Archives February 2019

Advantages of being a partner of Promoter Sources

Fontes Promotora de Crédito is a Fontes group company that operates in the credit promotion segment, providing financial solutions to its representatives and partners. The company has a consolidated brand in the national market. In addition, it offers several product options, being a reference in achieving personal and professional goals.

Learn about the main advantages of being a Fontes partner!

Presence in all regions of the country

Fontes has 26 units throughout the country, 25 of which are branches and the headquarters are in Florianópolis. In just one decade of operations, it is recognized as the second largest payroll loan promoter in Brazil.

Recently a new branch was inaugurated in Belém, the first in the north of the country. Thus, the company is present in 18 states of the map, besides the Federal District.

For the executive director of the Fontes Group, João Neto, the inauguration of the new units increases the proximity with the local partners, besides providing more agility to the operations that involve not only Fontes Promotora, but also the other companies of the group. The expansion plan was further strengthened recently in subsidiaries in Vitória (ES) and Campo Grande (MS).

Team

Promotora has a team of 700 trained employees who seek to carry out their work by providing security, transparency and agility to business partners. Providing the necessary support for a mutual and continuous growth, all the consultations are carried out with ethics and mutual confidence.

Own system

Fontes has an own and functional online system for querying customer data, ensuring more agility in their work. Anti-fraud and risk analysis systems are constantly updated, providing all the security you need in operations.

Products Fonts Promoter

We have the following products: Safe sources , Consultation Plus and credit card, besides loans in the modalities: payroll discount, checking account debit, with check and discount for private companies.

Sources Group

Placing Santa Catarina in the ranking of the financial sector, Fontes Promotora is one of the companies that make up the Fontes Group. Divided into three business verticals: Intelligent Financial Solutions, Intelligent Franking and Retail Solutions and Intelligent Solutions in Big Data, BI and Innovation, the group currently has 14 companies. Emerging nationally as a strong multi-sector group,
Be a partner of Fontes Promotora de Crédito and have a consolidated brand in the national market. We offer several product and support options, as well as being a reference in achieving personal and professional goals. We solve your needs with agility, competence and offer the best commissions in the market!

Today we want to share a piece of advice: what to do if, suddenly, having made a choice in a store, you suddenly had problems with a bank card at the checkout.

The main thing is not to panic. You know that the map is yours and belongs to you. You have a passport that certifies your identity. Everything. The rest is trivial. The cashier enters the pin code, called by you or you yourself entered the code in the terminal, but the check did not come out. Plus, the entire amount has passed and debited from the account. But, unfortunately, the printout of the bank did not produce results. Call immediately to the bank via the hotline and check the amount of the debit, but the bank claims that if there is no cancellation for sale, then the amount is debited. And, the most intriguing, if it is really written off. Check, you personally do not need anything, this store needs it for tax reporting, but in some cases it may be necessary for you if the situation is exactly the opposite. When the check did not come out, the terminal accepted the card, but did not charge the amount.

Everything is elementary simple. Either pay for the purchase in cash and do not tear your nerves to yourself and the cashier, or sort it out to the end. The situation is very common, starting from the error of the terminal’s software store and incorrectly entered PIN code and ending with the bank itself, where the failure occurred and the purchase failed. The card could be blocked by mistake. Yes, and many, many more – of which …

And, another tip. If the confirmation does not arrive within 30 calendar days, then feel free to contact the nearest bank office or send a request for checking and detailing your account by registered mail. Rarely, when the bank wants to swear because of 500 hundred rubles. A good name is dearer to him and therefore they will sort it all out and if their problem is, then the money will automatically recover in the account.

What advantages does a non-bank mortgage offer to buy a property?

A non-bank mortgage to buy a property is intended for all who have applied for a mortgage at the bank, but their application has been rejected for any reason – low income, low creditworthiness, entry in the debtors register. Although virtually anyone can currently apply for a mortgage, it is certainly not a condition to be granted to all applicants. Banks carefully choose their clients, examine their creditworthiness and subject them to a complex process – not everybody can go through the final sieve. Fortunately, there is a non-bank mortgage to buy a property with which a much larger number of people can fulfill their dream of owning a home.

A non-bank mortgage to buy a property, or what is it about?

