emsland-aktuell.com http://www.emsland-aktuell.com Just another WordPress site Fri, 19 Apr 2019 11:19:23 +0000 en hourly 1 https://wordpress.org/?v=5.2.1 Compass retired loans http://www.emsland-aktuell.com/compass-retired-loans/ http://www.emsland-aktuell.com/compass-retired-loans/#respond Fri, 19 Apr 2019 11:19:23 +0000 http://www.emsland-aktuell.com/compass-retired-loans/


Compass retired loans represent one of the preferred credit solutions for those who have escaped from the labor market and need liquidity to satisfy their personal needs, relying on one of the most renowned financial companies among those operating on the Italian territory, also due to the flexibility of its options. The personal loans for Compass pensioners are based as usual on a sale of the fifth of the social security check, a very advantageous solution both for those who provide the capital and for those who receive it, and who allows access to credit quickly and very quickly simple. In particular, the loans subscribed through the agreement with INPS, former ENPALS and former INPDAP allow obtaining favorable terms compared to normal loans disbursed by the financial company, which we will analyze as an alternative option.

Article content

  • 1 Compass retired loans with salary assignment
  • 2 Assignment of the fifth, what advantages?
  • 3 Compass retired loans, features
  • 4 Who can request them?
  • 5 The advantages of Compass retired loans
  • 6 Compass retired loans for bad payers
  • 7 Inps retired loans ex Inpdap: Compass rates
  • 8 Compass personal loans
  • 9 Easy personal loan
  • 10 Jump personal loan
  • 11 Total Flex personal loan
  • 12 Personal Loan Cifra Tonda
  • 13 Compass retired loans: are they affordable?

Compass retired loans with a fifth assignment

Compass retired loans with a fifth assignment

The main aspect of Compass retired loans as for other financial companies and credit institutions that supply the same type of product is that of being a loan with the transfer of a fifth of the pension as a method of repayment: this means that with the sale of the fifth Compass you can request and get a personal loan you have

an installment with a monthly amount not exceeding one fifth of one’s income, or 20 per cent of the entire social security check , taking advantage of subsidized rates based on the INPS agreement or other former social security institutions absorbed by the latter. Furthermore, the loan has as a guarantee the obligatory subscription of an insurance cover against the risk of early death, which protects both the bank and the heirs of the deceased, paying off the debt upon the death of the beneficiary.

Assignment of the fifth, what advantages?

Subscribing to a loan with a salary-backed loan means that the monthly installment is set with less subjective criteria than a normal personal loan: for example, if you receive a pension of 1000 euros, the repayment installment of the salary will not exceed the 200 euros. The sale of the fifth is a very convenient tool because it avoids “forgetfulness” with respect to the payment of the bills at the post office or the agreed tobacconists, and at the same time it is very useful and precise in avoiding an excessive indebtedness and a consequent difficulty to repay personal loan: this is why it is the preferred tool for loans for pensioners , as well as being available for protesters and bad payers . For more information on this, you can physically go to a Compass branch or visit the appropriate page on the official website of the financial company

Compass retired loans, features

The Compass pensioner loan is a type of non-finalized loan, this means that it is paid without specifying the purpose, it is paid through the transfer of the pension’s fifth, and in the loan the insurance policy in case of death is included, a mandatory prescription by law for this type of product reserved for those who have escaped from the labor market. The provision of this loan for Compass pensioners

it is limited to holders of a retirement pension that have a maximum age of 85, in addition the loan can be requested only if the social security check has an amount exceeding € 501.89 net of the transferable quota . According to the laws in force, it is not possible to sell a portion of income that determines a remaining part lower than the social pension.

The characteristics of the Compass pensioner loan provide for a maximum payable amount, variable based on the transferable portion and duration, up to over 75 thousand euros, a duration of the amortization plan of between 24 and 120 months, and as regards the cost of the life risk policy, which generally can reach very high values, Compass undertakes to limit the weight of this item in the total cost of the loan to a maximum of 26 per cent of the gross amount.

Who can request them?

