Loans for the renovation of their homes are increasingly used.

Together with these, a decidedly increasing trend is that of financing for the purchase of furniture , also thanks to the tax deductions established for 2017. In this regard, there are various solutions to specific for furnishing costs, to be chosen also according to the budget available.

More specifically, during the current year, those who want to renovate the house can deduct half the amount spent to buy furniture and appliances, until reaching the maximum amount of € 10,000. All this because the new stability law confirmed what had already been foreseen in 2016, with the only condition necessary to send the request concerning the construction of the work on the house to be completed by December 31 of the current year.

Loans to purchase furnishings in addition to those finalized may also fall into the category of personal loans , where, if the evaluation process is successful, the buyer obtains the amount necessary to pay the costs on his account, obviously after established an appropriate repayment plan for the installments. To this end, the documents required to certify the guarantees requested by the credit institution will be necessary for its achievement.

Returning to the good performance of this type of loan, some studies show that in the first half of 2016, loans to purchase furniture reached 10.52% of those requested overall at national level. This is a result that places them in fifth place among the most sought after loans, behind those useful for renovating the house, those for buying a car and those for liquid assets.

Finally, the average amount required for furniture loans amounted to € 9,600, with a decrease of around € 1,780 compared to the average amount recorded for all other types of loans.

Nowadays people borrow more and more money through a bank or online. You can use a loan for
a renovation of your bathroom.

In addition, it is requesting very easily and quickly arranged. There are different forms of money borrowing. You can choose one
personal loan, revolving credit, a mini loan or for your mortgage.

Benefits of a loan

If you do good research, you will soon find very attractive lenders
conditions. You can think of low interest rates and very good conditions. At the
If you apply for a loan, you will receive all information and documents in advance. So
at least you know where you stand.
A revolving credit has different conditions than a personal loan. The difference is that you
with a revolving credit to the maximum amount that has been agreed on. With each
withdrawing you pay interest and after paying off it is possible to borrow again.
With a personal loan, a fixed amount must be paid in the terms discussed. So
You know how much you spend on your loan every month.

Borrow money without BKR registration

There are often stories around that once you are in the BKR registration, you can never make more money
to lend. This is not completely true. You may have a negative BKR registration. This comes
because you have a high debt and have not paid in time on several occasions. This certainly has
influence on obtaining a loan from a bank or loan provider. The moment you
having a positive BKR registration you can apply for a loan without worries.

Personal loan for large expenses

In case of a large expense that you will not repeat in a short period, a personal loan is the
best solution. An example of this is purchasing solar panels. Here you probably have
for the life-time benefit and it is understandable that not everyone has the money to do this at once
to pay. By choosing a personal loan you will probably have several websites and / or
visit banks with different offers. This is also a must to ensure that you
settles at low interest rates and chooses good conditions. Read more information about it here
recouping and financing solar panels.

Student loan is always a gift.

This allows the study costs, (part of) living expenses, health insurance and tuition fees to be paid. You do not get student loan ( student loan ) automatically. This must be requested from. Student loan is only paid when all conditions are met. In higher education, student loan is always awarded as a performance-related grant. In addition to your stufi, you can also borrow cheap as a student. You will have to pay off this low interest loan within a few years after your study.

Student loan 

If you are 18 years or older and follow a full-time study program in vocational education, you are normally entitled to student loan . If you qualify for this, the student grant will start the first month of the quarter following your 18th birthday.

Student loan can consist of:

• Basic grant
• Supplementary grant
• Interest-bearing loan
• OV student card

If you are doing a vocational training at level 1 or 2 as a student , your student loan is always a gift. When you have finished your education, you will only pay back an interest-bearing loan. If you follow your education at level 3 or 4, you will receive student grants as a performance grant.

Entitlement to student loan applies as long as you are registered.

Calculate student loan for HBO

If you attend a full-time (or dual) program at a university of applied sciences / HBO or university, you are normally entitled to student loan . If you are entitled to student loan, you are also entitled to the OV student card.

This student grant when you are in a college or university can consist of:

• Basic grant
• Supplementary grant
• Interest-bearing loan
• Tuition Credit
• OV student card

In higher education, student loan is provided as a performance grant. This means that the financing is first paid out as a loan. When sufficient work is performed, the student loan is converted into a donation afterwards. The interest-bearing loan and the tuition fee credit must be repaid after the training.

Apply for student loan

If the student loan is not sufficient, extra money can always be borrowed from a lender. We have collected the better money providers on this website. As a student borrowing is very normal, students often earn back very quickly after their studies. Make a choice and request a completely free loan offer for free!

You can apply for a loan online, so you do not have to leave the door for that and have little to worry about.

Instead, in a very simple way you ensure that you have some extra money behind you.

Apply for online loan

You can apply for the online loan by indicating that you are looking for a credit. For example, do you need € 200 or € 300 to pay for the messages? Indicate this and apply for a mini loan in this way. The lender will then determine for you whether it is possible to borrow this money. This does not look at the data of the BKR, since access is not allowed. In that respect, you can apply for a loan, even when you already have another loan.

No BKR control

Since no BKR check will take place you can safely apply for a loan. One looks purely at your income and the possibility that you have to redeem the money. For example, do you get enough income to repay the loan after a few weeks? Then you can borrow the money, even when you already have another credit. Moreover, the loan will not affect the next credit you wish to close, as the BKR will not be notified.

Evidence

You can apply for the loan online, and then submit the supporting documents. For example, show that you have sufficient income at your disposal and that you have not run any other large loans. The latter is your own responsibility, since you have to ensure that you can clear all credits properly. In any case, show that you have a permanent contract, since you can only apply for a loan on that basis. Without a fixed contract, the risk of non-payment is too high, so that you will generally not receive a loan.

