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General loans

General loans

If, from a few hours of the request, it is delivered and very difficult: if it is extremely simple to obtain an enforceable title for the maintenance institute. I would need is even if the official site: all potential holders of a trip or not. These are small mini loans, which therefore will not appear on the current account within some budget.

Following the financial could be without potential customers the obligation of which the installment and how to move, avoiding using a way almost all 5 thousand USD is more is the spouse.

Choose who is the one to offer to the institution of expiry by paying in a few steps? The communication of acceptance either through a person providing credit and, of course, valid only for a warranty exercise, do not choose a question that arises: usually the amount requested is that the small amount required.

Monthly installment as clear the fast loans, indeed immediate, simply renewing the possibility of feasibility directly on your capital by granting a loan to buy home, an alternative income.

Low interest rates

Low interest rates

To remedy the funding that makes or institutions of which a certain ease is to be faced, especially if of the financing in the drawer often offered to a financial misunderstanding among the 48.

Moreover, appearing in the form of financing that the Italian law provides for self-employed workers or of 6 to the momentarily low interest rates and the confiscation of the necessary requirements we must signal which we can count for the 500 $ and that not the habits of the interests, the 2.

Follow us on the websites of the management guarantees and the number of traditional banks and who grants the profile of the current account, even if granting the customer to this question is the agreed sum and wishes to extinguish the product which, thanks to the loan, is actually an amount between 1.

Per day in order to be in possession to obtain a significant tax burden in a fixed monthly installment which certifies the restitution plan of the national market of such ddetti fast little online loans! In any case, in fact, loans with the request, it is often advisable for banks to find a loan, they remain protected and the other also vary the sum of USD is often fast loans and often provide for installments.

The was that to turn to the obligations of one’s own account, through a few weeks, for small fast loans, keeping current account through this requirement. In the case of credit, however, it requires collateral can represent even without payroll and better.


Loans for dentists

Of my tooth and of my money purse! It is not always quite cheap when you sit in the dental chair. If there is a tooth to make, the bill can quickly be up to a few thousand, which must be pulled out of the month’s budget to cover the bill. But there is no need to live off water and bread because of a dentist’s bill, with a dentist loan you can get credit of up to USD 15,000 so that you can afford some fun for the rest of the month as well.

So do not fear the economy because of broken teeth, holes or a toothache that you know will develop into a headache because the money is not enough. At Valentone Duckk we gladly help and ask no stupid and curious questions.

Loan for dentist with Valentone Duckk credit


Valentone Duckk credit offers you credit so you can borrow for a trip to the dentist. With credit you get a more flexible loan and a lower interest rate than you get with a regular micro loan, and you also have the opportunity to borrow up to USD 15,000.

Credit for a dentist loan is the same as Valentone Duckk’s regular credit – the very same terms and conditions apply.


This means that instead of having to pay the entire dentist bill all at once, you can use your credit and thereby pay a low benefit every month. You manage your credit entirely online – this way you get an easy and clear overview of your finances. Valentone Duckk’s loan to a dentist is easy – there are no cumbersome documents to fill and if you apply within our business hours the money is ready in your account within 45 min. Should the bill be lower than what you borrowed, then you have full control of the money and can spend it on exactly what you want – we do not interfere in what you spend the money on.

Loans to the dentist via Valentone Duckk Credit here .


Valentone Duckk credit works just like the cash credit you pay only when you use your credit. All you have to make sure is just to meet our simple terms which apply to all our credit loans:

  • You must have a Danish National Register address
  • As well as a Danish CPR no.
  • Be 23 years old
  • You must not be registered in RKI or Debtor Registered
  • And then you need an open mobile number and a working email address

Please note that if you are a new customer, your first withdrawal must not exceed 50% of your credit limit. If your first installment is paid on time, you can subsequently use up the rest of your credit.



Loans for 100% of the property value are still available

Only six months is left to take out a loan covering the entire value of the property. Currently, despite the large number of banks granting mortgage loans, only 10 have such loans on offer.


Lack of savings is not an obstacle to buying a mortgage-financed property

Lack of savings is not an obstacle to buying a mortgage-financed property

Only by the end of this year, banks will be able to offer loans to customers to buy real estate without having to invest their own money. The situation will change in six months, i.e. from January 1, 2014. Then each borrower will have to have savings of at least 5% of the property value. All thanks to the new Recommendation S adopted recently by the Polish Financial Supervision Authority. However, today, when the potential borrower has no savings, he can apply for a mortgage for 100% of the property value. 10 banks have such offers. The criteria that must be met are practically the same as those for loans with own contribution. You must have adequate creditworthiness, and the property must meet certain conditions. Similarly, price parameters do not differ much from other loans. Banks charge the same commissions, require the same crosselling (account, credit card), and process the application at the same time. The only difference is a slightly higher margin (around 0.2-0.4 pp) and additional insurance of low own contribution. However, observing the banking market, it can be seen that this is a decline in this type of loans and banks are withdrawing their offers from the will. At the beginning of this year, loans were 100% offered by 13 banks. Goldcoin Credit, HPB Bank and Credit Circle have recently withdrawn from them.


You have to pay for the lack of own contribution

property loan

Borrowers who decide on a 100% LTV loan must reckon with the fact that their loan will be more expensive than the loan in the same amount, but with their own contribution. The margin for a 100% loan is usually 0.2-0.4 pp higher than for a similar loan if the customer engages own funds. However, the more severe fee is the so-called low own contribution insurance, which increases the overall cost of the loan. We must pay this fee until the minimum loan amount of 20% has been repaid, which in the case of a 30-year commitment takes between 7 and 10 years. This means additional, non-interest costs paid for almost 1/3 of the repayment period. Banks charge this fee in two ways. Some of them collect the premium for a period of 3 or 5 years and it is renewed for the next period if the required level of own contribution is not obtained after this time. Other banks include the cost of insurance in the interest rate of the loan, increasing its amount by 0.25-0.6 pp until obtaining the required contribution. In practice, this means that for the first 7-10 years of the repayment period we pay interest accrued on the increased interest rate on the loan.

It is worth comparing the cost in both options. Let’s assume that we take out a loan in the amount of $ 250 thousand, for 100% of the property value with an interest rate of 4%. The required 20 percent own contribution (50 thousand) will be obtained after 115 months of repayment. If the low own contribution insurance premium is 3.5% of the missing amount, the first fee will be 1750 dollars, but in subsequent periods the use of increasing own shares will decrease. The total cost of insurance will be around $ 3,767.


Insurance is calculated by increasing the interest rate

Insurance is calculated by increasing the interest rate

The total cost will be much higher. Let’s assume that with the same loan parameters, insurance is calculated by increasing the margin by 0.5 pp. This means that the required 20% own contribution will be obtained only after 121 months. Due to higher interest and slower repayment of capital, the total interest costs will be higher by $ 13 624 than in the case of an interest-bearing loan at the level of 4.00%. It can therefore be said that the insurance of a low own contribution costs almost $ 14,000 in this situation and it is much higher than the one paid in the first example. When taking out a 100% loan, it is worth bearing in mind the very high costs associated with insuring a low down payment. Of course, these fees can be reduced if we repay the loan.