Who can apply for Compass personal loans ? Funding is reserved for

INPS pensioners whose age is less than 85 years at the time of payment of the last loan installment: the required documentation provides tax code, copy of identity card and what is necessary to attest the income, or the pension slip, necessary for the preventive evaluation by the financial company.

The limit imposed by Compass relative to age makes it clear that the older you are at the time of the request, the shorter the repayment plan, which must peremptorily cease when you reach the age of 80 : therefore, to access the maximum duration of 120 months, or 10 years, you will not have exceeded, at the time of stipulation of the contract, the seventy-fifth year of age.

The advantages of Compass retired loans

The advantages of Compass retired loans

The advantages of Compass retired loans can be summarized as follows:

  • Rates agreed with INPS, formerly INPDAD, former ENPALS
  • Possibility of requesting funding beyond 70 years
  • Possible positive outcome of the request even in the presence of other financing or financial problems
  • Custom amounts   with the possibility of requesting sums up to over 75 thousand euros
  • Fixed and constant installment for the entire duration of the loan
  • No guarantor required , beyond one’s pension
  • Possibility to repay up to 10 years
  • No brokerage fees

Compass retired loans for bad payers

Compass retired loans for bad payers

Since these are loans for pensioners with a fifth assignment, the request for these loans is also possible for those who have been reported to the Central Credit Register as protesters or bad payers, presenting the standard documentation necessary for the evaluation of the process and the subsequent disbursement of the loan . In particular, it is necessary

a valid identity document, the tax code, the pension slip or even the crediting of the pension in a current account, and the assignable Quota certificate issued by the INPS. The time to get the go-ahead for the Compass pensioner loan is quite fast, even for those who have been reported as a bad payer or are protested.

Retired loans INPS ex Inpdap: Compass rates

In general, the interest rates applied to Compass retired loans are rather competitive, and in addition the absence of intermediation costs makes the entire financing even more convenient: we must not forget that in this branch of financing there are INPS agreements ex Inpdap, which allow access to credit at favorable conditions in favor of public pensioners at very competitive interest rates, even for large sums. In particular,

we have the small INPS loans , for which it is not necessary to present any justification of expenditure, to which Compass in 2017 applies a Nominal Annual Rate (TAN) equal to 4.25 per cent . For multi-year loans to INPS ex Inpdap instead, which are loans granted only against certain economic needs of the applicant, we have a fixed interest rate of 3.5 per cent , with duration and amount that can be financed according to the purpose of the loan. For small loans, amounts and durations are pre-established, with sums of up to 8 net monthly salaries received by the beneficiary and a repayment plan that can reach a maximum of 4 years.

Compass personal loans

For those unwilling or unable to apply for the solution of loans for pensioners , Compass obviously offers the possibility of accessing a wide range of products that fall within the scope of personal loans, with various additional options, as shown on the page of the dedicated official website to this finance sector. With Compass personal loans you can apply

a loan up to the age of 70 that provides for the payment of a capital of up to 30 thousand euros , at customized conditions, choosing the best combination between installment and loan duration depending on the personal needs of the individual.

Let’s see together what are the Compass personal loan options provided by the finance company.

Easy personal loan

The Compass Easy personal loan is the standard version of the loan, which does not provide flexibility or modification options, and offers only the guarantee of an installment that remains constant for the entire repayment period. However

to the Easy Classic formula you can add the Jump option to skip an installment or Change to reduce the amount. If you choose the Flex option instead, you can have both the above options and get a really flexible loan at every level.

Personal loan Jump

Personal loan Jump

With the Jump personal loan it is possible to skip, once a year, the payment of an installment , up to a maximum of 5 times total included in the financing period, all without any additional cost. With the Jump option simply

it is possible for the beneficiary to postpone the payment of the installment skipped to the end of the term , by informing the financial company of its choice to annually skip a single installment in the planned amortization plan, up to a maximum total of 5 times for the entire duration of the period of refund.

