Advantages of a quick loan

Fast online loans are a good solution when you quickly need a small amount of money for a short period and you know that you can pay back the loan.

Fast

Get a quick loan into your bank account in a very short time. Fill out the registration questionnaire and apply for a loan. This is much faster than filling out countless forms, queuing up and waiting for days for a credit decision. Therefore, if you respect your time, fast online loans will be the perfect solution for you.

Comfortably

Comfortably

To get a loan, we are usually forced to go to the bank, present the purpose of the loan and turn to an institution that promises neither quick service nor convenience. Conveniently means that you can apply for a loan online or by phone or in any other way, as long as it is easily available and does not require additional time and effort. That is why a non-bank loan is a much better option. Apply for a quick loan without leaving your home and receive money on your account as soon as your loan application has been processed. It is convenient and easy, that’s why Lite Lender offers non-bank loans via the Internet. When you view all online loans, you will see that our online non-bank loan stands out from the competition.

No residents

No residents

A quick loan online is the most convenient and easiest way to take out a loan, because the whole procedure takes place online. Thanks to this, you do not have to worry about obtaining certificates, submitting other documents or looking for a geranium.

Simple

Simple

A quick non-bank loan is a solution in a situation where you quickly need a small amount of money that you do not have at the moment. A quick loan will help you solve an unexpected problem or make a purchase you have long dreamed of. A quick loan is granted for up to 30 days and must be fully repaid in one installment.

Control

Control

On your user profile you can track all information related to the status of your loan. We will inform you when the loan repayment time comes. We offer you favorable loan conditions and we guarantee the highest quality service.

Availability

Availability

We work every business day from 8.00 to 21.00 and on weekends from 9:00 to 18:00. Thanks to this, you can take out a loan online not only on business days, but also in the evening or on non-working days. We have created a convenient, safe, high-quality service. We will gladly help you, expecting from you only a sense of responsibility going along with making a decision on taking a loan. Quick non-bank loans only at Lite Lender.

Lite Lender provides clear and understandable information about the quick loan and the contract. If you apply for a loan, choose a trusted partner who cares about the availability of the service and its quality. If you have questions, Lite Lender will always be happy to answer the phone. Call us! We are happy to help you! Are you interested in our offer? 

We pay off housing loans well. They are best in Prague.

 

The payment discipline of Czech citizens continues to improve for mortgage and building society loans. Mortgages are most successful in Prague, where people borrow the largest amounts for housing and also pay off their loans best. The volume of non-performing debt decreased by 4.5 billion, down 10.9% year on year. Similarly, the number of people who had difficulty repaying their housing loans decreased by 5,000 year-on-year. This stems from data published by the Banking and Non-Banking Client Information Register.

 

How much do we owe?

How much do we owe?

The total debt of the Czech population at the end of the first quarter of this year totaled 2.18 trillion dollars and grew by 175.1 billion dollars, ie by 8.7%.

The total amount of non-performing long-term debt (mortgage loans supplemented by building savings loans) in any region does not exceed 1.5%.

 

They pay the best in Prague

home loan

Prague residents pay off their loans very well. This is despite the fact that the sums they borrow for housing are often double that of other regions. At the end of the first quarter of 2018, only 0.3% of the debt on loans provided in Prague were not properly repaid.

 

Payment morale is growing

Payment morale is growing

The volume of non- performing debt , a debt that has not been paid for at least three consecutive installments or has been repaid, has been decreasing for 16 consecutive quarters. The number of clients with non- performing long-term debt (non-performing housing debt) amounted to 23,855 in the first quarter. This represents a decrease of 18.6% compared to last year.

 

Total debt continues to rise

Total debt continues to rise

On the contrary, while the volume of debt at risk of default is decreasing , the volume of total debt of the population continues to rise . In the first quarter of this year, its volume increased by 175.1 billion to 2.18 trillion dollars. Similarly, the average amount borrowed by people has increased. In the case of long-term debt, the increase was almost 9%. Thus, each client with a mortgage or building savings loan owed on average USD 1.55 million in the first quarter.

Are you also considering mortgage financing? Leave the work to the experts and make an appointment for free today. Save your time and learn everything you need.

Buy back credits for owners.

Are you a homeowner, do you have a mortgage and other loans or financings that weigh heavily on your budget, and you want to reduce your monthly payments?

