Debt Consolidation

Before you begin your steps, be aware that using an expert can increase the chances of getting a debt consolidation loan.

Remedying your debt is the right decision to make when you want to end the debt and get a good financial health

Remedying your debt is the right decision to make when you want to end the debt and get a good financial health

The opinion of an expert of Credtilox can facilitate your approach by offering you the appropriate advice and services. From the beginning, you will be supported by one of our experts and will be advised until help is no longer needed.

What you need to know about debt consolidation

What you need to know about debt consolidation

Consolidation requests can affect a credit report. By getting the help of a professional of Credtilox, you increase your chances of getting a consolidation loan and riskless adversely affecting your credit score. 1 Pay per month offers you to start with a free meeting to assess whether debt consolidation is the best strategy and target the lenders likely to grant you a consolidation loan.

Prepare for debt consolidation

Prepare for debt consolidation

To make sure this solution is right for you, please consult our experts. They will guide you in the right direction and take care of the legal steps if necessary. Simply register online for a free and confidential consultation. This first meeting allows you to analyze your financial situation and understand the cause of your debts. If you do not know how much your debts are, our advisor will take the time to make a complete list of the amounts due to the creditors. This informative review is necessary to know if debt consolidation is right for you.

Consolidation of home loan: How to consolidate cleverly

What to do if you run out of money when it comes to mortgage lending? The solution is: consolidation. Unfortunately, often an expensive affair. We show how it works and how you avoid such a scenario from the outset.

What is a consolidation?

A follow-up financing is always required if the existing mortgage lending is insufficient to cover the construction costs. This may be the case, for example, if the construction project is delayed due to unforeseen events such as aqueducts near the construction pit or storm damage. Or if the client decides to install more expensive parquet instead of the planned laminate. If he can not pay the additional costs out of his own pocket, he must also initiate additional financing.

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    • Construction interest calculator
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    • follow-up financing
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Refunding means higher interest rates

Refunding means higher interest rates

Basically, consolidation is usually more expensive than the first construction loan . This is due to the higher interest rates that banks apply to compensate for the lack of credit security and the high workload. Another problem is the mortgage lending limit of the financed property. If the mortgage lending limit has already been reached with the actual construction loan, further financing becomes difficult. But in most cases there is a solution. Our consultants specialize in finding ways to consolidate even in complicated circumstances.

Tip: Loan with reserve option

Basically, it is advisable not to calculate at a mortgage lending at the lowest limit. It would be better to set the loan amount higher from the beginning, instead of needing to consolidate afterwards. You can circumvent this scenario from the outset by choosing a first loan with a so-called reserve option: This gives you the option of additionally obtaining a specific amount that was not intended from the beginning via the original mortgage loan. Just make sure that your bank does not charge extra for this.


Required documents for consolidation

In the middle of the construction project suddenly new costs arise, and you need fresh money again to complete the new building? Do not worry – just leave it to our specialists. All we need from you are certain documents:

  • a completed application for funding
  • proof of income
  • a list of the outstanding activities
  • A confirmation from the architect that the additional amount will be sufficient to complete

Everything else we do. The expertise of our specialists will help you to find the cheapest real estate loan, and you will receive in the same step the best offers from our 400 banking partners. So keep your nerves and the gaze on the essentials: your the way to your own home.

Cheap consolidation, nothing to regret

Our mortgage specialists help you out of trouble in an emergency and find a good, feasible offer for you. On request, one of our nationwide 550 consultants will accompany you from the application to the payment and answer your questions. For you, our service is completely free.

Request now financing proposals without obligation and free of charge Other readers were also interested

  • Construction credit – peculiarities in building a house!
  • Home Financing – The most important milestones and what to pay attention to!
  • Home Loan – How to secure your loan!
  • House costs – what a house costs an average!

Loan in 5 Minutes – Apply Online Now – With Instant Confirmation

Are you looking for a loan in 5 minutes, because you do not want to waste time with bureaucracy? Do you expect from the online loan an unbureaucratic, fast application process, a preliminary decision in real time? Then you are exactly right here.

The attached credit comparison meets all your expectations. In addition, it not only allows you to complete the loan application within 5 minutes. They even receive an offer from most providers to make the loan application legally binding within 30 minutes.

Credit in 5 minutes – consumer friendly online loan

Credit in 5 minutes - consumer friendly online loan

Every working person feels more or less trapped in the “treadmill” of binding dates. Efficiency determines acting in professional life and privately. To apply for the necessary credit in 5 minutes, the individual time planning is very accommodating. Millions of times, borrowers no longer opt for the traditional credit at the house bank, but for loan offers from the network.

