Skip to content

What is a flat-rate guarantee?

A lump sum guarantee of a loan insurance contract is a guarantee only based on the maturity of the loan. Regardless of the insured person’s loss of salary or reduced income, the maturity of the credit is entirely covered by the insurer (depending on the insured portion selected).

Simulation, Quote, and Comparison of Credit Insurance

credit Insurance

This method of indemnification used for individual insurance contracts is to be preferred over indemnity guarantees found in group contracts.

More on the flat-rate guarantee

money flat-rate

To obtain a mortgage and to guarantee it, you must subscribe borrower insurance. This insurance is of a duration equal to that of your credit and allows the assumption of the total or partial refund of your monthly payments in the event of death, invalidity, incapacity of work or unemployment. Only death and disability guarantees (Total and Irreversible Loss of Autonomy – PTIA), which are the basic guarantees of a loan insurance contract, are most often required by creditors. Depending on the type of contract, the guarantees can be indemnity or lump sum.

The indemnity guarantee is the type of guarantee that can be found in group banking contracts for partial or total permanent disability (IPP or IPT), total temporary incapacity for work (ITT) and loss of benefits. employment. The compensation paid by the insurer depends on the loss of income of the insured and the benefits paid to him by the social security and other supplementary health insurance organization. Thus, in the case where the loss of income is covered by the payment of social benefits, the insurance company does not pay any compensation.

The flat-rate guarantee makes it possible to be compensated (e) of the entirety of the monthly installment of the credit, according to the assured quota. The loss of income of the insured person is not taken into account. This is why this method of reimbursement, used in insurance delegation contracts, is to be preferred.

The word of the broker

The word of the broker

In addition to the benefit of the flat-rate indemnification of the individual insurance contract guarantees, the insurance delegation offers you the possibility of benefiting from a tailor-made contract and considerably reducing the cost of your credit insurance compared to the contract of insurance. insurance group of banks.

How to get a payday loan on the cheap Internet?

How to get a quick mini-credit online?

Has it ever happened to you?…

That you have paid all your bills and your monthly budget seems to be on track …

But then, your car is damaged unexpectedly during the journey of work and now you must pay a considerable bill that was not in your budget.

Do you know what to do in such a situation?

At Loans site, we have the perfect solution with our payday loans online.

You just have to enter our Mini-credit comparator and choose the one that best suits your financial situation.

Fast money online is a revolution

Since the refusal of banks a few years ago to grant loans.

A new idea emerged that was to create companies that will finance the needs of people through the network.

And that the money can be requested from home and without having to move from the sofa.

Currently, we can get the money from anywhere, wherever we are, thanks to the Internet.

Do you want to know how to order a quick mini-credit online without having to pay interest? 

Why apply for a mini-credit?

Sometimes you need cash urgently, and fast, for a situation like the one I described above.

A broken down car, medicine to buy or an expired service bill.

There are many situations that can be presented to you, and that are not in your monthly budget, and that you must cover quickly.

The minicréditos have been created basically for this class of situations that are emerging, that requires little money and that are eventual situations.

So today in this post we recommend that you use this financial service.

How to obtain an agile mini-credit on the Internet?

Our goal is to make the application process as simple as possible.

And we are going to facilitate the steps that you must do in order to request a quick mini credit.

As you already know, the procedure is 100% online, so you will not have to move from your home or office to start the application process.

And these steps are the following:

Go to our mini-credit comparison

On this page, you will find a section where you will find mini-credits.

In this section, a comparator will be displayed with all the mini credits that we have at your disposal, in which you will be able to see and compare the rates of all the products.

Choosing or selecting the product that best suits your financial need.

Choose the amount and the repayment term

Once you have chosen the most convenient product.

You will choose the amount and the term to return the credit by means of the calculator (in this step you will see what you will pay finally for the mini credit).

Generally, with some lenders, you will get an amount of up to 1,000 euros and a repayment term of 30 days 

Fill out the lender’s form

In this step, you will have to fill in the application form of the lender you have chosen.

Normally, the data is:

  • First name
  • Surnames
  • ID
  • Birthdate
  • Phone number
  • Email

And accept the terms and conditions of the privacy policy of your personal data.

Next, you click on the “send” button.

Wait for an approved or denied your mini-credit

After sending the form an agent will contact you to notify if you have approved or denied the mini credit.

And in case of being approved, it will present the conditions and you decide to accept it or not.

Receive your money

The last step after accepting the conditions of the small loan is to receive the deposit to your checking account.

Depending on your bank, this movement can reach you in just a few minutes.

And you can solve your urgency of cash.

As you can see, the procedure is quite simple, with no need to leave the house.

You only have to have a mobile device, tablet or computer with Internet access and follow the steps described above.

It’s not that difficult, right?


You can also use our Credit App

A newer option is that of the Credit App.

With the growth of users who use their mobile terminals to access the internet, mobile applications have been created to request financial products.

