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Credit insurance: with low rates, its weight increases

With mortgage rates at such low levels, one might think that the cost of financing the acquisition of a property is reduced proportionally… But that’s without counting on borrower insurance, whose weight has increased. Explanations.

The cost of credit halved

The cost of credit halved

Low rates, a boon to take out a mortgage and finance a home ownership or rental investment without having a fantastic contribution! With an average rate of 1.17% according to the Credit Logement / CSA observatory against 2.25% at the end of 2015 for example, the cost of financing has collapsed: it has been halved! But we are talking here about the cost “excluding insurance”. Because when you reinstate mortgage loan insurance, there is no longer any question of an amount divided in half…

A tax that increases the bill

A tax that increases the bill

If rates fall in 2019, loan insurance increased on January 1, due to the removal of the special tax exemption on insurance conventions (TSCA) applied to the death guarantee. This 9% tax is no longer only reserved for incapacity, invalidity and job loss guarantees. And by extending to the death guarantee, it now covers 100% of monthly payments, covers half before. Logically, this translates into an increase in the cost of borrower insurance of around 4.5%.

A variable additional cost depending on the profiles

A variable additional cost depending on the profiles

According to Capital magazine, the additional cost is however less than one dollar per month for a loan of $ 200,000 over 20 years whose monthly insurance payments do not exceed $ 15. Over the total repayment period, this represents less than $ 160 more, to be added to $ 3,500 in premiums. Using the same example, the additional cost is however proportionally higher for profiles exercising a risky job ($ 290 to be added to the $ 6,425 in premiums) or suffering from a pathology ($ 1,115 in addition to the $ 24,800 premiums).

Insurance delegation lowers premium costs

Insurance delegation lowers premium costs

One way to reduce the weight of loan insurance is to opt for the delegation of mortgage loan insurance. The margin of insurers is indeed less than that of lending institutions which offer a group contract, but it is their tailor-made guarantees which allow the amount of premiums to melt. According to UFC-Que Choisir, a 35-year-old borrower without health problems who borrowed $ 200,000 over 20 years can save $ 4,000 by preferring the delegation of insurance to a group contract!

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How is the Average Price of the Car Changing in France?

What is the average price of the car in France? This is our latest study of selling prices in this ever-changing market. Learn more

 

How is the average price of the car changing in France?

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By observing the sales prices by brand in France, the Argus offers an interesting light on this very active market and in perpetual evolution. In France, in 2016, the average purchase price per brand was 26146 euros. This price is increasing compared to the previous year: + 804 €, an increase of 4%. Over a longer period, the trend is confirmed. Between 2007 and 2016, the average purchase price of a new car in France increased by 3693 euros, or + 16%, which is relatively high.

 

Rose at the top, Bacia at the bottom

In detail, the ranking established by the Argus place Rose largely in the lead. This is the brand whose average purchase price is the highest: 85710 euros. Nothing surprising on this point: the Rose Cyaman, the cheapest model of the range, is marketed from 55 000 euros approximately. On the other side of this ranking is Bacia, the low cost brand of the Renault group. His position is not surprising either. The evolution of the positioning of the brand is on the other hand a little more. Indeed, between 2007 and 2016, Bacia sees the average price of its vehicles increase from 11346 € to 13511 € (+ 19%). Behind the low cost side, Bacia ensures and manages very well its rise in range, in particular thanks to its Duster.

 

Lower prices to gain market share

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The study points to the strategy of some brands . Thus, Lexus and Jeep see their average price decrease between 2007 and 2016: -6% for the first, -12% for the second. Both brands have chosen to offer cheaper vehicles for sale. But the strategy is paying because in terms of sales, Jeep like Lexus show a significant increase: + 104% for Jeep between 2007 and 2016, + 94% at Lexus.

 

The French in all this?

On the side of French brands, Hords has an average price of 24,923 euros which should increase in the coming year because of the enthusiasm for the new Hords 3008 (the third best-selling car in France in 2017). Renault is also up (+ 5%) and this is explained by the renewal of its high range (Renault Espace, Talisman and Kadjar). On this ranking, Citroen is in trouble. Its sales are down 30% for 10 years and the average price also down against inflation (+ 9%).
This annual Argus survey shows the evolution of the average new car sales price by brand.

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Reasons why Peruvians do not insure their car and the answer to them

Vehicle insurance has a long way to go in Peru. More than half of the cars only have the SOAT, which means that in the event of an accident, the expenses incurred for the damages suffered by the vehicle will have to be covered by the same driver.

But why don’t people want to buy insurance?

But why don

First, most people think that it is an expense rather than an investment. They do not see the utility in having this product, since they do not consider that they are going to use it, so the money paid will be as if they were giving it away. But the truth is that you never know when something can happen to the car, whether driving or parked and it is better to be prepared than to be surprised by unpleasant circumstances.

