Monthly Archive: September 2019

Loan for your new dream home

You are dreaming of buying your dream home that you have just found on the market, or you may want to invest a greater amount in something that you will enjoy for many years to come. But that may be easier said than done, as it is the few people who have all the money to spend on a new apartment or house.

Therefore, the vast majority of all the banks in the market offer that you can take out a profitable loan so that you do not have to give up the dream house. That way, you can make your dreams come true by investing in something that you will enjoy many years into the future.

However, there are some things that you need to be aware of before making the final deal with your bank. Here we have compiled a brief overview to give you an overview of what the various loans require from you and your current finances.

Which loan is right for you?

Which loan is right for you?

Mortgages are also called a mortgage loan. In this case, you typically only have to put up a loan amount yourself, which corresponds to around 5 percent of the amount you want to invest in. In addition, you can get 15 percent financed through various types of loans that you can take either through your own bank or through another credit union.

Basically, there are two different types of loan when you go out and buy your new home: a variable rate loan where the interest rate is only fixed for the next years or a fixed rate loan where the interest rate is fixed for the entire loan period.

The right interest rate for you


The advantage of having a fixed interest rate for the entire term of the loan is that the interest rate cannot suddenly increase, and you are thus guaranteed a stable repayment where there are no sudden surprises. However, it should also be mentioned that the amount you pay each quarter may vary, as you will have to pay a surcharge to take out a loan, which may well vary over time.

The advantage of a variable interest rate lies with you, which has air in your economy for fluctuations, whether the interest rate goes up or down. With such a loan type, the interest rate is fixed for a couple of years or more at a time, and then the interest rate can vary accordingly. So with this type of loan you do not know for sure what the next payment will sound like and you must be sure that your finances will be able to withstand recovery or downturn in the future.



It is a good idea to go to the relevant credit union or your own bank and get advice on which solution is ideal for you just before making a decision yourself. In this way, you are assured that you can make the decision to borrow money on a solid basis where you have knowledge of your many different options.

This means that with good conscience you can take out a loan and invest in something that you will enjoy for many years to come. By choosing the right loan type as well as through counseling, you can thus become completely confident in your choice and enjoy your new dream home with your family for many years to come.

Search the web for loans

Whether you are looking for “loan offers” or “loan offers” is secondary – you will get a lot of hits on your search. There are a lot of companies in Denmark that are allowed to lend money, and competition is not a bad thing for you. You can get the opportunity to borrow money cheaper than usual if you choose to strike.

It is a great opportunity to research the market and to find that it is a good and easy way to borrow money. There are benefits on the web that you will not find in the bank. Especially that you get the money quickly and that you are not asked what you need them for.

Compare the deals you find


Finding a good offer on a loan is like looking in advertisements for good deals, for example, on meat and vegetables. You always choose to shop where it is cheapest. And you should do the same with a loan. There is no reason to pay too much for a product that could easily be cheaper elsewhere.

If you look for loans online like all other offers, then you can find really good options for loans that will not cost you the world. You can do it all from home in peace and quiet. Just search the web, and then you get started. With deal hunting, the point is to research it all so you know where to turn. It gives you all the benefits and those you might as well bring, now that you know you have to borrow money.

By comparing the offers you have found, you can also get an overview of the fees that may be and the interest payable for your particular loan. You can tailor your loan in many places to get the right amount and the right maturity. Then you can spend the money you want and you know how much it costs you each month.

The best deal is also the cheapest


If you find a loan that has a really low interest rate, it does not mean that it is the cheapest loan for you. The cheapest loan is the most affordable one overall. The low-interest loan may have to be repaid faster than you are comfortable with.

Then you are going to sit really hard in it financially for a period of time and then a possible saving is to overlook. Otherwise, the loan may have to be paid over a very long period and cannot be redeemed by you along the way, then it is a bit the same. Therefore, find a loan that costs you the least overall.

Not only the loan itself, but also in your everyday life


That way, you have found a loan offer that is the best deal for you. You can borrow whatever you want and you can arrange your everyday life so that it is still comfortable. Even if you pay back. You can’t find better deals than this.

Therefore, you need to research several pages and also apply for loans in several places. You will be pleasantly surprised that you can find such good deals on loans. When it’s so easy and you can do it so cheaply for you, there’s no reason not to borrow when there’s something you need here and now. You get the money really fast so that the dreams don’t burst while you wait to access the money.