Total Flex personal loan

Total Flex is the flexible loan devised by Compass that allows those who request it to carry out their projects with ample flexibility in times of need: with this personal loan option it is possible to decide between different installment solutions and duration adjusting the plan reimbursement to your needs, changing depreciation over time if necessary, at no additional cost. With Total Flex you can

decrease the installment amount by extending the repayment plan , or skip one installment a year up to 5 times and postpone payment at the end of the term. Furthermore, if the early repayment of the loan is required, there are no additional costs.

Personal Loan

The last Compass option is Cifra Tonda , with which the beneficiary can choose his own installment   monthly   of financing,   which has an all-inclusive round amount with which the refund is made. With the personal loan Cifra Tonda

the installment is fixed and constant, and the beneficiary is free to choose the amount in round figures he wishes. The only difference is that with this option the maximum amount paid by Compass drops to 20,000 euros .

Compass retired loans: are they affordable?

Compass retired loans: are they affordable?

Summing up, we can say that the Compass retired loans with the sale of the fifth or the range of normal personal loans represent one of the most interesting solutions of the credit market among those present in the Italian territory, by virtue of the dynamism and flexibility of its options, so as not only to access the credit quickly and on advantageous terms, but also to satisfy the different needs of the customers, also meeting the temporary difficulties that may affect the beneficiaries of the loan.


http://www.emsland-aktuell.com/compass-retired-loans/feed/ 0
FINANCING OPTIONS FOR ENTREPRENEURS http://www.emsland-aktuell.com/financing-options-for-entrepreneurs/ http://www.emsland-aktuell.com/financing-options-for-entrepreneurs/#respond Thu, 04 Apr 2019 07:04:16 +0000 http://www.emsland-aktuell.com/financing-options-for-entrepreneurs/


In the financial market, there are multiple credit options which make it easier for you to make your business projects much faster depending on the type of entrepreneur you are.

To start a business from scratch, you can resort to seed credit , which is generated with contributions of money from the same partners, friends or family with a promise of payment in a certain time. You can use that money to start trading or conduct a market study, develop a product, etc. This type of credit ranges from 50 thousand and up to 500 thousand pesos and usually applies to traditional businesses with reduced growth in the short term, for example, a fund or a miscellany.

Another option for small and medium entrepreneurs are the anchors


Through them, projects, ideas, causes and businesses are funded, financed by people interested in these projects. In massive funding or crowdfunding , investors are ordinary people who through a virtual platform can contribute with a small amount of money or up to thousands of pesos. In this type of financing, investors do not buy shares, but inject money and receive a reward when the project achieves its objective. Otherwise, the amount with which they participated is reimbursed to the investor. Funding in this way has taken boom in projects related to culture, arts and gastronomy.

For projects related to technology, innovation or within virtual platforms, such as the development of applications, social networks or Internet companies that demonstrate a minimum operation of two years, there is funding for start-ups . Companies like Facebook and Google like that began their massive growth. One or several investors called angel investors, know a project, are interested and become a kind of patron of it, because when analyzing its medium and long-term scope they realize their potential and decide to invest in it.

Also for companies that start or those that are already established but want to grow more and even become franchises, the entrepreneur can resort to business incubators .

business finance

An incubator will help the entrepreneur to organize and accelerate the growth of the business ensuring its success, since a team of professionals in various areas such as strategic planning, visual communication and accounting advise entrepreneurs and in some cases they sponsor businesses and even promote projects to financial institutions to achieve greater financing. The National System of Incubators , for example, grants up to 70% of the start-up cost for a period of 36 and up to 48 months with a grace period of six to nine months. In order to participate in the incubators, the entrepreneur must enroll in an incubation program, attend the coaching sessions in companies certified by the Ministry of Economy, where he can develop his project, raise capital and start it over a period of twelve months. .

If you have a business within the construction or development of technology, venture capital investment is for you. In this, a consortium or group of several investors injects money in amounts greater than 500 thousand pesos and these investors expect to see a return on investment greater than that which would have low risk investments through the purchase of shares.

Bank credit is more available for those companies that already have some time operating or are clients of the bank and require investments greater than 500 thousand pesos and less than two million pesos. In the last decade, banks have been interested in investing in businesses related to technology and industries such as construction, agriculture or development, because they are usually resources used to acquire equipment and machinery, real estate, patent registration, launch of a new product line and sometimes to invest in working capital.

