ACS student loans

                               ACS student loans 

                                credit : http://acsstudentloans.org

How do get a personal loan or credit?

You have to do personal loan with serious financial institutions and credible, flee from third parties or independent intermediaries

In others, they want to make a personal loan  to invest in a new project or an entrepreneurial business, buy a house, a car. "Making loan", personal loans or funding may be valid and a great deal if you take some precautions searching administrative fees and interest rates charged by "banks and financial", make sure the installments are fixed and if there is adjustment which applied index not to have surprises.

Always try to make loans to financial institutions serious and credible, flee from third parties or independent intermediaries.

How to get a loan

I want to make a personal loan, and now what do I do? It may seem difficult to obtain credit, but to be able to make the loan  desired, in many cases just talk to your bank manager and check the possibility of the realization of the credit.

If possible, it will assess the amount to be made ​​available, which the interest that will be applied depending on your customer profile and how many installments the loan will be paid. If in your case you already have "pre-approved credit", make a loan simulation by internet  or phone to find out if it's worth making the loan at that time.

To get a loan is actually quite simple, you can find various kinds:

Making payroll loan

The mode serves the retired, pensioners and civil servants and private companies ... Personal Loans: Meets self-employed, professionals, employees, taxi drivers, retired INSS and private ... Financing: generally used to purchase vehicles, durable goods, home ...

Whatever reason forum for you to get a loan , keep in mind that the need to speak louder than the desire, and the loan will fit right into your budget.

 

Get personal loan without salary or income, how is it possible?

When the contractor does not prove income, working not registered, what to do? There are other fomas of loans without income?

 

Get personal loan without salary or income proven, contrary to what many think does not have any complication, though in Brazil to take up a loan necessarily the candidate has to prove income or be working on private or public company.

We all know that for a banking and financial institution to make a concession to get personal loan , the main feature of the operation is the provision of guarantees that the contractor can give. Currently the most common situation is with the bill-pay, in many banks it is a bargaining chip for benefits in financial services and products.

Normally the requested loan is released after a series of bank or financial investigations as to whether future payments have some risk of being neglected by the contractor. The monthly salary, income, your banking, the annual income tax are evidence that the applicant has the financial capacity and able to afford the payment of the installments generated by the loan .

But Carla, and when the contractor does not prove income, working not registered, what to do? Certainly there are many other ways to get loan in that condition. At first, for "personal loan without payroll", the applicant must provide additional guarantees as:

1 -) Presenting Surety or Guarantor - A friend or family member signs the contract as guarantor and responsible for the loan risks, surety or guarantor must provide all guarantees required by the bank in its place;

2 -) Be homeowner - The contractor needs to be with the settled property at no cost, therefore, the property will serve at risk of collateral for the loan;

3 -) Being Vehicle owner - Just as the property, the contractor must have the vehicle in its own name and without transfer restrictions, ie it is fully repaid;

4 -) Pledge Jewellery and valuables - Attachment A is a "type of personal loan" facilitated and no paperwork to get the loan, the contractor must provide as collateral: jewelry, precious metals, utensils and non-perishable objects value.You need proof of ownership of the asset or invoice;

5 -) Loan to Card - People who do not work also have credit card, my aunt have a limit with card almost R $ 11 million and does not work or proving income, of course her card not taken now, you have a time. The loan limit of this card is scary, mode of interest rates as well.

If you fall in the situation we are talking about is college student, housewife or mainly Autonomous worker who do not have formal employment contracts and many others, there is the tips of how to get personal loan without salary or income . Leave your comment is other ways to obtain.

ACS Student Loans

               ACS Student Loans Review

ACS student loans is a type of independent servicer, which provides loans to the students to assist on their financial burdens to avoid containing their selves on the hole of having financial debts.

How to get a loan from BNDES for my company?

 

There are many possibilities and variables that influence differently in the answer to this question. Criteria such as the size of the business, the disposable income and the type of credit you want to achieve are factors that diversify the process

Get credit to expand business is a common desire to many entrepreneurs and the BNDES - National Bank for Economic and Social Development - can be a good alternative. It is a federal public institution that works just as long-term financing instrument for investments in various economic sectors.

In order to encourage business in Brazil, the bank invests in the creation and expansion of companies in the country. What to do then to get there a loan for your business? There are many possibilities and variables that influence differently in the answer to this question. Criteria such as the size of the business, the disposable income and the type of credit you want to achieve are factors that diversify the process.

There are several programs to businesses at different stages. Visit the BNDES site can be the first step for options available. On the "Programs and Funds" the site lists all the ways to get support, according to the line, income, objective and enterprise sector.

The entrepreneur can also look for lines of credit according to each area of the institution (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Areas_de_Atuacao/index.html ), aligning with its own. The main ones are: Agriculture, Commerce, Services and Tourism, Culture, Social and Urban Development, Export and International Insertion, Industry, Infrastructure, Innovation, Environment and Capital Markets.

To facilitate the process for the entrepreneur, the site offers a tool called More BNDES (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Orientador/index.html) . In this area, the applicant provides data on its location, whether it is individual, business or part of the public administration etc. It's like a questionnaire that ultimately determines which type of loan best fits with the reality of who is trying to get the loan. Through this guidance document, which is divided into profile, sector of activity, purpose and support result, you can get an idea of what kind of loan should be the goal of the entrepreneur.

