Payday loans no credit check direct lenders -Loan cash is on its way

Payday loans online direct lenders only: Loan cash is on its way

In some situations, it is interesting to take out a loan in order to cover certain costs or to make certain investments. Unfortunately, many strict conditions are attached to loans. Among other conditions that relate to the income. With regular loan providers such as banks, income should not only be included, but the level and nature of the income should also be important if it concerns the possibility of borrowing money. For many, all these extra conditions and rules are disadvantageous, because this ensures that taking out a loan is not easy and quick to arrange. You may, therefore, ask yourself whether or not taking out a loan is also possible.

There are many online lenders that make it possible for you to take out a loan online without an appointment. GreenDayOnline offers a guarantee and provides payday loans online. These are loans of a small amount to which relatively few conditions are attached, to ensure that these loans are much more accessible than the loans from regular providers such as banks. This means loans of small amounts with often a short term. Chances are that you too can take out these loans because you have to take into account a lot fewer conditions.

Can I also take out a loan?

To find out whether it is possible to take out a mini loan, it is important to read through the terms and conditions as provided by the loan provider. You will always have to take the legal conditions into account. These are set by the government and in any case, mean that you must be at least 21 years old and that you must have a fixed amount of income. In addition, a loan provider may have additional conditions. How many additional conditions there are and what these contents differ per loan provider. For example, one loan provider can use a blacklist assessment and the other does not feel it necessary to send paperwork or make arrangements. Always read the conditions carefully, they are leading and ensure that you are well informed and not at a later stage for surprises.

One of the biggest advantages of these online loans is that you do not have to leave the door to take out these loans. You can just arrange this from behind the computer within a few minutes. In general, it is sufficient if you select a suitable provider on the internet, complete the application form and wait for confirmation from the loan provider. Depending on the chosen provider you will receive the money on your account within a certain time. For example, some providers already make it possible to borrow money within 10 minutes. Chances are that this is also possible for you!

Risks if the Applicant does not pay the installments?

When you sign a guarantor for a loan , you do not do it just to add value to your personal loan application. In fact, to be a guarantor of a loan means to make a commitment towards the financial institution if the applicant does not pay the installments. If the applicant does not pay the installments, in fact, the guarantor of a loan must provide for the repayment of installments in place of the applicant who does not pay the installments.

If the applicant does not pay the installments and the guarantor of a loan does not repay before the deadline, first the applicant who does not pay the installments, both the guarantor of a loan, are reported in crif as bad payers , and this Reporting precludes, for a certain period of time, the possibility for both to request a new personal loan.

If the applicant does not pay the installments and the guarantor of a loan does not provide for the repayment of the unpaid installments, he will be subject to the attachment of the salary and movable property owned by the applicant. In case of need, even the guarantor of a loan may be subject to the seizure of salary and assets.

To prevent this situation, it is important that the applicant who does not pay the installments, before delaying payment, promptly informs the guarantor of a loan, giving him the opportunity to intervene before the deadline avoiding negative reports that would prejudice future loan requests for both applicant for the guarantor of a loan.

In another article we talked about the laws protecting the guarantor.

How to invest without sin

Should a practicing Catholic earn money by investing in a company that has children working ? In one that investigates with stem cells? And in a company that does not allow its employees to reconcile to take care of their family? How should a congregation of nuns, friars, etc., put up their money ? Should he do it?

These issues that until recently had barely transcended beyond the consciences of stakeholders are gaining relevance. Ethical funds are becoming more and more popular, and even the Catholic Church no longer only attends to the affairs of God but also approaches the earthly and dares to warn that markets are incapable of self-regulation and that their actions lack all ethical .

Borja Barrgán and Az Valor launch the first Catholic investment fund

He has done so this Thursday in a document entitled ” Oeconomicae et pecuniariae quaestiones ” (Considerations for an ethical discernment on some aspects of the current economic and financial system “and approved by Pope Francis .) It also warns of the pernicious effect caused by speculation channeled through tax havens in the economies of the entire planet and criticizes the imprudent management that governments and investors make of the public debt of the countries. “It is well known that important economic subjects tend to seek the socialization of losses, frequently with the connivance of politicians, “the text says.

But aligning financial profitability with Vatican doctrine was not easy . At least so far, since this week the first Catholic investment fund, designed by Borja Barragán and managed by Az Valor , the fund manager founded by former Bestinvert Álvaro Guzmán de Lázaro, Fernando Bernad, Beltrán, has been presented. Parages and Sergio Fernández-Pacheco.

