Your new car with a Ronnie Junks credit

In this fast-paced world, managing everyday chores can be very tiring, especially if you don’t have a vehicle. Traveling without a car in addition to being uncomfortable can be risky and inconvenient for work and personal life.

Why buy a new car? The reasons are many, in this blog we will explain why it is one of the best investments you can make and more importantly, how you can make this goal come true with a loan.

 

Advantages of buying a new car

It becomes your property

Advantages of buying a new car

Buying a vehicle is perhaps one of the biggest investments you will make in your life, after buying your home. Therefore, your car is not just a vehicle, it is a property of long-term value.

 

Forget the stress of traveling by public transport

Forget the stress of traveling by public transport

Waiting for the bus in the morning just to discover that it is already full, or gone, can be a really frustrating experience. Forget about these inconveniences! With a new car you are the owner of your time.

 

It is an investment for your family

It is an investment for your family

Having your own car allows you to do all kinds of activities with your family, from shopping to long trips. Comfort and fun for everyone!

 

It gives you security

It gives you security

Compared to public transport, cars are much safer. They come equipped with numerous safety functions such as: airbags, speed control, safety belts and blind spot monitoring. In addition, it keeps you away from the violence of traveling by bus or taxi. It is definitely worth it!

 

Buy your car with a safe, easy and fast credit

Buy your car with a safe, easy and fast credit

In Credits Ronnie Junks we support you to accelerate the passage of your goals with benefits that help you obtain financial freedom. You want to know more? We share the benefits of acquiring a car with us

 

It is fast and uncomplicated

 

With Ronnie Junks you get your money in less than 48 hours and through the method that is most convenient for you: Our Website, WhatsApp or even from our App “My Ronnie Junks”. Do it from the comfort of your home and get the money you need for your new car.

 

Take care of your budget

Take care of your budget

With a credit to suit you enjoy the advantages of having your own car while taking care of your budget. At Ronnie Junks we evaluate your financial situation to give you fees that you can pay. Best of all, you build a good credit record that will make it easier for you to acquire more money for future goals!

 

You pay at your own pace

With Ronnie Junks you choose! Accelerate the purchase of your car by choosing the payment term that best suits your needs: 12, 24 or 48 months.

 

Amazing benefits

You pay at your own pace

In addition to getting comfortable payment terms and a comfortable interest rate you can win incredible prizes by paying your credit on time. For example, you can participate in the draw of a Borra Balances up to Q15,000.00

Buying a car is more than a material acquisition, it is a step towards freedom and independence. With a custom credit you enjoy these benefits faster and easier.

 

Your new car with a Ronnie Junks credit

new car

In this fast-paced world, managing everyday chores can be very tiring, especially if you don’t have a vehicle. Traveling without a car in addition to being uncomfortable can be risky and inconvenient for work and personal life.

Why buy a new car? The reasons are many, in this blog we will explain why it is one of the best investments you can make and more importantly, how you can make this goal come true with a loan.

 

Advantages of buying a new car

It becomes your property

Advantages of buying a new car

Buying a vehicle is perhaps one of the biggest investments you will make in your life, after buying your home. Therefore, your car is not just a vehicle, it is a property of long-term value.

 

Forget the stress of traveling by public transport

Forget the stress of traveling by public transport

Waiting for the bus in the morning just to discover that it is already full, or gone, can be a really frustrating experience. Forget about these inconveniences! With a new car you are the owner of your time.

 

It is an investment for your family

It is an investment for your family

Having your own car allows you to do all kinds of activities with your family, from shopping to long trips. Comfort and fun for everyone!

 

It gives you security

It gives you security

Compared to public transport, cars are much safer. They come equipped with numerous safety functions such as: airbags, speed control, safety belts and blind spot monitoring. In addition, it keeps you away from the violence of traveling by bus or taxi. It is definitely worth it!