This is not just about low interest rates, but about time savings. Employees, visiting the house bank, just to lead the loan, often a whole day’s holiday. Whether “in-between” allows you to take a holiday in the near future can increase the internal challenge. Every “holiday wish” affects given work processes and likewise the colleagues.

The bank’s online counter is open when credit seekers have the time and leisure to take care of credit. Nobody needs to bring in comprehensive credit knowledge, just to complete a loan application correctly. Applying for credit in 5 minutes is possible for anyone who understands simple questions in German. Most answers are limited to a tick, yes or no, as well as short statements and some number entries.

Innovations in online credit – now it’s even faster

Innovations in online credit - now it

The window of time for completing a simply formulated loan application is open to everyone. Thanks to the widespread Internet via mobile phones, even the breakfast break during working hours would be sufficient to submit an application. However, the loan application is not yet legally binding. In the past it was difficult for working people to find the time frame for the legally binding application in the Post-ID procedure.

After the work to go to the post office, to wait with all the other workers in the “Feierabendschlange” strained the tight schedule. Modern loan in 5 minutes, simply applied for a good credit comparison, can save this time. Instead of the Post-ID for the legally required identity check, the loan application is made legally binding by means of Videoident.

Anyone who has a smartphone, tablet or other device that is suitable for video telephony can use videoidentity. Today, almost every device, from mobile phones to game consoles to PCs or laptops with cameras and microphones, can function as a videophone. In addition, a free Skype account and a small check mark in the loan application would be necessary.

Videoident – quickly apply for a legally binding loan online

Videoident - quickly apply for a legally binding loan online

Videoident, the personal legitimacy for loan applications and account openings, was only admitted in 2014 by the Dufol. Basically, the law required the identity check to avoid money laundering. At the same time, the process protects lenders from falling for fake identities. The only annoying thing in the past was the time wasted on the online loan through the application route by mail.

Applying for a loan in 5 minutes saves a lot of time if the subsequent steps are delayed. For the application by videoident the waiting time until the callback of the examiner is about 30 minutes. He answers by video call. The valid identity card must be kept ready for examination, alternatively the passport in connection with the registration certificate.

In addition, the caller checks that the loan application is actually made personally. For this purpose, he looks at the application for a credit card with a camera and compares the personal data with the identification data. In addition, the evidence referred to in the loan commitment annex may also need to be kept in the camera for review.

Overall, the exam takes less than 5 minutes on average. Depending on the offer used, the examiner, after successful ID verification, sends a verification code via SMS to log in to the lender’s homepage. In most cases, direct banks allow the upload of the required evidence as part of the verification. This completes the procedure of legally binding loan application.

Fast credit at almost any credit rating

Fast credit at almost any credit rating

The convenience of applying for low-interest credit in 5 minutes is not just reserved for people with excellent credit ratings. Almost the entire range of credit ratings will find a suitable offer for the convenient online loan. Credit comparisons, such as that of Smava contribute to the fact that almost everyone quickly finds it and applies purely online. There is an exception. Foreign credit without Private credit for Germans.

The debt-free loan could be requested directly from Sign Crediter, but the loan application must be manually downloaded and completed manually. In addition, the legally binding direct application can only be made via the classic Postident by post. Alternatives provide some credit intermediaries. They feel the modern online loan application.

The credit in 5 minutes via intermediaries is still not equivalent to the direct application for credit. The entered data do not go directly to a bank, but take their way through an intermediary. For reasons of data protection, it is very important to pay attention to whom the application is made. Not every mediator works seriously.

Mini credit – TackCredit without loss of time

Mini credit - TackCredit without loss of time

If liquidity is lacking to meet the needs of everyday life, borrowers are in a particular hurry. They expect the loan in 5 minutes, as possible application, credit decision and loan payment to unite. Quite fast, unfortunately, it is not. The currently fastest flash credit probably offers Neofunding from Berlin.

It is a loan in 5 minutes facing the application. The mini credit is eligible despite low income and recognizable credit rating restrictions. With a view to the passage of time, a lightning loan with payment in 24 hours would be the first application.

The lightning loan for existing customers gets really fast. Credit in 5 minutes can almost literally apply to mini credit for existing customers. Guaranteed, through the express option, application, credit check, credit decision and payment within 30 minutes.


New loan offers for your old loans: best personal loans and changed by private individuals on offer


Let’s find out the best offers on loans available for 2019. We will see the best opportunities to be seized on the spot both for personal loans offered by banks and financial institutions and for loans made by private individuals. The conditions of the funding on offer and the requirements necessary to submit the request.

