Paskolu refinasavimas.

Refinansavimas –  paprastai tariant, yra  tokia operacija, kuris metų  greita paskola yra perkeliama iš vieno banko į kitą. Refinansavimas gali būti vykdomas įvairiais tikslais - norint pagerinti paskolos sąlygas, siekiant padidinti turimą paskolos sumą ar tiesiog dėl kitų priežasčių norint pakeisti banką.   
 Be abejo, dažniausia refinansavimo priežastis vis tik yra mažesnės palūkanų normos paieška, siekiant sumažinti  bankui mokamas įmokas. Tarkime, Jūs turite pasiėmę būsto paskolą banke „A“ su 7%  metine palūkanų norma,  ir tai Jūsų netenkina  (norėtumėte mokėti mažiau). Jūs kreipiatės į mus - mes Jums randame optimaliai  Jūsų poreikius tenkinančius  bankų pasiūlymus. Tarkime, bankas „B“ Jums siūlo  0,4 %  mažesnę palūkanų normą ir jis gali perpirkti Jūsų paskolą iš banko „A“. Tačiau, prieš perkeldami savo paskolą į banką „Z“, turite  atkreipti dėmesį į  keletą aspektų: privalote atsižvelgti į ankstesnės sutarties sąlygas (išsiaiškinti, koks „išėjimo“ mokestis yra taikomas?),  įvertinti , kiek sumažėja įmokos dydis ir kokios papildomos išlaidos turės būti padengtos (kadastro mokestis, hipotekos lakšto pakeitimo ir notaro mokesčiai), kad refinansavimas būtų tikslingas. Paskolų brokeris gali Jums padėti įvertinti šiuos dalykus ir tinkamai apsispręsti.
Refinansavimas kartu galėtų padėti pasididinti paskolą. Jei ėmėte paskolą prieš kelerius metus, tai greičiausiai Jūsų palūkanų norma yra didesnė nei dabar bankų siūlomos, o buto rinkos vertė taip pat veikiausiai padidėjusi dėl pastaruoju metu rinkoje vyravusios nekilnojamojo turto kainų augimo tendencijos. Taigi refinansuodami galite bandyti nušauti du zuikius vienu metu – gauti patrauklesnį banko pasiūlymą nei ankstesnis ir gauti papildomą sumą pinigų, jei Jums jie reikalingi kitiems sumanymams įgyvendinti.
Taigi, jei turite būsto paskolą, nepatingėkite, susiraskite ir atsiverskite savo paskolos sutartį – galbūt refinansuodami galėtumėte turėti geresnį sprendimą ir, be abejo, daugiau sutaupytų pinigų.


http://www.paskolu-brokeriai.lt/Refinansavimas

Payday Loans Reviews

REVIEWS & COMPARISONS

Compare the Best, Buy the Best for You


Gold award
1.
100DayLoans is the best online payday loan service in our rankings, and it sets you up with a lender to help you make your bills until your next paycheck.





2.

 NetLoanUSA offers quick decisions and a large network of lenders so you can find the right payday loan.





3.
 24/7Loan is a top payday loan service, with competitive fees and interest rates.
4.
LendUp takes an innovative approach to payday loans that may help you quickly pay off your loan and decrease your interest rates over time.





5.
 RISE offers a different and promising way to do payday loans, with a point system that may help you lower your rates over time.





6.
Check Into Cash is transparent about its rates and terms, and it has been a leader in the industry for over 20 years.





7.
The line of credit CashNetUSA offers can be beneficial when you need extra funds, but this setup makes it easy to borrow more than you may need because the funds are so readily available.




8.
Check 'n Go has been in business a long time, so it knows the game.





9.
While this company's fees are typical, the possible APR can be very high.






More http://payday-loan-service-review.toptenreviews.com/

Greiteji kreditai Anglijoje TOP 10

Lending Stream Short Term Loan
Paskolos dydis £50 to £600
Paskolos  laikotarpis 6 months
£100 repaid 28 days later £116.80
Palukanu dydis 661.8% APR
This is a six month loan, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 661.8% APR so if you borrow £200 over 6 months at 219.0% p.a. (fixed) your first repayment will be £20.40 followed by £77.20, £66.90, £63.00, £54.40 and £47.20 the following months. You will repay £329.10 in total.

