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Quick credits can be applied for in about 15 minutes without leaving your computer, without certificates and without a guarantee. On the other hand, loans in the bank take 1-2 working days on average. To borrow loans online, you need to choose the right credit company , register on the credit website and apply for a loan. If so, the money will be credited to your bank account!

In order to choose the best loan

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We offer to compare the loan companies. ” Learn More ” means more information about the lender in question, clicking on the ” Get Credit ” button will open the credit company’s website for registration.

Comparison of credit companies from 20 to 10,000 euros with maturity from 5 days to 72 months. The exact cost of the delay can be found on each lender’s website, in the terms of the contract and / or by contacting the lender personally. Remember that failure to make payments can cause you serious problems and affect your credit history and make it more difficult to obtain a new loan, and in the event of default.

The lender may initiate debt recovery proceedings

Or assign claims to third parties.Penalties or costs of delay . Fast credit for late payment requires a penalty ranging from 0.75% to 1% of the total amount of late payments for each day of delay. Some lenders charge money for a reminder letter and / or a one-time penalty payment in addition to the penalty payment if the credit is overdue.

Didn’t find your credit company, then contact us. Borrow money only if you are sure that you will be able to repay the loan on time. Overdue credit can ruin your credit history and make it more difficult to borrow later, or the credit companies will offer you loans on unfavorable terms.

Remember that in the case of overdue credit payments, the credit institution is entitled to a penalty interest. Borrow responsibly! Pledge your car and get the credit in one day.

Loan to decorate the house of your dreams

We all dream of a nice, pleasant and comfortable home so that, when we get there, we can say “home, sweet home”. Having the house of your dreams is a matter of making the right reforms and decorating it with the key pieces. However, how much does it cost to decorate a house?

Because the answer to how much it costs to decorate a house includes very different prices depending on the magnitude of the remodeling and, in general, a fairly high average that not all pockets can finance at once, there are bank loans to help us make Reality our dreams.

Requirements to obtain a loan

Before discussing carefully the conditions and characteristics of the loan, it is important to know the requirements that must be met to request it. Well, throwing yourself into the decoration without meeting the circumstances to be able to finance it would be like starting the house on the roof. The general requirements that requests for projects such as renovating and decorating a house are the following:

  • Income stability : it is one of the first things that the bank will study to determine if the loan applicant is valid or not. The way to know if someone has stability in their income is by evaluating their payroll, pension or the required documentation to freelancers. For example, if the person has been working in the same company for a while, has an indefinite contract and a stable salary, a large part will be earned to be granted the loan.
  • Capacity to pay : this requirement refers to the amount of salary that the loan applicant receives monthly and the ability to meet the payment obligations of a loan. It is important to distinguish this point from the previous one, since it is not the same to receive a payroll every month and that payroll is sufficient. That is, the bank here assesses whether the potential borrower, after paying the monthly amount of the loan, will have enough income to live, which is called: cash balance.
  • Guarantees : the bank is likely to request a guarantee or guarantee that responds in case of non-payment. It would also fall within the guarantees to ask the client to take out payment protection insurance, so that the bank ensures the collection of the borrowed amount by transferring the risk to the insurance company.

The franchise in the importation of vehicles

If you change your residence and you need to take all your belongings with you it is necessary to know that holders of goods and personal effects that come from the European Union are not subject to any customs clearance .

On the other hand, people coming from non-EU countries who decide to move permanently to the peninsula or the Balearic Islands, have to request the duty-free importation and taxes before the Spanish Customs of entry of said goods, or before the customs more next to the address, in which they must state that this importation is requested with duty-free tax exemption for transfer of residence.

In the case of a vehicle, the request for tax exemption on certain means of transport must be made.

Only imports may be exempt due to change of residence of the owner of the vehicle.