Although it is true that in Spain there are still not many if we can count on a few of these Apps

We encourage you to know our App, a completely free mobile application that offers you access to more than 250 financial products.

Nowadays, using an App to borrow money is very fast and convenient.

Times are changing thanks to Fintech technology, now it is easier and more comfortable than a few years ago.

Fast and cheap money online

As I have said on other occasions, fast money is the new form of financing that is currently being used most in our country and in many others.

The mini-credit is designed to solve specific cash problems, and do it as quickly and without problems as possible.

These are loans that do not exceed € 1,000 and are returned within a maximum period of 30 days.

In some entities, these 30 days can be extended for another 30 days, in case we are facing a problem of not being able to return the money on the established date.

The requirements to apply for these loans are far from the inflexibility of banks.

They are so flexible that even people who are registered on delinquent lists are financed, as long as their debts do not exceed € 1,000.

To choose the best loan, and knowing is the one that suits you, it is not advisable that you stay with the first option.

It is good that you compare between several products, in addition, it is also recommended that you apply for the loan to several different lenders.

To choose among those who accept financing, the best one according to your economy.

For this reason, in Rat, we have made a selection with the best products in the online market.

With which you can request from our website mini-credits to different online financial.

And receive the answer in a few minutes, without having to be looking in other websites or go from lender to lender.

We have placed them all together so that you can obtain your urgent money as easily as possible. Do not hesitate to make your request.


Since the Internet came to our lives, the change we have suffered has been great.

So big and so exaggerated, that many of us no longer remember what our life was like before the appearance of the internet.

Getting a quick mini credit online today is possible, and this is thanks to new technologies and new online lenders.

You know, when you need little money you urgently request a mini credit, even the same day you can enjoy the money to cover any economic emergency.

Six Advance Loan Tips For You

Even a small financial demand can cause a lot of strains

No fax payday loans can perceive as a real savior when such crises, particularly in between paydays.

Always shop first, if on Internet, even easier. There are online applications, so be careful, not entitled to apply for one to this point. Just get free from the day. If you apply but the job close payday loans a discount with that lender, the details are equally registered on your credit track record.

The government realized which were found that usually very harder to compare one loan payday loans a brand new. Some lenders choose a low-interest rate and high one time fees even though some charge low fees and high interest offers. How can you compare them apples to apples?

The repayment date is fixed on the day when are applying for the loan

Normally it will be the day you get your next paycheck. Purchase either squeeze in a post dated check insect killer loan amount is deducted from your bank account directly about the due evening. If you cannot pay on time then action can be sought by speaking towards the lender. Because the case, a limited amount of fee is charged within the existing expense. If you have an incredible repayment history, then you may get a higher loan quantity of. So keeping a good payback record is very important. Paying back on time also aids you to avoid any extra charges. A persons vision rates are already very high for cash advance payday loans and so an additional fee will mean a hefty amount on your payday.

Through the aid of text payday loans, you can get cash approximately 100 for your period of 7 days. The money amount is small hence it is provided for a little period of time. It can be used for any vital must. So, go for the loan and yourself to solve the fiscal conundrums without making any delay.

These loans also carry high interest rates. If you never pay it back right away or while you get their paycheck, merchants also just wind up paying twice the amount of your lend.

Applying traditional loans means huge paperwork, documentation and plenty of papers with regard to fax. How nice it’s going to be if one can get cash quickly and easily? This can be possible with payday loans today no faxing. This payday scheme is the best selection to get cash for one’s short-term needs in order to pay off pending bills, to pay utility bills, to meet your typical expenses, for the tuition fee of your child, fulfill medical expenses and much more. Some expenses in life are not avoided till next payday; you will have to look to intermediate to help meet such expenses. Applying for these loans are how to get fast cash.

Ideas In Acquiring A Boat Mortgage

After you are acquiring fast funds via this mortgage, you can fulfill your economic no credit check needs in the least possible of your time. You can utilize money for many reasons whether it may be for power bills, medical bills, telephone expenses, mobile expenses, wedding costs, unpaid grocery bills along with other utilities.

One of the desires for many people have been to own their very own fancy boat for their household to take away on weekends. It, unfortunately, is almost painful but can still be done. A method to achieve this dream is to buy repossessed boats from liquidators. It will be a cheaper deal, rather than buying a new one. Follow this advice to gain the best deal feasible for you.

While considering different personal loans, be sure you check out the total amount repayable. Some people decide to compare in relation to boat loans bank of America alone. However, this doesn’t always give you an accurate look at how much the loan will really cost you. It’s a better idea to look at the total amount repayable to the lender. This gives you a look at the entire package. Frequently it’s best to choose the loan with the lowest total amount repayable.

