Category Archives: Credit

Consumer credit finances both small and large purchases and sudden expenses

Consumer loans are being raised for small and large everyday purchases, such as renovations, vacations, as well as combining loans and hobbies. Unsecured consumer credit is gaining in popularity as a financing option, its absolute advantages are the speed of processing and the fact that you do not naturally need collateral.

Different uses of consumer credit

Different uses of consumer credit

Did you know that consumer credit is a great way to finance a wedding, for example, and to buy a car? We have put together an information pack on what you can do for your consumer credit!

Loan consolidation

Loan consolidation

Do you pay off your loans, consumer loans or credit card debt in more places? Repaying more loans and credit card debts can be laborious, and the total cost involved can be difficult to discern. With a compound loan, you save on the cost of the loan by paying off just a cheaper loan and leaving you with more money due to lower interest rates and lower monthly costs, such as service charges. Other benefits of the consolidation loan include, among other things, the flexibility of the payment plan and the clarity of the management of one’s own finances.

Home, cottage or investment

Home, cottage or investment

Do you need a new look for the surfaces of your apartment? Has the bathroom technically come to an end? Remodeling will further increase your comfort. A home loan can be used to renovate a home, investment or vacation home when you are a homeowner. With consumer credit, you finance both material purchases and labor, which you can deduct for tax purposes as a household deduction when renting a second home or home.

Buying a car

Buying a car

For many, car is a prerequisite, for example, due to long distances or moving work, not forgetting its everyday impact. An unsecured car loan is an easy and quick way to finance a car purchase; you can register the ownership of the car directly to yourself and you do not need to use the car or any other property as collateral for the loan. You can use a car loan for a car purchased from a car dealership or from an individual. You are also likely to have a stronger position in price negotiations, as you are in a position of a cash buyer as an unsecured loan taker.

Purchase of second homes

Purchase of second homes

Do you dream of your own cabin? Has your dream holiday home finally arrived and you want to act fast? Consumer credit is also a worthwhile alternative to a home loan! An unsecured cottage loan is suitable for buying a second home when the required loan amount is up to USD 50,000 and you need it quickly.

Purchase of land or real estate

Purchase of land or real estate

Have you found your dream destination but financial issues still to be considered? An unsecured loan to finance a plot or property is a quick way to get to your dream destination, as the loan will be paid into your account at its best on the same day! So you don’t have to wait for the collateral or other time-consuming paperwork to finish.

Short-term financing needs of business

Short-term financing needs of business

Unsecured consumer credit can also be a solution to a business’s need for short-term capital. With a corporate loan, you save on arranging collateral and get access to the loan quickly. You can apply for a loan alone and with your spouse or partner for example, where the interest rate is likely to be lower than applying for a loan alone.

Hobbies such as boating or motorcycling

Hobbies such as boating or motorcycling

Are you already dreaming of a motorcycle trip or a relaxing boat trip next summer? Motorcycles and boats can be cheaper off-season, which is definitely a good time to take advantage of. An unsecured boat or motorcycle loan will be credited to your account on the same day, and the vehicle will be immediately transferred to you. If winter types are more for you, you can, of course, apply for an unsecured loan, for example, to buy a snowmobile.

Everyday purchases and sudden expenses

Everyday purchases and sudden expenses

Did the washing machine break down? Does the car require immediate maintenance? Want to remodel your kitchen appliance or redecorate your home? With consumer credit, you can finance sudden expenses and purchases that help you streamline your everyday life in a flexible and fast way, without collateral arrangements or your own savings. If you are interested in relaxing under the sun, for example, you can finance your holiday with a consumer credit and pay it off flexibly.

Organization of Weddings

Organization of Weddings

Much of the wedding cost comes from renting the wedding room, accessories and catering. Ideally, the wedding will be funded to the detriment of your own savings and relatives’ grants, but understandably this is not a feasible or attractive option for everyone. With a wedding loan, you avoid the guest list and you can choose your favorite wedding venue and offer and celebrate your dream love day!

Then why loan comparison service?

Then why loan comparison service?

Unsecured consumer credit is thus a very versatile way of financing various expenses and purchases, as shown in the examples above. With lending companies, you can quickly get one-on-one personal loan deals from different banks and financial institutions – once you get your loan offers, it’s easy to compare them or arrange them according to different criteria.

We’ll find the best terms for you – Best Guarantee!

Here’s one of the best credit cards on the market

How about a credit card that gives you up to 5 percent off at any one of Gochan’s domestic stores, a 2 percent discount on Gochan gas stations, and a 1 percent refund on every purchase, plus a 3-month refund of your purchases? Well, not only does this credit card exist, but it also comes with additional surprises and, in a unique way, it can be claimed online in 10 minutes.