Offers Astrofinance Personal Loans: when and how to take advantage of the best financing

Offers Astrofinance Personal Loans: when and how to take advantage of the best financing

If you are looking for the best offers on personal loans, then it is possible that the solution that suits you is the one reserved for Astrofinance customers. With this funding it is possible to receive a sum of money ranging from 1000 euros up to as many as 60000 euros. Without dwelling too much on the general characteristics of Astrofinance personal loans, the aspect on which we dwell in this article are the numerous offers that are published from time to time on the bank’s website. For this reason our advice is to periodically visit the Astrofinance web page to stay up to date on the best financing available, so you do not miss the most convenient deals.

For example, currently the Astrofinance offer of June 2019 is presented to us through an example of an estimate that we find on the homepage of the Astrofinance website. The request considered is for an amount equal to 15000 euros, which could be useful for the purchase of a car, for the renovation of the house and so on. If you want to complete the reimbursement in total serenity, you can choose a rather high duration, in order to fix light monthly installments. Astrofinance in its offer recommends a refund in 96 installments, each amounting to € 195.00. In this case, the offer provides rather low interest rates, with a fixed Tan 5.70% and fixed Taeg 5.86%. The total amount to be repaid will therefore be equal to 18720 euros, for a cost of financing of 3720 euros, which considering the high number of installments is very convenient.

Ultranix Personal Loan on offer: installment calculation and interest rates

Another credit institution that allows us to receive personal loans at very good conditions is Ultranix. As pointed out on the company’s website, it is possible to apply for a completely online loan to receive up to € 30,000 in just 48 hours. Also very important for the evaluation of a loan is certainly the flexibility and the ability to adapt to customer needs. In this sense, Ultranix is undoubtedly among the best financials in circulation, as it allows us to choose a duration from 12 months up to 120 months. In this way all those seeking a loan with light monthly installments will be satisfied. At the same time if you prefer to save on the cost of interest, then it is necessary to set the lowest possible duration among those that provide for an installment within our reach.

Also with regard to Ultranix loans it is good to stay up to date on the latest offers available, which are presented to us on the company’s website. We are presented with a representative example of the most recurring cases, which considering a 12-month observation period turned out to be a request for 10,000 euros with repayment in 84 months. In this case, the monthly repayment installments provided for by the offer will be very light, given that we are talking about 147.00 euros. As for interest rates, Ultranix provides a 5.59% Tan and 6.37% Taeg. In this offer presented on the Agos website there is a charge of € 2,348.00, and there is no monthly cost of practical management.

Bankate financing: free online quote to compare the best offers

Bankate is among the credit institutions that frequently publish interesting offers on their website. As always, the best method to find the best loan among those offered is to request a free quote online. On the Bankate website we are immediately offered the possibility to calculate the installment and the interest through the simulator. To know all the features of our financing, just enter the amount to which we are interested and the amount we want to fix. By entering our date of birth and clicking on “Free Quote” we will immediately present all the best offers of Bankate that meet our requests.

First of all, it is important to underline how Bankate loans do not involve preliminary costs. Also very useful is the possibility to present the 100% request online using the digital signature and therefore in total security. So let’s see the example presented to us on the company’s website to see in detail the characteristics of the Bankate offer. Also in this case a 10,000 euro loan is considered, with repayment in 72 installments. By choosing these parameters we will be offered a monthly repayment installment of € 168.10, therefore decidedly light. Interest rates will be quite convenient, with a 6.50% Tan and 6.82% Taeg.

Flesh Loan Offer: quote example and how to request online

Among the best offers of personal loans you can not fail to mention the InDirect financing options. The Flesh Loan can be requested directly online with digital signature. Among the advantages of this product there is certainly the delivery speed, given that we will have the possibility to receive the amount we wanted in just 5 minutes! The sum of money that we can request through Flesh Loan ranges from a minimum of 3000 euros up to a maximum of 50,000 euros. The offer of InDirect is very convenient for several reasons. First of all, they are not expenses for opening and managing the file. Furthermore, it will not be necessary to pay the annual stamp duty and termination tax and we will have the possibility to choose the early termination without any additional cost. Finally we can use the Riduci Rata and Salto Rata services free of charge, which will allow us to manage our financing according to our needs, redefining the repayment plan.

As we have seen for the previous credit institutions considered, also in this case on the InDirect website we are presented with an example to better analyze the conditions of the offer on the Flesh Loan. A loan application amounting to 10000 euros is considered, for which a 60-month repayment plan is chosen. The repayment installments provided for by InDirect will be equal to 207.34 euros, with interest rates of Tan 8.95% and Taeg 9.44%. The total amount to be repaid will be € 12465.40, so the total cost of the loan will be € 2465.40. If the amount you are interested in is different from 10000 euros and you want to know the conditions of the offer for your Flesh Loan, just use the simulator available on the InDirect website, inserting the desired amount and the duration you prefer.

