Cheap loans for public service employees – Financial Planners

Those who were able to get a job in the public service through their profession can feel lucky in many ways. Not only that he can look back on a solid income in such a position. The job is also almost non-cancellable and has the advantage that you are a very welcome customer at banks. Public sector employees are at the forefront, especially when it comes to granting loans. The banks literally fight for them and offer them very low interest rates at top conditions.

Find cheap loans for civil servants

Find cheap loans for civil servants

Every bank and every savings bank has cheap loans for public servants. They are called civil servant loans and are associated with very low interest rates. There are several reasons why the banks here are so accommodating and generous. Public service jobs are considered crisis-proof.

If, despite all of this, restructuring or deletion means that an employee is no longer needed at his or her usual workplace, he will be transferred and dealt with another task. For this reason, redundancies are very rare. In contrast to the private sector. If there are financial bottlenecks, the workforce will be reduced, as this is the quickest way to achieve financial relief.

In addition, employees in the public sector usually always pay their loans back on time and reliably. Debt is a flaw here. And nobody wants that. This is good for the banks because they can rely on the fact that they will get their loan repaid.

The best way to find cheap loans for public sector employees is to use a comparison.

The best way to find cheap loans for public sector employees is to use a comparison.

The offers are so diverse that you shouldn’t just go to a bank if you are lucky, but should first compare everything in peace. There are comparison calculators for this on the Internet, which can determine suitable credit partners with just a few details. All you have to do is specify the loan amount, the term and the fact that you work in the public service.

All data can be anonymized so that you can inform yourself without having to enter your name, address and exact income. Once you have decided on an offer, you can either contact the provider directly or use the comparison calculator’s contact form. This usually links to the provider and thus represents the first contact.

Inexpensive loans for employees in the public sector can therefore be found very easily and without great effort. They are cheap and available in every conceivable loan amount.


Avail loan despite Credit Bureau and low income.

Wondering how to find a loan despite Credit Bureau’s low income? The contribution provides a summary of the credit options that are possible with low income – despite Credit Bureau entry.

Credit despite Credit Bureau and low income – income measure

Credit despite Credit Bureau and low income - income measure

Finding that personal income is too low is not a question of income level. Subjectively, everyone has made this statement for themselves. Even the Chancellor’s income has been described by a former finance minister as too low. Subjective definitions do not help with the definition. Objective standards must be applied. The attachment table is such an objective yardstick. The table is regularly adapted to the increased cost of living.

In order for the loan to be possible with a low income despite Credit Bureau, the individual garnishment-free limit on income must be significantly exceeded. For a single person without maintenance obligations, the current limit value of the attachment is 1,050 USD net work income. Child benefit or parental benefit, as well as all other social benefits provided by the state, do not count towards the garnishment-free income. Accordingly, they cannot be included in a loan, too.

If the Credit Bureau is clean and the household bill is positive, a small amount above the allowance is enough to be creditworthy. With a bad Credit Bureau this trust advance is not to be expected. Realistically, a loan from a special bank is possible at the earliest from a net working income of 1,130 USD.

The sum applies to a single person without any maintenance obligations. The sum increases for a married person without children or a single mother / father with one child. Around 1,550 USD are then required to prove creditworthiness. Below these income limits, despite Credit Bureau with low income, a loan from a credit bank is only possible with guarantors.

Low income credit opportunities

Low income credit opportunities

A loan despite Credit Bureau usually comes from within Germany. Loan offers from Germany almost always make it possible to build a credit bridge through a solvent guarantor. The guarantor or co-applicant enters into credit liability and ensures that the credit request can be approved with his good credit rating. With the frequently advertised Swiss loan offers, there is no credit opportunity with low wages.

Although a look at advertising seems to indicate a large number of foreign loan offers, the selection is very small. As far as is known, all legal loan offers without Credit Bureau only refer to a single loan provider. It is Litebank from Liechtenstein. A loan with a guarantor or co-applicant is not intended for this loan offer. Only income from work is used to secure credit. The loan is not granted if the employee earns an income that just barely exceeds the garnishment limit.

Private lenders – loan without the bank

Private lenders - loan without the bank

One loan option that has become firmly established in recent years is the loan from private donors. It is mostly small investors who try to compensate for the savings in purchasing power for their savings through private loans. Despite Credit Bureau, a loan can be approved by private individuals without having to impose clear income limits.