 

Buy your car with a safe, easy and fast credit

Buy your car with a safe, easy and fast credit

In Credits Ronnie Junks we support you to accelerate the passage of your goals with benefits that help you obtain financial freedom. You want to know more? We share the benefits of acquiring a car with us

 

It is fast and uncomplicated

 

With Ronnie Junks you get your money in less than 48 hours and through the method that is most convenient for you: Our Website, WhatsApp or even from our App “My Ronnie Junks”. Do it from the comfort of your home and get the money you need for your new car.

 

Take care of your budget

Take care of your budget

With a credit to suit you enjoy the advantages of having your own car while taking care of your budget. At Ronnie Junks we evaluate your financial situation to give you fees that you can pay. Best of all, you build a good credit record that will make it easier for you to acquire more money for future goals!

 

You pay at your own pace

With Ronnie Junks you choose! Accelerate the purchase of your car by choosing the payment term that best suits your needs: 12, 24 or 48 months.

 

Amazing benefits

You pay at your own pace

In addition to getting comfortable payment terms and a comfortable interest rate you can win incredible prizes by paying your credit on time. For example, you can participate in the draw of a Borra Balances up to Q15,000.00

Buying a car is more than a material acquisition, it is a step towards freedom and independence. With a custom credit you enjoy these benefits faster and easier.

 

Borrow money with benefits

You have a benefit and want to borrow money: curious about the possibilities? You can borrow money with a Pau, Pajung or Pia benefit. Our advisors are happy to outline the possibilities, for example to ensure that you have some extra money in hand in the coming period. Do you have a social assistance benefit? Then we can unfortunately not be of service with a loan. This is also not possible with unemployment benefits, unless your partner or spouse has their own income. In that case it is advisable to contact us, so that we can properly advise you about a loan with a benefit.

Borrow money with benefits

Borrow money with benefits

Borrowing money with benefits is possible in a number of different ways. It is especially important that the benefit is high enough to meet the monthly installments and that you continue to receive the benefit for a sufficient period. In this way, certainty is created for the lender, which gives us the opportunity to offer you a credit. The social assistance benefit is in many cases too low for a loan, the unemployment benefit is too short in duration. In the case of a Pau, Pajung or Pia benefit it is fortunately perfectly possible to borrow money. We are happy to advise you on the possibilities and of course ensure the lowest possible interest.

Lowest interest rate in the Netherlands

Lowest interest rate in the Netherlands

Our advisers ensure the lowest interest rate in the Netherlands, so borrowing money with benefits does not have to be expensive. There are various forms of borrowing available, in all cases we ensure that the loan has the lowest possible interest when it is paid out.

Advice on borrowing money with benefits

Advice on borrowing money with benefits

Seek advice from our advisers, for example to borrow money with disability benefits? Just as with a Pajung or Pia benefit, it is possible to borrow money. This applies to both the PAU and the PIA, we can serve you well in various situations. Contact us by phone, start a live chat or request a free quote without obligation online. We would like to hear from you.

The most common mistakes when using the credit card

As we always say, credit cards have to be patient and not use them in a crazy way; Otherwise, at the end of the month, seeing your statement, you will think that you are a creation of the devil, when all you need is to learn how to manage them in order to enjoy their benefits.

Choose an unmatched card

money cash

How do you know that a plastic really suits you if you have not seen what benefits the others on the market offer you? Miles, discounts, promotions … there is everything when it comes to cards and the best option is to compare them all before choosing.
If you want to find out what are the benefits and rates they offer, visit the Danilo Dersosas comparator.

Accept more than you can afford

Do not get wrong! Be honest with yourself and see how much you can pay monthly; Accordingly, use only 40% of your credit line at most. Why? Because this can become a danger, look at the explanation here.

Don’t keep track of what you spend. Some often confuse the money on the card with extra money you have to spend, and it is not so! It is simply another form of payment that allows you to make purchases when you have no cash available. So take note of the times you use the card, it won’t be that the end of the month account ends up ruining your pocket.

