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August 2018

What are the characteristics that the perfect car loan should have?

car loans

The 3 essentials of the best personal loans

If we are thinking of buying a car, choosing the perfect car loan for us is one of the most important parts of the buying process. Compare between different offers instead of staying with the first offer and knowing the most important characteristics that make them – or not – a good offer will be essential to get the best car loan.

1 – The cost of the loan: the most important

The cost of the loan is the most important factor that we must take into account when looking for financing, whatever the purpose. Currently, according to the latest published data from the Bank of Spain, the average APR of consumer loans was 8.91%. Currently, with the great offer of loans to finance cars that are in the market, it is important to look for a credit below the average. Currently, not the cheapest car loan of the moment is the Cofidis Project Credit , which leads the ranking of the best credits to finance a car:

Lender Quantity Cost characteristics I’m interested
Cofidis New Automobile Project Credit € 4,000 – € 15,000 From 5.95% TIN
(6.12% APR)
  • No opening or study fees
  • No linked products
  • It is not necessary to change bank
  • Money in account in 24 hours once the request is accepted
Apply for

It is important to look at the APR and not just the TIN since, while the TIN tells us the interest we will pay for the requested car loan, the APR includes, in addition to the interest, other expenses such as commissions or connections.

2 – Car loan commissions

As we have said, the study and opening fees are included in the APR, so if the APR is low, we know that it is a cheap car loan. However, we must bear in mind that these commissions are paid together with the first repayment installment , that is, the first month will involve a greater economic effort.

The APR should always take precedence over other aspects, although if we get a car loan with a low APR and no commissions we will have a better offer.

3 – Connections for financing a car

These are products that the entity requires us to contract to access credit . In the case of car loans, the most common is that they ask us for insurance. There are two types of links: free ones, such as payroll or receipts, and others with costs, such as insurance or a minimum expense with the credit card. The less binding we have, the better because it will save us more paperwork and an additional expense that other credits will not have . The Cofidis project credit, for example, does not have any mandatory binding, although it does have payment protection insurance that we can contract if we wish. In addition, hiring or not this insurance will not affect the cost of credit.

In addition to these three factors that include in the cost of a car loan, we must also take into account the flexibility of the credit, that is, the possibility of extending the term, changing the amount of the installment or increasing the capital of the credit without this supposes too much paperwork or a commission to do it. This flexibility, although we will not always have to use it, gives us a margin to adapt the car loan to our current situation during its life.

Obama reaches the ecuador of his mandate with pending promises and greater popularity

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  • The president has the support of more than 50% of the electorate, according to the polls.
  • He faces multiple challenges in the second half of his term, especially after the Republican victory in the November legislative elections.
  • The House of Representatives approves this Wednesday a measure that could serve to revoke the health reform.
  • Obama must defend some of his achievements, lower the unemployment rate and fulfill pending electoral promises such as the closure of Guantánamo.

 reaches on Thursday the middle of his term encouraged by a recovery in popularity but with many questions about the future. And it is two years since almost two million people went to the Mall of Washington to witness the investiture of the first black president in the US.

The White House has acknowledged that the closure of Guantánamo “will take a while” Obama lives the anniversary in a sweet moment among the electorate. The polls suggest that it has managed to overcome the key 50% popularity barrier, something it has not achieved for months. In part, this recovery is due to the approval last December in Congress of a series of measures, such as the nuclear disarmament treaty with Russia START or an agreement to extend tax cuts , in which it sought, and succeeded, the support of the republican opposition. But in this boom of the president’s popularity has also played a role in the response to the shooting of Tucson on day 8, which killed six people and fourteen were injured, including Congresswoman Gabrielle Giffords. Obama went to a tribute service to the victims in which he delivered an emotional speech and called the union , not the divisions.

The tenant of the White House continues to maintain the great ideals of the campaign, although without the expected results . The Nobel Peace Prize in 2010 faces multiple challenges in the second half of his term, especially after the Republican victory in the legislative elections last November. The long-awaited health reform, the “jewel in the crown” of its electoral program, has been the first to suffer a setback, although symbolic, this Wednesday. The House of Representatives, under Republican control since those elections, has approved a measure that would dismantle the reform of the health system, amid allegations that its revocation will be a “disaster” for the economy.

This revocation , on the contrary, has no prospects to get ahead, since the Democrats still control the Senate and Obama has announced that he would veto it if he came to his office to enact it, it does indicate an indication of what the Republican strategy will foreseeably be for the next two years: of denying the president any achievement. Both the White House and the Republicans are clear that the electoral campaign for the 2012 elections begins already this year.

If Obama were to face Sara Palin today he would win with 56% of the votes Another of the promises of the president that is about to materialize is the relative to the closing of as recently recognized the spokesman of the presidency, Robert Gibbs , “it will still take a while” . Yes, it has carried out, nevertheless, the announced educational reform , which put an end to the role of private banks in the credit for federally insured student loans and has doubled the amount of scholarships awarded each year, doubling their previous funding.

In international matters , the action of the US Government has been the withdrawal of the last US combat troops in Iraq and a greater military presence in Afghanistan . Likewise, Obama has reiterated his commitment to the conflict between Israelis and Palestinians, acting as mediator between the Israeli Prime Minister, Benjamin Netanyahu , and the President of the Palestinian Authority, Mahmud Abás , with the objective of reactivating the peace dialogue in the region. . Also noteworthy is the signing of an agreement with Russia to replace the Strategic Arms Reduction Treaty of 1991, with a new pact to reduce the number of long-range nuclear weapons in the arsenals of both countries by more or less a third.

