My WordPress Blog Mon, 15 Apr 2019 15:52:40 +0000 en-US hourly 1 10 Top Loans on the Internet by Non-Banking Institutions Mon, 15 Apr 2019 15:52:40 +0000

Non-bank institutions that lend on the internet are the so-called fast-paced lenders. Tava are financial companies that offer the service under different borrower requirements and different loan parameters. See for a summary

On this page we have selected the top 10 Internet credits from non-bank institutions . They are the most successful and most sought-after companies and offer some of the most favorable conditions. They credit online, saving you the inconvenience of office visits, search and wait. They are all licensed providers of this service registered in the Central Register of the BNB .



  • One of the most popular online lending companies that also offers credit without interest .
  • Loans amount from BGN 50 to BGN 1,000
  • Conditions for granting – 19 years of age, Bulgarian citizens covering minimum credit requirements and providing the requested information.
  • Approval up to 15 minutes, you can request an express review of your request, get money instantly on a bank account.
  • No guarantors, no guarantees.
  • There are no registration fees, there are no transfer fees, no hidden and unknown costs.
  • Every first loan is free, no interest, no charges, you return as much as you’ve taken.
  • You can extend the loan period indefinitely within one calendar year, you can withdraw a loan if another asset is available.
  • The company operates weekends and public holidays seven days a week.



  • Correct loans up to BGN 2,500 and return period of 3 to 24 months.
  • Conditions for release – 18 years of age and own proven earnings.
  • Complete online application from all over the country, approval up to 7 minutes, no day off, 7 days a week.
  • The credit application is completely free and does not bind you with a contract, you can always opt out.
  • Every first credit of up to $ 600 is completely free, returned in grace period of up to 30 days, every seventh is also free of charge for 15 days.
  • You can reschedule in convenient small installments, you can refinance your credit.



  • Credits on the Internet from a computer, smartphone, tablet or phone, no weekends, approval within 5 minutes, and you get the money the same day.
  • Fast credit up to BGN 3,000 and repayment term up to 12 months.
  • Conditions for granting – Bulgarian citizens aged 19 to 70, with permanent address registration, income and pure credit history.
  • It is necessary to designate a contact person and a guarantor of a natural person (to whom a request is made) or a partner bank of the company.
  • No hidden charges, there is a grace period for repayment.
  • Interest is a percentage of the amount granted for the period of use.
  • You can extend the loan period by 7, 15 or 30 days, against payment of a fee, you can pay in parts.
  • Each first loan of up to BGN 700, returned for 15 days, is 0% interest.
  • A dynamic and highly efficient company with experience in lending.



  • Direct contact with the customer, entirely online credit from a non-bank institution for individuals and legal entities, on the territory of the whole country.
  • Approval up to 10 minutes, the amount you can apply depends on your insurance income, up to a maximum of $ 5,000.
  • Terms of application with the highest weight: good credit history, insurance income, paid social and health insurance, valid ID card and bank account.
  • There are no fees and additional costs, no early repayment fees.
  • You need to provide a guarantor that has to meet certain requirements.
  • Open relationship, use a client account for up-to-date loan information.



  • Easily apply for credit on the Internet, only for an ID card, from 200 to 3,000 levs, you can get the money in cash.
  • Fast credit without guarantor and without any collateral – financial services for individuals and small and medium business.
  • Credit for everyone – without proof of income.
  • Fixed interest and equal weekly or monthly repayments.
  • Diverse and enduring credit products.
  • 0 loan rates returned up to 30 days.



  • Without getting off the computer, you get online credit up to $ 5,000 by bank transfer from one of the best non-bank institutions in Bulgaria.
  • Approval for up to 20 minutes.
  • Allowance requirements – Bulgarian citizens aged between 23 and 70 with regular income, good credit history, telephone and email.
  • No guarantors are required.
  • There are no charges and commissions, no hidden extra costs.
  • Various loan repayment schemes through weekly, two-week or monthly installments, refinancing of liabilities and other financial institutions.
  • Promotion – interest-free first credit up to BGN 2,000 – online, returned for 30 days and up to BGN 5,000 from the office, the return depends on the amount of the withdrawn amount.



  • Instant answer, you yourself choose an amount and a repayment term up to 70,000 leva.
  • Conditions for granting – Bulgarian citizens with permanent income, for purchase of goods for repayment – 18 years old, for consumer credit – 21 years old.
  • No collateral is required, you do not look for guarantors.
  • Fixed interest for the entire loan period.
  • There are no hidden fees and commissions.
  • Different types of credits with proven benefits to meet your needs.
  • Repayment of loans – through equal monthly installments in all known ways.
  • You can refinance, you can unite obligations.



  • Just online, with 4 clicks, you get money up to a minute from 50 to 1,500 lv, repayment time up to 360 days.
  • Approval for up to 20 minutes.
  • Allocation requirements – 18 years of age, permanent income, paid social security contributions, without overdue and unpaid debts.
  • Loans on the Internet without guarantors.
  • There are no application and movement fees.
  • No interest, no fees, no cost – every first credit up to 1 500 BGN, returned up to 30 days.
  • You can reschedule, you can refinance your credits.



  • Apply online, credit only against ID card , with regular monthly earnings, paid contributions for the last 12 months, and fine payers.
  • Loan amount – from 200 to 1 500 BGN and repayment term from 3 to 12 months.
  • Approval for up to 20 minutes, you get the cash.
  • The interest is charged only for the period of use, preliminary complete information.
  • No guarantors are required.
  • There are no hidden fees and commissions, no early repayment fees.
  • There is a possibility to refinance the amounts granted, discounts are made, preferences from right payers are used.



  • Clear and predictable online credits, you can apply for an unlimited number of times.
  • Size of the loans, depending on their type: up to 3 000, 5 000, 8 000, 90 000 BGN
  • Repayment installments – weekly, two-week or monthly, can be collected from the client’s home, you get service in the comfort of your home.
  • Credit products tailored to your needs – for everyone, for pensioners, for people on permanent contracts, for people with proven income, for loans in credits, for loans in Bulgarian post offices and others.
  • A collateral from guarantors or a bank guarantee is required.
  • Loyalty program – discounts, bonuses, gifts and more.

As we mentioned all the above-mentioned non-bank institutions for fast online credit for licensed. The personal information you provide is protected, properly handled and stored in accordance with the law. The application procedure is simple, simple, use the mouse on the computer device and with a few clicks and a minimum of documents you have already made your credit application, the approval is quick to minutes and you get the money right away.


]]> 0
The Interest Rates Applied In the Postal Loan Offers | Payday Loans Sat, 06 Apr 2019 15:29:32 +0000

Content index

  • 1 Poste Italiane loans
  • 2 Interest rates for postal loans
  • 3 Types of postal financing
  • 4 Mini loans and financing
  • 5 BancoPosta Loan
  • 6 Flexible BancoPosta Loan
  • 7 BancoPosta Purchase and Restructuring Loan
  • 8 Offers and promotions on Poste Italiane loans
  • 9 Conclusions

Did you like the post?

Postal financing is a practical and advantageous solution for those seeking an alternative financing method. The loans offered by the Poste Italiane group are an excellent alternative to the typical loans offered by banks or other credit institutions. These are loans that are designed primarily for those who already have a BancoPosta post office current account; even if there are options valid for those who do not have a postal current account.

The loans offered by Poste Italiane are a convenient combination of practicality and good interest rates. Among the various financial products offered, there are various financing models that adapt to different needs and requirements. But what are the financing models made available by Poste Italiane to its customers? How to choose the best financing? What are the interest rates applied to these loans? Are they really cheap? Let’s find out together!

