An urgent loan was the solution for my dog ​​Sacha

“The urgent loan has allowed us to pay for its operation at a time when our savings were not enough.”

Juan Crisostomo tells you about his experience with unforeseen events that he had to face, but with a very happy ending for his pet.

 

Several unforeseen events came together

The unforeseen almost always comes together. So I applied for the urgent loan: several problems came and the quickest and easiest solution was to contact Best Lenders .

First was the car. I had a suspicion a long time ago that something was wrong, but until white smoke started coming out of the exhaust and there was no other solution, I did not take it to the workshop: almost 1,500 dollars of repair. At that time, we threw away savings, but we were somewhat fair because my girlfriend was getting a dental implant and that had been an extra expense in recent months.

Then the fridge thing happened. It just stopped working and you had to buy another one. Between that and the reduction of hours at work, I started to get overwhelmed. At that point it already crossed my mind to ask for money online, there were many expenses and our income had been reduced.

 

We ask for a credit to operate our bitch

We ask for a credit to operate our bitch

I saw it clearly when we had to urgently operate on Sacha, our golden retriever, due to gastric dilatation. The thing was serious and we did not even think about it. The operation, consultations and medication come out of one eye and our savings did not cover expenses. But all in order to save Sacha. I wanted a quick solution to an emergency situation, I needed money immediately, easily and without complications. And really that is how it was with Best Lenders , I had my money quickly with a simple and effective online procedure.

 

We receive the money immediately

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We were very grateful for the speed of response because Sacha’s life depended on an economic amount and it was necessary to operate immediately. Thanks to the speed of Best Lenders ‘ management, they operated on Sacha the day after receiving the transfer, fortunately everything went well and is now recovering. We love her madly, when you have a pet you know what I mean. She is our partner and had to be saved anyway. She is unconditional with us and we were not going to fail her, much less for a matter of money.

 

Money saved our bitch

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The urgent loan has allowed us to pay for your operation at a time when our savings were not enough. Sometimes everything comes together, life is unforeseen and you have to move on. We can return it comfortably, but the most important thing is that we save the life of our dog.

My girlfriend encouraged me to tell the story on the blog after the Sacha thing because it’s good news and it’s a way to say thank you. Contacting Best Lenders was our option to get ahead and in the end everything went well.

 

In the face of unforeseen events, ask us for help

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Did you like the story of Jose Crisostomo and Sacha? If you also have unforeseen events and you are very burdened by all the expenses, ask for your personal loans in Best Lenders . Our clients tell you how easy and fast it is. And if you want to share your story with us, contact us.

Mortgage: how to build your loan application file.

Borrowing is also a matter of formalities.

Borrowing is also a matter of formalities.

 

To obtain your loan, you will thus constitute a file which you will present to the bank. It contains a whole series of documents and supporting documents. These relate in particular to your marital status, your income (they are used to calculate your debt capacity), but also your property purchase.

When should the file be compiled? Most of the time, you build your file after signing the preliminary contract, the compromise or the promise to sell. However, it is better to anticipate and realize it as soon as possible. You will show the banks that you are well prepared and that you are a serious interlocutor. Remember: financial institutions seek security and appreciate borrowers who pose the least risk possible.

Your credit report must be complete. The bank must be able to objectively assess the different elements of your project. If for example you use profit sharing from your business to increase your personal contribution, you must be able to prove it. Other advice: be transparent and respond well to all requests from the bank.

Anticipate requests from the bank. With a complete and well-documented file, the bank will provide you with a faster response that is better suited to your needs. Finally, don’t forget that your file will be useful to you: all the banks ask for the same documents. To the extent that you will be competing for the best conditions, you will not have to repeat these formalities or complete new ones.

Make copies of all the documents and supporting documents that make up your file. Keep them at home. Most often, banks ask to consult the original documents to ensure their authenticity. They keep the copies and return the originals to you after examination and checks. Other advice: if you borrow two, each member of the couple must provide all the documents requested.

Mortgage: personal documents

Mortgage: personal documents

 

