Loans and loans with reversibility pension 2019

Transfer of the fifth on the survivor’s pension and Government Agency loans with the survivor’s pension under the social security agreement

Transfer of the fifth on the survivor’s pension : is it possible to obtain it? And, if for those cases in which the answer was negative, are there alternatives to the loan with survivor’s pension ? The answer is positive for everyone! That is, it is NOT always possible to transfer the survivor’s pension, however, in those cases where it is not transferable, alternative solutions exist. Let’s proceed with order, seeing in which cases it is NOT possible to implement the assignment of the fifth on the reversibility pension, being careful to distinguish the reasons inherent in the assignment as such, with respect to those of the reversibility allowance.

Government Agency loans with survivor’s pension under the social security agreement.

Government Agency loans with survivor

With the aforementioned sentence we indicate the transfer of the former Government Agency now affiliated with social security. First of all, as per general rules, no pension can be sold, including reversibility, when the monthly received, net of the deduction, falls below the minimum threshold which for the current year 2019 is set at 513 euros. Then, it cannot be sold even if the survivor who is the survivor has reached a certain age which varies according to the repayment period that you want to choose or that you are forced to accept. To learn more about

the latter aspects, we recommend loans for retirees over 90 years without assigning a fifth.
NB: the cases just described are implicit and foreseen by the regulation of the transfer of the fifth (law nr. 180/50). Now we see in cases described by the rules provided for the reversibility check and which in any case compete with the previous ones.

Still on the transfer of the fifth on reversibility pension.

Still on the transfer of the fifth on reversibility pension.

We have other cases where the survivor’s pension cannot be transferred. A first case concerns the hypothesis of the joint account, e.g. the surviving spouse with one or more children: well, with the joint survivor’s pension it is not possible to transfer the fifth of the same. Another case concerns the concept of temporal stability in the provision of the check. To make this clear, let’s take an example: the case of the surviving university student son who, at best, will cease to retire at the age of 26, is classic. Also in this case, he will be refused by the affiliated body. More information on loans with survivor’s pension. If, ultimately, you fall into one or even more of the aforementioned hypotheses, you can try to access a certain loan with a reversibility pension through the alternative system that follows.

Loans with survivor’s pension.

Loans with survivor

The only alternative system for obtaining a loan with a survivor’s pension outside the assignment of the fifth is that of a personal loan. The latter, unlike the sale, bears the call of a third party guarantor who, if necessary, can guarantee the entire financing operation. Not only. With a personal loan we can obtain total sums that are almost double the transfer as we can reach 35-40% of our pension: it depends on the amount of the same! In addition to the guarantor, it is finally possible to bring other forms of guarantees such as the real estate ones.

Credit with 800 USD income – Avail now!

Would you like to take out a loan with an income of 800 USD? Do banks already show you the cold shoulder in the application conditions?

Don’t let yourself be chased into fenugreek. Credit that a borrower can demonstrably afford always holds a chance of approval. We accompany your loan request with the information that could ultimately help you to obtain the desired loan.

Credit with 800 USD income – starting point

Credit with 800 USD income - starting point

Employees who earn little income are more often dependent on credit. Nobody expects a loan with an income of 800 USD is designed to buy a house or a luxury limousine. Within these dimensions, it would be unrealistic to be able to repay the debt with a small income. Seriously granted low-income loans can only achieve a limited credit volume.

In spite of serious credit requests, prospective customers often do not find a positive response from banks. It is not uncommon for the application conditions to state that only a minimum income of well over 1,000 USD qualifies for the loan application. The reason for this is the obligation of regular credit institutions to grant installment loans only if the lending is to be classified as absolutely safe.

Requests for credit despite the fact that they cannot be attached, such as a loan with an income of USD 800 per month, do not necessarily allow secure lending. On the other hand, given today’s low interest rates, there is no prospect of profit to take risks. A bad debt allowance, as in the past, hits lenders hard. In the stress test, every risky loan jeopardizes access to cheap Cream Bank money and at the same time scarce profits.