Poste Italiane loans

 Poste Italiane loans

Poste Italiane loans are one of the most interesting alternatives on the financial products market in terms of loans and financing. These are loans that can be requested directly from the nearest Post Office and allow you to obtain liquidity in case of need. The loans offered have very different characteristics; they therefore adapt to various needs with respect to both the sum to be requested and the loan request and repayment method.

These loans are created specifically for holders of a BancoPosta post office current account; but some are also suitable for those who do not have a postal current account. There are special funds that will allow you to request mini-numbers that will be repayable in a fairly short time. Some Poste Italiane loans can also be conveniently requested online; this makes the request methods really very simple and immediate .

Poste Italiane offers a wide range of loans that are suitable for different needs: there are mini loans, BancoPosta loans, loans for the purchase or renovation of one’s home and many others. But let’s examine one of the most requested topics related to the loans offered by Poste Italiane: interest rates.

Interest rates for postal loans

Interest rates for postal loansInterest rates for postal loans The interest, speaking in terms of financial economy, is the sum due as compensation for obtaining a sum of money on loan for a certain period. The interest rate instead is the cost of money; that is, the percentage of interest on a loan and the sum received by those who lent the money.

After understanding what the interest rate is, let’s analyze the interest rates provided by Poste Italiane on the loans they have granted. First of all, let’s clarify that the interest rate is never the same. This is not a single rate that is applied to all types of financing requested. The rate is always calculated based on the amount you request on loan, the duration of the loan and the type of loan you are going to take out. Furthermore, the interest rate changes also based on the market trend.

However, the interest rates proposed by Poste Italiane are often very cheap . This is also thanks to the numerous promotions on ongoing loans.

Types of postal financing

Interest rates for postal loans

We can divide the various types of loans offered by Poste Italiane into at least two broad categories:

  • Mini loans
  • Postal financing

The mini loans or mini loans are loans characterized by mini sums , usually below the 3000 Euro. Many credit institutions do not allow to request loans with such small amounts of money: instead Poste Italiane offers you this possibility too.

Instead the normal loans are loans characterized by the request for higher sums which therefore provide for the stipulation of a contract of a different type. It is therefore a question of long-term financing; for example, mortgages related to the purchase or renovation of one’s home or other types of financing.

Regardless of the type of financing you are requesting from Poste Italiane, you can however have the security of obtaining a loan that will have excellent characteristics. Furthermore, by contacting Poste Italiane, you can choose between various types of financial products; these products will surely be able to satisfy your every need.

Mini loans and financing

Offers and promotions on Poste Italiane loans

The Bancoposta mini loans are loans that you can request directly at the post office; will allow you to borrow “mini digits”. Among the various types of mini loans offered by Poste Italiane, two are certainly the most interesting and are:

  • BancoPosta mini loan
  • PostePay mini loan

The BancoPosta mini loan is a small loan designed for those who need a mini amount to be requested very easily.

This Mini loan is the ideal solution if you want to get a small sum to start some projects, to meet unexpected expenses, or simply to buy something important for you or your family. The BancoPosta mini loan is a solution designed for Poste Italiane customers who already own a PostePay Evolution card. This is a really simple and convenient solution; in fact this loan can be requested very easily both online and in any post office.

Once you request this mini loan in the way that will be most convenient for you, the sum requested will be paid to you, subject to approval, directly to your PostePay Evolution account . At that point you will have the requested amount available, which you will then repay in 22 fixed installments.

The SpecialCash PostePay instead, is the loan that goes to top up your PostePay card or your PostePay Evolution card; the amount that can be requested ranges from a minimum of € 750 to a maximum of € 1500. The chosen amount must be paid directly to a PostePay card of your choice; it can be used in complete tranquility to make purchases, deal with unexpected expenses or even start small projects.

This is a mini loan with a flexible amount, three different top-up plans are available. These three floors are characterized by different amounts and different durations up to 24 months. An additional advantage of this mini loan is that it is a loan that can be requested even by those who do not have a pay slip; the important thing is to have a demonstrable income.

BancoPosta Loan

 The BancoPosta loan is a loan that allows you to choose the loan you prefer. You can evaluate the amount and duration that will best suit your needs. The sum that can be requested ranges from 3,000 to 30,000 euros, whereas the duration ranges from 24 up to a maximum of 84 months.

BancoPosta Loan is a personal loan that you can request if you are resident in Italy and have a demonstrable income produced in Italy. To apply for this type of loan, you must submit the following documentation:

  • Identity document valid
  • Health insurance card
  • Document showing the income produced

Furthermore, based on the characteristics of the applicant or to access ongoing promotions, additional requirements or additional documentation may be required with respect to the one listed here. This type of loan can also be requested by those who do not have a BancoPosta current account , so it is really ideal and suitable for everyone. Furthermore, both the repayment methods of the loan and the disbursement of the requested sum are really immediate and therefore very simple. The interest rates applied to this type of loan are variable but still very affordable.

Flexible BancoPosta Loan


The flexible BancoPosta loan is a loan that fits your needs. It is in fact a loan characterized by extreme flexibility that allows you to request a sum ranging from a minimum of € 3000 to a maximum of € 30,000. The repayment of this loan will be in monthly installments which will have a duration of 24 to 108 months.

The flexible BancoPosta loan has the advantage of being flexible; this means that you will have the opportunity to change many aspects of the loan even once you have signed the contract. For example, if you wish and need it, you can change the installment amount, or choose to change the duration of the loan and also the amount requested.

To request this type of financing, this time dedicated to BancoPosta current account holders, you will have to make an appointment with a consultant of Poste Italiane. Along with the loan request, you will need to submit the following documentation:

  • Identity document valid
  • Health insurance card
  • Document showing the income produced

The amount you request will be debited directly from Poste Italiane’s credit on the postal account you hold. By applying for this loan, you will have the option of changing the loan installment or even skipping it up to a maximum of 3 times.

BancoPosta Purchase and Restructuring Loan

The BancoPosta Purchase mortgage is a mortgage that allows you to finance the purchase of both the first and second homes.

This is a mortgage that provides for transparent contract conditions and above all without surprises. By requesting this type of mute you can get a loan of up to 80% of the value of the property. Furthermore for this loan there is no commission for extinction or early reduction of the requested amount. The mortgage registration of this loan is carried out for a value equal to 150% of the loan amount.

The methods of requesting the BancoPosta Purchase loan are very simple. Simply make an appointment with a consultant of Poste Italiane by calling the toll-free number 800.00.33.22 .; then go to the office on the appointed day. Together with the consultant you will decide on the mute proposal closest to your needs and you will be able to sign it.

Instead the BancoPosta Restructuring mortgage is a mortgage designed for those who need to renovate their home, both before and second home, intervening on the property in various ways.

This particular type of loan offered by Poste Italiane is the ideal solution if you need to renovate your home and need liquidity. With the BancoPosta Restructuring Mortgage you will have the opportunity to finance the renovation of both the first and second homes. You can also request an amount up to 100% of the cost of the restructuring costs indicated in the estimate; provided that the restructuring costs do not exceed 40% of the real value of the property.

This type of mute provides clear and above all extremely advantageous conditions for renovating your home; these are conditions without any kind of surprises and obviously applicable to all amount ranges. Furthermore, there is no commission due for early termination or early reduction of the amount requested.

Offers and promotions on Poste Italiane loans


Poste Italiane proposes particularly advantageous promotional conditions on many of its financial products, including loans and financing. For example, some types of proposed funding are in promotion until October 31, 2018.