  • Proof of identity: national identity card or passport.
  • Evidence of your family situation: family book, marriage book, town hall certificate attesting that you are PACS if this is indeed the case.
  • Proof of address: EDF receipt or telephone, water bill, certificate from the person hosting you if you are staying for free, etc. These documents must be less than three months old.
  • Your last three pay slips, your last two tax notices, your last three account statements. The bank can thus ensure your good financial health. A key point: in the event of too frequent overdrafts, it will refuse your credit. These documents will also allow him to calculate the amount of your loan. It will take fixed charges from your income (car and / or consumer credit, taxes, etc.). It will then calculate the maximum amount you can spend each month on your reimbursements. If you earn $ 4,000 per month and your fixed costs amount to $ 1,000, it will be based on the remaining $ 3,000. Thus, your due date may not exceed $ 1,000 (33% debt capacity rule).
  • If you are on a fixed-term contract, entrepreneur or self-employed, you must be able to show that your income is regular, generally over a period of three years before the date of signing of the promise or the sales agreement.
  • The documents which justify certain parts of your personal contribution: participation in the profits of your company or profit-sharing, donation, family loans, home savings, etc.
  • To reassure the bank, you can provide documents relating to your potential outstanding loans, including amortization tables showing him the monthly payments you have to pay.
  • You can also communicate the documents justifying your various investments (life insurance for example). The bank will find that you are able to save. Even if these amounts do not enter your financing, the lending institution will consider you with more kindness since you will present solid guarantees.

Do not hide anything from the banker. By playing with transparency you will reinforce his confidence. Above all, you will avoid accumulating too much consumer credit with your mortgage, which can lead you to over-indebtedness.

Credit: documents related to your real estate project

Credit: documents related to your real estate project

 

  • The compromise or the promise to sell, obviously signed. Of course, you have thought about including a condition precedent for obtaining credit. If your loan is refused, you will abandon your purchase and recover the amounts paid. For more information, see the condition precedent of obtaining a loan.
  • The pre-contract if you buy a new home. Again, it will be accompanied by a condition precedent for obtaining credit.
  • If you are building, you will provide a plan or an indication of the areas, an estimate or the construction contract to assess the cost of the project and, if applicable, the characteristics of the loan used to purchase the land. Better to attach the damage insurance certificate.
  • In the former, if you need to renovate the property, you provide a plan or indication of living and ancillary areas before and after work, an estimate of the cost of the work, the construction date of the building.
  • The technical diagnosis file in the old one and the energy performance certificate given by the promoter or the builder in the new one.
  • In the case of a bridging loan, the bank will ask you for the title to the property you are selling to buy your new roof, one or even two appraisals and, if necessary, the loan contract attached to this accommodation with the amortization schedules. 

Once your file is complete, the bank examines it and gives you its response. The deadlines depend on the nature of your project. They can be longer if, for example, you have to complete certain administrative formalities such as obtaining your building permit in the event of the construction of a single house.

How do you choose the best loan?

The need for extra money usually appears suddenly and forces you to act quickly. There is no time to browse dozens of loan company offers because we need money immediately. So how do you find a loan and not lose it?

The payday loans market is growing every year, and every day we are flooded with offers of short-term loans on promotional terms. However, when it comes to using the lender’s services, we often don’t know which offer is right for us at the moment.

Easy access to extra cash

Easy access to extra cash

The instantaneous cash flow can be obtained as an ID card, without waiting for verification of documents or the need to provide employment certificates. The ease with which you can earn extra cash means that we can sometimes click on confirmation of taking out a loan without first thinking about it. This is largely due to changes that have taken place in recent years in the loans and credit market.

In the past, financial liabilities could be associated with a visit to the bank and a meticulous process of verifying us as potential borrowers. Especially with larger amounts, it was necessary to provide the bank’s branch with documents, such as an employment certificate, based on which the bank assessed our creditworthiness.

Today, the conditions for obtaining a loan are radically different, and we can get additional funds on the account without leaving home. Everything is done online.

How to take a loan online?

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The entire procedure of taking a loan online is simply very easy. All you need to do is select the amount and repayment period that interests us on the website of the online loan company. In this way, the system will calculate convenient installments that will not burden your home budget too much.

Then we provide personal data, and the only document we need to have with you when completing the online application is your ID card. Most forms for online loan applications are extremely uncomplicated, and following the next steps will be handled even by a person who does not have daily contact with such applications.

The last step is to wait for the transfer of funds to the account indicated in the online application. Currently, thanks to the latest technologies and automation of the entire process, money can appear on the account in as little as fifteen minutes.

How to choose the payday offer properly?

How to choose the payday offer properly?

However, we return to the initial problem, i.e. the hasty nature of our decisions in a crisis situation. If our car breaks down, which we commute to work every day, or the TV breaks down before which we like to spend nice evenings together, the first thought is the need to find money to repair or buy a new product.

Often in such moments, we act impulsively, choosing the first loan offer that will be displayed to us in Google search results. This does not mean, however, that we have just found the best offer. Therefore, before making a quick but binding decision, it is worth getting acquainted with a wider range of online loan offers.

The so-called comparison websites and all sorts of current rankings that suggest where to use the payday loan offer at the given time. Companies competing with each other on the market often introduce various types of promotions, e.g. in the form of a free first installment or a low loan interest rate. Therefore, a few minutes of visiting such a website are enough to find out which offer is optimal for us.