Other bank credit options are simple credit and reactionary credit

Other bank credit options are simple credit and reactionary credit


The first is used for a specific purpose and is granted through a contract whose payment period is 18 months to 15 years in monthly and even annual terms and includes a monthly interest. The Refactional Credit favors the acquisition of property or its extension and can even cover previous debts on real estate or equipment that does not exceed the year of use. The acquired assets are used as collateral in case of default.

Some of these options that we mentioned can be adjusted to your current need to start, drive or take your business to the next level doing what you like, and thus make money with it.

http://www.emsland-aktuell.com/financing-options-for-entrepreneurs/feed/ 0
THE IDEAL CREDIT CARD FOR EVERY STAGE OF YOUR LIFE http://www.emsland-aktuell.com/the-ideal-credit-card-for-every-stage-of-your-life/ http://www.emsland-aktuell.com/the-ideal-credit-card-for-every-stage-of-your-life/#respond Tue, 12 Feb 2019 07:49:39 +0000 http://www.emsland-aktuell.com/the-ideal-credit-card-for-every-stage-of-your-life/


From the moment we are born until we die, money is present in our lives. One form of financing accessible to most people is the credit card , which, well used, can be of great help to us since we are teenagers until we reach old age.

Usually, as young people, the capital we manage comes from our parents or guardians. They take care of giving us the things we need, from a roof, clothes, toys, trips, etc. The responsibilities grow and when we reach high school, they give us a first sign of confidence by granting us our first plastic, still financed by them, but to some extent, administered by us. From here we will pay tuition, supplies, school departures and some other output between friends. At this time, it is recommended that parents agree with the bank a limit amount within the line of credit that was given to that card to avoid overdrafts, extra payments and interest that may be generated by poor administration. In this stage, the user of the credit card is beginning to build a credit history, therefore, the good use of plastic will be in his future benefit.

In the market there are basic cards with a credit of five thousand pesos for this stage of life

In the market there are basic cards with a credit of five thousand pesos for this stage of life

Some cards also offer some type of insurance, either medical or life insurance, which can be used, especially if at this stage of high school – university, the children decide to emigrate to another state and even to another country.

When the student life ends, between 22 and 30 years, professional life begins, even some already have some distance working for some company or family business and even some others are already independent entrepreneurs. In this phase of life, it is important to become aware of the importance of our financial decisions, learn to control our expenses, it is easy to fall into temptation and want to satisfy our whims by not having many responsibilities. Of course, we must establish a financial plan that includes at least the logical scenarios of the next five years, these can be, travel around the world, grow our company, get married, buy a house, cars and have children; reserve an obligatory percentage of between 5 and 10% of our income for our retirement plan, etc. At this stage, making objective decisions regarding the use of the credit card is essential, since these should be according to our real capacity to pay and with the idea of ​​being a totalero, that is, paying early, on the next date of payment. cutting of the card. Being a little flexible if there are promotions to twelve months without interest of some good that we need and that otherwise could not be acquired at the time. But keep in mind that in this phase of life, we must get used to being total and acquire only those commitments for which we can respond without putting our economy in check.

It is at this stage also when many of us get married and acquire mutual commitments as we agree, for example, the payment of rent and services or start paying a mortgage. The expenses that can generate starting a family, etc.

We are already young adults, that is, we are between thirty or forty and many

We are already young adults, that is, we are between thirty or forty and many

Possibly we have teenage children next to enter the high school or university. We are still paying some debts that we acquired in the youth, such as the mortgage, the life insurance, the retirement, the doctor, our car and that of our partner, including, we could get another auto loan because our first child will need it to get there timely to the university and perhaps we are also paying the insurance of studies of him and the one of his brothers. Now the use of the cards must be moderate and cautious and with the idea of ​​going to finish paying the commitments derived from the use of it and leaving it in zeros. Well you have to anticipate what may happen later.

When you reach the stage of Older adults, the use of the credit card must be very limited. 