Among these are the BancoPosta Consolidation Loan , designed for those who wish to collect all their debts in a single monthly installment; or the BancoPosta Home Restructuring Loan , suitable instead for those who have to carry out work on their home. These loans are offered at particularly advantageous promotional conditions; they will allow you to get at a much better and cheaper interest rate.

Other loans offered by Poste Italiane are offered on promotional terms until December 2018; therefore, if you want to take advantage of the promotional conditions and request a loan with a better interest rate than others, this is exactly the right time to request it.



We have briefly examined the various types of financing proposed by Poste Italiane and the related interest rates. Making use of a Poste Italiane loan often means being able to request a loan characterized by an excellent interest rate and extremely favorable repayment terms.

The interest rate applied to postal loans is not a single rate, but rather variable. The rate that will be applied depends on several factors; that is, the type of loan you will request, the amount you wish to receive on loan and also the duration of the loan. These are the main factors that go to influence the type of interest rate that will be applied to your loan.

Regardless of your situation and the type of loan you need, Poste Italiane offers a wide range of financial products. Among these you will surely find the type of financing most suited to you and characterized by an excellent interest rate.

]]> 0
3 Top Loans Without Demonstration of Income | Payday Loans Thu, 04 Apr 2019 16:10:35 +0000

An important and irrevocable condition for the granting of loans is the income of the borrowers. But for some people, it is hard to prove it already on the market. emergency loans without a labor contract and fast loans without proof of income in Sofia and other cities in the country. On this page we will introduce you to the most famous companies in our capital, who provide credit without income in an office or online. An assessment at

Generally, when you withdraw credit, most financial institutions require income. Income must be regular, permanent, proofable. Evidence of the amount of income is the certificates or official notes issued by employers on special forms – forms, signed, stamped and displayed with an outgoing number.

The receipt of income relates to the determination of the amount of the repayment installments and their maturity date. Normally there is also a ratio requirement: income / repayment installment. The presence of proven earnings is a kind of guarantee to creditors, their risk of non-repayment of loans is minimized.

In the credit market, in the presence of large competition of financial companies, there are those who grant an emergency and fast credit without proof of income. Logically and naturally, most loans are to be found on the territory of Sofia. This is not only because the population of the capital is numerous, but also for various economic reasons.

When receiving quick credits without proof of income, pay attention to some unquestionable factors that we have commented on and another time – the company you are applying for is legitimate, is registered, has up-to-date certificates, the amount of interest / it may be higher /, collateral for loans – whether additional (mortgage, promissory note), fees, commissions, additional costs and other requirements and conditions are required. We will look at proposals from financial companies that grant fast loans without proof of income in Sofia.

Free Loan

Free Loan

  • Loans without the need to have proven income, you may be out of work or have no declared earnings.
  • Easy credit from an authorized international company located in excellent communications with financial institutions in our country, based in Prague, the capital of the Czech Republic.
  • Loan without limit, credits without proof of income in Sofia and all Bulgarian cities, regardless of the social status, for all adult Bulgarian citizens – credit for unemployed , on maternity leave, loans for pensioners , self-employed.
  • In case of urgent need to borrow – money on the same day – amount up to 700 BGN, repayment term up to 45 days.
  • There are no application and money transfer fees.
  • No collateral is required, no guarantors, no promissory note.
  • You apply for a loan online by filling in an application, your application is considered immediately, after approval you send the JMC to confirm the loan and the amount is transferred immediately by bank transfer / the transfer can be with you for less than 5 minutes / cashier in Easeppe.

Micro Credit – Credi Home

Micro Credit - Credi Home

  • Loans without proof of income in Sofia and without employment contract.
  • Credit against identity card only , for 18 years Bulgarian citizens, without age limit.
  • Flexible loan from a licensed company – Micro Credit AD, headquartered in Sofia, registered with the Central Credit Register of the Bulgarian National Bank, personal data administrator under the Personal Data Protection Act – your personal information is protected and preserved according to the requirements.
  • Loan without collateral, no guarantors, no mortgage.
  • Loan amount from 200 to 3,000 BGN, repayment term from 9 to 48 weeks, or from 3 to 12 months.
  • Ways to apply – online 24 hours a day, by calling the national telephone or an office of the company.
  • Individual competent counseling and personal courtesy of a personal credit consultant.
  • Take cash – quickly and conveniently.
  • The interest is fixed for the entire period of the loan depends on the amount withdrawn and the return period.
  • Repayment is equal to weekly or monthly installments, you choose a day of the week or a month of the month, you have an individual repayment plan.
  • Ways of redemption – by bank transfer, at an office in the company, or you pay at a convenient time and in a convenient place to your credit consultant.
  • You may issue a Credit Liability Certificate if you need it.

Cash cache


  • Financial company with an innovative model of work.
  • Approval for up to 6 minutes and a personal offer for each client, you receive the cash or a bank account.
  • Credit products – Cash per day from BGN 100 to BGN 399, you choose the repayment time within 30 days, Cache credit – Credit line from 200 to 2 000 BGN, repayment term from 1 to 18 months.
  • Conditions for granting – Bulgarian citizens 18 years of age, regardless of social status, family situation, no proof of income is necessary.
  • A simplified application procedure can be done online or in an office of the company.
  • Loans are provided against collateral – for credit line – 2 individuals guarantors or bank guarantee up to 5 days after the signing of the contract and the utilization of the money, for cash per day – 1 individual guarantor or bank guarantee up to 24 hours after signing the contract and absorption of the loan.
  • Guarantors must be approved to work for an indefinite employment contract, and everyone must receive at least 1 500 BGN gross monthly salary.
  • The bank guarantee must be only from a bank approved by the lender. The fee is deferred and paid together with the monthly repayment installment.
  • Loans without proof of income in Sofia and other cities without application and utilization fees, there are no fees for early repayment.
  • Regulated fixed interest only for the period of money use.
  • Repayment of equal monthly installments.
  • Ways of returning the loans – by bank transfer, at the office of the company, at Lafka, at Cash Terminal, in the office of EasyPay.
  • If you have repaid over 70% of your current loan, you can refinance your credit.
  • Detailed information about the questions you may be interested in can also be found on a free phone, on the site or in the office of the company, also on past or current loans.

Note: Before withdrawing any quick credit, carefully read the contract and all the clauses on it. Be informed in advance what exactly is the amount of interest, what exactly is the final amount that you have to repay and what are all the fees. Be careful and pay attention to the fine print.

]]> 0
How to Apply For Your Payday Loan Credit? Thu, 04 Apr 2019 14:39:26 +0000


As a worker, you have the right to obtain a home. This right must be made before the National Housing Fund for Workers (Infonavit), do you know the process? Here we indicate it to you.

The Institute of the National Fund for Housing for Workers (Infonavit), is a tripartite institution founded on April 21, 1972 composed of government, companies and workers.

The main purpose of Infonavit is to grant loans to workers, to obtain housing , in addition to granting savings income , which is maintained in the National Housing Fund for Retirement Pensions .

The Housing Fund administered by the Institute, consists of the contributions made by the employers , which correspond to 5% of the base salary of the workers.

Derived from the above, if you have already spent time working formally for one or several companies and they have made contributions to the Housing Fund, you may be able to apply for an Infonavit loan to purchase a home.

In general terms, this is the procedure to apply for your Infonavit credit:

In general terms, this is the procedure to apply for your Infonavit credit:

A) First of all, you must meet the following requirements:

  • Be a beneficiary of the Infonavit with current employment relationship.
  • Count with 116 points.
  • Answer the questionnaire “Personalized Counseling Infonavit” entering with your social security number so that you receive personalized advice on the best way to use your credit.
  • Take the online workshop “Know to decide”.
  • Provide the data of two personal references.
  • Comply with what the Green Mortgage program establishes, with respect to the installation of water, electricity and gas saving accessories, which will be paid with the amount of additional credit that will be granted, if applicable.
  • When registering your credit you will receive a format to consult your data in the credit information societies, which you must sign.

