Loan with Pay Pouch indefinitely 3 Solutions to get it!

Image result for online loanLoan with indefinite payroll. Are you looking for a loan with a permanent contract ? Are you a salaried employee ? Do you need a loan ? With Globalfin you can get all the liquidity you need and make your dreams come true! Just fill in the form and one of our consultants will be at your disposal to provide you with all the details of the best personal loans with paychecks . If you consider it advantageous , even for the investigation of the loan practice up to ‘ disbursement .

 

Permanent payroll loans

For those interested in obtaining permanent payroll funding, the solutions are:

  • personal loan with payroll
  • employee loans
  • delegation of payment
  • loan changed

The first loan includes some requirements, including:

  • be registered , or have already made other funding
  • do not be excessively indebted
  • not having made recent requests in the last 30 days
  • to have obtained the last loan at least 12 months ago
  • not be the guarantor of other badly paid loans

For all other solutions on the list, the possibility of obtaining credit is much simpler. Are you interested in more information? Contact us now, free consultation.

Partially indeterminate payroll funding

Is a loan with an indefinite part-time contract possible?

Rosa contacted us and wrote us: “I have a part time for an indefinite term contract and are interested in funding. I asked Agos for a loan of 25,000 euros , but I was not accepted. To date, I have an active revolving card of agos , a car loan made with findomestic . I would like to make a debt consolidation , but I turn out bad paying. Do you think there is the possibility of having a loan for part-time contracts ? I could do everything even with only 20000 euros, thanks “.

We set an appointment with our agent in Rome , the city where Rosa lives and after an initial consultation we understood why he encountered difficulties in obtaining new liquidity , namely the debt consolidation financing he was looking for.

In addition to being registered with Crif for late payment, Rosa receives a part-time payroll income. The net monthly income amounts to € 834 and therefore, taking into account current commitments, it is not possible to demand such a high sum.

At this point we opted, in agreement with Rosa, with a loan with a permanent contract for the partial consolidation of the debt, going to extinguish the two revolving cards that weighed them on a monthly basis.

Rosa has a permanent contract with a horizontal part-time paycheck, that is, she works (by contract) every month of the year, but less than 8 hours a day.

In other cases, the part-time payroll is linked to a ” verticalemployment relationship, so the employee has a contract that expects to work not every month of the year (for example, those who work in schools can be hired with a employment contract from September to June).

With a part time contract, obtaining a loan is not easy, except through a guarantor .

Protested loans with paychecks

If protested it is possible to make a loan , obviously in the presence of a permanent contract, then with a pay check.

In these cases the solutions are:

  • employee loans
  • delegation of payment
  • loan changed

Contact us for more details!

Minimum paycheck for financing

The request for a loan is tied to income received in a payroll; we can identify as a minimum value € 600 net monthly. Below this threshold, it will not be easy to access the credit .

Payroll financing, in-depth analysis

Image result for in depth analysisBad payer loans with paychecks

Again you can get the desired loan easily and conveniently. In fact, if an employee hired with a permanent contract, we offer a loan by assignment of the fifth and / or delegated payment.

Can a hypothetical loan of at least € 20000 be granted to a person with permanent employment?
It is not very easy, especially if the subject in question is young. First of all, the current occupation of the person will be evaluated, how long he has worked, what income he receives, then he assesses whether personal loans have already been incurred, what amount, with what installments.

Also important is the punctuality in paying the installments, or if there have been foreclosures and / or delays in payments etc. When these methods are present, for a young person, the presence of a person as a guarantor (a parent) will still be required.

If an employee makes a request for a large loan, without ever having made other loans?

When loans have never been requested, it is difficult to obtain one. It is as if a person did not have a history as a payer, so it could be considered as not really trustworthy, so the funding body could not issue a loan with a high sum.

If an employee makes a loan request with a foreclosure situation?

The best solution is a loan by assignment of the fifth salary, as it is a guaranteed loan with the repayment of the maximum 20% of the payroll and the TFR set aside from the time of the request and in the future.

Flavio, one of our customers in Milan, wrote to us: “… are findomestic loans with paychecks ?”. The answer is yes, always through personal loan with pay check , transfer of the fifth, delegation of payment or loan.