Private investors are not bound by complicated regulations. They make their credit decision based on “gut feeling”. Anyone who can win investors’ trust also has a fair credit opportunity despite Credit Bureau.

The loan is known from private to private, particularly by the two market leaders Spin Lender and Across Lender. Despite the basic possibility of applying for a bad Credit Bureau loan, there are limits. The score must not be worse than H so that the loan request can be published at Spin Lender. Across Lender is not so clear about the rules. But Across Lender points out that a medium score is the minimum requirement for a credit opportunity.

It is also important, in order to achieve the best possible credit opportunities, a good presentation of the loan request. For one thing, the credit request should be free of misspellings. It is no less important to clearly demonstrate repayment ability. If you only have a low monthly income, you will of course pay special attention to this proof.

Nobody can reliably predict whether a loan will actually be granted by private despite Credit Bureau with low income. If investors gain confidence, things can happen very quickly. If the ability to repay the funds appears to be in doubt, it may take several weeks to get the approval or a loan refusal may result.

The only thing that is certain is that trying to get a loan from Credit Bureau with low income from a private person costs nothing. The portals only charge fees if the loan is approved.


Loan with negative Credit Bureau entry.

A loan with a negative Credit Bureau entry is not an everyday loan request. Without Credit Bureau or with bad Credit Bureau, loans are granted, but there are risks associated with this loan search. The article reveals more about the credit options and possible pitfalls.

Credit with a negative Credit Bureau entry – opportunities

Credit with a negative Credit Bureau entry - opportunities

The options available for a loan with a negative Credit Bureau entry depend on the type of entry. A completed Credit Bureau entry opens up the possibility of using a loan from private donors. In order to gain access to all major portals, the Credit Bureau scoring value must be at least H. Under these conditions, when using one of the large established portals, there is no risk of fraud. The use of the platforms is free of charge. Of course, a loan with bad credit is a little more expensive, but this can always be expected with a limited credit rating.

A second option would be to ask a loan broker for help. Without Credit Bureau, it seems that every credit request can be fulfilled with a view to advertising. The loan is promoted without Credit Bureau despite low income, without advance payment and of course at incredibly low interest rates. The better the offer sounds, the greater the caution should be. Often there is a long ordeal behind a loan request for a loan without Credit Bureau. Stoking up hope for a loan is the scam that people still fall for.

Recognize and sort out dubious loan offers

Recognize and sort out dubious loan offers

At first glance, nobody can tell whether a reputable company is behind a credit advertisement or not. The chaff separates from the wheat only in the course of the application process. The oldest trick is to agree to pay a fee in the small print of the agency contract, regardless of the actual lending. Such an agency contract is dubious and belongs in the trash. Alternatively, the documents can be sent cash on delivery.

Another trick is the callback request on a service number. There is guaranteed no credit, just a high telephone bill. Be careful, even if Telecom gives in, the claim remains and increases the debt. Advertising for loans is also often done by insurance intermediaries. The loan approval is imminent. Only the wealth-generating benefits still have to flow into insurance or a fund. Closed-end real estate funds are particularly popular for this. The agent receives a high commission, the money deposited is often fixed for decades. There is only one loan.

A reputable credit broker for the loan with a negative Credit Bureau entry secures his credit brokerage commission if the brokerage is successful. However, it does not offer credit cards or insurance.

Bad Credit Bureau loan – co-applicant

Bad Credit Bureau loan - co-applicant

A loan without a Credit Bureau or with a bad Credit Bureau is usually only secured through the debtor’s income. If the application is rejected, it could of course be approved by a solvent co-applicant. In fact, the co-applicant is solely liable. In this case, it would be lower-interest, the solvent co-applicant alone applies for a loan from the loan comparison.

Instead of paying almost 12 percent interest on the loan with a negative Credit Bureau entry, 2.89 percent effective interest would be possible.


Benefits of Credit Cards for Monthly Shopping Transactions

The use of credit cards as a substitute for cash is now very common. Some of the conveniences offered by credit cards in shopping make their use increasingly increasing. Although they know the risks of using a credit card that can lead to large bills if it is not wise in its use.