Use the card for everything

Use the card for everything

“Why not? If at the end it works. ”Error! If you use the card for purchases that you could also pay in cash (lunch of the day, buy some candy or coffee, etc.), you leave less and less “credit” for any large purchase you could make. And so, your monthly payment will also be higher, which will cause you to pay the minimum and generate more interest.

Do not verify your expense report . By not doing so, you will never realize what are the expenses that are taking extra pesos. When reviewing your account statement you can also propose to cut some expenses and save a little. Healthy habits for a healthy economic life!

 

The most common mistakes when using the credit card

As we always say, credit cards have to be patient and not use them in a crazy way; Otherwise, at the end of the month, seeing your statement, you will think that you are a creation of the devil, when all you need is to learn how to manage them in order to enjoy their benefits.

Choose an unmatched card

money cash

How do you know that a plastic really suits you if you have not seen what benefits the others on the market offer you? Miles, discounts, promotions … there is everything when it comes to cards and the best option is to compare them all before choosing.
If you want to find out what are the benefits and rates they offer, visit the Danilo Dersosas comparator.

Accept more than you can afford

Do not get wrong! Be honest with yourself and see how much you can pay monthly; Accordingly, use only 40% of your credit line at most. Why? Because this can become a danger, look at the explanation here.

Don’t keep track of what you spend. Some often confuse the money on the card with extra money you have to spend, and it is not so! It is simply another form of payment that allows you to make purchases when you have no cash available. So take note of the times you use the card, it won’t be that the end of the month account ends up ruining your pocket.

Use the card for everything

Use the card for everything

“Why not? If at the end it works. ”Error! If you use the card for purchases that you could also pay in cash (lunch of the day, buy some candy or coffee, etc.), you leave less and less “credit” for any large purchase you could make. And so, your monthly payment will also be higher, which will cause you to pay the minimum and generate more interest.

Do not verify your expense report . By not doing so, you will never realize what are the expenses that are taking extra pesos. When reviewing your account statement you can also propose to cut some expenses and save a little. Healthy habits for a healthy economic life!

 

Lose your fear of the “cut day” of your credit card

To maximize the use of your credit card, you must know all the terms associated with it, including the billing cycle, which contains the closing day and the payment deadline. Both dates are important because they will guide the purchases and subsequent payments you must make.

Deadline: 

money loan

It is also known as court day and what happens on that date is that your shopping cycle comes to an end, that is, everything you bought until before that day, will come on your receipt. After the credit card, there are other debts such as vehicular credit (if you have one) or personal loans, whose interest rate is lower but not so much. And what you buy the next day, will come in the statement of the following month. Knowing this date to the right and the other way around is very important because this way you can plan your purchases And what you buy the next day, will come in the statement of the following month. Knowing this date to the right and the other way around is very important because this way you can plan your purchases, so as not to be surprised having to pay high amounts for the card.

Payday limit:

money cash

It is the last day you have to pay the monthly amount by your credit card. It is important to know because, if you do not pay on time, the charges for the late payment will be added to your account. Also, remember that if you pay for your purchases in a single installment, you will save the interest that is given by deferring them in several payments.

Both dates are key to maintaining a healthy financial life. Do not stop paying attention to them and do not stop checking if you have the card that suits you, remember that there are a thousand benefits that could be waiting for you. Compare them here.

 

Lose your fear of the “cut day” of your credit card

money savings

To maximize the use of your credit card, you must know all the terms associated with it, including the billing cycle, which contains the closing day and the payment deadline. Both dates are important because they will guide the purchases and subsequent payments you must make.

Deadline: 

money loan

It is also known as court day and what happens on that date is that your shopping cycle comes to an end, that is, everything you bought until before that day, will come on your receipt. After the credit card, there are other debts such as vehicular credit (if you have one) or personal loans, whose interest rate is lower but not so much. And what you buy the next day, will come in the statement of the following month. Knowing this date to the right and the other way around is very important because this way you can plan your purchases And what you buy the next day, will come in the statement of the following month. Knowing this date to the right and the other way around is very important because this way you can plan your purchases, so as not to be surprised having to pay high amounts for the card.