B) Check the Infonavit portal, creating a personal account, your prequalification to know if you comply with the following:

  • The points you have (minimum 116) to process your credit.
  • The savings you have in the Housing Subaccount and what amount would be added to the credit.
  • Your credit amount
  • How much would you be deducted for the costs of titling, financial and operation.
  • The monthly discount that the company for which you work will make you.

C) Collect the following documentation to form the file :

D) Register your application at the nearest Infonavit service office once the aforementioned documentation has been collected.

E) Once the Infonavit authorizes the credit , a notary public must be chosen, and deliver the documentation described above to formalize the process . It is recommended that you inform about the efficiency of the notaries, in relation to this procedure, information that is available in the Infonavit portal itself.

F) Print your Discount Retention Notice once you have your credit number, enter the Infonavit portal with your personal account and print your Discount Retention Notice , which you must take to the company where you work to be stamped. and sign.

G) Submit the retention notice on the day of the signature of your deed . Finally, the delivery of this notice must be done the day you sign your deed, the Notice of Withholding of Discounts must be signed and stamped by the company where you work . Based on this document will be made the discounts via payroll and will also serve you in the future if you change jobs, if you have to sign a restructuring of your credit or when you finish paying your mortgage or if you want to cancel .

Once the term of the loan has ended and the corresponding payments have been made through the discounts that the company or companies for which you work through the payroll have done, the mortgage on the home that is in favor of the Infonavit can be released . You will have to go again with a notary to request this release before the Institute and that the corresponding deed is obtained, manifesting this situation so that the process of the purchase of the house is finally concluded , leaving the title of property of the house in your name .



]]> 0
20 Quick Loans Per Monthly Installments: Easy and Urgent Fri, 29 Mar 2019 16:07:00 +0000

We know that easy and fast loans in monthly installments are convenient to use, they are repaid with income from a different source, usually received once a month. Most of them are online loans and up to 1500, 2000, 3000, 4000 and 5000 leva. There is already a payday loan with monthly installments.

Monthly credit installments allow some planning of our fixed costs for this reporting period. When the monthly installments are fixed and equal – this is a convenience for the borrower, a security for a regular, recurring amount.

Fast lending companies, according to their policy, make it possible to choose the number of months for which we will repay the loan within the repayment period.

We will present you 20 fast loans in monthly installments – easy and urgent, by authorized, financial companies – registered with the BNR CCR, personal data controllers under the Act to make informed choices.

We will present you 20 fast loans in monthly installments - easy and urgent, by authorized, financial companies - registered with the BNR CCR, personal data controllers under the Act to make informed choices.


  • Fast and urgent loans in equal monthly installments of 2 to 12 months matured by bank or cashier.
  • An amount of 400 to 4 000 leva.
  • Apply online or in a partner office, on working days and on holidays, at public holidays.
  • You get approval for approval within 5 minutes via SMS.
  • Conditions for allocation – Permanent residents of the country aged 18 to 70, with permanent address registration, income and pure credit history.
  • There are no hidden fees and additional costs.


  • Emergency and easy fast credit in monthly installments – from 2 to 12 months.
  • Size – up to 4000 leva.
  • Only for Bulgarian citizens, regardless of the social status: unemployed, on maternity leave, retired, self-employed.
  • Money on the same day, your request is handled instantly, approval in minutes.
  • No proven income.
  • No guarantors.


  • Quick Loans in monthly installments – easy and urgent. You choose a period of 4 to 11 months.
  • Size from 200 to 3000 leva.
  • Monthly product that can benefit all individuals over the age of 18.
  • Single document: valid ID, no employment contract required.
  • Payments are made to a bank account or directly to your personal credit consultant.


  • Fast loan in monthly installments: easy and responsible. Maximum repayment term 11 monthly fixed installments.
  • Size from 400 to 3000 leva.
  • Claim with ID card only, no guarantors.
  • Grace period up to 45 days.
  • It is suitable for clients working on an indefinite employment contract aged 21 to 75 years.


  • Easy and fast credit in installments. Duration 12 months.
  • Size – credits up to 3000 leva.
  • A detailed credit calculator, a convenient form of application, the money you get today.
  • Requirements: age between 18 and 65 years, reliable data and good credit history.
  • You may receive an additional amount.


  • Quick Loans in monthly installments – easy, urgent and responsible. Repayment from 3 to 12 months.
  • An amount of 50 to 4000 leva.
  • Available only against ID card.
  • 24 hours a day, holidays and holidays, with approval for up to 10 minutes.
  • You may receive a document on the current status of the loan.


  • Fast loan in monthly installments – easy and urgent. From 6 to 96 equal installments.
  • Size from 800 to 80000 leva.
  • Light procedure and fixed conditions for the whole period.
  • The annual interest rate depends on size, term, grace period and individual creditworthiness.
  • You can make a “Protection of Payments” insurance.


  • Fast monthly installments – easy and flexible. Repayment: up to 18 installments.
  • Up to 2200 leva.
  • Conditions for release: You are 18 years old, living in Bulgaria, having a permanent income, a mobile phone, an email address and being able to return your chosen amount in time.
  • You withdraw money multiple times and return it under this contract.


  • Fast and easy credit in monthly installments. Return period up to 12 months.
  • Size from 200 to 1500 leva.
  • From any computer or mobile device with internet.
  • Conditions: Be recruited and aged between 18 and 70.


  • Fast credit in monthly installments – up to 12 issues.
  • Online credit up to 1000 leva.
  • Approval within 20 minutes, receive a notification email with the company’s opinion.
  • Collateral is required from a guarantor.
  • You can extend the deadline, you can refinance under certain conditions.


  • Fast credit in equal monthly installments – easy approval. Duration 3 to 12 months.
  • Size from 200 to 3000 leva.
  • Credit without proof of income .
  • No collateral and no guarantors.
  • You get the money in cash.


  • Fast loan in monthly installments – easy and urgent. Repayment term from 3 to 18 months.
  • Size from 100 to 3000 leva.
  • Absorption by hour.
  • No fees and commissions.
  • Discounts and discounts for regular customers.


  • Fast, emergency credit repaid through equal monthly installments – up to 18.
  • Size from 200 to 2000 leva.
  • Any adult Bulgarian citizen with a valid identity card can apply.
  • Guaranteed loan – up to 5 days after absorption of the loan, you must bring two natural persons of guarantors (meeting conditions), or provide a bank guarantee.


  • Quick Loans in monthly installments – easy and urgent. Repayment from 3 to 24 months. Contributions are determined individually.
  • Up to 3000 leva.
  • Sending an application is completely free of charge.
  • No day off, you are required to be mature, with a valid ID and income.
  • Opportunity for refinancing.


  • An easy consumer loan that is extinguished on an equal basis

monthly installments – 4, 5, 6, 7, 8 or 9 months.

  • Size from 200 to 2500 leva.
  • The credit amount is up to 24 hours in your home or on Easy Card – a debit card free of charge for issuing, maintenance, towing and payment.
  • Collateral required.


  • Quick loan in monthly installments, easy and transparent. Repayment term up to 12 months
  • From 600 to 1500 leva.
  • Application conditions: 18 years of age, permanent income and paid social security, loan amount – less than monthly income and good credit history.
  • Money to minutes – approval within 20 minutes.


  • Fast and easy fast loans in monthly installments. Duration 4 to 24 months.
  • Size from 100 to 5 000 leva.
  • Requirements: Bulgarian citizens or foreigners permanently resident in the country who have attained the age of 18, officially proven regular income from labor or civil law, pension.
  • Free consultation and additional services.