With a credit reorganization for homeowners. It is possible to reorganize all of your loans with or without taking over your mortgage credit, and to add a sum to cover work and your liquidity needs. This operation requires a notarial act. All the costs linked to the recovery of your credits are incorporated in the new credit.

I am an owner, how much can I get with a credit reorganization?

I am an owner, how much can I get with a credit reorganization?

The maximum amount that can be granted to you will be determined based on the value of the building (s) put as collateral, estimated by an expert approved by the credit company, but also on your repayment capacity.

It is also possible to take back only your other credits and your liquidity needs in the form of a long-term credit with mortgage, without the repossession of your home loan and over a period of 20 years maximum.

I am on file at Cream Bank, can I obtain a reorganization or a loan buy-back?

I am on file at National Bank, can I obtain a reorganization or a loan buy-back?

The centralization of debts with current filing is possible, but any current filing is an aggravating element. It will always be necessary to demonstrate that centralization is to the advantage of the borrower and that a normal repayment is expected. The new monthly payments will have to be lower than the total of the monthly payments of the credits to be refunded (except exception, after a thorough study), and the balance to live will have to be sufficient.

Centralization of debts is not possible for persons subject to collective debt settlement / debt mediation (except in certain cases, to be analyzed on a case-by-case basis, with the agreement of the mediator and / or the competent court) or involved in a spiral of credits.

How are outstanding loans and litigation reimbursed?

How are outstanding loans and litigation reimbursed?

In the context of a credit requiring a notarial act, all reimbursements are made by the notary on the day of the act.

How to submit a credit consolidation request?

How to submit a credit consolidation request?

For your convenience and a quick decision, use the request form by clicking on the link below.

I am a tenant, I wish to acquire a building, but I already have several loans in progress?

I am a tenant, I wish to acquire a building, but I already have several loans in progress?

In this case, you must continue to repay existing loans or reorganize them to reduce the monthly payment. It is not possible to incorporate these different credits with the housing loan.

 

Find the best rate with a mortgage loan simulator

Do you have an extremely expensive consumer loan and pay off a mortgage at the same time? Do you want to gain purchasing power by reducing your monthly payments or drastically reducing the amount of your interest? Merging your consumer credit with your home loan may be the solution.

It is now possible to transform your consumer credit into a mortgage! You will benefit from a more advantageous interest rate while reducing the total amount of your monthly payments.

Transform your consumer loan into real estate loan to gain purchasing power!

1 simple technique: redeem your consumer loan and your home loan

1 simple technique: redeem your consumer loan and your home loan

Some banks have a heritage dimension that others do not have.

And these can offer you the possibility of buying back your home loan and your consumer loan (s). In this case, you will only have one loan, which will be called a home loan.

Your consumer loan will be transformed into a mortgage. You will therefore benefit for the capital that you have to repay on this loan of the rates applicable to real estate loans , much more attractive than the rates relating to consumer loans.

You will significantly decrease the interest rate on your consumer loan (now a mortgage) and could earn a significant amount of interest.

In addition, the repurchase of your loans will be carried out over the remaining term of your mortgage, or over a shorter term. The monthly payments relating to your consumer loan will therefore be much lower than at present since it is generally reimbursed over a much longer period!

2 advantages: gain purchasing power or earn many interests

2 advantages: gain purchasing power or earn many interests

Merging your consumer loan with your mortgage will allow you to choose:

  • Gain purchasing power if you redeem your loans for a period equivalent to your current mortgage

During periods of low interest rates , the interest rate applicable to your current mortgage will decrease, and the cost of your credit with it (in other words, the amount of your interest will be lowered).

Whatever the evolution of rates, your consumer credit will be transformed into mortgage so you will make a significant saving in terms of interest.

In addition, the monthly payments of your consumer credit will be spread over the duration of your mortgage to minimize the overall amount of your monthly payments…. and increase your purchasing power! 

  • Significantly reduce the interest applicable to your loans if you redeem them for a shorter duration than that of your current mortgage

If your debt capacity allows, you can redeem your current home loan for a shorter period to significantly reduce the cost of it.

As you probably know, the shorter the duration of a loan, the lower the rates, and vice versa obviously. If you therefore reduce the duration of your mortgage, you will benefit from a rate much lower than the one you know, and will significantly reduce the cost of your credit.

But your monthly payments may increase, so be careful with your debt capacity! Your charges must not exceed 33% of your income.

Did your bank tell you that reducing the duration of your loan was impossible in view of your debt ratio, too large because of your consumer credit? You now have the solution!