But somehow, the demand for this credit card is unrelenting. Credit cards do look amazing, especially for those who are passionate about shopping. How not, with a credit card, a person can get various benefits such as promotional prices and attractive discounts for shopping, dining, and other entertainment.

With this discount and promo price, of course, someone will be happier and can make their monthly budget more efficient, because having a credit card that works with a particular supermarket will make you have its own advantages. Then what are the other benefits that you can get from monthly spending using this credit card? Following the review.

Get a Special Promo

Get a Special Promo

The first advantage of spending monthly using a credit card is to get special promos. Getting a promo price will indeed feel very pleasant. With the promo price, we will get a cheaper price than the usual price. For men, the promo price may not be too much, but for women who love to shop, the promo price is valuable and very profitable.

Credit card providers often cooperate with several shops or shopping places to provide attractive prices for credit cardholders. The goal is clear so that credit card owners can be very spoiled with very economical and profitable shopping. For example, Fine Bank Bank is one of the credit card issuing banks that have cooperated with supermarkets. Through the Bank Fine Bank credit card labeled Carrefour Fine Bank Card, users are entitled to get special promos given every transaction at all Carrefour stores.

Some other benefits of Carrefour Fine Bank Card are unlimited deals or savings with year-round discounts when shopping at Carrefour retail. Bank Fine Bank credit cards provide a 5% discount for purchases of Carrefour private label products, 1.5% Cashback for all transactions at the Carrefour store, and special offers every week at Carrefour outlets. For those of you who already have a Fine Bank Bank credit card, of course, you already feel the benefits of monthly spending by using a credit card.

0% Installment Program


The 0% installment program offer is the next benefit of monthly spending using a credit card. When you want to shop monthly, usually you might be then also interested in buying electronic furniture and home appliances. Because when you shop at the supermarket, the needs purchased are not just limited to food products. Of course, you also need electronic furniture that needs such as TVs, washing machines, telephones, and others.

With a 0% installment and a certain discount, you will be able to save more than your initial budget.

Easier and Practical

Easier and Practical

As the purpose was first created, a credit card is a tool used to facilitate someone in making transactions. With a credit card, you don’t need to bother carrying cash that is very troublesome and risks losing. With a credit card, you will find it easier and more practical to shop for your monthly needs. After you are done with the groceries, you only need to issue a credit card to be swiped by the store’s cashier. And your monthly shopping case is completed easily and practically.

By using a credit card, you will also be able to process transactions faster at the cashier than when you use cash. But in using this credit card, you also shouldn’t be complacent. You should be able to adjust the budget or restrictions that exist on your credit card to the needs that you want to buy.

Do not let your credit card backfire for those of you who want convenience and practicality, even wrapped in large debt. So Although it is practical and easy, shopping with a credit card at a supermarket also needs to be tightened even though there are still many limits available.


The Smart Way to Avoid Dug Hole Close Hole When Loans Online

Online lending and borrowing services on a Peer to Peer Lending or P2P Lending platform are very helpful for the people of Indonesia, including those not yet reached by banks to improve their financial condition, whether they are in need of emergency funds or venture capital.

In addition to being easy and not complicated, the funds raised are also quickly disbursed. As an illustration, to make it easier, in general, this fintech lending platform is a non-collateral loan container that can be accessed only through smartphones and their guests with very easy requirements, including KTP, NPWP, and salary slip. Without having to wait a long time, the amount of funds submitted will immediately be disbursed in approximately 2 x 24 hours.

When they have decided to apply for an online loan

When they have decided to apply for an online loan

Automatically the borrower has the responsibility to pay the installments every month until they are paid off. However, unfortunately, many people also underestimate so that there are those who are heavily in debt.

Without thinking to pay off their debts quickly, they decided to make another online loan to a different fintech lending or an activity like this is better known as the hole digging hole cover. This is not the right solution, it will make the debt unresolved.

Before it’s too late, you should stop these harmful activities and start managing debt well. Here are five smart ways that online borrowers or borrowers can practice to avoid digging holes when online loans are in progress.

Make Debt a Priority

Make Debt a Priority

When there is an online loan you are applying for, it means that the monthly register records also increase. In addition to having a monthly list of needs that must be met, debt is also part of a very important list.

