Monthly Archives: February 2019

Debt Consolidation: Loan despite chargeback

A loan is possible despite return debit. Contrary to the assumption of some bank customers, such is not one of the private credit negative features. Rather, the credit protection does not even know that a return debit has been made.

A chargeback can have different causes

A chargeback does not necessarily indicate an uncovered account. Rather, it occurs even if the account holder objects to an unjustified debit. In this case, the account balances indicate that the chargeback was not due to lack of coverage. It is desirable to have a clear description of the return debit note as triggered by the bank customer in the booking text, but so far only a few banks apply corresponding wording. A loan in spite of a return debit as a result of an unjustified direct debit is not a problem, provided the credit bank carefully reads the bank statements.

Borrowing is more difficult if the return debit has actually been due to a lack of cover. In this case, a loan application from a financial institution that refrains from submitting current bank statements is recommended. This applies to financing by installment payments almost always in the trade and consumer loans to individual banks. It can be seen that the bank statements are not requested because the credit bank does not list them under the application documents to be submitted.

Even a lack of account coverage is not necessarily due to the fault of the account holder. The bank may have rejected a correct debit after unauthorized access to the checking account had previously occurred. This situation can be pointed out by the loan applicant. It is also conceivable that a bank account was not covered due to a delayed salary transfer. In this case, it is questionable whether such an indication actually increases the chances of lending. The financial institution may also rate the non-punctual transfer of funds by the employer as a risk factor for an impending job loss as a result of bankruptcy of the business.

To assess the financial situation correctly

To assess the financial situation correctly

If the non-execution of a direct debit is due to the lack of account coverage, the applicant ensures that the later credit installments can be debited on time. Some financial institutions carry this out to a desired date. In this case, there is a charge date for the credit installments a few days after the salary has been received.

A loan can not be withdrawn despite the return debit of a loan installment if the bank customer transfers the amount without delay. However, this does not apply to payment arrangements where a single payment irregularity can lead to the annulment of the relevant arrangement. Only a few consumers are aware of the difference between the two forms of contract. In simple terms, this means that payment agreements are only made after the invoice has been issued.

Low credit rates and the right to an occasional installment break are recommended for a loan despite a return debit. The latter allows the loan to be properly repaid even if the borrower has to pay unexpected additional expenses. A faster loan repayment with an improvement in the financial situation is possible if the credit agreement provides for the right to special repayments without deduction of prepayment interest.

A careful credit comparison is particularly important for a loan despite return debit, to find a cheap loan. The banks issue installment loans either at identical interest rates for all applicants or at a credit-based interest rate. In the latter case, credit seekers do not find out their personal credit costs until they make a non-binding request. With the maximum average creditworthiness to be assumed after a return debit due to lack of coverage, fixed rate loans are generally cheaper for all customers. Lending at fixed interest rates does not preclude the Bank from increasing the effective annual interest rate for particularly long and extremely short contract terms.

An instant loan offers itself as credit despite return debit only if the borrower needs a portion of the money for quick account settlement. In other cases, the applicant chooses a loan with bank processing time, as this is cheaper than a quick loan.

To apply for an organized personal loan despite a return debit

As an alternative to the bank loan, there is a private loan, despite a return debit, which is requested via an internet platform for organized private loan. In the first step, the prospective customer can register as a borrower on the platform. Neither a return debit nor a soft or completed private credit negative feature is contrary to the registration.

Admission as a borrower entitles you to submit a loan request. Once it has been fully subscribed, depending on the amount of one or more private lenders contribute, the desired loan amount is transferred. An earlier return debit is not known to the registered as a lender members and thus has no negative impact on the chances of funding. Important for this is that the adjuster of a personal loan request describes the intended use as accurately as possible and that he quickly answers incoming requests via the internal communication system. For many private lenders, the most important decision criterion is whether they want to support the specified loan usage.

100 thousand euro loan for debt consolidation: how to get 100,000 euro, best estimate and installment calculation


All you need to know about the 100,000 euro loans, with the characteristics of this form of financing. Let’s find out how to get 100 thousand euros at particularly advantageous conditions. Finally, how to request a free estimate with an installment calculation to identify the best personal loan also based on the applied interest rates.

How to get a loan of 100 thousand euros: required requirements and who to contact

How to get a loan of 100 thousand euros: required requirements and who to contact

In this page we will deal with a form of financing that allows us to receive a very high amount, equal to 100,000 euros. As you can easily imagine, it is not always easy to access such a loan. Very often the type of financing proposed to receive 100 thousand euros is that of the mortgage loan, which requires as a fundamental requirement the possession of a property. How to do if you do not own a property? Fortunately, there are some personal loan options that still allow us to get the amount of money we need. It is worth remembering that personal loans usually provide a maximum payable amount of € 30000, so not all credit institutions are willing to lend such a large sum of money. So let’s see who we can turn to for a 100,000 euro loan.

The first bank that offers personal loans of 100,000 euros is Yobank. The product to be requested in this case is the one that takes the name of PerTe Exclusive, which provides for an amount that can be requested from 75,000 euros up to even 300,000 euros. As you can easily imagine, in order to obtain such an important sum of money, equally important guarantees are needed. Among the requisites required is above all that of being aged between 18 years and 80 years and of being resident in Italy, moreover it is necessary to be employed or retired. Considering the amount we are requesting, however, this economic guarantee is not enough. In order to access the € 100,000 loan it is necessary for the client to pledge certain financial products. Based on the value of these products and the customer’s income, the maximum amount to which the customer can access will be defined. The advantage of Yobank’s PerTe Exclusive loan is represented by the possibility of obtaining the amount we need without having to divest our investments.