Integrating your consumer loan into your home loan will reduce the overall amount of your monthly payments and, de facto, your debt capacity. If you are looking for the highest possible interest gain, such an operation can be really interesting!

Your interest gain will in most cases be much greater than if you keep your consumer credit, especially as you will benefit from mortgage loan rates on it!

TO REMEMBER

  1. Merging your consumer credit with your home loan can allow you to reduce your overall monthly payments and increase your purchasing power
  2. Reducing the duration of your current mortgage as much as possible by integrating your consumer loan is THE method that will save you a lot of interest
  3. Integrating your consumer credit into your home loan can give you sufficient debt capacity for a new real estate investment

How can a mortgage broker get you the best mortgage loan rates?

Why consult us ?

Why consult us ?

First of all, the question is to find a good mortgage broker! It is not because they are numerous in Paris, that they are all good! Today, all of the customers who have used Lite Lender’s service have recommended it to their friends and families! And this for the following main reasons:
– A practice ideally located in the heart of Paris, perfectly served by metro lines;
– Unique professionals who will accompany you until the success of your projects;
– Advisors who will be able to answer all your questions and can be reached at any time from Monday to Friday from 9h to 19h;
– Rigorous, efficient and rapid follow-up with a tailor-made service.

The steps followed by Lite Lender to simplify your life

The steps followed by LIte Lender to simplify your life

On the other hand, beyond a quality service, the goal of your advisor will be to get you the best mortgage rates quickly! To do this, he will suggest the following steps:
– You can, if you wish, simulate your loan in order to have an idea of ​​the type of monthly payment which awaits you. This simulator will only give you a rather vague idea and not a precise result. Above all, it allows you to get an idea of ​​the market. But to obtain a concrete result of your real estate project, you will need to contact one of our advisers;
– You then contact the firm and obtain a telephone appointment to find out the feasibility of your project in 10 minutes. We don’t always realize it, but the reality of the market is sometimes very different from what you have in mind and your project is not always achievable in the eyes of a bank, depending on your situation. But that’s why your broker is there! To verify with you the feasibility of your project and to make it feasible;
– After a good knowledge of your file and the assembly of it within 24 to 48 hours, your advisor will question the banks and insurance companies to get you the best possible mortgage rates;
– A firm and final loan agreement will be obtained within 10 days. Your advisor agrees to this deadline.

Fast online loan – money within 24 hours

This quick non-bank loan is intended for both employees (loan up to USD 166,000) or entrepreneurs (loan up to USD 200,000).

This quick non-bank loan is intended for both employees (loan up to USD 166,000) or entrepreneurs (loan up to USD 200,000). By simplifying the entire loan process, you can have money in your bank account within 24 hours and use it for anything you want.

Fast personal loan for employees up to 166 000 USD

Fast personal loan for employees up to 166 000 USD

Money can be borrowed here anyone who is able to prove regular income (pay slips, confirmation of employment, account statement). The funds are then available for 12 to 48 months (1-4 years). You then repay in the form of a regular monthly payment. With proper repayment you can get a discount of up to 15%. You can get a bonus of up to USD 25,000.

Fast business loan up to 200 000 USD

saving cash

There is also an offer for entrepreneurs (self-employed) who can get funds to start or expand their business. Sufficient if you do business for at least 6 months. It is not necessary to prove the business plan and the amount of profit is not decisive either. You only need a minimum of documents to handle this loan for self-employed persons

Money within 24 hours

  • Personal loan from 10000 USD to 166 000 USD
  • Business loan from 15000 USD to 20000 USD
  • Personal loan maturity of 12 to 48 months
  • Business loan maturity of 3 to 60 months
  • Bonus for regular repayment up to 27000 USD
  • Handle online, without a personal meeting or visit to a branch
  • Money paid within 24 hours to account
  • Without mortgage
  • Free of charge and no hidden fees

Online Loan Application:

Online Loan Application:

Disclaimer: The operator of this site does not provide any financial services, loans or credits. The offers for these products displayed on this site come from various public sources on the Internet and are only aggregated on this page for comparison and easy search. The site operator is not responsible for the accuracy and timeliness of the information published here.

Life and subsistence calculator 2018

What is the subsistence minimum, and what is it good for? What is the minimum subsistence level for a family with children, a single parent or a pensioner? And how much is the subsistence minimum in execution or insolvency?