If debt repayment is prioritized, it will make you more meticulous when managing monthly finances. For example, reducing the budget in certain areas such as traveling or choosing shopping items that are cheaper than usual.

Tip: put the debt on the monthly priority list. This aims to be seen more often and to avoid payment of debt installments that are forgotten.

Apply Life Savings

The thing that is often ignored and underestimated by many people is not being able to implement life-saving. In fact, no longer think long spending money just to fulfill a high lifestyle.

Even though frugality does not make life miserable, it is precisely by implementing a frugal and simple life that makes financial conditions better. It’s okay to fulfill the desire, but remember there are still other needs such as debt that must be paid as the responsibility of the borrower.

Tip: Immediately aware, start not to spend too much money just to hang out in cafes, expensive restaurants or shopping for items that are not actually needed just to fulfill your desires. If there is a need to spend, use the promos to be a very appropriate solution.

Use Credit Cards Wisely

Use Credit Cards Wisely

In this day and age, almost everyone has a credit card. Because, many credit cards provide benefits in transactions for users, one of which can shop first and pay installments later.

But, it’s this convenience that makes not a few people dark eyes. They use credit cards to fulfill their high lifestyle by shopping for branded goods without thinking about the installment fees that must be paid every month.

If you do it like that and have other debt installments, it will certainly burden your costs every month. It’s possible that defaults can occur which causes the debt to pile up. For this reason, avoid using credit cards just for consumptive life.

Tips: Consider again if you want to use a credit card, whether the items to be purchased are needed or not. It is better to use a credit card wisely, for example, only for shopping for monthly needs.



Can you renegotiate your mortgage with your bank?

Did you take out a home loan some time ago and today the rates offered are better? Does a cash inflow allow you to repay your loan faster?

It may be possible to rediscuss your loan with your bank and thus save money.

How to renegotiate your mortgage with your bank


As explained above, there are several cases where renegotiating a home loan with your lender could be beneficial to you. Explanations.

1. Prepayment of the loan


During your loan, you may benefit from a cash inflow, planned or not.

This return of money could encourage you to repay your credit faster to save money. Indeed, by repaying your loan in advance, you will be able to reduce the interest. You have two options: reduce the term of your loan or reduce the amount of your monthly payments.

Also, you can save through your loan insurance which will stop before its initial term.

However, it is possible that your lending institution may impose prepayment penalties on you. The amount of the penalties corresponds to the total of six months of interest at the average rate of the principal repaid, or then to 3% of the principal remaining due. The lowest amount will be retained.

These penalties are not mandatory and can be negotiated with your bank.

For your transaction to be interesting, the savings made on interest and insurance must be greater than your possible prepayment costs.

2. Renegotiation of the loan following a fall in interest rates


As rates change over the years, they may be more attractive today than when you took out a loan for your real estate project.

You can, therefore, renegotiate with your lender, but this is not always possible. If the answer he gives you is not satisfactory to you, then it is entirely possible to compete and take out a new loan at another bank.

Here in summary, it is a new banking organization which will buy back your old loan.

As in the case of an early repayment, various costs may be charged to you. However, when they buy back a loan, many banks include these different costs in the financing.

The Fine Bank experts are at your disposal to help you in the constitution of your file but also in the search for the best loan offer.

The various possible costs:

  • Application fees in your new bank

  • Guarantee costs (negotiable for loans of less than 30,000 USD)
  • Prepayment charges . Your bank is entitled to ask you for these costs. According to the Fine Bank law, they are at most 3% of the capital that you had to repay with a ceiling set at 6 months of interest.

The law of 25 June 1999 on savings and financial security specifies that if you sell your home, these costs will be waived in 3 cases:

  • Forced cessation of professional activity, for example in the context of a dismissal
  • Job transfer
  • Death of person

These 3 situations apply to the borrower and his spouse. All contracts signed after June 30, 1999, are affected by this law.

The repurchase of mortgage, the alternative to renegotiation


Having your mortgage bought by another bank can still save you money.

In order for the operation to be profitable, it is preferable to study your situation well in advance.

It is also advisable to renegotiate your mortgage with your bank or have it redeemed in the first half, or even in the first third of the contract. This is where the amount of interest is highest, and therefore where you will realize the greatest savings.

In the context of a buyout, the difference between the two rates (the current one and that proposed by the new bank) must be around one point for optimal savings.