Another very valid 100 thousand euro financing option is the Onecredit Restructuring Loan. Also in this case among the required requisites we find the residence in Italy, with a maximum age of 80 years. From the point of view of the requirements, the advantage of this product compared to that previously analyzed is that it is not necessary to issue collateral. In order to obtain a Onecredit Restructuring Loan of 100,000 euros, the only necessary documents, in addition to the personal data, will only concern the income capacity of the applicants. If the maximum amount that can be requested based on our income is less than 100 thousand euros, Onecredit offers its customers the possibility to insert a guarantor that allows us to access the desired amount.

Another very valuable product that allows you to receive up to € 100,000 is the PAL Loan In Novo 1 Click. The bank of the PWL Caribal Group offers its customers the possibility of receiving such a high sum of money through a simple personal loan. Unlike what has been seen for Onecredit, in this case the purposes of financing are the most disparate, ranging from the purchase of a car to the purchase of a house, but also the renovation of a building and the purchase of household appliances, furniture, photovoltaic panels and more. The 100,000 euro PAL Loan is at a fixed rate but with a flexible installment, given that the customer has available the services ” Malta Rata ” and ” Cambar Rata “, thanks to which it is possible to postpone the payment of an installment or modify the amount. The disbursement takes place on the current account held by the beneficiary of the loan, which in order to access the 100 thousand euro loan will have to present only the paycheck, the pension slip or the Single Model for self-employed workers.

100,000 euro loan: best estimate with installment calculation and interest rates

If you are looking for a loan of 100000 euros as always the best thing to do to find the most convenient product is to request a free quote to different companies. Previously we have presented you the best products currently on the market regarding the amount we are dealing with. To calculate the online estimate, the service that we find on the PAL website is very useful. Here we have the opportunity to calculate the installment and interest rates in one click, through your home computer and without even having to register with the site. All we have to do to calculate the best estimate for us is to specify the characteristics of the loan we are interested in. In particular we are asked for the project we want to achieve, the amount we need and the monthly rate we prefer.

Loan 80000 euros

To present you the best estimate we have done a simulation considering obviously a request of 100 thousand euros, while for the purpose we have chosen the purchase of a house. Regarding the monthly payment we prefer, we choose an amount equal to 1500 euros. The best estimate for us that we are selected by the company is that which provides a duration of 96 months. In this case, in fact, the monthly installments will be from 1393.50 euros, with interest rates Tan 7.60% and Taeg 7.88%. On the same page we are presented all the options of PAL Loan In Novo 1 Click from 100000 euros, which differ for the duration of the repayment plan. The following table shows all the personal loan estimates in order to give you an idea of ​​the costs related to this type of loan.

48 months € 2,422.60 7.60 7.88
54 months € 2,192.40 7.60 7.88
60 months € 2.008.60 7.60 7.88
66 months € 1,858.60 7.60 7.88
72 months 1,733.90 euros 7.60 7.88
78 months € 1,628.70 7.60 7.88
84 months € 1,538.80 7.60 7.88
96 months € 1,393.50 7.60 7.88
108 months 1,281.30 euros 7.60 7.88

Thanks to this table it is easy to find the best quote according to your needs. Unfortunately, as regards the other two forms of 100,000 euro loan that we have presented on this page it is not possible to calculate the online estimate. To know the monthly payment and interest rates you can still contact the company and make an appointment at the branch. In this way you will have the opportunity to receive further information on the loan of 100 thousand euros, and according to your needs the bank’s consultant will be able to present a detailed cost estimate for your loan.



What is Debt Consolidation?

Solve your debt

Solve your debt

Being a slave to your debts is torture. Imagine that you can lose your assets and damage your credit history is not something that provides a quiet dream. But do not worry, there are ways and in Duplex we tell you how to solve your debt.

The ideal is that under no circumstances acquire debts that break the balance of your finances, but if you feel that you have already passed that limit, the consolidation of debts is a tool to achieve it.

The procedure consists of approaching a bank or institution that offers better payment terms and manages to settle debts obtained in other institutions and transfer them to them.

The institution collects what were previously several debts in a single monthly payment, so you can reduce the expenses that are on different cards helping you with your finances. The truth is that although the monthly payment is reduced, the duration of the debt can be extended.

There are several institutions that perform debt consolidation in different ways; These are some examples:

  • From the transfer of debts in bank and departmental cards
  • In general, they accept a minimum amount from the client but it is done by inviting people suitable for this program
  • The line of credit as well as the terms are assigned by the institution, being these from 6 to 48 months with the possibility of being opened

The recommendation above all is to deal with a single debt but it is important to make sure that the interest rate of the institution is lower than that of debts alone.

In Duplex, you can ask for a loan to pay off your debts and consolidate them with a much lower interest rate than the other institutions from a P2P system (peer to peer, or by its acronym in English, from person to person), which changes radically the centralized functioning of finance today.

For this reason, we not only tell you that Duplex is your best option to consolidate a debt, but it also allows you to omit intermediaries after a review of your credit bureau history.

If you feel overwhelmed, do not hesitate to consolidate your debts in the best possible way with Duplex.