Regular low income loan

Regular low income loan

Even with banks that exclude lending with unencumberable income across the board, there are chances of an installment loan with only 800 USD net income. The door to the loan application does not open your own income, but a solvent co-applicant who meets the requirements of the credit institution. In the case of a loan with two people, both incomes add up. The first hurdle has been overcome.

The credit process should also not pose any problems due to the jointly good credit rating. The audit program confirms safe lending through joint liability. Combining credit with 800 USD in income and low interest rates would be achieved. Those who actually repay the loan from both borrowers are of no interest to the lender as long as the payments are made in accordance with the contract.

Credit model – discover innovative credit solutions

Credit model - discover innovative credit solutions

Not every installment loan offer comes from an independent bank. Some credit institutions mainly work with a department store chain or mail order company. These finance companies are more flexible with regard to the safe amount of work to be proven, in adequate amounts. Your task is to promote sales through “easy” lending.

As a rule, the requirement is that a secure income is available. The proof of income only has to show that the sum is sufficient to actually pay for the goods. In addition, the Credit Bureau must be clean. A good customer history would be an advantage. Past invoice purchases were always paid on time. With such a positive sign, the loan with 800 USD in income, as a department store loan, is probably no problem.

Another option would be borrowing through credit card companies. From about 600 USD net, with a clean Credit Bureau, the “real” credit card is not a problem. Credit is available within the credit card framework, usually $ 1,000 – $ 2,000. If necessary, the loan used can even be paid back in installments. – The disadvantage of this way out of the credit crunch is the high interest rates for credit card overdrafts.

Small income – lightning credit with 30 minutes payout

Small income - lightning credit with 30 minutes payout

With a lower income, the liquidity is lacking due to the adequate overdraft facility in order to simply compensate for higher payment obligations. If the overdraft limit is reached, the house bank does not offer an uncomplicated overdraft facility to solve the liquidity problem. In order to be able to pay the electricity bill on time, for example, small loans were usually sufficient.

Specialists, such as Best Lender, built their business model on the need for quick liquidity on a small scale. Credit with an income of 800 USD corresponds exactly to this target group. From a monthly income of 500 USD, borrowers can qualify for lending. New customers can apply for 100 to 500 USD with a term of 30 days for their first application. After the first successful credit business, Best Lender increases its offer.

Existing customers, provided they have sufficient creditworthiness to lend, are likely to take up to USD 5000 credit, repayable in a maximum of 6 months. Even a loan payment within 30 minutes would be possible. However, the flexible loan offer should not lead to personal overestimation. “Fair play” means that borrowers only borrow as much as they can actually repay on time.

Installment loan with low income – private donors

Installment loan with low income - private donors

A serious loan offer for credit with an income of 800 USD can not only come from credit institutions. Fair credit offers from private donors are always considered when the offer of the banks is insufficient. Best Lender sets the lowest hurdles for the low-income loan.

Best Lender and Good Finance are regarded as the market leaders in serious credit brokerage from private to private. A loan application is made on one of the credit portals. Best Lender does not require a certain amount of income to apply for a loan. However, fair play also applies to loans with a personal income of 800 USD. Only credit that the borrower can safely afford should be applied for.

Credit without fees – Apply now!

Many direct banks have been granting credit without fees for years. Modern credit procedures are no longer as personnel-intensive as they were 25 years ago. The waiver of fees was a logical consequence of customer-friendly loan offers.

Instead of waiting for the processing fees to be banned in 2014 according to the Best Lender judgment, online providers reacted proactively. Since around 2010, more and more direct banks have been removing processing fees from the loan terms.

We recommend borrowers to look at the total cost of financing instead of processing fees. The effective annual interest rate is particularly meaningful and easy to compare.