Nuns strolling along Calle Alcala in Madrid Photo Dani Duch (Dani Duch)

Barragán, a fund manager in the style of Wall Street movies, left it all to form Altum Faithfull Investing , an independent financial advisory company (EAFI ) specialized in wealth management of religious institutions. Now, he has designed a fund that seeks to combine “the management of first-line assets” and an advice in line with Catholic principles.

“We are aware that the pure and virginal company does not exist , and that we can not control what each CEO does individually. But if we seek that all the companies in which we invest comply strictly with the social doctrine of the Church, “Barragán explains.

Are condom makers or pharmaceutical companies producing contraceptive or abortive pills left out?

Ensures that it is possible to monetize a portfolio without investing in companies that do not agree with the values ​​of a person. That will be possible to verify from next May 31 that is when this fund begins to quote , although the period of subscription of participants is already open.

For its design, Barragán has tried to avoid the exclusion criteria that dominate in the composition of ethical funds and is committed to inclusion with an individualized valuation of each company. Although they are out of choice companies that attempt against life, in all its aspects even condom manufacturers or pharmaceutical companies that produce contraceptive or abortion pills.

But in general, they assure that they flee from the general categories. “It does not make sense to say, we do not invest in companies that sell alcohol. We will discard those that incite abusive behavior , but why avoid, for example, a winery that makes a good wine, a product so used in the Church, if it cares for its workers and boosts the economy of a region, for example, ” the founder of Altum.

The guidelines set by the investment policy are based on four blocks of principles to be met by the chosen companies: promotion of human dignity , promotion of the family, promotion of human life and care and protection of creation . It will only be invested in companies and projects that comply with these four principles.

Duties and benefits for projects that promote faith

Religious commitment not only applies to external management also governs internally. “We have linked the salaries of the entire workforce, including mine, to the salary level of European Union officials , to have decent salaries but that can never be exorbitant,” explains Borja Barragán, who also explains that ” 100% of the benefits of Altrum are destined to finance projects of evangelization , prayer, missions, etc. ”

The fund is not only available to Altrum’s regular customers who are congregations and religious organizations. ” Anyone who agrees with our investment policy and has 100 euros can invest,” explains Barragán. For this type of retail client, the management fee will be 2.2%, and will fall to 1.8% for institutional investors or those who pay a special commission for receiving individualized advice.

Lives broken by a mortgage

Losing the house and staying in the street for not being able to pay the mortgage is one of the most painful consequences of the crisis . Thousands of families have lived or are living in this situation, with a threat of eviction or with their irremediable execution. Lives broken since the economic situation began to collapse. By all it is known that in the particular case of Spain the recession has a very heavy real estate derivative. Between 2007 and 2010 there were more than 270,000 foreclosures, with figures that have not stopped growing year after year and that in 2011 continued to rise. Some sources raise the volume of records to a total of 330,000.

Behind many of these cases there are real dramas. His story is the one collected by these pages of La Vanguardia . They are diverse stories of families, of people from La Canonja, Lleida or Badalona. Three examples that illustrate the seriousness of a phenomenon that demands solutions. For some time now, support groups have been organized for those affected, which, among other actions, prevent evictions from taking place by concentrating on housing to avoid them. The experiences in this sense have multiplied while the citizen’s awareness has grown that one should look for a way out.

The government announced on Wednesday a package of measures to alleviate the most extreme cases, which requires the collaboration of banks, which will be presented with a set of good practices. The most outstanding ones are that they will be asked to give two years of moratorium to families without resources that are going to be evicted and that, if necessary, the price of the housing to be executed is the highest possible. Until now, handing it over – what is known as dation in payment – was not enough to pay off the debt. It is also planned to reduce the high default interest. Financial entities may deduct tax losses that may arise. The antidesahucios citizen organizations see it as insufficient.

“They condemn us to hide”
By Esteve Giralt (La Canonja)

They did not want to live beyond their means nor did they buy the house of their dreams. Magda Martínez and Manuel Fernández, born in El Prat de Llobregat and Cornellà, decided to move to Tarragona, eight years ago, looking for a cheaper flat. They found it in La Canonja, on the outskirts of Tarragona, for 204,000 euros. It’s been almost three years since Manuel, the family’s main economic support, was unemployed. Your apartment is now owned by the bank, which also claims a debt of 85,000 euros. His eviction was scheduled for today, after consummating the foreclosure and auction of his home, now owned by a bank.

