Choosing Your Credit

Looking to make your first investment and you need a credit to finalize it? You do not have special knowledge and you want to know the different elements to choose your credit? Here are some tips to get started!

The different types of credit

You must know before you start that there are several types of credit to finance your projects. In particular, there is the consumer credit category: auto loans, credit loans, personal loans and revolving credit.
Each loan responds to a particular need: the car loan to buy a new or used car, the credit work to do for example enlargement works or insulation of your property, etc … The personal loan him , may be used as the name suggests, to fund personal needs, no proof will be required at the time of contraction. There is also real estate credit and microcredit, the first will finance the purchase or recovery of real estate and the second will allow you to borrow a small amount.

Choose your credit

credit loan,money cash

Once you have determined the credit that fits your needs, it is important to identify a few items before subscribing.

The first item to analyze is the total cost of the loan


The total cost includes interest on credit, insurance, administration fees, etc. Most comparators use this information to provide you with the most interesting offers on the market. It is very important to find a low to choose your credit, but in some cases the application fees will vary from the simple to the double of one financial organization to another. Remember to negotiate some facilities with your bank! When you choose a credit, you agree on several years, inquire beforehand on your different rights in case of late payment of monthly payments, prepayment, etc … Find a cheap consumer credit or a Real estate credit is not obvious, it is important to choose the right type of credit and compare the different offers of the market taking into account the different elements above to find credit at the best rate.

Published 2015 call "Torres Quevedo" and "Industrial Doctorates"

“The Secretary of State for Research, Development in Innovation has published in the Official State Gazette the calls for grants ‘Torres Quevedo’ and ‘Industrial Doctorates’, endowed with 18 million euros.

Image result for torres quevedoBoth calls contribute to the hiring of doctors in companies and aim to promote the professional career of researchers, as well as stimulating the demand in the private sector for personnel sufficiently prepared to undertake R & D plans and projects, and to help the consolidation of companies. recently created technologies. The call ‘Torres Quevedo’ will finance the hiring of 200 doctors in companies for 3 years, which represents an investment of 15 million euros. The call for grants ‘Doctorates Industrial’, endowed with 3 million euros, is aimed at the training of 50 doctors in companies, also constitutes a preliminary step in the consolidation of doctors in companies, having a way of continuity and stabilization with their own helps ‘Torres Quevedo’.

Application deadlines:

Torres Quevedo Grants: from February 2, 2016 to March 1, 2016 at 3:00 p.m.

Grants for industrial doctorates: from February 4, 2016 to March 3, 2016 at 3:00 p.m. (Peninsular time). “

How to reduce your expenses in summer

Image result for summer expensesIf your family is similar to the others, there is a good chance that your summer has cost you something expensive . You have been abroad or in Spain, it seems that in summer the money vanishes from your portfolio. From meals to dinners, to family activities, it seems that our expenses have no limit.

Almost 22,000 households participated in the International Summer Barometer of the Ferratum Group 2018 , a survey that studies the consumption of 18 countries around the world in the summer holidays. In this year’s edition, 26% of respondents said they expected to spend more money this summer than the previous one, while 40% said that the expenditure would be the same as the previous year.

Although we are beginning to face the last weeks of summer, there is still much sun to enjoy . But will your balance in the bank survive? Relax, at Ferratum Money we have a tip for you.


We know what you’ve spent money on in the summer

When asked about the percentage of the monthly salary they were going to spend , the results showed that Norwegians would use 68.5%, Latvians 67%, Croats 61.2% and Mexicans 60.3%.

And on what do all that money spend people? According to the results of the survey, the main expense would be domestic trips (11.3%) , followed by fashion purchases (10.7%) and social activities, such as trips to the beach, parties and meals in restaurants (10%). .

Those who planned to travel said they would dedicate almost 40% of their average summer budget to it. More specifically, the German participants claimed that 50.8% of their budget would be spent on travel, the Bulgarians 45.8%, the Finns 41.1% and the Poles 40.1%.


The best things in life are free

Summer should not cost you an eye of your face. If you have spent more than expected this summer, like many other families, the best way to reduce your expenses is to look for free activities (or almost) that you can enjoy with your family.

Prepare your own meals and take them to a park to enjoy with your family in a relaxed way. And if you do not want to stop going to cafes and restaurants, check out our tips for cheap dining out and about .

Summer is synonymous with going to the beach. And the best thing about going to the beach is that it does not cost money except, perhaps, the price of transportation. Take advantage of these last days of heat to the fullest, then in winter you will miss them.