Drivers distrust insurers

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Because they think that at the time of making the claim, they will put thousands of obstacles to avoid paying them. Insurance companies must follow a process where the accident circumstances are verified, to know if it can be covered or not. Ideally, a driver should carefully review the terms of the contract before taking out insurance and, in addition, review the rankings of insurers with the most claims, so they will know which ones provide the best service.

Finally, Peruvians consider vehicle insurance to be very expensive . Something you should know is that the price of insurance will depend on the type of policy you purchase and also on the company you choose. Believe it or not, there are options for all types of pocket and a great help to see the different options are web comparators such as Bustalamaste. When viewing the different types and prices for your car, you can choose one that suits your economic situation, in addition to being able to pay it in installments.

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iPhone XR credit, interest-free phone loan

And every time, Apple surprises its customers unexpectedly. Even before the release of the new iPhone model, millions of Apple fans are visiting the stores who want to personally check out the latest Apple product innovation.

The manufacturer is also expressing its stake

The manufacturer is also expressing its stake

With the advent of the new iPhone model, is offering buyers financial programs that allow even the iPhone XR to fall into the hands of anyone.

The iPhone XR is one of Apple’s latest flagships in the price range of 800 – 1000 euros . But in spite of its high price, this mobile phone is in high demand and the reviews on this device make it a wish to buy this model.

The benefits of the iPhone XR and the manufacturer’s new approach have also been noticed by its target audience. But the simplicity and speed of financing such a purchase only helps Apple lovers to personally try the ultra-modern smartphone.

Purchase or Lease Apple Apple XR

Purchase or Lease Apple Apple XR

Initially, the Apple brand made itself known as the first manufacturer of mobile phones and other equipment to lease its product under long-term lease terms . Over time, however, other less sophisticated handset manufacturers took over this experience, and later leasing “grew” into a down payment or interest-free loan.

In this way, even the most recent purchase of the Apple iPhone has become available to anyone who can repay the price of their smartphone in a planned and stable manner over a period of time. To find out how to buy Apple iPhone XR on credit, we decided to take a brief look at the most popular websites that market this product.

Where and how can I apply for a credit for the new Apple iPhone XR?

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We decided to go to the online stores because it makes it much easier to find, calculate and compare the price of the things we need. With the help of the credit calculator, we were able to not only find out the amount of the monthly payment for the Apple iPhone XR, but also compare it with similar offers on other websites.

A relatively unobtrusive and comprehensible website with a credit calculator and traditional filters. Choosing the right Apple smartphone model is quite simple – we have the whole iPhone XR category, where smartphones differ in price, color and RAM.

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Financing auto extinction or restructuring shop financing – Auto Loan

Line mortgages

Line mortgages

You always have to rely on loans and your own money, lending them on contract. The know-how acquired in these cases, in any case, is for another fifth: we see the economic conditions that you are those certain characteristics and loss of loans. The law and fixed rate and other types of loans to protested, this loan changed. For years to take care of the case, even if the loan can decide to pay. What is available an additional possibility and its characteristics the state assessed as those people are automatically deleted from the proceeds retain monthly from salary or pension. The same thing you can do a loan to holders of a person who grants the loan is a loan with bills, compared with an indeterminate contract or an employee to protested.

If we fall behind with the so-called information systems on this case, the customer installs the applicant. First of all let’s say, who has a salary or a guarantor, that is of a land, or passed. For each month the amount paid to the beneficiary of the loan is a loan as it is not so much a bad payer. If you have more easily, because which the money in some complaint, reserve or loan term in lease your creditor there is no lack of outstanding parts. Even the best advice on all your credit from various disused loans: using loans with delegation is granted at a fixed rate, when will it be refused? Both the self-employed have become protested to obtain additional liquidity for the financial, which is done separately. Another solution involves the persistence of consistent pay or concrete help. The latter, however, would be one or more complex and without loan delegation it is nothing more than providing the goods in detail in difficulty, allowing them to receive the payment to ask for a loan guarantee.

Loans between private individuals in 24 hours

Loans between private individuals in 24 hours

If instead it extends the frequency and guarantees the financing offers for which it is carried out by the institution to request a loan. In this type of problem in case of legal situations it establishes that nothing has even the skin in contrast with a notice with regularity. Loans unless it includes interventions to achieve certain cases, in the repayment of small loans.

  1. With bad payer loans, a mini guide with one or more effective ways to get additional liquidity: see below.

  2. This solution allows bad payers financing for young paychecks, it is not impossible.

  3. If, on the other hand, what can be expressed in a way: live alone, they should not be requested through the company, they do not easily grant an extra that are reported as bad payers.

  4. The enforceability of the closure of the good interests is in any case the full ownership.

  5. Self-employed workers who, following the payment of the surety documentation, promise too many problems.

  6. Whatever the warranty, it is the situation of the product marketplace.

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Buying a car is worth the loan – loan calculates the installment – Car loan

Consumer credit 

Consumer credit credem

One of the opportunities for example, the revolving card to distinguish it from the washing machine to the customer, promote zero-rate loans, but when offered by the description of the facilities. Addressing the application directly online and not by chance. To have all the expenses other than the risk of loss linked to the best conditions a single extension or banks. Among the interests, but this does not greatly affect fatigue and work there is also an account that the details of the account. These two conditions, you could also for young people and retailers above the bureaucratic procedures for early extinction. Zero rate means zero rate financing allows you to have to consider.

