Monthly Archive: August 2019

Borrow money small amounts without BKR review

Do you want to borrow small amounts of money without BKR testing? Instead of borrowing from the bank, it is better to take out a loan online and have money today!

Many people immediately think of the bank when it comes to borrowing money. But is this the most favorable way to borrow? There are also other loan providers on the market that apply much less strict conditions and with which you can make money much quicker and easier! In this article we discuss the online credit providers that make it possible to borrow small amounts without BKR verification! You too can take out an online loan today to get money quickly!

Borrowing small amounts without BKR testing is possible!

Borrowing small amounts without BKR testing is possible!

You would not expect it, but there is no law that requires a BKR assessment. Each financial institution decides for itself whether or not to perform a BKR review. Online credit providers see that a BKR check excludes many people from a loan and, among other things, they choose not to perform a BKR check. Other reasons they have are that this assessment takes a lot of time and, moreover, that it is not necessary to carry out a BKR assessment because these are relatively small loans. In short, with online credit providers you can borrow money with BKR registration!

Borrowing small amounts without conditions without BKR review without conditions

Borrowing small amounts without conditions without BKR review without conditions

Where you have to deal with all sorts of conditions at the bank before you can take out a loan, with online credit providers you only have two rules that you have to take into account. If you are 21 years or older and have a fixed income, you can already take out an online loan. Fixed income also includes student finance, care allowance and alimony. That way a loan is always possible with online credit providers!

Borrow money small amounts without BKR review via the internet

Borrow money small amounts without BKR review via the internet

Online credit providers therefore offer the option of taking out a loan via the internet. This is very unique and offers many benefits. This way you can already arrange your loan application in 5 minutes, whenever it suits you. Also late in the evening and at the weekend you can still apply for a loan. When you have made your request you will receive a confirmation message and with many online credit providers you will receive your money 10 minutes later. But in most cases you can assume that you have money in your account the same day. Unlike at the bank, you do not have to wait for your money but you can spend it immediately!

Borrow money small amounts without BKR review and how much can I borrow?

Borrow money small amounts without BKR review and how much can I borrow?

This concerns small amounts, but exactly how much can you borrow with a loan from online credit providers? It concerns amounts from 50 to 1000 euros, and you determine the exact amount of the loan. So do you want to borrow 150 euros for a night out, 700 euros for that new laptop or 900 euros to pay off old debts? With an online loan you can arrange it directly and moreover you don’t have to give up what you want to do with your money!

Did you already know about these subsidies and schemes for starting entrepreneurs?

For starting entrepreneurs it is important to think out the business plan financially. Therefore do not forget these subsidies and schemes!

What are subsidies and schemes for starting entrepreneurs?

What are subsidies and schemes for starting entrepreneurs?

Subsidies and schemes for starting entrepreneurs are financial benefits that the government creates for entrepreneurs in the Netherlands. In this way the government tries to stimulate the economy and to keep the business climate favorable. As an entrepreneur it is therefore important to delve into the possibilities. Below we list a number of important subsidies and schemes in the Netherlands.

Subsidies and schemes for starting entrepreneurs: assistance self-employed

Subsidies and schemes for starting entrepreneurs: assistance self-employed

For all self-employed entrepreneurs there is the possibility to make use of the Decree on assistance to self-employed persons (Bbz) at the municipality or province. According to this law there are possibilities for financial support: from loans to general supplements to income. A condition for this is that you work at least 1225 hours a year for your company and your income is below the social assistance level. This arrangement is also only possible if you do not already receive assistance through another institution.

Subsidies and schemes for starting entrepreneurs: guarantee SME loan

Subsidies and schemes for starting entrepreneurs: guarantee SME loan

If you are an entrepreneur in small and medium-sized businesses, it is possible to apply for a guarantee on part of the credit. This means that you can borrow more from the bank than usual. If something goes wrong, the bank can rely on the guarantee for SME loans (BMKB) from the government. For the conditions and maximum amount of the loan you can visit the site of the Central Government.

Subsidies and schemes for starting entrepreneurs and scheme for disability

Subsidies and schemes for starting entrepreneurs and scheme for disability

If you are incapacitated for work and want to set up a company, you can get help from the government. Think of a start-up credit, income supplementation or reimbursements for, for example, an interpreter. You can request the options for this from the UWV. To be eligible for this scheme, you must be entitled to benefits and the provisions must be necessary for starting a business.