  • Quick consumer credit in monthly installments. Duration 3 to 12 months.
  • Size from 100 to 3 000 leva.
  • Suitable for people with monthly income.
  • For each payment you receive an SMS message, you can check the current status of your credit.


  • Fast and easy consumer credit, repayment method – monthly installments from 3 to 11. Maturity dates tailored to your capabilities.
  • Up to $ 2,000 without getting off the computer.
  • Approval for 20 minutes.
  • Opportunity for refinancing.
  • Preferences and bargain offers for loyal customers.


  • Fast credit with additional service option – express review, repayment of monthly installments from 3 to 9.
  • The amount ranges from 300 to 1,500 leva.
  • Opportunity for refinancing.
]]> 0
What Are The 8 Steps Of A Personal Bankruptcy In Quebec? Mon, 25 Mar 2019 13:51:07 +0000


Your problem of over-indebtedness is not insurmountable. Let a professional in financial turnaround help you make an informed choice among the various solutions available to you:

  • Debt consolidation
  • Mortgage Refinancing
  • Consumer proposal
  • etc.

If you opt for a personal bankruptcy, your expert will accompany you at each stage along your path towards better financial health.


Here are the 8 steps of a bankruptcy burst


While personal bankruptcy may seem long and tedious, be aware that with the assistance of a seasoned trustee in bankruptcy, you will have peace of mind. Most of the time, the steps follow one another without problems and quickly.



  1. Contact a trustee in bankruptcy for a free consultation

    Contact a trustee in bankruptcy for a free consultation

A trustee in bankruptcy is a professional who has all the expertise required to provide you with all the appropriate advice and to help you find the right solution for your financial situation.

Your professional will take stock of the current state of your finances taking into account, among other things, your budget and your debts.

He will present you the various possible solutions as

  • Personal bankruptcy
  • The proposal
  • The consumer proposal
  • Voluntary deposit …

It will explain you in a simple way, but specify what differentiates them from each other as to their advantages and their repercussions so that you can choose the solution that suits you best.

When your choice is fixed, he will explain the next steps and will accompany you.


  1. The declaration of bankruptcy

A trustee in bankruptcy is a professional duly mandated by the Act to make the official declaration of your personal bankruptcy.

If, following your information meeting, you decide to declare bankruptcy, the official forms will be completed by your trustee.

When you sign them, your personal bankruptcy file will be filed with the Office of the Superintendent of Bankruptcy (OSB).

From then on, your personal bankruptcy will be officially declared . As a result, your creditors will have to deal directly with your trustee in bankruptcy .

From this point on, you can stop paying the amounts required by your creditors.


  1. The sale of your seizable property and the payment of the sums to the trustee

It is the role of the trustee in bankruptcy to determine which of your assets will be sold to repay your creditors. The money raised will be placed in trust and then distributed equitably to your creditors.

However, you will be able to keep certain property protected by law (food, specific furniture, instruments necessary for the exercise of your profession, alimony, certain benefits …)

In addition, additional amounts must be paid monthly to your trustee. These amounts will also be given to your creditors.


  1. The trustee sends a notice of bankruptcy to your creditors

    The trustee sends a notice of bankruptcy to your creditors

If the value of your assets or debts is large, it may happen, but it is not common, that your creditors ask for a meeting to be held to inform them about the bankruptcy. certify the assignment of a trustee and give him information or direction and appoint inspectors who will control the management of the assets.

If a meeting of creditors takes place , you are obliged to attend.

Otherwise, your creditors will simply be informed of the value of your property, your debts and your monthly budget, which will give them a clear understanding of your financial situation.


  1. The Office of the Superintendent of Bankruptcy may want to meet you

It may also happen that a BSF representative asks to meet with you to ask you questions about the reasons for your bankruptcy, your actions, about particular debts, or about the “loss” or disposition of your assets. . You must answer, under oath, the questions that will be asked.



  1. Two (2) consultation sessions

You will have to attend two (2) meetings with a financial advisor to reorganize your finances.

At the first meeting , it will discuss the distribution of your budget, the use of credit and other deferred payment of bills and your consumption habits.

The second session will identify all the circumstances that led you to declare your bankruptcy and establish a plan of action to get you back on track.


  1. Report prepared at the request of the BSF by your trustee in bankruptcy

Depending on your situation, the BSF may request a report from your trustee in bankruptcy about:

  • your finances
  • reasons that led you to declare bankruptcy
  • the importance you have given to the settlement of your debts
  • of your behavior before and after the filing of your personal bankruptcy
  • etc.



  1. Release your bankruptcy

    Release your bankruptcy

If you have fulfilled all your obligations and passed through each of the steps mentioned successfully, you are now free from your erasable debts.

How long does a personal bankruptcy last after filing your file?

First bankruptcy Second bankruptcy
9 months 24 months
If you have to pay additional amounts for excess income
21 months 36 months


Do you consider declaring bankruptcy? Consider your different options


Reset your credit without further delay. Do not let your debts undermine your peace of mind.

Find a financial advisor, a trustee in bankruptcy or even a mortgage broker (if you want to take out a mortgage despite your bankruptcy) who will guide you and accompany you along the road to improved financial health.

Save time and money by soliciting multiple professionals in one quick and easy online quote. Fill out the form on this page free of charge and wait for the offers that will quickly send you the best financial recovery specialist in your area.


]]> 0
10 Online Loans to Salary: Expenses and Accounts Thu, 14 Mar 2019 16:40:07 +0000

The salary is the main source of income of workers in our country, but when it does not reach many people are looking for withdrawing fast online loans to salary urgently to earn months. Even now, people with bad credit history give them away. Clarification at

Securing money to pay is an important problem for many Bulgarian families. Sufficient or not, or less serious amount, it formed the minimum cash which cover life’s expenses, utilities – utility bills, meeting the needs and interests use for education, treatment, vacations, trips and holidays, take advantage of bargains , services, promotions and more.

Real wages are the amount we have received and with which we can meet our actual needs. The payment of salary is also guaranteed by the Bulgarian legislation, because labor is always rewarded.

The salary is a constant monthly remuneration for the labor employed by the employees, it depends on many factors and is obtained on a certain date.

With this date, costs are covered that we need to cover regularly and on a regular basis. Often in practice it is going to pay us late due to various objective and subjective reasons, and we find ourselves unable to cope with the complicated situation.

If we do not have money to pay, one of the options is to withdraw credit, use a small amount of money for our urgent needs and return it in a short time.

Loans to paycheck are fast –

Loans to paycheck are fast -

Applying online, in an easy and simple procedure with minimum documents, approval was immediate and the same day I receive money in a convenient way. We will introduce you to top offers of online loan companies to payroll.

1. Credisimo – Creditsimo to salary

  • Maximum amount up to 600 BGN and repayment term from 15 to 30 days.
  • Simple and easy procedure – choose the amount and fill out the quick online form, you get an answer for approval to seven minutes by email or phone, take the money immediately by bank transfer or in cash EasyPay.
  • Applying only with an ID card without guarantors.
  • The application is completely free and does not bind you to a contract, you can opt out if you want.
  • There are no additional fees and unclear costs, no early repayment fees.
  • Every first and fifth credit to a salary returned for a period of 30 days without interest, free of charge, you return as much as you received.
  • You can extend the payout period – an unlimited number of times if you are unable to pay on the due date.

