relaxed way. Because divorce is 1 thing, but it should not become a fight divorce! Do you have a loan and are you getting divorced? Then you are curious about the consequences for you and your partner.

Both signed the loan agreement?

Both signed the loan agreement?

Have you both signed a loan agreement? Then you are also jointly liable for this. Together you are jointly and severally liable for the entire loan. What does this mean for you in concrete terms? Joint and several liability in this case means that you must always meet the payment obligations. Does this not happen? Then you and your ex-partner will be held liable. It does not matter if you are divorced while the loan is still running. If someone does not fulfill his obligation, it does not mean that only he has a problem. Both contractors bear the full responsibility.

Non-compliance with payment obligations

In the event of non-compliance with the payment obligations of one contractor, the lender will recover the loan from the other contractor. Conclusion: Did you put a joint signature under the loan contract at the time and did you therefore both enter into an agreement? Then both of you must also ensure that the loan is repaid. If you or your ex-partner renounce, you both have a problem.

Always make sure you have a divorce agreement

Always make sure you have a divorce agreement

Ensure that a divorce agreement is drawn up after a divorce. A divorce agreement will contain important agreements that you have made between yourself. Arrangements regarding a loan are also laid down herein. In a divorce agreement it will be recorded, among other things, what the agreements are with regard to the distribution of the repayment vis-à-vis the loan. However, this covenant does not release you in any way from liability for debts that have arisen. It is just an agreement that is made between 2 parties, a lender does not have to take this into account. In fact, the covenant is in no way included in the assessment of the distribution of debts.

Make good agreements

Make good agreements

In addition to drafting a covenant, it is best to make good agreements with your ex-partner regarding the repayment of outstanding debts. For example, it is generally more convenient if only 1 of the partners repays the monthly debts, with the other partner transferring the money to the account of his ex. This keeps the whole uncluttered and therefore no misunderstandings can arise. If your partner cannot pay once, you will immediately notice this and you may be able to advance the missing amount in advance to get it back at a later time.

The former partner is released from the joint and several liability

In the best case scenario, one of the partners takes over the loan or credit. In that case, the former partner will be released from the so-called ‘joint and several liability’. Note: You must first submit this to the bank or lender and this is only possible if both partners agree. Every lender or bank will ultimately agree if it appears that one of the former partners can bear the risk independently.

Have a calculation made

Have a calculation made

Have a calculation made by your accountant or by the bank / lender. Is it ultimately justified to take over the loan as a partner only? Then it is wise to try to transfer the loan to a cheaper provider that charges less interest. Moreover, the lender or bank does not have to agree to the dismissal of one of the partners from the joint and several liability.

What about a loan taken out before the wedding?

What about a loan taken out before the wedding?

In principle, credits and loans (including mortgages, credit cards and installment purchase) that were contracted by you or your partner before marriage (ie before you got married) are always linked to both partners. So did your ex-partner take out a loan for getting married? Then you are also responsible for that loan. However, there are exceptions, for example when other marital conditions have been agreed.

Matrimonial Terms

If you are married under marital conditions, it is possible that you do not have to contribute to the repayment of certain debts. But loans that were taken out jointly during your marriage fall outside the prenuptial agreement. If you are married in a community of property, it does not matter whether debts were incurred before or during the marriage, you are liable for half the entire package. In case of doubt, it is best to present the situation to the lawyer you use to arrange the divorce. If you do not use a lawyer, you can always go to a legal store that you will find in almost all major cities.

Divide the loan after a divorce

Divide the loan after a divorce

Why make it difficult when it can also be easy? So why not just divide / split the loan after a divorce so that both of you pay for the repayment fairly? Splitting your loan after a divorce is usually possible at banks and lenders. In that case 2 new loans are requested for both partners. Together, you repay 1 old loan with the new loans.

Splitting up is not always possible

Splitting up is not always possible

Remember that splitting up a loan is not always possible, unfortunately. This is assessed by the bank or lender. Because if you want to split a loan into 2 new loans, then each loan application will of course be assessed separately. You and your (now) former partner will both have to have sufficient income. People also look at your fixed costs. In short: The bank / lender will assess whether you are creditworthy.

Where can I find a cheap lawyer

Where can I find a cheap lawyer

For a ‘simple’ divorce, even where children have to be taken into account and even if there are major financial interests at stake, you can go for it with a cheap lawyer. For an amount of around € 330 (excluding court fees and per person) your divorce can already be arranged completely. The stated amount is for a divorce including covenant and parenting plan. All this is handled entirely online. Should an arrangement be made for the children, then of course a parenting plan will have to be drawn up, which is also mandatory. With the above-mentioned settlement you don’t have to go to court yourself either, the lawyer will do this for you. A divorce must always be submitted to a judge. With this online solution you no longer have to go to court yourself. With this all-in package, the costs of the divorce do not increase.