Whenever applying for a boat mortgage, keep in loans for people with poor credit mind that there are three varieties that you can avail. First could be the fixed-rate loan which is ideal for most people’s requirements. Throughout the duration of the mortgage repayment, you will be paying the actual amount for each payment time period. The second one is a loan having a variable rate. In this home loan option, the rate will vary for each transaction period. If you get this kind of loan, be prepared to pay higher than usual. The third type of motorboat loan is balloon transaction which is usually catered to the people who are intending to trade-in their own boat in the future.

Is actually quite apparent that vehicle buyers would prefer low price loans. But not all of them realize that there are ways to influence on mortgage terms. Several important factors have been in a direct relationship with the degree of interest rates and by manipulating these types of factors you can reduce prices on your loan.

2) Include all costs in your budget: when planning your financial allowance, you must include all expenses that come with owning your own repo boat. This can include monthly payments to your boat loan rates 2015 plus additional maintenance expenses. Save at least 30% to 40% for maintenance costs.

First, take some time to think about your current credit situation and private finances. There are many services that provide free credit report analysis. You need to thoroughly examine your credit report. Search for any discrepancies or unfavorable postings. Work tirelessly to fix them.

Next, you are ready personal cash advance loan to obtain pre-approval for your loan. This can only take a short time in order to fill out the application and as small as 24 hours to get a reaction. Now, you are ready to search for the boat of your desires.

Selecting The Right Chiropractor

The particular Atlanta running community begins its summer season with a number of road races. These occasions are traditional ways with regard to non-profits to raise money for charities. Serious runners are aware of the cityEUR(TM)s Peachtree Street Race and the Atlanta Fifty percent Marathon, but there are lots of smaller events for leisure runners of different levels. Listed below are several events that are planned this summer on the north part of town. So get the running shoes and select an event to support.

Donate your older college clothes; you can deduct the wholesale fair their market value. Also, consider donating your own old computer or vehicle at the end of the year for more significant deductions.

Healthcare costs can be deducted when they exceed 7. 5% of the AGI. These costs range from many things you might not think about: diet programs, eyeglasses, a class to prevent smoking, acupuncture and how chiropractic medicine helps braces. See IRS Syndication 502 for a full listing.

Boosting self-assurance and improving your mental skin image – going to a spa, spa or wellness center implies that you take care of yourself in a complete way and also become familiar with your body better. This, in turn, enhances self-esteem and helps you enjoy your own body.

Medicare finds out too many errors that are manufactured by ‘the doctor’s staff’ workplace staff and had refused to pay for unless it was corrected and after that resubmitted it.

Are you fed up with feeling tired? Are you sick and tired of your lack of energy? Are you fed up with being sick? If you are looking over this then you must be. People are about to die of cancer, dying associated with heart disease, living with diabetes, plus Alzheimer’s, and numerous other circumstances. There is an epidemic of weight problems with no end in sight.

It’s right on the particular Cote d’Azur in the position between Cap Ferrat plus Beaulieu Sur Mer, using its own private little seaside. Larger and more spacious compared to Petit Nice-Passedat it has an enormous outdoor swimming pool, beautiful landscapes with luxurious Mediterranean plant life, lovely comfortable rooms, the cocktail bar and 2 great restaurants – one particular inside and one outside. The particular staff is lovely. The place, in this tranquil part of the coastline, is terrific. It’s close to Nice and near to Monaco, plus Cap Ferrat and Beaulieu Sur Mer themselves are beautiful little places with gorgeous coastal paths and advanced but relaxed little dining places on the marinas.

Anti-aging diet care is vital in order to maintain youthful looking epidermis for the rest of your life. The old saying we are what we eat is very a lot real.

Another active method for back pain avoidance is the periodic use of the massages. Massage chairs may be used to reduce low back discomfort, but also can be used as part of the warm-up and warm-down routines to ways to prevent back injuries. Massage chair comes with a variety of therapies to assist the body. In addition to numerous massage therapy therapies, massage chairs also provide heating elements, traction techniques, and music players.

As long as it actually is administered by a licensed and even certified physician, BOTOX injections secure even for the twenty-somethings. Nearby already know this substance is a neurotoxin made from the botulinum contaminant.

Maintain the burned area away from the sunshine at all times. This is the most important in order to not damage the skin further. The skin is incredibly delicate after a burn off and UV exposure can damage more tissue resulting in results such as premature aging.

One of the most effective acne skin care tips that anyone may receive is to learn that they need to bring their inner entire body back into balance. It’s a good overabundance of hormones inside your system that is directly leading to your skin to be oily, along with causing bacteria and lifeless skin to clog your own pores. Once you get rid of the human hormones, you get rid of all outbreaks.

One way to strengthen your own abs while working on your personal computer is to use an exercise ball otherwise your chair. Yes, you noticed me right! In fact, We are sitting on my workout ball as I write this short article.

A hurting or injured back can a be very serious problem. If you do not care for it, it can turn into an incapacitating condition. Recovering from back soreness can be difficult, so it is wise to prevent it if at all possible. If you do get it, you must know how to properly address it. The ideas shared in this post will help you to both avoid plus treat back pain.