“They leave us homeless and with a debt for life, they condemn us to live in hiding, in the underground economy, as if we had done something wrong, we are trapped”, summarizes Manuel. The couple, who has three children – 13, 9 and 4 years old – asked for help from the Platform of Affected by the Mortgage. With their advice and the help of the City Council of La Canonja, Manuel and Magda, 42 and 33 years old, have started a fight that has delayed their eviction for 30 days. “What we want is to achieve the payment of your mortgage,” explains Joan Bel, spokesman for the Platform in Tarragona.

“They help us to pull ahead,” says Manuel looking at Alex, his young son. His wife is the only one who now brings some money home, employed for hours in the cleaning sector. “Look, good news, more work,” she says after answering her boss’s call. Its situation is desperate, because with what enters Magda, about 110 euros per month, and the subsidy of Manuel, of 423 euros, is not enough. “We have started going to Cáritas to ask for food,” they say.

They remember a recent past with more than enough income to pay the mortgage and arrive at the end of the month without hurry. But his mortgage of just over 600 euros became, with a review every six months, an unbearable stone of 1,400 euros. The rise coincided with the unemployment of Manuel, driver with a salary of 2,400 euros per month. “We can not fall deeper, but we are not alone, there are many in our situation,” says Magda. Their tenacity has led them to publicly denounce their situation. “Most do not ask for help because of embarrassment,” explains Bel, who proudly says that the platform managed to obtain payment in the event of an eviction in Reus.

Manuel and Magda look with skepticism on the government’s announcement to extend the evictions two years and introduce the dation in payment in the case of families without income and unemployed. “It’s a balloon probe,” they predict. This couple says that if they want them to leave the apartment with the debt behind them, they should come before the Mossos. “We’ll hold until they take us out, and if they throw us out, we’ll come back,” says Manuel.

“They have thrown me out of the house and I have felt humiliated”
By Javier Ricou (Lleida)

The story of Germán, his wife, Mari Mar, and the daughters of the couple, Natalia (9 years old) and Nelly (2.5 years old), is that of an eviction with all the ingredients of the times. Germán bought a flat in the Bordeta neighborhood of Lleida in 2003. He then worked as a tiler in the construction sector. He signed a mortgage of 130,000 euros and in the bank, remember, all were facilities and congratulations for the new acquisition. Apartment with three bedrooms, two bathrooms, generous living room, spacious kitchen and two balconies, with gallery. At that time Germán’s salary went from two thousand euros a month and with the help of his partner could afford to pay about a thousand euros of mortgage. Things began to go wrong in 2005. Germán separated from his first partner and had to pay him 60,000 euros in exchange for staying with the apartment. He went to the bank and again they were all facilities, they left him that money and his mortgage was extended from 130,000 to almost 200,000 euros. This neighbor from Lleida started a new relationship with Mari Mar, who has a daughter (Natalia) from a previous relationship and Nelly was born two and a half years ago. As the two had work they were able to face the mortgage. But in 2009 the life of this couple took an unexpected turn. Mari Mar was fired, she says, after getting pregnant with Nelly – she has denounced the company for which she worked as a hairdressing assistant – and Germán was a victim of the collapse of the construction sector. Both stayed, from one day to another, without work and with two daughters to keep. And the bank with which they had the mortgage has not forgiven. “First they stayed for two years the little more than 400 euros of subsidy and then they have executed without mercy the eviction”, affirms Germán. “They told me I was number one on the list of defaulters, I felt humiliated,” adds the young man. The couple no longer lives on the floor, although there are still boxes and packages to be removed, and they have settled in the house of some friends. “We have left because I am afraid that one night they will come and kick us out, with the girls inside,” Mari Mar affirms. Germán has given everything up for lost, but the bank, she says, has not yet finished her work. “In addition to staying the floor, they ask me for 100,000 euros more and it was my parents who supported me,” he reveals. And that is what hurts the most. “My mother has suffered a deep depression because now she thinks that they will also take the floor from her.” Throughout this process, Eduard Baches, spokesperson for the Platform of People Affected by Mortgages in Lleida, advises them.

“It seemed that we were all going to win”
By Luis Benvenuty (Badalona)

Juana, his wife, wanted to leave the office of the director of the branch, but the real estate agent took her arm and told him that everything was done, that he did not have to worry about anything … His son did not see it clearly either. “But I believed the whole movie, I convinced them,” says Enrique Amaya, 59, a pensioner from the badalona and battered neighborhood of Sant Roc, practically illiterate. Here the seized floors are counted by dozens, just like the squatters after a kick in the door.