Free divorce

Free divorce

For people who do not have sufficient capacity to be able to pay for a divorce, there is the possibility of having this done for free. However, the conditions for eligibility for this have been tightened considerably in recent years. If you have a gross income that does not exceed € 26,000 per year, you are entitled to an allowance whereby you only have to pay part of the amount. If the annual gross income of both partners does not exceed € 18,400, you can qualify for a free divorce.

How long does a divorce last

How long does a divorce last

Do you agree on everything? So about arrangements with the children, finances, debts, etc. Then you can opt for the online solution where you can take 4 to 5 weeks into account. You do not have to go to court yourself, but you do have to come and prove your identity at the law firm, so that the lawyer knows who he is dealing with and the divorce is requested by both parties. If the above does not apply and problems must first be solved, if one of the partners does not want to sign the documents, you can safely count on a lead time of around 9 months to a year. This shows again how important it is to stay in conversation with your ex-partner.

Borrow money to install solar panels.

Buying solar panels is always a good investment. In the long term, you always get that investment back and it immediately brings you money. Do you not have enough savings to purchase solar panels? No worries! You can always borrow money for solar panels. The personal loan is the most suitable for this because the interest on a personal loan is deductible in a home for sale. The Home Financer can provide you with extensive information about this.

Your personal loan

Your personal loan

It might not surprise you, but if you are looking for a suitable loan to be able to purchase solar panels, you will usually end up with the personal loan. This is a loan where the loan amount is always paid out in one go. You determine yourself in how many months you will pay off the loan. You can spread the repayment over several years. However, we recommend that you keep the duration as short as possible, because you will incur fewer costs. The personal loan is a very transparent form of loan; you know exactly how much the loan will cost you in total. After all, the interest is fixed during the term and the term is also fixed. You pay the same amount in installments and interest each month.

Is the interest tax deductible?

Is the interest tax deductible?

The interest on personal loans is deductible if you use it for the renovation or maintenance of your home. The Home Financer can tell you what applies in your case!

Special solar panel loan

A little search will teach you that there are also special solar panel loans. Whether such loans are a good choice is the question. A loan advisor from Fet Home Financer can also advise you extensively on this. Fill in the request form on our website or pick up the telephone and one of our loan advisors will be happy to help you.

Calculate total savings

Calculate total savings

Of course you save on electricity costs immediately after installing the solar panels. Solar panels provide you with a direct saving. Even before you take out a loan, it is wise to calculate what your total savings are. You pay interest on your loan and you have to add this interest to the costs of the solar panels to be able to calculate what your total electricity saving is.

Merge loans

We at Fet Credit Financier regularly come into contact with people who have taken out all kinds of small loans elsewhere. Some of these people get into trouble because they no longer have an overview. As a result, they for example forget to repay a certain loan or they pay so much interest that it is not possible to live a normal life in addition. Perhaps you too have to pay off several (small) loans at the moment and could use our help with that? Not that we just take on all debts for you. That would be too good to be true of course. But through us it is possible to combine all your small loans into one new and well- arranged loan ! The benefit for you? You have overview and much lower monthly payments!

What are the benefits of merging?

What are the benefits of merging?

Do you have two small loans with the bank? For example, are you in red on your checking account and have you taken out a small revolving credit elsewhere? Then you can merge these two loans into one larger loan. This is cost-effective in most cases. Typically, lenders charge a higher loan rate for smaller loans than for larger loans. The big advantage of combining small loans is that you can save a lot of money with it! Another advantage is that you have more overview in your administration. Sometimes it is possible that you incur more costs than is desirable because you combine loans. Read more about that in the section below.

Extra costs that you incur when merging

Extra costs that you incur when merging

With certain loans, such as the personal loan, you must check to what extent you incur certain costs if you pay them off in one with a new loan. With the personal loan, it is the case that you cannot repay it without penalty and / or faster. Calculate the amount of this fine and deduct this amount from the money saving that the merging of loans yields.

Bundling loans with variable interest

Bundling loans with variable interest

The law provides that, with loans with variable interest rates, lenders may never charge extra costs if the consumer wants to merge this credit with another loan. In that case, the credit must be repaid quickly. For example, you can always repay a revolving credit, credit on a payment account (this is the possibility of being in the bank’s account) or dispatch house credit free of charge and faster.

The Home Financier helps you to merge!

The Financing House helps you to merge!

On the website of Fet Credit Financier you can easily submit an application for merging several loans into one loan. Ask? Then always contact one of our loan advisors without obligation. Merging loans into one well-arranged loan? The Home Financier is happy to help you!