Documentation to request the franchise

In order to apply for the franchise in the importation of vehicles, it is necessary to submit a series of documentation:

  • – Application for importation in writing, reflecting the personal data of the applicant.
  • – DNI (Spanish) or NIE (Foreigners)
  • – Low consular or other low of an official body of the country of origin that proves the change of residence.
  • – Register registration certificate in Spain.
  • – Movement permit
  • – Vehicle data sheet
  • – Vehicle purchase invoice or, failing that, declaration of value and the demonstration that the vehicle has been acquired with a minimum of 6 months before the move.
  • – Clearance authorization

Conditions to qualify for franchise

In order to qualify for duty-free importation, procedures must be carried out during the 12 months following the transfer. Previously, the vehicle must have been purchased under the normal tax conditions of the country of origin and with a minimum use of 6 months prior to importation.

This period of 6 months can be extended up to 12 months if the vehicle was acquired or imported under some type of exemption established in diplomatic, consular or in favor of members of international organizations based in the country of origin of the interested parties.

If the import comes from the Canary Islands, it must be justified that it comes from there, with boarding pass and official documentation of its origin. In the case of the Canary Islands, only VAT is paid and no tariff.

What is International or Foreign Trade?

Exceptions of the term ‘International trade’

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As its name suggests, international trade is any exchange of goods that takes place between two different economic states or regions .

International trade is the main engine of the world economy. In general, each country specializes in a type of activities that may be conditioned by aspects such as the climate, geology or culture of a particular place.

As an example, it is much more logical that a country like Colombia grows coffee because this plant needs a lot of water and a high temperature to develop. In this case, the tropical climate of Colombia is optimal for the cultivation of this plant. On the contrary, it would be very difficult to grow coffee in Iceland , although, the seas of the Arctic Ocean of which the island is surrounded are suitable for fishing for cod due to its low temperatures.

When Iceland needs coffee, it probably imports the product from other countries, such as Colombia. The same will happen with Icelandic cod in Colombia.
In terms of the sector, the exchange of goods that occurs within the same economic region is not considered foreign trade (or exports) . This is the case, for example, of commercial operations that occur within the European Union or the Eurasian Customs Union.

Let’s take the case that our company, based in Barcelona, ​​is selling skateboards to several stores in Portugal. Upon commercial exchange within the European Union, this commercial operation would qualify as “intra-community sale” and not as export. In this case, no Customs Companies service is required.

Spain in numbers: data on foreign trade

When a country exports more than it imports, it is said that this country has a positive or favorable trade balance. A favorable trade balance is considered in economic terms as a good indicator in a country’s economy. After three decades of international trade defícit, in 2013 Spain managed to have a positive trade balance again. Specifically, the positive balance of the country was 7,130 million euros, a figure equivalent to 0.7% of GDP .

Data on the countries that most buy from Spain

The countries that imported the largest volume of Spanish products in the first half of 2012 are the following (in millions of euros):

– France 18,947.5 (-1.6%)

– Germany 11,822.7 (+ 7.4%)

– Italy 8,123.4 (-6.9%)

– Portugal 7,448.1 (-9.3%)

– United Kingdom 6,669.4 (-2.3%)

– US 4,284.9 (+ 1%)

In Spain, the body responsible for promoting the internationalization of Spanish companies is the ICEX Spain Export and Investment , a public entity under the Ministry of Economy and Competitiveness.

International trade: free trade or protectionism?

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As for international trade , countries can adopt 2 antagonistic positions : free trade , which promotes the free movement of goods between countries without the need to tax new taxes because they are foreign goods, or protectionism , which imposes trade barriers with so to protect sectors of the internal economy of a country.

The EFTA, example of free trade in Europe

The EFTA (European Free Trade Association or European Free Trade Agreement) is an agreement that came into force in 1960 and whose current members are Iceland, Liechtenstein, Norway and Switzerland.

The CAP of the European Union, an example of protectionism

The CAP (Common Agricultural Policy) is a clear example of protectionism within the framework of internal trade of the European Union. The CAP favors the cultivation and commercialization of agricultural products within the EU. For this, the CAP imposes high taxes on all agricultural products that come from outside the EU market and lowers the price of domestic products through public subsidy to farmers.