Pay off money loan

You can then pay off the loan, for example a few weeks after you have closed it. Preferably use the income that you get paid, as you thereby ensure that you get rid of the credit in one go and, for example, you have the opportunity to apply for a new loan. Also try to make a plan with a mini-loan in advance, about how you will unload the credit. In this way you ensure that you can apply for a new loan, so that you will not run into problems and the costs will not run unexpectedly.

Would you like to request a mini-loan? Because you can use a little more financial space? In that case you can request a mini loan directly online.

Requesting a mini loan or mini credit is done via the internet so you can also borrow money quickly in the evening or at the weekend. It can happen to anyone you need money because something went wrong at home, at the car or there is still an unpaid invoice waiting for you … requesting a mini-loan is the solution in that case!

In the best case you have the money in your account within 10 minutes! Borrowing money without hassle is not possible, and the cost of the mini-loan is low. The mini-loan providers on our site are all members of the AFM so you will pay a low interest rate. Compare the mini loan providers to see which suits you best and look carefully at the current interest rates , this is also necessary if you take out a personal loan or an ongoing loan .

What is a mini-loan?

A mini loan or a flash loan is a loan where you can borrow up to 1000 euros and this loan usually has to be paid back to the mini loan provider within 30 days. The mini loan is therefore intended for bridging a short period, often this loan is taken out at the end of the month in order to be able to pay the outstanding invoices. For larger amounts you can always request a personal loan or a revolving credit . Requesting the mini-loan is very quick and within a few minutes you can expect the money on your account. At the first request you will have to send a copy of your ID and a payslip but you can send the subsequent requests by SMS. There are mini-loan providers that do not carry out a BKR check or where you can request a mini-loan without a pay slip .

Because applying for a mini loan is very simple and very fast, we recommend you to read the general terms and conditions of the lenders, in some cases you will not pay interest but handling costs and / or administration costs. The biggest disadvantage of a mini loan comes up if you do not pay back the loan on time, if this happens, then the financial institutions will charge you a high fine, but you have agreed to the conditions that state that the mini loan within a certain duration must be paid back. For many people, a balance tip is a structural problem that makes borrowing money a monthly recurring activity, so think carefully before you start borrowing money or you might be able to get money in a different way.

Mini loan applications up to € 800, – and money within 10 minutes

If you want to borrow an amount of € 100 to € 800, and want to have money quickly, then We are the right choice. The term of the mini loan with this lender is a maximum of 45 days, because the duration is longer you can borrow more money than with many other online lenders. 

How much money to borrow with a mini loan?

With a mini loan you can borrow an amount of € 50, – to € 800, – it differs per minilening provider how much you can borrow exactly, it is also possible to borrow eg € 70, -. At Cashper as Ferratum you can only borrow standard amounts, with Cashper the maximum amount is 600 euros and with Ferratum it is possible to request a mini loan up to 800 euros. If you want to borrow larger amounts or want to switch your current loan, you can apply for or pay a revolving credit. By switching your mortgage you can save a lot of money on your monthly expenses.

When to request a mini loan?

Requesting a mini loan can be done if something suddenly breaks at home, an invoice has to be paid quickly or if you just want to enjoy it and do not have the necessary money. If you are going to apply for a loan before you check that you are fulfilling the agreements with the lender, you will pay the loan back in time. If you do not do this, then there will be high additional costs over the borrowed amount. Do you think that borrowing always costs money!

Cost of a minilening

The costs of a mini loan are fairly low, you pay a few euros in interest on the loan amount. After all, you also borrow a relatively small amount of money for a short period.

With some mini loan providers, you need a guarantee from a family member or friend if you do not have one, there is often the possibility to pay for it to a commercial institution, which means that you will, as it were, repurchase the guarantee. The latter option does bring additional costs on top of the mini-loan.

Mini loan – how to apply?

Need quick money and want to request a mini loan? But how does that work … You can go to the website of one of the mini-loan providers, after you have read the terms and conditions you can borrow money directly online by first requesting a quote, you will receive the quote for the mini-loan within a few hours in your mailbox. If you agree with the quotation, you can continue with the online application of the mini loan, in the received e-mail from the lender is described exactly which documents you have to submit.

If you request a mini loan for the second time from the same mini loan provider, applying for the loan will be much quicker, including receiving the money faster than with the first application. You can then quickly borrow money by sending an SMS. You see the miniature loan ensures that you quickly receive money at times that you also need money quickly and at minimal cost.

Request a mini loan as a student

Also as a student you sometimes want more financial space, it is therefore possible in some cases to request a mini loan as a student . It is true that other conditions apply if you want to borrow money quickly as a student by means of a mini-loan. As a student you will have to be able to demonstrate that you can also pay back the borrowed money at the end of the term on time. Because this is a bit more difficult for many students, it will often not be possible to apply for a mini-loan as a student.

Mini loan without payslip

Temporary no work and the expenses continue as usual? Even then the mini-loan may be a solution for you, if you do not have a job and want to apply for a mini-loan then this is called “borrowing without payslip”. You will understand that the mini-loan provider applies different conditions if you start borrowing without a pay slip , because the risk that you do not pay the money back on time is greater. In most cases, if you have a benefit you can borrow a lower amount than you would be able to borrow if you have a permanent employment contract.

Advantages of the mini-loan

Borrowing money by means of a mini-loan has the advantages that you receive the money very quickly, also the costs of the mini-loan are rather low. This makes requesting a mini loan a nice solution if you really need money urgently or if you just want to enjoy and have some extra financial space. It does not matter what you use the mini-loan for, it can be for paying outstanding bills but also for a weekend away or just to shop.