Payday limit:

money cash

It is the last day you have to pay the monthly amount by your credit card. It is important to know because, if you do not pay on time, the charges for the late payment will be added to your account. Also, remember that if you pay for your purchases in a single installment, you will save the interest that is given by deferring them in several payments.

Both dates are key to maintaining a healthy financial life. Do not stop paying attention to them and do not stop checking if you have the card that suits you, remember that there are a thousand benefits that could be waiting for you. Compare them here.

 

Credit intermediaries and lenders

In this article we will analyze the figures of real estate credit intermediaries , their designated representatives and private lenders , based on what is established in the imminent Law regulating real estate credit contracts, pending publication in the BOE. The final text is already available, when the final approval by the Congress of the Bill regulating the real estate credit contracts, which can be read in the linked document , is published on March 7, 2019. Soon we will study the legal regime of these figures

In Better2Best Finances we work to improve the quality of services that mortgage brokers (now real estate credit intermediaries) provide to our users and we select them based on their professionalism, experience, dedication to service and scrupulous compliance with the Law. We offer our users the possibility of a real estate credit intermediary to analyze your chances of getting a mortgage (filling out our form ), a forum to contact experts and experts in the sector and financial training on our blog and various pages.

 

Real estate credit intermediaries

Real estate credit intermediaries

Real estate credit intermediary : any natural or legal person who, not acting as a lender, or notary public, develops a commercial or professional activity, in exchange for a remuneration, pecuniary or any other form of agreed economic benefit, consisting of contacting , directly or indirectly, to a natural person with a lender and in addition to performing any of the following functions with respect to the loan agreements referred to in article 2.1, letters a) and b):

  • a) present or offer the borrowers said loan agreements;
  • b) assist borrowers with prior procedures or other pre-contractual management with respect to such loan agreements;
  • c) enter into loan agreements with a borrower on behalf of the lender.

Taking into account that the new Law regulating real estate credit contracts focuses, simplifying, on mortgage loans on residential real estate contracted by natural persons (whether or not consumers), in the form of a loan or credit granted by a financial entity or lender Private, a real estate credit intermediary will be that professional or company that, without lending the money, or being a notary, charges for contacting potential borrowers with the lenders and also offers any of the following services: (i) teaches or explains the loan contract; (ii) assists borrowers in the pre-contractual phase; (iii) enter into the loan agreement on behalf of the lender.

The credit intermediary linked to the credit intermediary acting on behalf and under the full and unconditional responsibility of:

  • a) a single lender;
  • b) a single group (lenders that present consolidated accounts); or
  • c) a number of lenders or groups that does not represent the majority of the market.

Somewhat elusive figure: if a linked credit intermediary acts “on behalf of and under the full and unconditional responsibility” of a lender that is a credit institution, what differentiates it from the figure of the credit institution agent? How to establish that a credit intermediary operates with a number of lenders that do not represent the majority of the market?

In relation to credit institution agents , Royal Decree 84/2015 defines them as “the natural or legal persons to whom a credit institution has granted powers to act regularly in front of the clientele, in the name and on behalf of the Mandating entity, in the negotiation or formalization of operations typical of the activity of a credit institution. Presidents with powers for a single specific operation are excluded, and those who are linked to the entity, or other entities of the same group, for an employment relationship. »A linked credit intermediary does not act by the powers of the lender, or if? The terms “in the name and under full and unconditional responsibility” do not help to understand the difference.

 

Designated Representatives

Designated Representatives

The rule defines the designated representative as any natural or legal person who performs the activities of a real estate credit intermediary on behalf of and on behalf of a single intermediary, under the full and unconditional responsibility of the latter. It is, therefore, a professional or company with a contractual and exclusive relationship with the credit intermediary to provide third parties to the intermediation service.