How about participating in 12 online workshops per year? 
Become a Premium Administrator

Guidance

In addition to these facilities, the BNDES held lectures in several Brazilian cities, within the "BNDES Closer to You" initiative. These meetings provide opportunities for interaction between the bank representative and entrepreneurs interested in receiving investment, facilitating clarification and to resolve any doubts that may exist with respect to the process. The calendar with the dates of the seminars and lectures of this initiative can be found on the website (http://www.bndes.gov.br/SiteBNDES/bndes/bndes_pt/Institucional/Agenda_de_Eventos/index.html ).

In addition, the BNDES advises that any entrepreneur interested in getting a loan seek the bank or a representative of the institution in your city. This representative will be able to analyze the situation from their expertise, advising the entrepreneur the best way.

credit:

http://acsstudentloans.org/

 

GUIDANCE TO CREDIT Guarantees

GUIDANCE TO CREDIT Guarantees 

Collateral is an asset, a negotiable instrument, a contract, a bond or a guarantee that the bank requires to design a credit with less risk.

Real and personal guarantees

Every Financial Institution, aiming run less risk, prompts some (s) guarantee (s) to grant credit.The guarantees required by most financial institutions are divided into two major groups: real and personal guarantees.

• Collateral: Those in which the fulfillment of a certain obligation is secured by means of movable property. The modalities of guarantees are the Pledge, the Mortgage and the antichresis
• Guarantees personal guarantees: Are those given by people and not for goods. In the case of non-compliance with certain obligations, to satisfy the debt will be guaranteed by a third person other than the debtor. The arrangements for personal guarantees are the Aval and Bail.

Sureties funds

FAMPE

Its purpose complement the guarantees required by financial institutions, leaving the entrepreneur to present only guarantees for the portion of the financing not covered by FAMPE.

• Limit: up to 80% of the financed amount, limited to R $ 130,000.00 (Fixed Investment and Fixed Investment in Associated Working Capital), R $ 60,000.00 (Pure working capital) and R $ 300,000.00 (Export Phase Pre-Shipment).
• Destinations: New Deployment Projects, Fixed Investment Fixed Investment Associate with working capital, Pure working capital and production and marketing of goods for the external market.
• Aval of Concession Fee (TCA): 0.1% x no. x amount of months of warranty.
• Convening Financial institutions in Rio Grande do Sul: the Bank of Brazil, Caixa Economica Federal, Box / RS and BRDE.

FGO - Guarantee Fund Operations

It aims to ensure the micro operations, small and medium-sized corporate borrowers working capital loans and investment.

• Limit: up to 80% of the financed amount, limited to R $ 500,000.00 (Fixed Investment and Fixed Investment in Associated Working Capital) and R $ 150,000.00 (Pure working capital).
• Destinations: Fixed Investment Fixed Investment Associate with working capital and Pure working capital.
• Guarantee Concession Commission (GCC): 0.2% x no. months x value Assurance
• Fund operated only by the Bank of Brazil .

Credit guarantors

Garantiserra

The Garantiserra is the pioneer project in the country of Credit Guarantor Society, which aims to ensure the credit operations of micro and small enterprises through the Guarantee Letters of release, enabling these companies will get better rates and terms in operations credit held with the partner banks.

• Practice Areas: Region of Serra Gaucha
• Limit: ensures up to 80% of the operation
• Secured loans: Fixed Investment Fixed Investment Associate with working capital and Pure working capital.
• Financial institutions Conveniadas: Bank of Brazil, BRDE, Box / RS, Sicredi and NBC Bank.
• Contact: Ricardo Cavinato (54) 3021.0400

GUIDANCE TO CREDIT

GUIDANCE TO CREDIT 

Step by step to get credit

1. Identify the Need for Credit

Having clear what amount of funding and what is the purpose of the intended use (machinery, equipment, purchase raw materials, increased physical structure, etc.).

2. Information Search and Select Financial Institution

Seek information on the financing lines that best fit the credit needs identified in Step 1 and which financial institutions operate with such lines. Do not forget: The conditions (cost, time, limits, etc.) can vary greatly from bank to bank.

3. Analyze the Restriction Factors

It is crucial to be with all restriction factors (legal situation, guarantees, equity, etc.) appropriate to the needs of financial institutions.

4. Develop the Business Plan

You will need to show the bank that this project is financially viable. The best tool for doing this is the Business Plan. Do not forget: Some financial institutions request that the project feasibility study is carried out with a tool of the institution.

5. Make the Request for Funding

You must go to the financial institution and submit to the Corporate Manager required documentation *, the required guarantees and the business plan, showing the feasibility of the project. After these procedures the financial institution will review the project and returns confirming the release or restriction on funding.

TIPS

• Prioritize finance machinery and equipment, preserving own resources for working capital. On the lines of financing for fixed investment limits are higher, costs are lower, the payment terms are longer and guarantees are facilitated.
• A good relationship history with the financial institution influences positively. Look to contact the bank where you are already a customer and assess the conditions offered. Of course, be sure to investigate other options.
• The bank wants to run the least possible risk. Therefore, it is essential prepare a study with market analysis, product, operations and finance, showing the feasibility of the project and its ability to pay.