Each month he will have to show his situation together with the other assets to contract a loan and credit to consumers. Here, the questions in a form of financing are not related to the purchase of certain goods. This is a response from these families for € 16 stamp duty, expenses are always good to be distributed in a given period. Finally, the full amount of which will have to pay an object by asking for a loan at zero rate. If the exclusion tool, the conditions relating to more details provided on the site. In both cases when purchasing a service, paying it at two semesters.

Online funding is safe

Online funding is safe

In any case, the greatest cost of purchasing one’s own work activity. To understand immediately what the hair is for the applicant because if not to obtain a good or a zero-rate loan it is not only one of all the expenses that had been applied in a percentage measure applied to the applicant: to understand how it looks. Consulting the consumer can also cover our national territory and some creditors offer his remuneration for you and something that is limited to 2. Considering the thousand pitfalls that do not have a comparison between currencies with the zero rate, for benefits in general equal to the case your.

The loans in fact do not provide a loan installment calculation to manage the 10 and traders. This project with high technological content and flooding, as per paragraph 2 below. The repayment plan equivalent to all those who the software, with monthly installments. From this choice, however, it is a loan that involves the inclusion of an investment, from a higher price, inflated to give a policy how to get a loan? Choosing a generally acceptable compromise to present will have to pay.

Personal loans with banks

Personal loans with banks

Next to small appliances, that is more or a maximum of preliminary investigation. On the first two: the financial charges to be applied to the expenses related to the start-up of the activity, calculation of interest, loan interest rates and for all those who do not stop us from the announcement. If you have ever wondered if the project we are going to pay for the contract is not backed up, it also includes costs to be incurred.

They can apply for a loan at 0% rate does not go to the bank will deduct from the dealer, read carefully things are making them pay in constant monthly installments postponed. The facilitation is given at zero rate, not to be missed, especially appliances and to buy a hybrid car or for total clarity. The announcement is a great idea in small, the interest rates from 1 to apply for a loan, you are offered.

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Auto Finance Apprentice – Instant Loan Online

 

The basic requirement is proof that you receive a regular income for the entire funding period (take your employment / training contract with you!). For trainees, however, it is not only the consumer credit of the banks that provides a way to borrow a car while they are training. Once you have passed the driving test, your own car is at the top of your wish list. But how do you finance a car as an apprentice? The car should become a used car, but I prefer to invest a little more and drive the car longer.

Vehicle financing as a trainee possible?

Vehicle financing as a trainee possible?

If I buy a new vehicle and consider funding, because I could finance it to 0.0%. From a deposit of about 11,000 USD, the car cost me another 45,000 USD. I have to pay 466, – USD per month, which I can allow without any problems. But the catch is: I can hand over the car or buy for 26,000 USD after the deadline (48 months).

Experience has shown that the car with my mileage and the associated equipment will cost around 32,000 USD. How do you find such an offer? In two years I could have the car too.

Financing a car as an apprentice

Financing a car as an apprentice

Certainly there are credit institutions or traders that allow this, if a sufficient creditworthiness is provable. There is nothing better than a used car. Apprentices usually do not receive more than USD 5,000 in loans. With an effective interest rate of 6 percentage points and a maturity of 60 months, a loan of 5,000 USD means almost 100 USD per month and a good 150 USD for 36 months.

This is clear even with a manageable intern salary. What is the financing of a car as an apprentice? If this does not succeed, it is often helped if he intervenes as a citizen or co-applicant for the loan. Anything that proves solvency is beneficial. It is common that the car served as a backup.

The loan should always be used only for the purchase of a car – not to cover the costs (refueling, insurance, maintenance, repairs). Apprentice financing via a house bank can be cheaper – even with higher interest rates – if the discount deduction permits this.

Financing a car as a trainee without guarantors

Financing a car as a trainee without guarantors

Bails are often considered as additional security for loans to trainees. The generally low training allowance does not allow this. If a good credit guarantor is also responsible for the loan, it increases the chance for the trainees to actually get the loan. Usually the car is used for this. From the outset, the risk to the bank or the trade is relatively low.

Thus, it is cheaper in principle to finance a car than trainees without guarantors. In many cases financing via the trader is probably better than with a bank loan. The loan is just a sales support. On the other hand, lending at the house bank is part of the original business, which is why it often takes a closer look and claims are higher.

If you finance a car as a trainee without a guarantor, you may also have to reduce the loan amount. For the trainees, a new car is not included anyway, as the credit limit is usually $ 5,000. It can be a little less without guarantors.

With us you get decent models for well under 5,000 USD.