 

Borrow money for a new or used engine.

The purchase of a new or used engine is of course above all a choice that you make with your mind. But true motorcycle enthusiasts also have a lot of feeling to do with it. You buy a motorcycle that matches your personality. Very different from cars is the purchase of a new or used engine is often a question of feeling. It is precisely then that it is important that you opt for reliable financing. One that fits your motorcycle perfectly. That is, a loan that is tailored to the actual value and useful life of the vehicle.

Personal loan or revolving credit?

Personal loan or revolving credit?

The personal loan is extremely suitable for this. This loan serves as a motorcycle loan and you can apply for both a new and second-hand motorcycle. The Home Financier is happy to help you coordinate the loan with your purchase. Sometimes recourse is also made to the revolving credit as financing for motorcycles. We will elaborate on this later. But first we would like to inform you about the personal loan. Take a moment and sit down!

Take out a personal loan for a new or used motorcycle

Take out a personal loan for a new or used motorcycle

Buy a new motorcycle or a second-hand motorcycle and use a personal loan that you can request from Fet Home Financier. The personal loan is very suitable to serve as a motorcycle loan. You take out this loan for an amount that you agree in advance. This amount is deposited in one go into your own checking account. The end date is known as the interest is fixed. Together with the loan amount, the number of repayment terms and the interest, it is known how much money you must repay per month. This amount is fixed and never deviates. Thanks to all these factors, you can fine-tune the personal loan to the useful life of your future motorcycle. The personal loan is therefore more suitable than other types of loans to serve as a motorcycle loan! Do you need flexibility? Then you can also take out a revolving credit with Fet Credit Financier. For both loans you can fill in our application form or contact us by telephone. We will go through all your questions and help you offer the best personal loan or revolving credit.

Take out ongoing credit for new or used motor

Take out ongoing credit for new or used motor

A revolving credit is a flexible loan. That way you can create extra financial space. This loan is especially useful to cover unexpected costs. For example when you incur costs for a repair of your motorcycle or when you have to pay for new parts. Nothing is certain with the revolving credit. For example, the interest can vary, you can withdraw and repay unlimited amounts up to a certain amount, and the contract never ends. For example, you can always withdraw the amounts you repay. Which loan suits you? The revolving credit or the personal loan? Let yourself be extensively informed by the financing adviser Fet Home Financier !

A quick payday loan for Christmas – remember that you will have to pay it back

Most Poles spend Christmas in the family circle. Although it might seem that this form of celebration consumes less resources than e.g. a foreign ski trip at that time, family Christmas Eve is not cheap at all. In the preparation for a joint supper, many countrymen reach for Christmas payday pay. As with any financial decision, this should not be done lightly.

Before you take a loan for Christmas, remember that:

  1. it’s not worth taking on obligations that are beyond your capabilities;
  2. loan is the last resort;
  3. when you apply for a loan matters;
  4. you should precede your decision with an in-depth analysis of the various offers;
  5. submitting several applications at the same time spoils your creditworthiness.
  6. First of all, you need to be sure that you decide on an offer from a reliable lender. This can be easily checked in the register under the supervision of the Polish Financial Supervision Authority, it has been in operation since July 2017. Start planning your Christmas expenses in October, but wait for December until Christmas. Most non-bank companies offer 30 days to pay back. It is worth taking this into account when choosing the date of submitting the loan application. Make sure that in 30 days you will be after the payment and you will not have any significant expenses on your mind.

Do not multiply expenses, take a free payday loan for Christmas

Do not multiply expenses, take a free payday loan for Christmas

When choosing a payday loan for Christmas, check if you have a chance for a free payday loan. Usually new customers can take advantage of this type of offer.

Payday loans for Christmas for 0 PLN

At MetLoan, you can get free financing up to PLN 3,000 the first time. CashMan offers something like a hybrid of payday loans and installment loans. You will get a maximum of PLN 1,500 loan for PLN 0 there. You decide how you want to pay it back: in two installments of PLN 750 each – then the loan period is 61 days or just like a typical quick payday loan – once after 30 days. As for the repayment date, among the above non-bank institutions (not including CashMan), you get the most time to settle your liability at LendOn. It is 45 days and the maximum amount of payday pay is 2500 PLN. Kuki.pl and Vivus offer a standard 30 days. Both companies also agree on the amount of free payday pay – you can apply for PLN 3,000. The possibility of a free loan is a procedure that attracts new customers, which is really worth using, especially during the holiday season, when additional expenses are not on hand to anyone.

Don’t be fooled by the charm of the Christmas offer

 

However, remember not to fall into the trap of Christmas promotions. Make a Christmas shopping list and stick to it. Don’t buy what you don’t need just because it has been discounted. Follow the same principle when taking loans.