Loan without fees – reclaim fees paid

Loan without fees - reclaim fees paid

The Federal Court of Justice issued important judgments in May and October 2014 for dealing fairly with consumers. Processing fees for personal loans are not permitted. For borrowers who have paid processing fees for lending in the past, it is worth taking a closer look at the old contracts. Banks previously charged fees of between 1 and 4 percent of the loan amount.

Thanks to the deadline extension decided in October 2014, borrowers can now reclaim these fees for 10 years retrospectively. In another proceeding against the Lite Bank, the Best Lender decided again on February 16, 2016 in the interest of the consumer. Even the state development bank previously did not offer a loan without fees. Disbursement was called the required fee of 4 percent of the loan amount.

Borrowers can now also reclaim this money, but not retroactively as long as with private consumer credit. The court sets June 11, 2010 as the deadline for claims for recovery. Only loans that were taken out after the cut-off date will be made retrospectively free of charge by the judicial decision.

Credit without fees – so you will find the right offer

Credit without fees - so you will find the right offer

With a focus on overall loan costs, the free loan comparison is the perfect way to finance quickly and cheaply. Only three anonymous entries are necessary to carry out an online loan comparison. The loan calculator needs the desired loan amount, the planned term and the purpose. The loan comparison shows real-time loan offers in real time.

The effective annual interest rate gives a first impression of whether a regular loan is cheap or not. The representative example is more interesting than the advertised entry interest rate. It shows which interest rate 2/3 of all borrowers actually pay for the offer. With normal creditworthiness, instead of looking for credit without fees, it is worth having preselected interest rate offers that are independent of creditworthiness.

Effective interest rate independent of creditworthiness means that all borrowers who have sufficient creditworthiness to lend receive the same interest rate. Apart from people with excellent credit ratings, the credit-independent loan interest rate almost always offers the best value for money. This has a particularly clear effect on loan amounts of up to 3,000 net loans.


A current example would be Cream Bank small loan at an effective annual interest rate of 1.99 percent, regardless of creditworthiness.

Credit agency fees – does the Best Lender ruling have an impact?

Credit agency fees - does the BGH ruling have an impact?

People who have problems with lending but still don’t want to pay an intermediary are also looking for a loan without fees. Understandable, especially when there is a shortage of cash, everyone would like to save. If the ruling had an impact on the agent’s fees, many borrowers would be grateful. But, unfortunately, the brokerage fee is a brokerage fee according to $655. It is not a bank fee.

The judgment only refers to the processing fees of the banks and not the commission of the intermediary. The basis of the payment obligation is the loan brokerage contract. It must be completed in writing and only obliges to pay the agreed fee if the mediation was successful. The deadline for proof of success is the expiry of the cancellation periods. – Then the credit is already in the account.

Nevertheless, it is not necessarily certain that the agent’s fee bill will be in the mailbox after a successful loan brokerage. Prominent examples show that banks not only pay the commission, but even pay the agent himself. An example of this is the loan without Credit Bureau from abroad and another publicly funded loan through intermediaries.

Credit Bureau-free credit without fees – Cream Bank pays the fee

Credit Bureau-free credit without fees - Cream Bank pays the fee

When it comes to loans without fees for the intermediary, neither banks nor credit intermediaries like to be looked at in the cards. Ultimately, what matters is what was agreed in the agency contract with the borrower. Nevertheless, several offers prove that a commission payment at the expense of the borrower is avoidable. The first example would be the Lite Bank loan.

Lite Bank promotional loan (151) cannot be applied for directly, but only through a commercial bank. Lite Bank’s current offer is: 0.75 percent effective interest for anyone who is qualified for the loan program. In order for an intermediary to be worth his money, his offer must be cheaper. It will be cheaper than the official interest offer if the bank, intermediary and borrower share Lite Bank’s commission. It is included in the 0.75 percent.

Another nice example is the direct application for a bank loan without Credit Bureau from abroad. The loan application can be made through an intermediary or directly to the bank. Without an intermediary, it is a loan with no fees for brokering. The bottom line is that the direct loan on the cent costs just as much as the same loan through a reputable broker.