Loan Comparison – Bank, non-bank loans and US mortgages

Do you want to buy some new equipment for your apartment, new car or electronics? Do you need to borrow for study or for a nice holiday? In this case, we would like to offer you a useful loan comparison.

Are you considering taking a loan for planned spending? 

Are you considering taking a loan for planned spending? 

A number of financial institutions offer loans, loans, mortgages. You can borrow from a bank or from a non-banking company. Finding the best loan but may not be easy. Someone will lend you free of charge, but with high interest. Elsewhere you have low interest, but you pay different fees. At some banks you have to set up a bank account, prove your income, or have a guarantor with your loan, or even pledge a house or apartment.

Our loan comparison should make it easier for you to navigate between different offers for money, from both bank and non-bank sources. In the well-arranged comparison table you will find almost seventy different loans and credits. It can very easily compare various criteria such as minimum and maximum loan amount, maturity, approval fee, loan management fee, early repayment conditions, conditions for obtaining money or other parameters

Loans without proof of income

Loans without proof of income

Money without proof of income is provided primarily by non-banking companies. Or even banks – in the form of an American mortgage or loans with real estate collateral. You can borrow a significant amount of money without proof of income, but you must be the owner of a property. Without real estate collateral, you can get tens of thousands of crowns at non-banking companies without proof of income. Even with real estate collateral you get a maximum amount of up to 50% of the estimated price of a house or apartment

American mortgage

American mortgage

This non-purpose loan with real estate collateral allows you to get up to 85% of the appraised price of a house or apartment (which you give the bank pledge). The advantage of this offer is that you do not have to tell the bank what you are borrowing money for. You can easily get money for anything – from business to buying a car or other personal expenses. You can also easily consolidate other loans or loans or other financial liabilities and debts from your American mortgage.

Consolidation of loans

 

If you have several different obligations (loans, loans, mortgages or credit card or installment purchases), loan consolidation is one way to reduce regular payments and even get some extra money. In this case, the bank or non-banking company will pay all your other obligations. You only have one loan to pay back. When consolidating loans, you can arrange for a longer maturity or get more favorable interest. This allows you to better manage your debt and debt repayments. Loan consolidation is also possible for mortgage refinancing.

Car loans

Car loans

 You can buy a new car with any bank or non-bank loan or lease. However, if you choose specialized car loans, you will have better terms and lower interest rates than a normal non-purpose loan. For special-purpose loans (where the bank knows the purpose of using the money), all financial institutions offer better terms than normal cash loans for anything.

Loan without guarantor

Loan without guarantor

Most bank and non-bank loans are provided up to a certain amount without a guarantor. The prerequisite for obtaining money without a guarantor is to prove the required minimum income. Depending on the amount of the loan, it is always at least 10 to 15 thousand crowns net (but it may be less for some non-bank offers). If you want to borrow a higher sum of money, and your income is not high enough, you will need a guarantor. He must then prove his income, and if you stop repaying the loan, he will have to pay for the amount owed

Loans without fees

Loans without fees

In addition to the interest rate, it is important for each loan or loan to carefully monitor all other fees you will have to pay. They rarely offer you money at no charge. You often pay a credit approval fee with your bank (paid only on successful approval). Or the bank requires you to have a bank account open, and then the loan will be overcharged by your account maintenance fees. For housing loans or mortgages, there is a normal loan management fee. Somewhere you can get loans without charge – but it has one catch, for such a loan you pay higher interest than standard offers.

Loans without registers

If you have ever been late in your bank to pay an installment, or have withdrawn more money from your account (unauthorized overdraft), or else you have paid a postal order or invoice later than the due date, you may have a problem. All such overdue payments and other misdemeanors are recorded by the banks in the client information registers. And people with “records” may have a problem when negotiating with the bank. Loans without a register are then offered primarily to non-banking companies. But they pay for this service properly, in the form of high interest.

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