Reasonable Christmas borrowing

  • Spend extra cash for Christmas only on necessary products.
  • Do not buy a more expensive gift, just because you took a payday loan for Christmas
  • Instead of taking a loan for a gift, it’s better to make it yourself. The recipient will certainly appreciate the effort, and you won’t have to tighten your belt after Christmas.

Something else is a small payday loan that will facilitate the creation of a festive atmosphere, and something else life beyond the state, which undoubtedly brings with it unpleasant consequences, which sooner or later will make itself felt when the rustle of unpacked gifts fades away.

How do Poles get out of the holiday spiral of debt?

Many Poles are struggling with a debt spiral, in which some of us fall through imprudent Christmas spending. As the results of the survey commissioned by Jobsquare show, one of the ways to deal with debts is overtime work. 80% of Poles earn extra money. Most of the people who try to improve their home budget choose physical work, although they can usually identify themselves with secondary or higher education.

To avoid having to take on extra work before you take out a Christmas loan, calculate how much monthly budget your current commitments absorb. Include both the funds you spend on loan installments and bill charges. If the sum of these expenses exceeds 50% of your revenues, give up your next commitment. Remember to borrow wisely.

Refinancing the payday loan for Christmas

Refinancing the payday loan for Christmas

30 days pass and you haven’t collected enough capital to pay your holiday payday loan? In this situation, you can use the online loan refinancing option. This involves making a commitment in a partner company that works with a loan institution that is your creditor.

Loan payday loan – how does it work?

Loan payday loan - how does it work?

Refinancing the payday loan for Christmas is not the only option to extend the repayment deadline. You can also look for an installment loan to pay off your debt yourself. What’s more, it is a method that allows you to consolidate several payday loans. Its undoubted advantage is the fact that it allows you to spread your debt into convenient installments. Where is the best place to look for help in consolidating holiday payday loans?

Trouble paying your Christmas loan? Take matters into your own hands

Trouble paying your Christmas loan? Take matters into your own hands

If the loan repayment deadline has passed, the worst solution is to remain passive. It is not worth ignoring the correspondence with loan and debt collection companies. You can’t count on the debt going into oblivion at some point. A more real scenario of debt recovery proceedings is referral to court. To prevent this from happening, you should take specific action.

Start negotiations with the creditor, regardless of whether the debt has already been taken over by the debt collector or the lender is constantly seeking repayment. You can ask for a deferment of the repayment deadline, even after the day when you should pay the liability in full. It will be easier to get rid of debt when the time for Christmas and New Year’s expenses is over. If you are in arrears, try to break down the installment loan.

Debt collection companies often buy debts on online exchanges. They buy them at a price much lower than their nominal value. This gives you room for negotiation. Make calls to cancel interest. Debt collector’s priority is income from debts. Therefore, he wants you to settle your debt and canceling part of the debt will undoubtedly facilitate its repayment. In this way both sides will gain.

Take out a senior citizen loan

The senior citizen’s loan is especially for seniors. It is a personal loan that you can take out later in life, so that you can use it, for example, in your old age. Do you want to allow the (grand) children to study, get out of it luxury in your old age or are there other costs at your doorstep for which you would rather not use your savings? As long as you have sufficient income, it is possible to take out a senior citizen loan. You simply provide some extra money, without having to pay high interest.

Cheap senior citizen loan

Cheap senior citizen loan

At Leenattent we provide a cheap senior loan, for example by offering you the best possible interest. In addition, we look closely together at the amount you need. Is there savings and do you want to use it partially, completely or rather not at all? No problem, we tailor the senior citizen’s loan to your personal wishes and then look for the lowest interest in the Netherlands. The result is an affordable credit for seniors, with which we ensure that you have some extra money at your disposal.

Features and benefits

Features and benefits

The senior citizen’s loan closely resembles the personal loan. It is a credit that you take out once, you use the term to pay back the loan bit by bit. There is a fixed interest rate and a fixed term, so that the monthly period is fixed and is the same every time. You benefit from a high degree of certainty, which also has a low interest rate. You can take out the senior citizen’s loan until you are 74, when it is important to repay the loan in full no later than the day before you turn 75. The senior citizen’s loan is therefore available at higher ages than a regular personal loan.

Advice for your situation

Advice for your situation

Wondering what is possible in your situation and whether it is a good idea to take out a senior citizen’s loan? Instead of taking out a senior loan with a senior loan? Our advisors can tell you more about it or check directly for you what is possible. Contact us via the online form, by calling us or starting the live chat. Our advisors are ready for you and are happy to tell you more about the senior loans available.