“I regret every night of that day, I just wanted a loan to marry my son … And I ended up rehypothecating my house and my son’s to buy another in Ciutat Meridiana and then sell it and earn what we needed,” he says. bitterness in a ramshackle apartment of less than fifty square meters on Avenue Alfons XII. “We did not even fix it because we do not know when they will throw us out … It’s that we were all going to win …”

It was the year 2007. The financial system was full of excessive joy. Then, adds Enrique, his pension was just under 600 euros, and the salary of his son of about 900. Now the lawyers (ex officio) of Enrique try to have the judge reconsider his decision and process the case through criminal proceedings . Like scam. But everything points to that in any case this story will be settled by the civil. “Now we owe almost 600,000,” Enrique continues, “I already see everything lost … This summer my wife and I were going to stay in the street, but the Platform of Affected by the Mortgage stopped our eviction. new date, we are destroyed, we do not sleep at night, we take painkillers, and I want to die, but before … ”

And it is that the crisis came and the floor of Ciutat Meridiana was never sold, and the excessive joy of the financial system stopped boiling. And then came the quotas and the constraints, “a thousand and one for this, a thousand and one for the other …”. “And my son is evicted next Wednesday, he has a wife and two children, he is unemployed, he has not been helped, he has not left home for weeks, depressed, with dizziness.”

“The floor of Ciutat Meridiana was already seized last year, I never wanted it … I regret it every night, the bank keeps everything, but they do not throw us out, they give us a rent we can afford. floors do not work for them This neighborhood does not come to live normal, these houses have rotten cement, the banks do not know what to do with these floors, that is why so many evicted people kick their door to the house, to squat it “.

The financing of Catalonia is going to get worse

The financing of Catalonia is going to get worse as the regional financing system agreed by the tripartite with the Zapatero Government after the approval of the Statute has been applied. The Socialists proclaimed him as the best in history. It was not a lie at all. For the first time, Catalonia was above average in terms of financing per capita, but it turned out to be a mirage. The relative evolution of the system has been so negative that it has once again placed Catalonia below the average, and Catalonia is once again the third community to pay and the tenth to receive. Catalonia is not the only one harmed. Madrid is much more so and Murcia has also worsened its relative position with respect to the rest of the autonomous communities.

These data appear in the Analysis Document of the Financing Model of the Autonomous Communities , prepared by technicians of the Department of Economy of the Generalitat at the request of the Ministry of Finance and that the Govern will present to the Minister Cristóbal Montoro in the coming days. The document, to which La Vanguardia has had access, supposes a devastating criticism of the system but above all of the application that the Central Administration has made, considering that it generates results contrary to the persecuted ones. Instead of shortening distances between communities, it maintains or increases the imbalance. “The evolution of resources -says the document- shows a progressive increase in the disparity between autonomous communities”, since it has benefited even more those who contributed less and received more. In particular, the per capita financing of Catalonia in the 2009-2012 period has increased by 74 euros per inhabitant, a negative figure when it relates to the population. In this case the community of Madrid has still fared worse because not only has it not won but it has lost eleven euros per inhabitant in the same period. Madrid, the Balearic Islands and Catalonia continue to be the communities that, after making a greater fiscal effort to contribute to the group at the time of the distribution, are left with fewer resources per capita than the host communities.

However, these are not the main conclusions of the document of the Generalitat, which does not make specific reference to Catalonia but analyzes the system as a whole. The main conclusion is not that Catalonia is discriminated against, but that “there has been a vertical imbalance in favor of the State since its resources have increased at a rate of 7%, while communities have done so at a rate of 2.5%. % “.

The most transcendental of this data is not that it penalizes the regional administrations but directly affects personal services: “Expenditures in health and education – the document points out – fall back and reach levels prior to 2002, while the total of public spending is progressively approaching European levels “.

The study offers data to show that the application of the system works in a direction contrary to the objectives pursued. “Redistributing resources from 2012 based on the distribution of 2009 would mean providing the autonomous communities with 5,534 million euros and this distribution should be considered minimal, since the spending needs of the communities since 2009 have increased (dependency law, etc.). ) “.

Another conclusion of the report indicates that “it is contradictory the fact that the communities that have exerted an upward fiscal pressure are not those that have more resources per capita and vice versa the autonomous communities with a downward fiscal pressure have more resources This contradiction is explained because the distribution of the rest of the model’s resources does not obey any criterion of equity “.