Your next ‘tests’

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The next litmus test that the president will face will take place next week, when on Tuesday he will deliver, before the plenary of the two Houses of Congress, his annual speech on the State of the Union, in which he will expose his legislative priorities for this year. After that, the president must convince with his budget proposal for the next fiscal year. On that subject a hard battle with the republicans is anticipated, that based good part of the campaign with which they gained the legislative ones of November in promises of fiscal austerity and of cut of the enormous budgetary deficit , superior to the 1.3 trillions of dollars.

Obama is carrying out a deep restructuring of his team To face these challenges, Obama is carrying out a profound restructuring of his team , where he has already appointed a new chief of staff, businessman William Daley , and a new economic adviser, Gene Sperling .

To be held today, the president would beat the Republican Mitt Romney with 51% of the vote, compared to 38% would get the former governor of Masachusets, while if he faced Mike Huckabee would also be imposed by 50-31% of the votes. If her rival were Sarah Palin, Obama would leave even better unemployed, with 56% of the votes, while the former governor of Alaska would get 30%, 10 points less than what the polls granted a month ago.

To be presented with a second term, Obama must comply with a series of basic requirements such as a reduction in the unemployment rate, achieve the support of independent voters and maintain support for his administration above 50%. Your new team will have to strengthen ties with the business world and collaborate with Republicans to maintain the ‘Obama brand’. And the president will have to remind the citizens why they went to the Mall on a cold January morning two years ago.

A Bankruptcy Lawyer Might Help Make Your Future Brighter

Financially the best method to get respite from debt burden is debt consolidation

Through this method, your department of transportation has to face any regulation suits as the negotiations occur between the creditor and the borrower. The loan amount is usually negotiated and a discounted mortgage amount is figured out. This particular loan amount is almost the particular half of the original loan quantity. You even get plenty of time to pay back the mortgage.

Pamela Jenkins is about to celebrate the particular fifth anniversary of the girl business, The Cupcakery, by providing free cupcakes to any that adopt animals in Vegas.

Yet people can also find themselves bankruptcy inside a big financial bind via no fault of their own- Pegasus One. A job could be lost because a company downsizes. A serious illness can cause economic hardship. The tragic personal reduction can also be the cause of people obtaining too far into debt.

The other alternative regarding bankruptcy is the settlement procedure which is settling the deal using the creditors

This is the process by which you negotiate with the arrangement company, they consider your trouble, and agree to arrange discussions with the creditors.

I did not decorate that will year. We had no shrub. We had no room for just one. We wrapped up the presents and stored them in a cabinet and waited. The downpours grew harder, the bankruptcy laws streets flooded.

They mistakenly claim that bankruptcy is the final resort, and they seem to bunny on and on a bit regarding at the ‘Stigma of Bankruptcy’. But it’s hardly a problem.

Avoid playing the fault game. It’s easy to sit about and point fingers at the partner, yourself, Wall Road and the government, but actively playing the blame game isn’t very going to help anyone cope with this. Just as aid plus legislation are being passed to assist, you have to do your part to assist, too-get informed, do all you can do and get out of this scenario in due time. Keep in mind, although this is a major living change, there is still fighting at the end of the tunnel (even if you fail to see it just yet). In case you are struggling for your home, you may make it through and perhaps become even closer with your family members than you were before. In case you are losing your home, you will very own a home again. This situation basically permanent and you can successfully get around this change.

HolaDinero, online loans with ASNEF up to € 1,000


HolaDinero grants credits of up to € 1,000 in minutes and at any time of the day. New customers can request up to € 500 without interest or expenses, and return the same amount they have requested within 61 days.


Benefits Free: First free credit No Payroll: Yes With Asnef: Yes Cash: Do not Limits Minimum term: 61 days Deadline: 61 days Minimum loan: € 100 Maximum loan: € 1,000

Additional information of HolaDinero

 HolaDinero is a Spanish company in the onine credit sector. It is characterized by granting quick loans without interest for new clients and by granting them even with ASNEF . You can ask for a maximum of € 1,000, although new customers can only get € 500 on their first application.

HolaDinero handles urgent money requests 24 hours a day, 7 days a week with immediate response at any time. You can get money in minutes and return it within 61 days , and if it is your first credit, without interest or expenses, that is, you return exactly the same amount you have requested.

The great advantage you have over the rest (or most companies) is that you can ask for up to € 500 without cost in the first credit , when in the rest of the companies the free credits do not exceed € 300. After returning that first loan the limit goes up to € 1,000.

The term of 61 days is also much longer than the competition since generally and in the case of mini-credits never exceed 30 days.

How to apply for a loan at HolaDinero

The requirements that you must meet are very few, but necessary to meet your request. You must be between 21 and 75 years old , reside in Spain and have some source of income (do not ask for payroll). They accept ASNEF provided that the debts registered in the file are not with financial entities.

If you meet the requirements enter the website and select the amount of money you need and the deadline. Remember that if it is your first mini credit you can ask for a maximum of € 500, although you will not be charged interest.

The next step is to fill in your personal and contact information in the online form. Check that the data is correct and click on the ” continue ” button.

In a few minutes you will receive an answer and if you have been granted the loan, the money will be transferred instantly. If you have an account in one of the banks with which HolaDinero works (Bankia, Sabadell, Santander or Caixa Calalunya) you will have the money immediately.

The loan must be returned on the stipulated date, and there is no turning of the page, so if you think you can be late when returning the money enter our quick credit comparison and look for another company that does let you postpone the payment even if paying interest.