A non-bank mortgage to buy a property is not so unknown. Currently, the interest in this financial product has grown rapidly, which may be due not only to its easy availability, but also to the relatively simple acquisition conditions. Basically, it is the same product that the banking companies provide under the name American Mortgage – you do not have to prove what you will use the funds for. A non-bank mortgage for the purchase of real estate is provided by non-bank companies.

Advantages of a non-bank mortgage to buy a property

A non-bank mortgage to buy a property hides a number of benefits. First of all, there are conditions for negotiation, which are many times easier than for a banking company – you do not have to prove income, you are not checked in the registers of debtors, you do not have to prove your creditworthiness. It is provided against the property pledge and the maturity period can be from 1 to 30 years. An important advantage is its settlement, which, unlike the mortgage contracted at the bank, does not last several months, but only a few days. This allows you to realize your property purchase plans much earlier.

Do you want to change your family budget? Take advantage of refinancing your non-bank mortgage Depending on the amount of the loan, you may also be granted a non-bank mortgage without a pledge A non-bank mortgage calculator quickly calculates your repayments Mortgage with execution, your rescue from auction The whole blog

1000 Euro payday loan with immediate payment

You need fast money? Take advantage of the Internet and you have your with immediate payment in no time on the account. Take advantage of the flexibility, speed and choice on the internet to get the perfect credit in just a few clicks on your own account. You do not even need to leave your home sofa, as an online loan is simply requested from home. Take this opportunity to get the perfect loan and inquire today how you can find the perfect loan, apply for it, and have super quick credit. Make the most of your finances now and you’ll be amazed how easy and fast you can get your finances under control again. After all, with the right loan, that should be easy. Take the initiative now and you will see how fast you can have a 1000 Euro payday loan with immediate payment on the account!

The Internet offers many different ways to find and apply for the right loan. After all, you are not limited to offering a single bank online, but have many different providers and offers to choose from. So you not only get the traditional loans, such as the long-term loan in various versions, but can also get great alternatives such as the short-term loan. This flexibility even gives you the opportunity to get a loan without . Your information will not be consulted and the credit will not be reported to when you receive a loan. All these options are independent of the loan amount that you want to borrow. In the field of mini credit or small loan you have the possibility of 50 euros over 150 euros, 200 euros, 500 euros, 700 euros, 900 euros to just 1000 Euro payday loans each amount to borrow and so in any situation to have the right credit at hand. Even if that should be a 1000 Euro payday loan payday loan with immediate payment.

With the speed of the Internet, you have a 1000 Euro payday loan instantaneous payment loan immediately

Take advantage of the speed of the Internet to have the right loan immediately in your account, even in surprising situations. You will be amazed how quickly you can get money if you lend money with an instant loan, an emergency loan or even with a or loan with immediate payment. Take advantage of this speed to keep the upper hand, even if unexpected problems come to you, because even then you have a 1000 Euro payday loan payday loan with immediate payment quickly on the account

With the simplicity of the Internet, you have a 1000 Euro payday loan payday loan with immediate payment expeditiously

Use the simple loan application on the Internet to easily get started with a fast loan process. You simply click through from the loan offer to the claim form and fill it out truthfully. Then just send and wait for the answer of the credit provider. Already you have with a 1000 Euro payday loan payday loan with immediate payment fast money in the account. So fast and uncomplicated you can have your finances under control again. Good luck with your credit and the money!

If a deceased person owes money when he / she dies, it is important to find out if the debt is greater than the funds in the estate. If so, the estate must be treated as a trustee. Hereby the heirs will not be liable for the debt to the creditors.

Trustees stay

When the estate is insolvent, the heirs cannot expect any inheritance. The probate court then appoints a trustee (a lawyer) to provide for the treatment of the estate. The trustee must provide all the practicality of the estate, including that the deceased’s values ​​are distributed among the creditors. If the heirs want to take over some of the deceased’s possessions, they often have to buy these from the estate.

Private change

If the debt does not exceed the funds in the estate, the heirs may well choose to make a private switch instead of a trustee stay. This can be done on condition that they ensure that the creditors receive their money before the heirs share the remainder, that is, the inheritance.

Expenses

If there is no more than DKK 36,000 in the estate, when the expenses (for the funeral, the director’s fee and the court fee) have been paid, as well as the mortgage debt and the creditors’ possible set-offs are deducted, the treatment of the estate can be terminated by the fact that the deceased’s closest relatives receive the amount paid. The relative must not pay any other debt.