Sunny Now Short Term Loan
Paskolos dydis £100 to £950
Paskolos  laikotarpis 6 months
£100 repaid 28 days later £120.16
Palukanu dydis 979% APR
Interest rateof 21.6% per month now available on loans up to £950. T&Cs apply.
This is a six month loan, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 979% APR so if you borrow £250 over 6 months at 262% p.a. (fixed) you will repay 6 monthly instalments of £78.28 and £469.28 in total.

QuickQuid Short Term Loan
Paskolos dydis £50 to £1,000
Paskolos  laikotarpis 28 days to 3 months
£100 repaid 28 days later £122.40
Palukanu dydis 1,270% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,270% APR so if you borrow £100 over 30 days at 292% p.a. (fixed) you will repay £24 in interest and £124 in total.

Peachy Loans Short Term Loan
Paskolos dydis £50 to £700
Paskolos  laikotarpis 15 days to 12 months
£100 repaid 28 days later £122.40
Palukanu dydis 1,255.66% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,255.66% APR so if you borrow £250 over 91 days at 292.25% p.a. (fixed) you will repay £126.48 each 30 days. You will repay £129.44 in interest and £379.44 in total.

Lending Stream Credit Facility
Paskolos dydis £50 to £3,000
Paskolos  laikotarpis Ongoing, provided repayments are made on time
£100 repaid 28 days later £105.04
Palukanu dydis 89.7% APR
This is a credit facility where a credit limit is set for you to borrow from, you will only be charged interest on the amount you borrow.
The minimum credit limit is £200 and you can borrow from £50 up to your total credit limit. Repayments will be collected automatically via your debit card.
Pavyzdis: The Palukanu dydis is 89.7% APR based on borrowing £1,200 at 65.7% p.a. (fixed).

WageDayAdvance Short Term Loan
Paskolos dydis  £100 to £1,000
Paskolos  laikotarpis 4 to 6 months
£100 repaid 28 days later £121
Palukanu dydis 1,107% APR
Loans can be taken over 4 to 6 months, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,107% APR so if you borrow £400 over 4 months at a rate of 273.75% p.a. (fixed) you will repay £219.80 in interest and £619.80 in total.

MYJAR Short Term Loan
Paskolos dydis £100 to £1,000
Paskolos  laikotarpis 3 months
£100 repaid 28 days later £121
Palukanu dydis 1,081% APR
This is a three month loan, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,081% APR so if you borrow £300 over 90 days at 274% p.a. (variable) you will repay £148.02 per month and £444.06 in total. Total cost for credit is £144.06

cashasap.co.uk Payday Loan
Paskolos dydis £20 to £750
Paskolos  laikotarpis 1 day to 31 days
£100 repaid 28 days later £122.25
Palukanu dydis 1,449% APR
Pavyzdis: The Palukanu dydis is 1,449% so if you borrow £160.00 over 15 days at rate of 290% p.a. (fixed) you will repay £19.07 in interest and £179.07 in total.

PiggyBank Short Term Loan
Paskolos dydis £100 to £1,000
Paskolos  laikotarpis 7 days to 5 months
£100 repaid 28 days later £122.40
Palukanu dydis 1,270% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,270% APR so if you borrow £250 for 30 days at 292% p.a (fixed) you will pay £60 in interest and £310 in total.

WageDayAdvance Payday Loan
Paskolos dydis £80 to £500
Paskolos  laikotarpis 21 to 57 days
£100 repaid 28 days later  £122.40
Palukanu dydis 1,294% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,294% APR so if you borrow £260 over 28 days at a rate of 292% p.a. (fixed) you will repay £58.20 in interest and £318.20 in total.

SafetyNet Credit Facility
Paskolos dydis £50 to £500
Paskolos  laikotarpis Ongoing, provided repayments are made on time
£100 repaid 28 days later £122.40
Palukanu dydis 68.7% APR
This is a credit facility where a credit limit is set for you to borrow from, you will only be charged interest on the amount you borrow.
You can borrow any amount up to your total credit limit. Repayments will be collected automatically via your debit card.
Pavyzdis: The Palukanu dydis is 68.7% APR based on borrowing £500 at 292% p.a. (variable). You will repay 0.8% interest per day up to a maximum of 40 days.