Subsidies and schemes for starting entrepreneurs: start a business with unemployment benefits

If you now receive unemployment benefits and want to start for yourself, you can do so while maintaining your unemployment benefits. You can also request more information from the UWV for this scheme.

Microfinance and subsidies and schemes for starting entrepreneurs

Microfinance and subsidies and schemes for starting entrepreneurs

Microfinance is a well-known scheme for many entrepreneurs. Microfinance was created to help starting entrepreneurs on their way and to create new opportunities. Microfinance concerns business loans up to a maximum of 50,000 euros (for amounts above that you can see whether you are eligible for SME credit). With microfinance you are also intensively guided in the process of starting a business. Microcredit Netherlands Foundation, Qredits, is also responsible for handling microfinance.

Subsidies and schemes for starting entrepreneurs: starters allowance

Subsidies and schemes for starting entrepreneurs: starters allowance

The start-up allowance is one of the most important schemes for starting entrepreneurs. The start-up allowance states that entrepreneurs may deduct three times extra money from the profit in the first five years that they do business. To be eligible for this you must be entitled to the self-employed person’s allowance. The benefits can amount to more than 2000 euros extra.

Which schemes or subsidies do you use as a starting entrepreneur? Share your experiences below.

Where to save my money?

The decision of where to save money, where to deposit it, must be well calculated. We tell you what is the best strategy.

I have a friend from whom I learn a lot about personal finances. I, for example, chose a bank that had many ATMs. He studied which one offered the best return on his savings before opening his account.

But, in addition, it made me think seriously about saving. What we save within the financial system has a multiplier effect on the economy. Your savings are used by the financial institution to lend to companies to purchase machinery, new warehouses, more equipment; for builders; And, of course, for buyers. That money circulates and gives life to business.

On the contrary, keeping money in a safe does not produce the same effect.

Your savings are not just your savings; They are the injection of the economy. Who will pay you better?

Where to open a savings account

Where to open a savings account

As a general rule, in our country, rural and municipal savings banks offer the best rates of return on their savings accounts. It is your magnet to attract customers. Instead, it is common to find other types of strategies in banks to capture money from new customers: gifts and prizes.

You decide what you prefer.

The important thing, always, is to be sure that your money is safe. The entities supervised by the Superintendence of Banking, Insurance and AFP belong to the Deposit Insurance Fund. In the event that the entity suffers a bankruptcy, the fund will respond for your savings. You can check on the SBS website if the institution is monitored.

In any case, which can be 0% or 2%, must be analyzed together with other variables:

  • Does the account require a minimum amount?
  • Do you charge commissions?
  • Do you require an average balance?
  • How much do they charge you to withdraw?
  • What other conditions do they have?

Term Deposits

Term Deposits

This is a very interesting savings. As the name implies, you will deposit a sum of money during a given period. Normally, the minimum amount is S / 2,000. The term can be 30 days or 720.

If you don’t need money quickly, choose the furthest term. You will see that the rate improves in the longer term.

The deposit is a safer and more profitable product than a checking or savings account. And if the entity offers you zero maintenance cost, the possibility of choosing the currency in which you will save and the best rate in the market, what more can you ask for.

Pension funds

Pension funds

Pension funds allow voluntary savings and have conservative, half-conservative and risky investment portfolios.

The funds invest in local and international stocks and bonds.

The higher the risk, the better profitability. But you will not always win. That you must be clear about.

Investment in the funds must be monitored frequently. You must be alert to move money when trends change. Transfer it to a more conservative portfolio or withdraw it to other options.

Actions

Actions

The stock market is volatile and that is precisely what is interesting.

  • If the financial results of the companies are favorable, the price of their shares will remain or grow.
  • Prices obey the demand dynamic. At low demand, prices fall.
  • International indicators, such as the price of oil, the euro, or political crises affect prices.

The profitability in stock market is very appreciated. Therefore, for some it is the best place to save. Stockbrokers are duly authorized to negotiate shares by the National Supervisory Commission of Companies and Securities (CONASEV).