2. Feratum – Loan to pay

  • Online credits up to a salary of BGN 50 to BGN 800 and a repayment term of 5 to 45 days.
  • Applying through an internet application on the company’s website or in an office and its partners, approve up to 10 minutes and get the money instantly in a convenient way.
  • Conditions for allocation: Age between 18 and 70 years of age with permanent address registration, income and pure credit history.
  • You are familiar with the price of the service, you know the exact amount of interest and fees.
  • Express loans without hidden and additional charges.
  • You need to specify a guarantor – a natural person meeting the conditions or a bank guarantee from a partner bank of the company.
  • Every first loan to a salary is with 0 BGN interest, returned once in 15 days.
  • You can extend the loan term by 7, 15 or 30 days: 5 times, by paying a fee.

3. Micro credit – CrediNet

  • Fast online loan from 200 to 3 300 leva, repayment term from 3 to 12 months.
  • Easy approval – free application, credit only against ID card , receive SMS or email.
  • Any credit can be repaid free of charge within 30 days, against payment of an administrative fee.
  • No collateral is required, no guarantors are required, only a contact person – 18 years of age and a mobile phone is required.
  • Absorption of the money and repayment – by bank transfer, in the office of the company or at the Easy Way bank.
  • You can receive up-to-date credit information by phone, e-mail, or by a contributor to chat on the company’s website.

4. City cache – Credirect – Credit to salary

  • Online credits up to 500 BGN payable per contribution for a period of 14 or 28 days.
  • Award terms: At the age of 18, provide the necessary information and meet minimum credit requirements.
  • Enter your chosen amount and repayment term, fill in the form and after fast approval, you get the money, the express service guarantees you a review of up to 20 minutes.
  • You receive the credit agreement by email together with the other documents.

5. Mini Loan – Loan Loan

  • Amount up to 500 leva, repayment term up to 30 days.
  • Conditions for release: 18 years of age, permanent income, mobile phone and email address.
  • Approval within 30 minutes, signing the contract remotely.
  • The interest is paid only for the period of use, there are no fees for early repayment.
  • You can get credit even if you have another loan.
  • Every first credit returned within 15 days is without any cost.

6. Kint

  • Online credit up to a salary of 50 to 1 000 BGN, repayment term up to 12 months.
  • Approval from 5 to 20 minutes, get an opinion by email.
  • Conditions for allocation: Bulgarian citizens over 18 years of age, with a bank account and correctly filled in data.
  • No hidden fees, application is free.
  • Credit guarantee: Within three days of the conclusion of the contract, you must present a guarantor that meets the requirements – to work on a labor contract for at least 6 months with the last employer, to have a social security income of more than BGN 1,400, a net credit history there is no active loan to the company.
  • You can extend the credit period by 7, 14 or 30 days against a fee for an extension fee.
  • You can refinance if you have no arrears and have repaid 75% of the loan.

7. No credit

  • Fast credit up to 500 leva, without getting off the computer, electronic signing of the contract.
  • Satisfaction terms: age 18 to 65, work, have a good credit history, and provide trusted data.
  • There is a detailed credit calculator to make your calculations for the interest and the total due amount.
  • Every first loan of up to BGN 500 returned for 30 days is free of interest and fees.

8. Free Loan

  • Online credits up to 700 leva payday, receipt on the day of application, return to 45 days.
  • For all adult Bulgarian citizens, credit without a labor contract , regardless of the social background.
  • You fill out an online application, it is processed immediately, the money is placed on your bank account or at Easy Money.
  • There are no application fees, no security is required.

9. Cash Loan – Cash Per Day

  • Size from 100 to 399 leva, repayment term up to 30 days.
  • Within one day of absorbing the money, you must bring a natural person – a guarantor in the offices of the company or it will provide you with a guarantee from a selected company for which you have to pay a fee.
  • Approval up to 6 minutes, no service fees and early repayment.
  • The interest is fixed, you pay only for the period of money use.
  • Every first credit Cache per day for new customers has 0% interest on online application.

10. Smile Credit – Loan to Pay

  • An amount of 50 to 500 BGN, an online credit received by bank transfer or at Easybank.
  • Conditions for eligibility: 18+ imported insurance and regular income, your monthly income is higher than the loan amount and have no arrears.
  • Online credits to pay guarantors, no charges.
  • In case of payment difficulties, you can pay the interest, and the principal to reschedule, or to pay the interest and part of the principal, and the balance to reschedule.
]]> 0
Interest-free Loan To Salary: Every First Fast Loan with 0 Interest Fri, 08 Mar 2019 17:34:29 +0000 The most convenient and fast loans , 7 days a week without a break. Every first – fast interest-free loan to pay – is granted in BGN and amounts to 50 to 1 000 BGN.

Secure and secured credit from Vuvuus – licensed and authorized – registered in the Central Register of the BNB, administrator of personal data under the Personal Data Protection Act.

Affordable and transparent loans with 0 interest from a responsible company, based on its principles of ethics and honesty.

  • Apply online without going out of the computer without visiting offices without wasting precious time, simple and simple – fill out a short form of company website. Take a close look at the terms of the contract and sign with the “Confirm” button. You may request an additional service – an express review of your credit request.
  • After approval for up to 15 minutes , you will receive the money immediately, in minutes by any means you choose – by bank transfer or cashier at Easypay.
  • Every first loan from the company is completely free of charge, 0% interest , no fees, no costs, you return as much money as you have taken, without any cost. The amount of money for this extremely profitable offer is 350 leva, returned up to 30 days.
  • Without guarantors , no guarantees are required.
  • Immediate credit immediately, no registration fees, no money transfer fees, no fees for the movement of the funds or no early repayment of the loan.

Terms of a loan from the company: Be Bulgarian citizens over 19 years of age, provide the requested information and meet minimum credit requirements.

You choose a sum to withdraw yourself and a period for repayment.

Special and professional attitude towards each client, competent and reasonable individual solutions tailored to your real financial capabilities.

At any point you are aware of the movement of your money, you know how much you owe, what is the amount of the interest and the principal, what is the amount of the repayment installment and what is the maturity date, you have a personal profile from which you monitor and control the status of the loan.

  • In unfavorable financial circumstances, in the event of a delay in your earnings or other unforeseen circumstances – every first quick non-interest-bearing loan to a salary , contact your customer service center immediately to seek a solution for you. You can take advantage of the opportunity offered by the company – extension of the loan term. You can extend 7, 14 or 30 days for a minimum fee, the size of which you will find in your personal profile.
  • Within one calendar year you can extend the loan term – an unlimited number of times.
  • You may only have one active credit to the company, but you may apply for an additional amount to it.
  • You can get a payday loan if you qualify, even if you have a loan from another company.
  • Way of returning the money on the loan – by bank transfer, cashier in Easeppe or via Cashier.
  • If you have any discrepancies or misunderstandings about important financial questions, you may be contacted by phone, email, go to site or complain to the company, you will be promptly and willingly responded.
  • In case of non-payment of the amounts on the loans, interest is charged in the amount determined by laws and rules. You are sent a reminder letter about the commitments made in the credit agreement. Delaying and overdue credit leads to a worsening of your credit history stored in your credit file.

For Vivus – one of the leaders in offering interest-free loans in Bulgaria

Vuvus loans are granted by an international company with stable and serious positions in the credit market – “4 Finance” EOOD.

The Company is registered with the Commercial Register at the Registry Agency with the scope of activity – lending with own funds.

The company is leading and responsible because it offers excellent conditions for short-term financial solutions and satisfies the most accurate consumer needs.

The company works successfully not only in our country but also in northern Europe – Latvia, Lithuania, Finland, Sweden and Denmark. The company has created traditions and history in countries such as Poland, Russia, USA, Canada, the United Kingdom, Spain, Georgia, Estonia and the Czech Republic.