MYJAR Payday Loan
Paskolos dydis £100 to £500
Paskolos  laikotarpis 1 day to 1 month
£100 repaid 28 days later £122.40
Palukanu dydis 1,270% APR
Early repayment allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,270% APR so if you borrow £100 over 30 days at 292% p.a. (variable) you will repay £22.40 in interest and £122.40 in total.

MrLender.com Short Term Loan
Paskolos dydis £100 to £500
Paskolos  laikotarpis 1 to 6 months
£100 repaid 28 days later £122.40
Palukanu dydis 1,270.1% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1,270.1% APR (fixed) so if you borrow £300 over 3 months at a rate of 292% p.a (fixed) you first repayment will be £172 followed by £148 and £124 the following months. You will repay £144 in interest £444 in total.

Wageme.com Payday Loan
Paskolos dydis £50 to £750
Paskolos  laikotarpis 1 to 43 days
£100 repaid 28 days  later £122.40
Palukanu dydis 1221.5% APR
Early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 1221.5% APR so if you borrow £100 over 30 days at 292% p.a. (fixed) you will repay £24 in interest and £124 in total.

247Moneybox Payday Loan
Paskolos dydis £80 to £200
Paskolos  laikotarpis 15 to 45 days
£100 repaid 28 days later £122.40
Palukanu dydis 1,291.8% APR
The Palukanu dydis is 1,291.8% APR so if you borrow £80 over 29 days at 292.8% p.a. (fixed) you will repay £18.56 in interest and £98.56 in total.

Sunny Plus Short Term Loan
Paskolos dydis £1,000 to £2,500
Paskolos  laikotarpis 14 months
£100 repaid 28 days later -
Palukanu dydis 237% APR
This is a fourteen month loan, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 237% APR so if you borrow £1400 over 14 months at 128% p.a. (fixed) you will repay 14 monthly instalments of £196.42 and £2749.77 in total.

Pounds to Pocket Short Term Loan
Paskolos dydis £200 to £2,000
Paskolos  laikotarpis 6 to 12 months
£100 repaid 28 days later -
Palukanu dydis 278% APR
Loans can be taken over six to 12 months, but early repayment is allowed. You will only be charged interest for the time you have the loan.
Pavyzdis: The Palukanu dydis is 278% APR so if you borrow £600 over 12 months at 140% p.a. (fixed) you will repay £95.37 per month. You will pay £544.44 in interest and £1,144.44 in total.

Nuo 2016.02.01 Seimas sugriežtino greitųjų kreditų taisykles!

Nuo šiol pasiimti greitąjį kreditą Lietuvoje nebus taip paprasta. 

Vakar įsigalioję greitųjų kreditų išdavimo sugriežtinimai:

Priimtuoju įstatymu nuo 200 iki 75% sumažinama metinės kredito palūkanų norma, taip pat nustatyta 0,04% per dieną administravimo išlaidų viršutinė riba. Bendra išduodamos paskolos kaina negalės būti didesnė už bendrą paskolos sumą.

Taip pat 6 mėn. apribotas delspinigių mokėjimas.

Greitąjį kreditą paėmusiems gyventojams bus leista per dvi dienas nuo pinigų gavimo momento paskolą grąžinti nemokant baudų.

Priimtosios pataisos numato, kad įmonės privalės griežčiau ir kritiškiau įvertinti kliento galimybes grąžinti paskolą, papildomai tikrinti jo duomenis registruose bei informacinėse sistemose, neskolinti jaunesniems kaip 18 metų asmenims, neblaiviems ir neveiksniems žmonėms, pinigų nemokėti naktį – nuo 22 iki 7 val.

Įvedami tam tikri nauji apribojimai greitųjų kreditų reklamai. Nustatomos ir gerokai didesnės baudos už pažeidimus greitųjų kreditų įmonėms – joms būtų skiriama iki 1% metinių pajamų bauda, o už pakartotinus pažeidimus – iki 10%.