The real estate credit intermediary will be liable for any action or omission of the designated representative when operating on your behalf. In the particular case of designated representatives of a credit intermediary linked to a single lender, the lender will respond to the actions or omissions.

 

Private lenders

Private lenders

The Law defines the figure of the real estate lender as any natural or legal person that, in a professional manner, performs the activity of granting the loans regulated in the norm. It will be understood that the activity of granting mortgage loans is carried out on a professional basis when the lender, whether a natural or legal person, intervenes in the market for financial services with a business or professional nature or, even occasionally, for an exclusively investment purpose.

The Law, therefore, considers lenders to both financial institutions and private lenders, whether natural or legal persons.

In the following article we will analyze the legal regime of private lenders, real estate credit intermediaries and designated representatives.

Credit intermediaries and lenders

credit problem

In this article we will analyze the figures of real estate credit intermediaries , their designated representatives and private lenders , based on what is established in the imminent Law regulating real estate credit contracts, pending publication in the BOE. The final text is already available, when the final approval by the Congress of the Bill regulating the real estate credit contracts, which can be read in the linked document , is published on March 7, 2019. Soon we will study the legal regime of these figures

In Better2Best Finances we work to improve the quality of services that mortgage brokers (now real estate credit intermediaries) provide to our users and we select them based on their professionalism, experience, dedication to service and scrupulous compliance with the Law. We offer our users the possibility of a real estate credit intermediary to analyze your chances of getting a mortgage (filling out our form ), a forum to contact experts and experts in the sector and financial training on our blog and various pages.

 

Real estate credit intermediaries

Real estate credit intermediaries

Real estate credit intermediary : any natural or legal person who, not acting as a lender, or notary public, develops a commercial or professional activity, in exchange for a remuneration, pecuniary or any other form of agreed economic benefit, consisting of contacting , directly or indirectly, to a natural person with a lender and in addition to performing any of the following functions with respect to the loan agreements referred to in article 2.1, letters a) and b):

  • a) present or offer the borrowers said loan agreements;
  • b) assist borrowers with prior procedures or other pre-contractual management with respect to such loan agreements;
  • c) enter into loan agreements with a borrower on behalf of the lender.

Taking into account that the new Law regulating real estate credit contracts focuses, simplifying, on mortgage loans on residential real estate contracted by natural persons (whether or not consumers), in the form of a loan or credit granted by a financial entity or lender Private, a real estate credit intermediary will be that professional or company that, without lending the money, or being a notary, charges for contacting potential borrowers with the lenders and also offers any of the following services: (i) teaches or explains the loan contract; (ii) assists borrowers in the pre-contractual phase; (iii) enter into the loan agreement on behalf of the lender.

The credit intermediary linked to the credit intermediary acting on behalf and under the full and unconditional responsibility of:

  • a) a single lender;
  • b) a single group (lenders that present consolidated accounts); or
  • c) a number of lenders or groups that does not represent the majority of the market.

Somewhat elusive figure: if a linked credit intermediary acts “on behalf of and under the full and unconditional responsibility” of a lender that is a credit institution, what differentiates it from the figure of the credit institution agent? How to establish that a credit intermediary operates with a number of lenders that do not represent the majority of the market?

In relation to credit institution agents , Royal Decree 84/2015 defines them as “the natural or legal persons to whom a credit institution has granted powers to act regularly in front of the clientele, in the name and on behalf of the Mandating entity, in the negotiation or formalization of operations typical of the activity of a credit institution. Presidents with powers for a single specific operation are excluded, and those who are linked to the entity, or other entities of the same group, for an employment relationship. »A linked credit intermediary does not act by the powers of the lender, or if? The terms “in the name and under full and unconditional responsibility” do not help to understand the difference.