In “4 Finance” Ltd. operates a motivated and highly qualified team of specialists whose aim is to maximize the work of the clients.

Satisfied customers are a measure of prestige and prosperity.

Loans are granted after an in-depth analysis of each client’s financial condition to make an adequate decision and reduce the financial risk to a minimum. The company has built its authority, defends it in a categorical manner, works modernly and correctly.

The companies are extremely popular with their service: every first fast non-interest-paying credit to pay all over the country!

Summary information:

  • The maximum amount you can get: $ 1,000
  • Minimum amount of fast online credits: 50 leva
  • Credit request response time – up to 15 minutes.
  • Application conditions: To be a Bulgarian citizen older than 19 years, to provide all the necessary information required in the online application form, to cover minimum credit requirements.
  • How to apply – all online.
  • Ways to receive money – by bank transfer or cashier at a convenience store for you in Easypay.
  • There is an opportunity to extend the loan term.
  • Working hours – weekdays from 8am to 8pm, weekends and public holidays from 10am to 5pm.
  • First free interest-rate credit: YES
]]> 0
Paying your mortgage servicer | Information for consumers Fri, 08 Feb 2019 14:35:12 +0000

When you obtain a mortgage loan, you may think that the loan entity will keep and manage your loan until you finish paying it or until you sell your home. Frequently it is not like that. In the current market, loans and the rights to manage them are bought and sold quite frequently. In many cases, the company to which you send your payments is not the company that owns the loan.

A house is one of the most valuable purchases you make in your life, so it is important that you know who manages your payments and that they are credited correctly to your mortgage account. The Federal Trade Commission (FTC), the national consumer protection agency, wants you to know what a mortgage servicer does and what your rights as a borrower are.

The responsibilities of the mortgage servicing services companies and their rights

A mortgage servicer is responsible for the routine administration of your mortgage loan account, which includes charging your loan installments and crediting these payments to your account; and if you have an account escrow (escrow, in English), also address to manage it . If you have any questions about your mortgage loan account, you have to contact the administrator.

Escrow accounts

Escrow accounts

A escrow account, better known as an escrow account, is a fund maintained by your mortgage servicer to which you provide money to cover the payment of property taxes and property insurance. Usually, the payments corresponding to your escrow account are included in the monthly payment of your mortgage. Your mortgage servicer pays taxes and insurance premiums as they accrue during the course of the year. If you do not have an escrow account, you must pay the taxes and insurance premiums on your own.

If your mortgage servicer manages your escrow account, federal law requires you to pay the taxes, insurance premiums, and any other established charges promptly with the funds from that account. Within 45 days from the date of establishment of the escrow account, the administrator must provide a summary that clearly details an estimate of taxes, insurance premiums and other charges to be paid within the following 12 months together with the dates and total amounts foreseen for said payments.

Your mortgage servicer must also provide you with a free annual statement in which you detail the activity of your escrow account, for example, you must itemize your account balance and reflect payments for your property taxes, property insurance and other charges.

Transfer of the mortgage loan management service


If your loan is transferred to a new administrator, you usually receive two notices: one from the current administrator and the other from the new administrator of your mortgage. In most cases, your current servicer must notify you at least 15 days before the effective transfer date, unless you have received a transfer notice at the time the loan transaction closes. The effective date is the day the first mortgage payment should arrive at the address of the new mortgage servicer. The new administrator must notify it 15 days after the date of the loan transfer.

  • Both notifications must include the following information:
  • The name and address of the new mortgage servicer.
  • The date on which the current administrator will stop accepting their mortgage payments.
  • The date on which the new mortgage servicer will begin to accept your payments.
  • The telephone number of the toll-free or collect-back lines of the current administrator and the new administrator to obtain information about the transfer.
  • If you can continue with optional insurance coverage, such as a creditor’s policy with life or disability insurance coverage; the measures you must take to maintain insurance coverage and if the terms of coverage will be modified.
  • A statement that the transfer will not affect any of the terms or conditions of your mortgage, except those that are directly related to the administration of the loan. For example, if your contract states that you can pay real estate taxes and insurance premiums on your own, the new mortgage servicer can not require you to establish a escrow account for that purpose.
  • A statement explaining your rights and how you should proceed in case you have any questions or complaints about the loan administration service.

There is a 60-day grace period that applies from the date of transfer, during this period you can not charge a late payment fee if you mistakenly send your mortgage payment to the former mortgage servicer instead of sending it to the new administrator.

Transfer of possession of the loan

Transfer of possession of the loan

The right of possession of your loan and the rights to administer it may be in the hands of one or two companies. If the ownership of your loan is transferred, the new holder of the rights of possession of the loan must send you a notice that includes: i

  • The name, address and telephone number of the new owner of the rights of possession of the loan.
  • The date on which the new owner takes possession of the loan.
  • The person who is authorized to receive legal notices and who can resolve issues related to loan payments.
  • Where the transfer of the right of possession is recorded.

The new owner of the right of possession of the loan must notify it within 30 days after the date of taking possession. This notice is in addition to any other notice you may receive regarding the transfer of the administration rights of your loan.

Accreditation of payments


The administrator must credit the payments to your mortgage account the day you receive it. Some consumers have complained about the application of late payment charges, even when their payments were made on time. To protect yourself, keep all vouchers for your payments, including billing statements, paychecks, or bank statements. Maybe you can check online the movements of your account. If you have a dispute or dispute, continue to pay the monthly installments of your mortgage, but notify the administrator in writing (see Model Letter), and keep a copy of the letter and all the accompanying documentation for your file. Send your correspondence by certified mail to the address specified by the administrator and request an acknowledgment of receipt. If you wish to send your letter and the attached documentation by fax or email, be sure to follow the instructions of the administrator and before sending your letter confirm the fax number or the e-mail address. Keep a copy of the confirmations of the fax transmission and of the acknowledgment messages and replies received by email.

Forced insurance

Forced insurance

It is important that you have the mandatory property insurance for your home. If you do not have this coverage, the administrator of your mortgage loan can buy it on your behalf. This type of policy is known as forced insurance (in force). Usually, this insurance is more expensive than current insurance although it provides less coverage. The fundamental purpose of a forced insurance policy is to protect the owner of the mortgage.

Carefully read all correspondence you receive from your mortgage servicer. Your administrator may ask you to provide a copy of your property insurance policy. Quickly respond to requests related to property insurance and keep copies of all documents sent to your mortgage servicer.

If you believe there is a paperwork error and that your coverage is adequate, send the administrator a copy of your insurance policy. Once the error is corrected, cancel the forced insurance coverage and reimburse the cost of the policy, make sure that it also credits you with any late payment fees or interest that you would have applied for the insurance coverage.



Carefully review your billing statements to be sure that the charges applied by your mortgage servicer are legitimate, including charges that may have been authorized by you or by the mortgage contract to pay for a service. If you do not understand what the charges are for, send a written inquiry and request a detailed explanation of the charges. Also, if you call your loan administrator to request a service, such as faxing copies of loan documents, be sure to ask if they will charge you for the service and what the value of the service is.

Special considerations for loans in default


If you fall behind with one or more installments of your mortgage loan, you default or default. Your mortgage servicer can then impose “services related to non-payment” to protect the value of the property. These services can include inspections of the property to make sure that you are living in the house and to control that you are maintaining it. If you consider that you are not maintaining the property correctly, the administrator may require “property preservation services”, to mow the lawn, do yard work and repair, or to cover broken windows or doors with boards. The cost of this type of services, which may add up to hundreds or thousands of dollars, is charged to your mortgage account. If the administrator initiates the foreclosure procedure on your property, you will apply additional costs to your account such as attorneys’ fees, search for title deeds, and other expenses for postal items and the publication of notices of foreclosure. This can add hundreds or thousands of dollars more to your loan and as a result, it will be even harder to catch up on your mortgage and avoid foreclosure.