Agents participating in a foreign trade process

1) The exporting company.

2) The Freight Forwarder.

3) The Customs Agency:

4) The transport company:

5) Customs administrations of the respective countries:

Where to study Foreign Trade in Spain? The best schools

Due to the boom in international trade, at present there are many universities and faculties that offer to study international trade in Spain.

Among the best universities that:

ESADE : This business school in Barcelona is an institution in the framework of economic studies and therefore one of the best options when it comes to training in international trade.

IESE : This Barcelona school also enjoys great prestige when it comes to international trade.

Work and make a career in Lille

Who recruits executives in Lille?

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Impossible to speak of the capital of the Hauts-de-France without mentioning the distribution . And especially the e-commerce aspect , which is not really new, but still generates employment . “We have regular requests for functions related to e-payment, digital, data, illustrates Patrick Favre. Employers are looking for people who can handle all the information to better organize customer service . For example, “a few companies were already at the forefront of e-commerce a decade ago and now account for a significant share of their sales. Distance selling has also incorporated tech profiles for a better impact on the net, “says Jean-Michel Cambrai, who nevertheless recalls that” the Hauts-de-France region is a logistics platform on its own and the profiles sought are the same for all logistics providers, and are therefore difficult to find. ”

The supply chain is also impacted by these consumption patterns. This is what Patrick Favre notes: “Services on the choices offered and delivery times are changing, which leads to skills needs in logistics and stream optimization. This is a real regional trend that can be explained by the large presence of retail players. And as Pierre-Luc Rigal, Deputy Regional Director of the Hays Nord office points out, “the impact of the entry into force of the General Data Protection Regulation (GDPR), which has resulted in many recruitments. ”

The region also hosts many construction companies , whether large groups such as Eiffage, Vinci, or Bouygues, or SMEs. Several projects are expected to bring jobs at the end of 2018, even years to come, starting with Lillenium , quoted by Pierre-Luc Rigal: “Construction has begun for this large commercial, leisure and office area which, with its 60,000 square meters, will reinvigorate the South of Lille, a space previously a little neglected. Overall, the construction industry has the same needs as before the crisis: engineers, experienced construction managers, contractors to monitor operations, but also a revival on the profiles of architects, because it is necessary to design the projects . ”

According to the Pôle emploi workforce needs survey, in Hauts-de-France, the management jobs on which employers expect the most difficulties to recruit are engineers and administrative and maintenance managers in France. informatics, doctors, pharmacists, real estate agents, engineers, R & D study executives, and IT managers, engineers and executives in manufacturing and production, quality control production methods engineers, human resources executives and recruitment, engineers and executives R & D industry, and engineers and technical-sales executives.

The most of the city: a real European crossroads

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If it has long suffered from a bad image, Lille is in the process of restoring its image. In addition to a very good service (train, tram, metro and bus), it has the great advantage of being on the border between the main capitals of Europe, one hour from Paris, three from Amsterdam, and 1h30 from London and Brussels . It is also, as Pierre-Luc Rigal reminds us, “a very young city, student, dynamic as well as economically and culturally as sports, carrying projects and always changing. It knows how to adapt to societal changes, as it did by making the city center pedestrians and bicycles, inspired by the countries of the North. It is also close to both the sea and the countryside. And this reputation of hateful weather? “121 days of rain a year, only 10 more than in Paris! “Protests Pascaline Leignel.

Less in the city: less and less access

The disadvantages are rather less, according to Pierre-Luc Rigal, who admits all the same that “the pedestrianization of the center which was intended to unclog the city has, in return, congested the access roads to the city. ”

The business districts of Lille

Lille has six competitiveness clusters and five sites of excellence! Pascaline Leignel, director of Pôle emploi agency, lists these: ” EuraTechnologies is home to 140 companies including big names such as Microsoft, Capgemini, or IBM and organizes 500 events a year for the promotion of French Tech. Eurasanté is the largest university hospital campus in Europe with 7 hospitals and 50 research laboratories. Euralille , in the East of the city is a business district on the tertiary and trade, which hosts companies of finance, insurance, telecommunications, consulting and informatics. For scientific and technological research, innovation and sustainable development, we have the European Science Park of Haute Borne . Finally, the Union area includes two sectors of excellence: one focused on the image and the cultural industries, the other on innovative textiles.”