Loans to bad payers with permanent contracts

In these cases, in the presence of reports for late payment reported in the database as Crif, there are 3 solutions:

  • assignment of the fifth (for employees and pensioners)
  • delegation of payment (for employees)
  • loan changed (only for employees of private companies)

Applications to control your expenses: a necessary help

Are you one of those who arrive at the end of the month asking you where most of the budget has gone, and no matter how much you think, you do not get to know it? Do not worry, it happens to a lot of people. This happens mostly to those who use the card to pay everywhere.

It usually happens that we are making our lives, without thinking too much about the small expenses of the day to day, the receipts are going by and we are buying things and we do not realize the immense expense that we have done until the time comes to do accounts in order of a month.

That’s why, since a few years ago, there are Apps to control our expenses. A great help for all those who have a hard time remembering what they have bought and when.

The best Apps to control expenses

Apps to save Find out which is the hole where you escape the euros is the task of these Apps of control of expenses. We assure you that they do it very well since they will help you to reduce the expenses that you do not need, making you have more money for what is necessary. Then you can discover all the secrets of the best expense control applications.

Fintonic
Perhaps the best known and most used, since it is even advertised on television.
Fintonic will help you to control your expenses, to know how much you enter and in what and how much you spend your money. You will not miss anything since the interface is super intuitive so you do not miss out on detail.

When installing the App, you will only have to enter your bank accounts, being able to choose between many entities and configure what information you want to show and notify you.

In addition, one of the advantages that this App of control of expenses offers you is that it informs you of if there is a duplicated charge, discoveries or commissions. In addition, you will group your expenses into categories, so you can know at all times what you spend more.

It also works as a financial optimizer, because after analyzing your FinScore (which is neither more nor less than the note that you have as a good customer facing financial institutions) will recommend ways to improve it in order to have better conditions at the time of contract a financial product.

Arbor
Arbor is a mix of application to control your expenses and application to save. Why do we say this? Because apart from showing you all the movements of your accounts, Arbor allows you to set saving rules. You only have to register and add both an account of origin (in this case, the one that you receive the payroll or other income) and a destination account, where you want to be transferred what you save. These savings rules are:

  1. Rounding: this option rounds your purchases that you make to the next euro. For example, when you spend € 2.30 on a breakfast, these € 0.70 are sent to the savings account. If it’s € 3, Arbor will transfer € 1 to your other account.
  2. Temporary Challenge: you must choose the number of weeks you want for the challenge (12, 24 or 52), after this, Arbor will transfer 1 euro the first week, 2 euros the second, 3 euros the third … If you choose the 52-week challenge, you will save € 1378 after one year.
  3. Periodic transfer: choose the amount you want to be transferred to your savings account, both monthly and weekly. For example, you can choose to be transferred 100 euros every Tuesday.

Undoubtedly this is one of the most interesting expense control applications since it allows you to use saving methods that will increase the amount of money in your account without realizing it.

Wally

 App of control of expenses very similar to the others, but that includes functionalities as interesting as the location of the establishments where you have paid, whether products or services. Never again will you forget where you have spent your money.

With its intuitive interface, you can have at your fingertips all the movements made with your accounts, in detail. 

Monefy

Not everyone likes to link their bank account to an App. It is totally understandable, and that is why there are alternatives such as Monefy, an expense control App that instead of automatically updating with your bank account, you will have to do it yourself manually, adding those expenses and income you have. After this, the application will show you as much data as the other alternatives in which you do have to link your bank accounts.

Mint

An expense control application that has been with us for several years. Used by millions of users, Mint is a reference when it comes to making inquiries about your movements and knowing why you are not saving or why you are saving less than stipulated.

In addition, Mint automatically catalogs your expenses and shows them in very intuitive graphics so you do not miss any kind of detail about your economy.

Another advantage offered is the reminder of payments, so they do not catch you off guard and you stay with an overdraft in the account.

 As you can see, there are many options that will allow you to know exactly what you spend the money, perfect options to know that you should NOT spend that money if what you want is to save a considerable amount each month. Still, tell you that there are other alternatives like car loans- Visit www.TexasTitleLoan.net.

Go ahead and control your expenses and you will be surprised!