If you are in this situation, stay in touch with your mortgage servicer. Administrators have different policies regarding the time established to require services related to non-payment. Some may not require an inspection of the property or require preservation work if you inform them of the months you live in the house, who are in charge of its maintenance and if they are also working with you to find a solution to resolve the delinquency of your account. However, it is important that you review your billing statements carefully and question the charges that are incorrectly attributed to you. If your account statement shows charges registered under general concepts such as “other charges” or “corporate advances”, contact your loan administrator in writing to have an explanation of those charges and the reason for their application.

Are you struggling to make your payments?

If you are struggling to make your payments – or if you have already incurred default or non-payment – contact your mortgage servicer immediately. When you are trying to solve problems with your account, it is very important that you keep the communication channels open. If you are having difficulty communicating with your mortgage servicer or finding a solution to your problem call 1-888-995-HOPE to receive free personalized assistance from housing counseling agencies certified by the Department of Housing. Housing and Urban Development of the United States ( US Department of Housing and Urban Development , HUD). This hotline serves calls from around the country 24 hours a day, 7 days a week and is operated by the Homeownership Preservation Foundation , a non-profit organization that is a member of the HOPE NOW Alliance that is comprised of participants from the mortgage market and counseling agencies certified by HUD. To receive free online guidance, visit (in English).

Declaration of the balance for cancellation

Declaration of the balance for cancellation

A statement of the balance for the cancellation ( payoff statement , in English) is a document that specifies the amount required to pay the entire loan, Generally, mortgage administrators must deliver this statement if you request it and follow the instructions . Your mortgage administrator must give you this statement within a reasonable time – usually within 5 business days – from the date of your request.

Inquiries and disputes

By federal law, the servicer of your mortgage loan must respond promptly to the inquiries you submit in writing, also called “qualified claims in writing” (see Model Letter). If you believe you were charged a late fee or penalty for incorrect payment or if you have other problems related to the administration of your loan, contact your mortgage servicer in writing. Be sure to include your loan account number and clearly explain the reason why you believe an error was made in your account. Send your correspondence to the address specified by the administrator for this type of claim.

Your mortgage servicer must send you a written response acknowledging receipt of your letter within 20 business days. Within 60 subsequent business days, the administrator must correct their account or determine that no error has been committed. The administrator must send you a written notice describing the action or action you took and the reason for it, along with the name and phone number of a person with whom you can communicate to discuss the action taken.

Do not subtract any disputed amount to the payment of your mortgage fee. Your mortgage administrator may reject those amounts you consider partial payments. They may return the payment or put your account in “suspended” or “pending” status until you pay the rest of the monthly payment. In any case, the administrator may charge you a late payment fee or claim that your mortgage is in default or default and initiate foreclosure proceedings.

This is a model letter to present a “qualified written claim”. Use this letter format to address your claims under the provisions of the Real Estate Settlement Procedures Act (RESPA). Before writing your letter, ask if the claim will be accepted in Spanish.


]]> 0
Money Paid without Bet and No Guarantee: Fast And Easy Thu, 07 Feb 2019 17:21:18 +0000

In our country there is an increasing demand for fast and urgent loan money without a pledge, no guarantors and no guarantors with fast and easy application. Loan granting is a two-way process that creates contractual relationships between banks or financial companies and borrowers. See for an illustration

In the course of loan repayment, it is possible to coincide with circumstances – sometimes objective reasons prevent rhythmic redemption, force majeure leads to arrears and suspension of debt. In order to reduce the risk to the creditor, in this situation, he seeks to secure his claim.

Bets provide protection for banks and financial companies in case of bankruptcy of their debtors. Bets can be set up on fixed tangible assets – machines, equipment, equipment, means of transport, account deposits, cash transferred to a wage bill or other income, receivables from third parties, dematerialized securities, other valuables, finished goods, goods in turnover, company shares, registered trademarks, industrial designs and others.

The borrower may use the pledge in its business with the care of the good owner, and the creditor is entitled to check its status.

The formation of a bet is a guarantee of a return on the due money. When you draw a credit, you are not always able to make a suitable bet. Therefore, we will offer to your attention the provision of money on a loan without a pledge of financial companies for fast loans and banks.


UniCredit Bulbank – “Fast Credit”

  • Loan without collateral, no bets .
  • Credit without transfer of salary.
  • No guarantor.
  • Currency BGN, size 500 to 10000, repayment term from 3 to 72 months.
  • Apply online, by phone or in a convenient branch of the bank, with an ID card only, get a response within 2 hours.
  • Online fast credit from banks with a fixed interest rate for the entire loan period, the amount of the interest depends on the amount of the amount and the term for repayment.
  • Fees according to the bank’s tariff.
  • There is a possibility to take out insurance with an insurer partner of the bank.

United Bulgarian Bank – Consumer loan with fixed interest rate

  • Emergency loan money without pledge and no collateral.
  • Loan without transfer of salary.
  • Loan without guarantor .
  • Amount of 500 to 20000 BGN , repayment term from 6 to 60 months.
  • Quick and easy application.
  • Fixed interest rate for the entire loan period.
  • There is no application fee, there is a credit assessment fee, and there is a prepayment fee for the loan servicing account.
  • Repayment of the loan – in equal monthly installments, you can also use UBB ATM for this purpose.
  • There is a possibility to take out “Credit protection”.

TBI Bank – Credit quick money

  • Loan without guarantors, guarantees and bets.
  • Amount of 300 to 10000 BGN, repayment term from 3 to 36 months.
  • Minimum documents and quick access to cash.
  • Apply online, by phone or in a convenient office.
  • Extinguish all known ways.


  • Without guarantors , guarantors or bets, you do not need to prove your income, you do not have to work on a contract of employment.
  • An amount of 50 to 1 300 BGN, a repayment period of 30 days, you may extend the time limit, you may withdraw an additional amount.
  • Approve up to 15 minutes and you will receive the money immediately by bank transfer or at Easy Money – Fast EASYPAY Credit .
  • Online credit terms: 19 years of age, provide the required information and meet the minimum credit requirements.
  • Every first loan is completely free – up to $ 400, return period of 5 to 30 days, return as much as you’ve taken.
  • There are no application and absorption fees, no fees and commissions for early repayment.
  • Individual conditions and special discounts for the right customers, working hours 7 days a week, holiday and holiday days.

Micro Credit – CrediHome

  • An amount of BGN 200 to BGN 3,000, repayment term from 9 to 48 weeks or from 3 to 12 months.
  • Loan only against an ID card, without requiring collateral, bets or guarantors.
  • You must be at least 18 years of age, there is no age limit, you do not need to prove income.
  • Apply through an online request, by phone and at a company office.
  • Receive cash, pay the loan to a credit consultant, an office or a bank transfer.
  • Fixed interest and equal repayments.
  • Service by a personal credit consultant.

BNP Paribas – Credit for personal purposes

  • Money on a non-pledged loan from BGN 800 to BGN 30000, repayment term from 6 to 84 months in equal repayments.
  • No pledges or pledges are required.
  • Easy online loans with fixed interest rates for the entire loan period.
  • There are no hidden fees and commissions, there is a commitment fee.
  • There is an online credit calculator to make your calculations and be aware in advance of the amounts due.
  • Ways of repayment – free of charge with CashCerminal, via an ATM, affiliated banks, cashier in EasyPay and others.
  • You can make insurance: “Protection of payments”, for unwanted events and difficult moments.
]]> 0