Discover activities or monuments near your city . As you can imagine, the trips by car or train around you are much cheaper than a trip abroad. In addition, museums and galleries in most cities offer free admission on certain days of the week or at certain times. Take a look at their web pages and take the opportunity to visit them.

And go to the cinema? Truth be told, it’s still very expensive, and not only for the price of the tickets , but for everything that goes with it: popcorn, drinks … you end up going for a peak. Instead, why not rent a movie in iTunes or see one of your favorite platform and buy, much cheaper, all the food you want?

What do you need to know to take out family health insurance?

Image result for health insurance

“I can not think of any childhood need as strong as a father’s need for protection.” Sigmund Freud


When we consider something as important as the health of our family , we must take into account many variables. There are a number of important aspects of which it is necessary to look at when choosing a health insurance for the family. In addition , many insurers make special discounts to insure the entire family group . Below we answer some of the questions that you can think about when making this decision:


  1. What coverages does family insurance have?

Before hiring any family health insurance, we recommend that you analyze all the coverages offered by each one of them , and not only the most basic but also the most innovative and leading in the market. The generic coverages of a family health insurance are the following:

  • You can go to the best centers and medical specialties with 100% coverage and without limits.
  • You have multiple payment options : you can pay annually or quarterly with a discount; or, if you prefer, on a monthly basis .
  • It includes dental insurance for a small additional amount for each member, being able to access thousands of clinics throughout Spain.


There are other specific coverages that a family health insurance offers you, such as the following:

  • Prosthetic coverage without limit.
  • The most advanced diagnostic means in the market .
  • Travel assistance with medical, surgical, pharmaceutical and hospitalization expenses covered up to a variable amount according to the insurer.
  • Organ transplants
  • Emergency access, general ICU / UVI or pediatric without limits.
  • Free Choice of a multitude of doctors and clinics.
  • Hospitalization 100% included


  1. How much does this type of insurance cost?

In the different insurers usually make special discounts for the family group , as we have previously anticipated. These discounts may be higher depending on the type of payment : annual, quarterly or monthly.

In addition, in some cases they require a small additional amount for special coverages such as dental coverage . They do not include co-payments, so they always have a fixed fee that does not increase with the greater or lesser use of healthcare.


  1. How to know if family insurance is the best for my family?

A family insurance is ideal for parents who want to have medical coverage for the whole family in case of any eventuality or unforeseen event that may appear. In addition, you can enjoy the best private centers without waiting lists and with a fixed fee .


As we have already said, if you are thinking about traveling with your whole family this holiday, this type of insurance will give you and your family enough protection against any problem that may arise when you are enjoying your family leisure. Make sure and just think about resting.

Auto loan for bad credit

Are you looking for a new car? Do you want to refinance your current vehicle? Did you know that you can guarantee your vehicle for a personal loan?

In terms of financing, there are many things you can do with a vehicle. But what role does your credit score play? First of all, you must know that many people have a credit score that is far from perfect, and many of them manage to find financing for their vehicles. You would not be the first Canadian in this situation and in reality when it comes to auto loans, your credit rating is not the most important thing.

The main advantage of a car loan is that the car itself serves as collateral against your loan. As a result, the lender is protected in case you default on your loan. So, you will see that no matter what your credit rating is, you will always have options. In addition, as we point out here in Quebec, a lender always looks at your financial profile as a whole of the various factors that make it up. Lenders do not focus exclusively on your credit rating, which is one of many factors used to evaluate your application. That being said, we can not ignore the fact that your credit rating is usually a good indicator of how you are responsible for your debt. Still, many people face bad credit because of unfortunate circumstances, but since everything is listed in your credit report, there is a good chance that your lender will look beyond your credit rating and grant credit. importance to other factors (such as income or your debt ratio).

It is also important to mention that a car lender is much easier to manage than a bank. Banking institutions are bogged down by various rules and regulations because of their size and the sheer volume of volume they receive, but smaller car lenders can offer a more personal experience in terms of auto financing. In other words, you can avoid all the headaches caused by financing from a bank by doing business with an alternative lender. We can help you find a car loan via TexasTitleLoan, or a secured personal loan against your vehicle, very quickly and efficiently.

Auto Loans as a Personal Loan for Bad Credits

Yes, that’s right, you can use your vehicle as collateral for a loan. Plus, you can also refinance your car to gain access to a larger amount of money easily.


Generally, secured loans come back cheaper than unsecured loans. This means that a secured loan (with a property or a vehicle) has a much lower interest rate than the interest rate of an unsecured loan. A car equity loan is also much less expensive than a personal loan (the latter is still less expensive than a payday loan).

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