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Restructuring of loan-free loans – how?

Typically, the repayment of repayment-free loans in connection with mortgage loans in the bank usually has a maturity of approximately 20-30 years.

Especially when your 30-year loan-free loan is about to cease, it’s a good idea to consider refinancing your loan at the bank.

If you want a conversion of loan-free loans, you can typically choose to:

  1. Continue with the loan and thereby use the remaining maturity to pay off the loan.
  2. Convert to an online installment loans not payday loans, so your performance will increase.
  3. Convert to a new 30-year repayment-free loan that will postpone your payment of repayments.

It is recommended that even if your loan-free loan only ends in 2-4 years, you should already consider the conversion loan.

This is because interest rate rises may arise, which will give you a less good interest rate than the one you currently have.

It may, therefore, be necessary to consider restructuring of repayment-free loans before the maturity of your loan is running out.

Repayment-free loan: Expires your loan?

Especially in the case of mortgages, questions may arise when your loan-free loan expires.

First and foremost, there may be doubts about how to shop from here.

If your loan-free loan expires, you usually have the following options:

  • Pay off your loan as planned without doing your other.
  • Share your remaining unpaid clicks over a longer period of time, so you step by step will get used to a higher monthly fee.
  • Refinance your loan for a new loan with or without repayment.

We recommend that you relate to the expiration of your repayment loan as quickly as possible.

This way you are better able to plan and prepare your finances to handle your loan-free loan.

Advantages and disadvantages of repayment-free loans

Before you decide to take out a loan with installable months, there are certain advantages and disadvantages of loan-free loans that you should be aware of.

Whether you are considering a loan-free loan in connection with housing or consumption, a number of factors will be in play.

Benefits of loan-free loans

The main advantage of these payday loans via Green-touch.org is that you have more money available.

You get extra air in the economy to pay off other expensive debts you may have.

For example, if you have taken up a mortgage and mortgage in connection with home loans, your mortgage in the bank will typically be more expensive compared to the mortgage.

If we follow the avalanche strategy, it is always best to pay off the expensive loan first and as soon as possible.

You can, therefore, use the deductible period to increase your payment on the expensive loan.

In addition, repayment-free loans may be an advantage if you want to invest in, for example, equities, bonds or override more money for your pension savings.

Here, however, you must be sure that your earnings are greater than the costs associated with the repayment-free loan.

We, therefore, recommend that you make many calculations and seek guidance from an expert or banking adviser.

Unpaid Loans: Advantages

  • More money available in the deduction period.
  • Economic room for repayment of other expensive debts.
  • Investment in shares, pensions or other.

Drawbacks of repayment-free loans

Although repayment-free loans can be an advantageous solution, there are also certain disadvantages that are included.

First and foremost, your credit costs will typically increase as you simply postpone your payments.

You will still have to pay the interest the loan increases with, so the principal stays the same. The remaining debt will, therefore, be no less of choosing repayment periods.

Since the maturity of the loan is not changed, it means that after a repayment period, you will have a principal to be paid within the agreed time, so the repayments will be higher.

For these loans, the repayment period is normally offered for a few years depending on the term of the loan.

This is because you have to pay interest on the borrowed amount as interest on the interest until you start repaying the loan amount.

NOTE! If your financial situation does not improve after the repayment period, some may seem unavoidable to repay the outstanding debt as the repayments due for future payment have now become higher.

In addition, there may be a sudden increase in your costs when the installment period ends.

It is normal that the interest rate rises after the repayment period ends, why your loan can be increased if you do not repay the loan on time.

Non-repayable loans: Disadvantages

  • Higher credit costs.
  • Interest and fees are no less – on the contrary.
  • The chair remains the same in the repayment periods.