Month: June 2019

Why Switch To Online Banking? The 5 Good Reasons for Credit Loans

You must have heard about banks online. But you may be hesitant to transfer your accounts to this type of bank. However, they offer many advantages among which lower fees, ease of management, time saving … It is no coincidence that, in 2018, three quarters of account openings are made on an online bank . To convince yourself, here are five advantages of an online bank.

 

Ease of management and efficient customer service

 

 Ease of management and efficient customer service

 

Online banks are strong and operations are completely secure. But above all, it is extremely easy to manage your accounts.

If you need advice, online banks have a very effective customer service. Telephone counselors can be reached over a wide range of times, often up to 22 hours on weekdays and 20 hours on Saturdays, as is the case for ING Direct .
With online banking applications, you manage your accounts from your smartphone, computer or tablet.

 

Automated actions give you peace of mind

 

 Automated actions give you peace of mind

 

With online banks, many actions are automated. It is thus possible to receive SMS alert for free to better manage his account. The customization of these alerts is simple, reliable and fast.

All current services are offered, whether it is the bank account, current transactions, savings accounts or financial investments .

You save a lot of time

 

 You save a lot of time

On an online bank, you manage all of your activities via the Internet. All operations can be done from your computer, smartphone or tablet. It is no longer necessary to make an appointment with a physical advisor to carry out your various steps. You manage your account yourself. But this does not prevent you from accessing personalized advice by phone or email.

Your customer area gives you the ability to track your accounts constantly, wherever you are and seven days a week. This perfectly secure place gives you access to the history of your transactions, allows you to place orders, print your documents …

It is even possible to subscribe to different products 100% online thanks to the electronic signature.

You pay less

 

By opening an account in an online bank, you save money. As online banks do not have a physical agency, they have less costs to bear than a conventional bank. This allows them to offer much more competitive prices and the savings can reach 500 euros per year.

Online, many services are free. This is very often the case with the bank card. Even when this card is paid, you save, on average 50% compared to that proposed by a conventional bank. Savings products are also free of entry and exit fees while general rates are more attractive than those of a physical bank.

Online banks regularly make interesting offers for opening an account. You can earn 80 euros (or more) by simply opening an online account.

It is completely complementary with a traditional bank

 

If you are attached to your traditional bank, nothing prevents you to open anyway an account in an online bank. Both systems can be complementary. If you are very attached to your appointments with your advisor, you can very well keep an account in a conventional bank and complete your needs on an online bank.

 

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Credit Rating Inquiry

Honest Bank provides customers with the opportunity to learn the credit rating calculated from the credit card accounts used by banks and the historical data of individual qualified loans.

In fact, we can say that Honest Bank is an institution that offers flexible and practical solutions for its customers to easily learn their credit ratings. If you want to question your credit rating in the long term or for your instant credit needs, you can do this with the methods offered by Honest Bank…

Learning Credit Rating Through Honest Bank

cash

Credit rating is the scoring system obtained by collecting and analyzing the data of the payments made as a result of loans and credit card products used by individuals from financial institutions. We can also say that the most important reference note that banks look at when making loans to people.

Therefore, people who want to learn the credit rating, which is a reflection of the payment scheme, can perform this transaction through Honest Bank. Thanks to this service and convenience provided by the bank, anyone can question their credit rating without wasting time.

In this article we have created for those who want to learn the credit rating through Honest Bank, we have shared with you the channels that can be used for questioning the credit rating of the bank.

Learning Credit Rating from Mobile Banking

Learning Credit Rating from Mobile Banking

It is easy to obtain a credit rating from Honest Bank’s mobile branch. For this, you must follow the path; Logging in to Honest Mobile Banking, clicking on the ACC reports tab in the Applications menu and having your credit score questioned.

In order to make transactions through the mobile branch, you must first obtain a password using any bank credit card or Paracard. You can start your transactions immediately by taking your password with the appropriate option.

Learning Credit Rating from Internet Branch

Learning Credit Rating from Internet Branch

 

 

You can learn your credit rating in just a few minutes through Honest Bank’s internet branch. To do so, you must first login via the internet address.

You should then follow these instructions: Click on the “Accounts and Products” section of the Internet branch. İşleme My ACC Reports ”option is clicked.

Under normal circumstances, this section is your credit rating is displayed, but if you have not reached this system or entered any credit information before, you may see “You do not have ACC Report” warning in this section.

In such a case, you can reach detailed information by using the “Apply” button on the screen to query your credit rating from the internet branch. You can learn your credit rating in Honest Internet Branch in this way but unfortunately it is not possible to learn your credit rating via SMS .

When the Bank starts to use the SMS channel for this transaction, our article will be updated and you will be informed about how to learn the credit note via SMS …

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Personal Payday Loan Repayment

payday loan

You can repay all or part of your loan before the end of the contract. However, banks may charge you additional fees, called re-employment fees. This cost of compensation is limited by law and varies if the refund is full or partial.

 

Advantages of a personal payday loan?

Advantages of a personal payday loan?

The main advantage of the personal payday loan in Belgium is that it does not require any justification . You can use the borrowed money as you wish as long as you can repay the fixed monthly installments over the period of time determined. Do not confuse this type of loan with the so-called “personal payday loan without proof”, which does not refer to a credit agreement for which no proof of income is requested, but rather to the fact that the acquisition you wish to finance is not to be justified by the bank, you will always be required to provide proof of your income.

Note, however, that a credit granted to a bank or credit institution is a reliable source of funding. In advance, you know exactly how much money you will receive. No surprise either on the monthly amount and the total amount to be refunded. The interest rate (APR) is also known from the outset and is fixed in time.

 

Disadvantages of a personal credit?

Disadvantages of a personal credit?

The main disadvantage of a personal payday loan is its higher rate. Since the requested financing does not require any supporting documentation and therefore can create more risk for the banks, the interest rate of an installment loan will generally be higher than for an affected loan such as mortgages, auto loans for new or used car, motorcycle or works.

 

Personal payday loan,how to find it?

Personal payday loan,how to find it?

The Borrowers allows you to simulate and compare interest rates, monthly repayments and the total repayment of more than 40 banks in Belgium. Our online comparator is private and 100% free. Very easy to use, it informs you in a clear and transparent way about the conditions, advantages, disadvantages and offers of each bank. We also show you all the loans for which you qualify.

In order to find the personal payday loan at the best rate , it is essential to compare the offers of the banks according to the desired amount. To do this, go to our comparison table of personal payday loans here. Comparing the credits, you will see for example that for an amount of € 10,000 and a repayment period spanning 36 months, Belfius offers an interest rate of 6.5%, while the Savedirect Bank personal payday loan has an APR of 4.9. %.

Keep in mind, however, that borrowing money also costs money and you need to choose an amount based on your needs and finances. In just 30 seconds, The Borrowers lets you find the cheapest personal payday loan in Belgium. Do not wait any longer to compare all the banks and save up to € 1,000 on your personal credit!

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