 

Designated Representatives

Designated Representatives

The rule defines the designated representative as any natural or legal person who performs the activities of a real estate credit intermediary on behalf of and on behalf of a single intermediary, under the full and unconditional responsibility of the latter. It is, therefore, a professional or company with a contractual and exclusive relationship with the credit intermediary to provide third parties to the intermediation service.

The real estate credit intermediary will be liable for any action or omission of the designated representative when operating on your behalf. In the particular case of designated representatives of a credit intermediary linked to a single lender, the lender will respond to the actions or omissions.

 

Private lenders

Private lenders

The Law defines the figure of the real estate lender as any natural or legal person that, in a professional manner, performs the activity of granting the loans regulated in the norm. It will be understood that the activity of granting mortgage loans is carried out on a professional basis when the lender, whether a natural or legal person, intervenes in the market for financial services with a business or professional nature or, even occasionally, for an exclusively investment purpose.

The Law, therefore, considers lenders to both financial institutions and private lenders, whether natural or legal persons.

In the following article we will analyze the legal regime of private lenders, real estate credit intermediaries and designated representatives.

Balance dip? Quickly borrow up to 1500 euros without BKR review

With a balance dip you can quickly borrow money up to 1500 euros

With a balance dip you can quickly borrow money up to 1500 euros

Simply apply online and, if agreed, money immediately available within 24 hours

  • Example: Borrow 1500 euros for 62 days for only 25 euros
  • Apply online and if agreed, money within 24 hours
  • No BKR check or registration
  • Borrow 100 to 1500 euros
  • Short duration of 30, 45 or 62 days
  • 6 days a week customer service

Solve balance dip without BKR assessment

Solve balance dip without BKR assessment

A balance dip is sometimes unavoidable. Unexpected expenses for, for example, the car or a holiday that is too expensive can cause your bank balance to decrease quickly. If waiting for your salary or benefit is still too long, you can quickly top up your bank balance with a mini loan of a balance. With a mini loan you can quickly borrow up to 1500 euros without checking whether you already have a BKR registration. If you have a negative BKR registration then a balance dip is the solution to be able to borrow money quickly. If you do not have a BKR registration, you will not receive it either if you take out a loan via a balance dip. You will have that in the future, for example if you want to take out a mortgage or need another loan, so there is no problem with that.

Apply for a mini loan

Apply for a mini loan

Requesting a mini loan with a balance dip can be done quickly and easily online. The application process consists roughly of these steps:

  • 1: Select the desired amount and duration
  • 2: Upload your ID document and choose your guarantor
  • 3: Verify your bank account and send the application. This is done via iDeal.
  • 4: If agreed, money deposited within 24 hours

After the application has been approved by Saldodipje, you have the money in your account within 24 hours. They are, however, dependent on the transaction speed between the various banks. In most cases it is possible to get money into your account within 24 hours. You can verify your bank account by transferring 1 cent via iDeal to Saldodipje to ensure that the bank account is yours. This is a normal step in the application process.

Advantages of a mini loan

Advantages of a mini loan

The advantages of a mini loan with a balance dip are:

  • Fast money in your account, usually within 24 hours
  • Borrow money without BKR review
  • No BKR registration, this prevents you from borrowing elsewhere in the future
  • No proof of income or payslip required
  • Repay via iDeal via your own account
  • Short duration and therefore low costs
  • Everything arranged online without paperwork
  • Early repayment without costs
  • Repeatedly borrowing through your own account so you can borrow extra money even faster

Cost of a mini loan with a balance dip

Cost of a mini loan with a balance dip

Of course, interest must be paid on the loan amount. The annual cost percentage is 13.99%. The interest seems to be on the high side, but because the duration is short, the interest costs are not too bad.

For borrowing 1000 euros for 2 months you only pay 15 euros.

In the table below you can see an example in various amounts much a mini loan balance to dip costs if you have a sponsor (friend or family). If you do not have a guarantor, you can take one via a balance. Extra costs are due for this.