 

Unique shopping discounts

credit cards

Many overdraft-related credit cards and many credit cards offer discounts on card purchases, but among these, a 5 percent discount is very rare and not permanent. Gochan Shopping Card, which is not the same as a Trust Card issued to Gochan’s regular customers, offers a 5 percent discount on every Thursday purchase at any one of Gochan’s domestic stores, regardless of what the cardholder purchased. This means that the discount also applies to the promotional items. The discount will be credited to the customer at the next month’s closing.

In addition, not only on Thursday, but every day there is a 5 percent discount on Gochan red logo branded products, and this discount is immediate so you don’t have to pay at the checkout anymore.

Finally, at the end of the month following the purchase, the Gochan Shopping Card Bonus will receive a 2 percent refund on each Gochan Shopping Card purchase made at the Gochan Gas Station and 1 percent after each purchase at any other outlet.

 

Interest-free for up to 3 months

Interest-free for up to 3 months

However, the discounts are not over yet! Like any other credit card, the cardholder will not pay interest on purchases made with the Gochan Shopping Card from the date of purchase to the repayment term (maximum of 40 days free of interest), provided that you repay your entire debt by the due date. However, you can also delay the interest-free repayment of any of your Gochan store purchases by choosing the Plus3 option at checkout and paying back your purchase amount in 3 monthly, interest-free installments.This option is available if the total purchase price is between $ 100 and $ 100.

The cardholder can use a similar option for all purchases outside Gochan’s stores: Within 24 hours of making a purchase, they can convert any of their purchases of at least $ 30,000 into a fixed-term installment at a call center, which is more favorable compared to the Gochan back.

 

Spend it in the usual places

Spend it in the usual places

In addition to its special features, the Gochan Shopping Card is as much a credit card as any other bank. It can also be used as a touch card, which means you can pay with a single tap at the ready-to-use payment points (in Hungary you can pay by touch at every third bank card accepting point.) Just like with other touch cards, you can also pay with Gochan PIN (but still touch). The card can be used at any MasterCard outlet in the world and worldwide, and is always free of charge. In addition to the purchase, of course, the card can be used for cash withdrawals at any domestic or foreign ATM, cashier or post office where the MasterCard branding is indicated. The cash withdrawal fee is 3 percent of the transaction amount in Hungary, but at least $ 650.

 

You can apply now for $ 0 for your first year, up to 10 minutes!

You can apply now for $ 0 for your first year, up to 10 minutes!

The Gochan Shopping Card can be claimed online in 10 minutes. Thereafter, the claimant will only need to present his or her personal documents and certificates at the selected Gochan store and sign the contract.

Not only is the application free of charge, but it is completely risk-free as the first year’s card fee is absolutely free (from the second year the annual fee is $ 3,300) and the application itself does not entail any obligation, since any payment of the card

4 ways millennials can start saving

This is what happens to many millennials – who were born between the end of the 80s and the mid-1990s – since one of the trends is to live experiences and not stick to property or things, which has somehow caused that the saving is also set aside.

But whether you are looking to buy a new car or go on a trip, saving is essential to achieve those goals

But whether you are looking to buy a new car or go on a trip, saving is essential to achieve those goals

So, if you are a millennial and you wonder how you can start saving a part of your fortnight when the money seems not to reach, consider these tips:

1. Analyze your habits and correct them

credit loan

To begin it is necessary to have an adequate order. Do you know how much you spend on your monthly expenses? Preparing a budget is essential to lead to savings. The idea of ​​the budget is also to identify where our money is going and what we can correct.

2. Do not eliminate, dose

The idea is not to eliminate all expenses that are not mandatory, that is, the tastes and whims. If you cut everything at once, it will be more difficult for the habit of saving to stay longer, because you will feel deprived. Ideally, choose to reduce them. For example, if you buy a coffee every day, choose to do it only 3 times a week; The same goes for lunches outside the office, taxis, etc.

3. Search for new options

Information is key to finding new proposals and saving. Do not cling to a single clothing brand, to the same places to go out to eat, etc. The more alternatives you look for, you can find better prices.

4. Use the technology

Did you know that buying online is much cheaper than buying in store? Similarly, there are many apps that grant discounts to users or online coupons that allow you to go to places with a low budget, leaving more for savings.

Finally, do not leave the money you save in your bank account, as you will be tempted to spend it. Compare the different options and open an account in a bank that does not charge you maintenance and also pays you interest for the money deposited. To find the ideal alternative, you can use web comparators such as Wolfdietrich’s.