Loans changed by private individuals on offer: advantageous solutions or scams?

Loans changed by private individuals on offer: advantageous solutions or scams?

A particular type of loan that is usually offered to all those who have difficulty in receiving a personal loan by turning to a bank or financial institution is the loan that has been changed. In particular, the categories of customers targeted by the unemployed and those who have been reported as bad payers. This is in effect a personal loan, with the difference that repayment takes place through the payment of bills issued by the lender. Modified loans are provided by private individuals, thus offering the possibility of receiving the desired loan even to those who do not have the guarantees usually requested by the lenders. This is possible because the bill, through stamp duty, is in effect an enforceable title, with which the lender can easily request the seizure of the assets to obtain the sum of money lent and all the interests agreed.

From this point of view, the offer of the changed loans represents an excellent opportunity for protested or non-paying customers. At the same time, however, it is good to be very careful when receiving a loan from individuals of this type. There are many offers of loans that can be found especially online, so it is good to pay attention to any scams. In particular, our advice is to distrust all those who promise extremely low interest rates. Often the scam consists in requesting the payment of management fees before the loan is granted, and then becomes untraceable for the client. Attention must also be paid to the applied interest rates, as sometimes private individuals offering changed loans set extremely high rates, exploiting the lack of customer alternatives to the desperate search for a loan. In this sense the law defines the thresholds of usury over which the financing is illegal and therefore it is possible to report the private who lent us the money.

Personal Loans between individuals online: the best offers through social lending

If you are interested in receiving a loan from individuals online, the most convenient and secure solution is undoubtedly that of social lending. It is a social loan, that is, in a sense, a help that is offered by citizens to other citizens, who can thus realize their project. On the internet there are various community social active lending, they are put in touch with the Service Claimants. The difference with respect to loans made to private customers that we have just discussed is that the online platform in which the loans are provided is 100% secure as authorized and controlled by the Bank of Italy. 

The operation of the various social lending platforms is very simple and is rather “standard” in the sense that there are no particular differences between the three websites we have just mentioned. Once registered on the website, it can be presented as a Requestor or as a Lender. The method of requesting a loan is very similar to that which can be found by connecting to a bank’s website, given that we will have the online simulator available for the calculation of a free estimate with installments and interest rates. Once the request has been made, the various active Lenders will be able to decide the amount of money to be offered. Our funding will therefore be provided by different Lenders, but this will be hidden from the platform since we will receive a single amount and we will have to pay a single installment. The platform, which will act as an intermediary between the Applicant and the Providers, will divide the installment that we will pay among the various investors, each based on their percentage of financed amount.



Private Credit Marketplace – Lending Money From Home To Home


In the private credit marketplace everyone can take out or offer a personal loan. Private loans are straightforward and often cheaper than banks. The brokered loans are granted from private to private. The borrower can determine his own interest rate and thus respond to his individual financial situation. An editorial over at

Loans range from 1,000 to 50,000 euros , at interest rates between 1.5 and 15.9 percent, with maturities of 12, 18, 24, 30, 36, 42, 48, 54 and 60 months.

 Unlike loans from banks, personal loans are issued by private individuals acting as investors. Everyone gets the chance to get a loan, the only requirement: coming of age and no “hard negative features, such as the existence of a bankruptcy.

This system is similar to the auction house eBay, except that here the bid with the lowest interest will be awarded. In this mutual underbidding, the interest rate drops by an average of 2.2%.

The financial settlement of the loan from private then takes over the SWK Bank. If a loan project has not been fully financed, even after the maximum credit period has expired, it will be taken out of the offer and the borrower is free to reinstate it.

Loan seekers present their project here or investors choose a project here:
Many individuals have already been able to easily borrow a $ 50,000 loan . The personal loan is available with instant confirmation and fast payout. Borrowing money without a bank and without much bureaucracy is very popular with borrowers.


Meeting For Private Investors And Borrowers


Meeting For Private Investors And BorrowersPrivate lenders or private investors lend money from their private assets to other people who urgently need money. The platform for private lending, also helps start-ups or self-employed who are looking for capital for investment. The free registration is a credit check. This also a Schufa information is obtained. But even if their application has been rejected at the house bank or another bank, the applicant has a chance of a personal loan. Because on this credit market place to lend private money , there is credit despite negative Schufa.






Offer Credit By Private Without Pre-Payment


Offer Credit By Private Without Pre-Payment


You are currently in a difficult financial situation and looking for a sensible solution? At best you seek contact with reputable private financiers . You can find this private lender contact in the money lending platform. You only need to tell private money lenders what you want to use the money for privately. In a few minutes you can apply for your loan. Your loan application will be automatically sent to private investors.