Effective Ways to Submit and Make Online Credit Cards

What is a powerful way to apply for credit cards online? At the moment, it turns out there are some practical anti-complicated ways to apply for credit cards online.


Submit and Make Online Credit Cards

online credit cards

Credit cards are one of the most preferred choices for non-cash transactions because they are practical and provide many easy transactions as well as benefits such as rewards points, shopping discounts, vouchers, cashback, and so on.

However, because these non-cash transactions are money-based loans from banks or card issuers, the use of credit cards also requires extra caution because the interest is expensive.

Especially for penalties for late payment of bills, and other costs.

So, if you intend to have a credit card, make sure you understand the best way to use a credit card and don’t even become a source of financial disaster.

Many people are caught up in credit card debt problems because they consider this non-cash transaction tool to be an additional income.

Even though the limit provided by credit cards is loan money from banks with expensive interest.

If you understand the best way to use a credit card, you can consider applying for a credit card. Now how to make a credit card is not difficult even you can make it online .


Effective Ways to Submit and Make Online Credit Cards

Effective Ways to <a href=Submit and Make Online Credit Cards” />

For those of you who are shopaholic, credit cards are objects that are highly recommended for you to have.

In fact, for those who like to travel, vacation, and shop, having a credit card will also be an advantage because it provides many features and benefits .

The following are the steps that must be taken in applying for an online credit card for the first time.


Visit the Official Website

Search the website first, then search in the top right corner to find out the credit card you’re looking for.

Find the best credit card that best suits your needs and lifestyle, from reward, cashback, business, travel, to lifestyle credit cards. You can also enjoy the convenience of finding various credit card information from each credit card issuing bank in Indonesia.

After finding a recommendation from the chosen credit card, compare each credit card to get the best choice for you. Click the “Submit Now” button to directly apply for credit cards online .


Take advantage of the Comparison Feature

Take advantage of the Comparison Feature

If you don’t know which card you will choose, you can take advantage of the comparison features provided by select cards.

Choosing a credit card is easy. You must be careful to make sure the choice falls on the right credit card.

Look for a credit card that offers many benefits and broad access, as well as features that you might need.

Pay attention to things like rewards, free annual fees, and interest charged clearly before you determine your credit card choice.

You can also contact customer service directly from the credit card issuing bank that you are looking for. From there, you can ask everything about the bank’s credit card issuance.

Ask about the terms and benefits that you can get from the credit card issued by that party. Or you can also ask friends who already have a credit card to give a reference to you.


Submit a Credit Card

If you have found the right credit card that suits you, then you only need to click to go to the credit card details page.

This means you have agreed to apply for the credit card.


Online Registration and Prepare Files

Online Registration and Prepare Files

Then you will be asked to register online and prepare and complete the required documents, such as photocopies of ID cards / passports, photocopies of NPWP, salary slips, account mutations of the last 3 months, and others.


Document Delivery

After registering and completing the related documents, you can send documents by e-mail or post office, depending on the policy of the bank where you apply for a credit card.

So suppose you apply to BCA, BNI or Mandiri Bank, then you will usually be asked to send a copy of the document to the address of the nearest central bank in your area.


Your Credit Card Approval Wait

Submission of Credit Accepted Cards

You will be contacted by the bank concerned for the next process. You just have to wait whether your submission is accepted or not.

Usually the bank will provide the news (via telephone or SMS) or it can be by email and direct interview, depending on the policy of the bank.

At this stage there is a bank verification process, where this is one of the most important steps that should not be underestimated.

You must be available to pick up the phone so that the bank can make sure that the number is really your telephone number.

Then you have to be able to answer questions correctly, such as where your home or office address, and other data.


Submission of Credit Accepted Cards

After all the processes for applying for a credit card have been completed, you are now waiting for good news from the bank.

As long as you have met the requirements and can answer questions during verification, you are sure that your submission will be approved.


Calculating Debt Repayment Plans Using the Wolfdietrich Application

Calculating Debt Repayment Plans Using the Wolfdietrich Application

Calculating the debt repayment plan manually by estimating assumptions is indeed quite troublesome and you need to do bookkeeping every period, so that no data is lost.

If you feel that the manual method is too complicated, you can try it in a practical way and automatically use the Wolfdietrich Application.

First download the Wolfdietrich Application first on the Google Play Store for free.

Then open the application and select the “Financial Plan” feature to plan your debt repayment process in the future.