In addition, with this lower interest rate, you could include additional cash in your loan. This can be a solution to finance certain projects that are still pending: works, purchase of a new vehicle, etc.

Note that Fine Bank can also assist you in changing the insurance of your loan. Indeed, a buyout being a new contract, a new borrower insurance is necessary.

For any renegotiation or home loan buyout project, our advisers are at your disposal to save you time. Indeed, the procedures can be long and tedious if you decide to conduct them yourself. Do not hesitate to submit your request on our online form, it’s free and without obligation!


Benefits of Children Having a Credit Card

Parents should not give their children the freedom to access credit cards carelessly. Parents must ensure that their child’s age is old enough to use a credit card. In addition, parents are required to provide assistance and understanding of the benefits of credit cards and the dangers of using them carelessly.

On the other hand, actually giving children the opportunity to manage credit cards has a positive impact as well. This credit card can be a learning tool to educate children to be better at managing their finances. Other benefits, let’s look at 4 benefits of giving children the confidence to use the following credit cards:

Teach Children How to Manage Finances

Teach Children How to Manage Finances

Introducing and providing credit card facilities is one of the best ways to teach children how to manage finances carefully. Look at the extent to which the child’s ability to learn to manage income, expenses, and debt.

Parents can set limits that can be used by their children so that children can learn to be responsible for their finances. Perform regular checks on the use of child credit cards every month to prevent misuse of credit card facilities. This can be a provision in the future of children, so they can manage their personal finances well.

Instilling a Sense of Responsibility

Giving trust to children to use credit cards means that they have trained and instilled a sense of responsibility for children to manage their own finances.

Parents must still see and monitor how children carry out the trust that has been given to him. Assistance from parents is needed because children are still very vulnerable to be tempted to try something new. So teach them the responsibility of using their credit cards intelligently and wisely.

Learn to Control Yourself

Learn to Control Yourself

As explained above, young people are very susceptible to temptation, whether they come from social media, electronic media, advertisements, sales promos or social partners. This means that children must learn to control themselves so as not to be tempted to try something new or buy new things that are not really needed.

Give them an understanding that credit cards are not parents’ money, but debt to banks that must be paid, so the more often the credit card is used, the amount of the debt bills will also increase.

Learn to have a good track record

Children will surely grow up and maybe they will have their own credit card. Before having their own credit card, teach them to be good customers by learning to build a good credit track record.

Basically a credit card is a debt to the bank, but giving a credit card to a child will provide its own benefits if used properly. The positive side they will understand better how to use credit cards more wisely, do not just look at it from the negative side only.

General Benefits of Credit Cards in General

General Benefits of Credit Cards in General:

As a parent, you should be clear about what features and facilities are included on the credit card used to explain to their children. Here are some of the benefits of a credit card that you must know:

a) Balance Transfer Facility

The facilities offered by this particular bank can be taken into consideration, especially those with old credit card bills. The use of this feature is done by moving the bill from the old credit card to the new credit card (80% of the total bill) and then the bill will be paid off on the new credit card. This is done because of the consideration of smaller interest or more favorable installment facilities, so there is no need to use an old credit card.

b) Cash Withdrawal Facility

This facility is given to all credit cards. However, you should carefully consider the decision to make cash withdrawals via credit card, because cash withdrawal transactions will incur no small amount of fees plus daily interest calculated from the time of the cash withdrawal transaction.

c) 0% Installment Facility

This facility is quite tempting for credit card users. The customer will be given the convenience of paying the installment bills without interest for a certain period. But you should always be careful using a credit card, do not let features that should ease the burden will actually become an unpaid debt burden in the future.

d) Reward Points

In general rewards or bonuses given by issuing banks are in the form of points and cash back that can be obtained from purchases using a credit card. This facility will be very beneficial because by actively using it, you can save money at the same time. For points earned, it can be exchanged for a variety of interesting items offered through a monthly catalog that is sent with the bill.

e) Transactions in Foreign Currencies

This feature makes it easy for you to conduct financial transactions or purchases in foreign currencies, especially for those who like to travel abroad. For credit cardholders who have a foreign currency transaction feature, you will be given the convenience of spending using a foreign exchange rate, because the bill will be billed in the dollar.