The little relevant role in the management of taxes causes, according to the authors of the text, undesirable distortions “by the little perceptibility of the citizens and by the null information on the fiscal reality of each community and supposes a limitation to the financial autonomy”

The text states that the evolution of resources by communities has not had a positive relationship with population growth either. The report analyzes the functioning of the funds that are redistributed among the communities with different criteria and concludes that the application is arbitrary and the result is inconsistent: “The global sufficiency fund and the convergence funds (competitiveness and cooperation) introduce strong distortions .

The report insists that all communities have been harmed by the application of the financing system, but obviously some more than others. The Cantabrian, the Riojan and the Extremaduran have achieved a higher per capita funding in this order.

There are only three donor communities and twelve receiving communities. The three donors are also in this order Madrid, the Balearic Islands and Catalonia, although Madrid achieves greater tax capacity thanks precisely to the status of capital of Madrid that involves the contribution of state officials, senior officials and public companies whose income comes in large part also of the taxes that all the taxpayers of the country pay.

The negotiation of the regional financing will determine how to pay for dependence

The Government and the communities will arrive at the Conference of Presidents next week with the common will to reform the regional financing model, but during the negotiation they will have to approximate their positions on how to deal with the spending on dependence and other social policies.

With ten agreements will close the Conference of Presidents next Tuesday in the Senate. After the second preparatory meeting today, again with the absence of Catalonia and the Basque Country, five of them are already closed and many more will be finalized tomorrow, when the Government sends to the communities the slight modifications agreed this afternoon.

One of those developments has to do with the agreement that will allow to promote the reform of the regional financing (and in parallel that of the local administration) from the same Tuesday.

Mariano Rajoy and the autonomous presidents, except Carles Puigdemont and Íñigo Urkullu, will agree on the creation in a month of a group of experts chosen by the central and regional administrations to study how the current model has worked between 2009 and 2013 and lay the foundations of what happens to him.

When the work of experts and technicians is over, Minister Cristóbal Montoro and the communities will give the appropriate adjustments in the same Fiscal Policy Council and send the project to Congress, because the reform of the regional financing is an Organic Law and needs a majority absolute parliamentary

At a press conference, the Secretary of State for Finance, José Enrique Fernández de Moya, stressed the importance of marking the beginning of the process, but has not ventured into deadlines.

During this negotiation, whatever the duration, the Government and the autonomies will analyze how to pay for the Dependency system.

According to sources present at the meeting, at the initiative of Extremadura, with the support of the other socialist governments, it has been agreed to provide a novelty accepted by the Executive: the new financing must take into account the expenditure in dependence.

But how it will be taken into account is not clear. Fernandez de Moya has advocated not only treating “exclusively” the investment in this pillar of the welfare state, but also addressing all the expenses derived from social policies, such as access to housing or disability.

Because, he added, “essential public services, in addition to dependency, encompass other policies that include a public expenditure that must be contained in the new model, not to exclude, but to take into account others.”

In this regard, he said, all communities have expressed their agreement today.

The socialist autonomies claim that the new financing assumes an equitable distribution of the cost of dependency, so as to guarantee the financing of this to 50 percent between central administration and territorial administrations, but the Government wants to extend this scope to other social politics.

The agreements closed today are:

– A pact for Education that takes into account the contributions of the autonomous governments through a session of the Commission of Autonomous Communities of the Senate.

– Implement a social card that collects the aid received by citizens of each administration.

– That the communities participate more in European strategies.

– Create before March 31 a National Civil Protection Commission with representatives of the Government and the communities to improve coordination in the face of natural catastrophes.

– The Conference of Presidents will have an annual periodicity and their agreements will be followed up by the Commission of Autonomous Communities of the Senate.

On this point, the Secretary of State for Territorial Administration, Roberto Bermúdez de Castro, said that the session on Tuesday will begin at 9:00 a.m. with “a coffee” chaired by the King, will continue with a series of interventions by Rajoy (10 minutes) ) and the other presidents (7-10 minutes), will include a “relaxed lunch” and will close, in the afternoon, with the debate on the agreements.

Also, the consensus to close tomorrow, in addition to what is related to regional financing, are:

– Draft a National Strategy on demographic imbalances this year, which will advocate for improving access to European funds.

– Strengthen the market unit.

– Betting on the geographical mobility of officials and ending the current replacement rate in basic services and emergency services.

– Promotion of the social bonus.

The Government, represented at the meeting by Soraya Sáenz de Santamaría and Cristóbal Montoro, thanked the communities for their tone and willingness to collaborate, and unlike the first preparatory session on December 21, this time there was no mention of the absences from Catalonia and Euskadi.

However, both will have all the documentation generated by the Conference of Presidents.