12376133 - grandma and home helper with laptop

Since in general, people in this stage of life, live with resources that come from retirement (the pension) and if they were proactive, they can rest assured.
If they were not, any expense of the newspaper will be a problem for them and even if they trust in having access to the credit through the card, this will sooner or later have to be paid. So the use of the card is actually contemplated for a true emergency in this period of life.

In addition to the practical advice for each moment of our life, in general, we must always keep in mind that the card can get us out of a hurry, help us grow, to acquire a good that otherwise can be complicated, but always pay the total amount in the next cutoff date. Avoid entering the minimum payment scheme because this will cause the original cost to increase due to the extra payment of interest.

Remember also that the cash disposition of the card’s fund is not your money, but is part of the line of credit extended to you by the bank, so you have to pay as soon as possible. So if you use the plastic credit, think about how much you can pay next month and only access that.

http://www.emsland-aktuell.com/the-ideal-credit-card-for-every-stage-of-your-life/feed/ 0
YES, IT IS WORTH REQUESTING HOLIDAY LOANS! http://www.emsland-aktuell.com/yes-it-is-worth-requesting-holiday-loans/ http://www.emsland-aktuell.com/yes-it-is-worth-requesting-holiday-loans/#respond Fri, 08 Feb 2019 07:36:47 +0000 http://www.emsland-aktuell.com/yes-it-is-worth-requesting-holiday-loans/

You have a few days off and you need to rest. The best way to do it is to take some dream vacation, either to a wonderful national destination or maybe it may be the time to take advantage and make the trip of your dreams to a distant country because you discovered that a reservation portal launched a great promotion that will only last a few days, but maybe not You have the cash to take advantage of this opportunity.

Is it time to ask for a loan for vacations and give you a taste that will leave you experiences and lasting memories for a lifetime?


According to data from the Ministry of Tourism , 6 out of every 10 Mexican households go on a trip every year. The average expenditure of Mexicans on tourism trips is $ 5,600, and the average stay is 5 days. If you are going to spend part of your income on vacation, it is very important to have a budget that includes transportation, lodging, food and entertainment expenses, and committing yourself not to spend more than
or planned. Once you have decided to do the expense and you have budgeted, it is valid to resort to the credit if you do not have the necessary liquidity at the time the opportunity arises.

There are several credit options to pay for your vacation, one of them is to use your credit card, if your available credit is enough to cover the expenses of your trip. Another option is a bank loan but getting it could be cumbersome and time consuming, including visits to the branch and a lot of paperwork. Fortunately, there is an easier and faster option than online loans.

You can visit the website of companies that offer online credits, analyze the options offered and choose the one that best suits your needs. You can choose the amount of the loans instantly, the payment term and depending on it, see what conditions are optimal for you. Online loans are fast and do not require much paperwork or endorsements, just by entering your personal data you will have an answer. Usually you will know if you got the loan in less than 24 hours and you can start planning the desired trip next to your family, visiting friends, and maybe fulfill the dream of visiting some remote place.

If you are considering applying for a loan online, we recommend the following:

Plan ahead of time what vacation period you wish to have. There are those who prefer to take advantage of the summer and go around the beaches, others prefer spring for the goodness of the weather, and there are those who dedicate the Christmas and New Year period to see their family during these special dates.

Choose a payment plan for 12 months or less. In this way, you will avoid falling into a vicious circle of spending your life paying vacation loans and finish paying one when you have to request another.

Use the online vacation loan only if it is an exceptional situation, that is, your honeymoon, a promotion with no background that you can not pass up, but do not let it become a bad habit to apply for credits at all times.

Analyze the options and answer with all sincerity if you can pay the credit without falling into default or put at risk your economic stability – Be honest with yourself.

Study with caution the term of interest offered by the credit and CAT

interest rate

You can save and when the time comes to travel, if you still need more money, fast loans online are the best option to fulfill your dreams of knowing other cultures and destinations. Use them wisely and good trip!

http://www.emsland-aktuell.com/yes-it-is-worth-requesting-holiday-loans/feed/ 0