Calculator – Calculation of Execution 2018

saving cash

Did you get into trouble paying off your obligations? Do you have any debts, unpaid installments or bills, and now you are afraid of execution? Or are you even in a situation where the executor lets you deduct execution deductions from your salary? 

Non-bank loan 35 000 USD without confirmation of income

This non-bank loan works on a similar principle to an overdraft or revolving loan. You have an approved credit limit of up to USD 35,000 and you can withdraw money at any time. These are then immediately available to your bank account.

Calculator personal bankruptcy 2018

saving cash

If you have high debts and / or execution and you do not know how to deal with them, there is one option. And this is personal bankruptcy (debt relief in court, insolvency of a natural person). You can read how it works in the following article. 

Debt rescheduling of an existing building loan

 

A debt rescheduling of a building loan can be a good reason for the fact that such loans are usually concluded with large sums of money. Accordingly, borrowers and the bank agree on a long term to repay the debt. Over time, it may happen that the current interest on a building loan is lower than that contractually agreed. In this respect, borrowers should consider rescheduling, taking into account some peculiarities. Acting too quickly can have adverse consequences.

The possibility of debt rescheduling on a home loan:

The possibility of debt rescheduling on a home loan:

With the debt rescheduling of an existing building loan, the remaining debt of the old loan is to be paid. Thus, the provider of the new loan takes over the follow-up financing, which differs from the prolongation. Rescheduling can often save consumers a lot of money. In this respect, there is also a significant difference to the prolongation.

Before the borrower rushes to find a new lender to pay off his remaining debt, he should first check when the fixed interest rate ends. If the rate lock is longer than five years, rescheduling is only possible under certain conditions.

However, if the remaining fixed interest rate is between one and five years, the debt rescheduling is often carried out using a so-called forward loan. The reason is that the current interest from the loan should continue to exist in the future.

However, if the fixed interest rate ends within the next twelve months, the debt rescheduling for your own property will not cause any difficulties, since it is not subject to any further requirements. This is because an end to the loan repayments is already in sight and the rescheduling will not take any noticeable risks.

These costs should be considered when rescheduling:

These costs should be considered when rescheduling:

A debt rescheduling only makes sense if it is ultimately economical for the debtor. Property owners who want to replace a construction loan with a loan that offers more favorable interest rates before the end of the contractually agreed fixed interest period will regularly want to give the creditor a financial memo to change intentions. In such cases, banks tend to pay the customer a penalty. The credit institutions cite the lost interest income as the reason for the penalty.

How high the payment will ultimately be depends primarily on the loan amount and the interest accruing from it. It can therefore happen that the savings in interest that are supposed to result from debt restructuring are noticeably reduced or even fully compensated for by the penalty payment. In order to determine the anticipated compensation payments in advance, consumers can access so-called prepayment calculators on the Internet. Ultimately, this makes it easier to weigh up the financial balance between old and potential new loans.

Since a building loan is taken out to finance a property, those affected must also plan with processing or notary fees when taking out a debt rescheduling loan. The notary is essential because the land charge on the property is transferred to the new lender. Here the law provides for a notarial written form.

In some cases, providers of a debt rescheduling loan assume the costs associated with the change. It is therefore worthwhile for those interested to speak to the new lender in advance. A debt rescheduling is therefore particularly worthwhile in those cases in which a financial gain can actually be achieved through the interest savings. In this respect, interest savings and the costs associated with retraining are offset against each other.

The advantages and disadvantages of rescheduling a construction loan:

The advantages and disadvantages of rescheduling a construction loan:

The main advantage of rescheduling an existing construction loan is the interest savings, insofar as the new lender offers a lower-interest loan. It should be taken into account that just a few percentage points can mean a serious difference to the old loan. Every year, some thousands of USD can be saved. This money can now be used to increase the monthly installments, which in turn will lead to a shorter repayment period. This means that the debtor is released from his liabilities more quickly in terms of time.

The conclusion of a new loan can also be linked to better conditions. In particular, it can be worthwhile to negotiate cheaper arrangements for a possible special repayment with the lender.

On the other hand, it is disadvantageous that the borrower now selects a new contract partner for debt rescheduling. Many borrowers are reluctant to do this because it is easier for them to run their building loan through the previous provider. With a change, time-consuming research is ultimately necessary so that ultimately no loss-making business is carried out. In addition, prospective customers should intensively consider possible agency fees or processing costs in order to be able to decide whether rescheduling makes financial sense at all.