Insurance goes beyond the estate

If the deceased had taken out an accident or life insurance, the person who has been deployed as a beneficiary will be able to get the money by contacting the insurance company. The money from the insurance is not counted in the estate. The same applies to rate and capital pensions in banks. Even if the money goes beyond the estate, you usually pay the tax on the amount

Need to know more?

I am impartial financial advisor and help many people get clarified opportunities and rules without having to pay a fortune to a lawyer. Contact Sund Economics for advice on debt after death .

September 6, 2016

Fast Non-Mortgage Mortgage Calculator

A fast non-bank mortgage mortgage calculator , represents a solution for all who for some reason cannot get a mortgage loan in a bank. There are several reasons why a bank does not want to comply with your mortgage application. The first reason is that the banking institution is very fond of clients with high creditworthiness, in other words, clients who are not at risk of losing their mortgage credit. An insolvent client with a bank has no chance. There is no chance for a client who has a lower monthly income than the bank would have imagined. A fast non-bank mortgage mortgage calculator will certainly help you in finding an alternative solution for getting a loan from a non-bank company.

Mortgage even with registry entry

If for some reason you got into a not very luscious registry of borrowers, you were locked in the door of any bank institution. You can forget about her financial products. The bank carefully chooses which client to borrow money and to whom it does not. Her demands are often striking. Searching for debtors’ registers and searching for your income will definitely not be pleasant. However, if you decide to apply for a mortgage loan at a bank, this is all waiting for you. However, a fast non-bank mortgage mortgage calculator does not in any way address your financial past, that you have delayed paying your mobile service or internet bills, but you are not interested in a non-bank institution. Anyone can get into a difficult financial situation and not always with their own fault. The non-bank company will help the client with the entry in the register to obtain a mortgage loan.

Non-mortgage mortgage calculator

Mortgage calculator is a great help. If you are considering setting up a mortgage loan, there is nothing easier than to evaluate your existing bids with a mortgage calculator . Choosing the best one requires time to think. As well as banking institutions, the non-bank has a mortgage calculator. A fast non-bank mortgage mortgage calculator will give you a clear idea of ​​the amount of your repayments and how many years you will repay the mortgage loan after you enter the amount you want to borrow and the length of years you want to repay.

Do you want to change your family budget? Take advantage of refinancing your non-bank mortgage Depending on the amount of the loan, you may also be granted a non-bank mortgage without a pledge A non-bank mortgage calculator quickly calculates your repayments Mortgage with execution, your rescue from auction The whole blog

I. REGISTER DATA

Information on the registry, where it is possible to verify the authorization of Herne the Hunter for activities within the meaning of Act No. 257/2016 Coll., On Consumer Credit, will be published after granting an activity license. Until the Czech National Bank authorizes its activities, Herne the Hunter operates in accordance with Section 169 of Act No. 257/2016 Coll., On Consumer Credit.

II. THE POSSIBILITY OF ADDRESSING CONSUMER DISPUTES:

The consumer’s right is to turn to the Financial Arbitrator’s Office, established under Act No. 229/2002 Coll., On the Financial Arbitrator, with a possible claim for resolution of a dispute arising from the Consumer Loan Agreement. Financial Arbiter’s Office: Legerova 1581/69, 110 00 Praha 1, Tel .: + 420 257 042 070, E-mail: arbitr@finarbitr.cz

III. SUPERVISORY AUTHORITY:

Supervision of the Provider’s Obligation to Provide Consumer Loan for Housing is performed by the Czech National Bank, based in Na Příkopě 28, 115 03 Prague 1.

IV. CONSUMER CREDIT PROCESS:

1. We will receive your loan application.
2. There will be a telephone or personal consultation with our employee who will offer you the products of the company Herne the Hunter and will inform you about the terms and conditions of the Consumer Credit for Housing
3. In order to process your application, it is necessary to provide complete and truthful information regarding your income and expenses and to document the documents needed to assess your creditworthiness, in particular:
   1. A valid employment contract
   2. Pay slips for the last 3 months prior to applying for a loan, in the case of paying cash in cash
   3. Account statement for the last 3 months prior to applying for a loan
   4. Extract from the non-bank and bank client information register
   5. Documents for your regular monthly expenses (especially for housing expenses, household expenses, other liabilities, etc.) T
4. After the loan is approved and before the consumer credit agreement is concluded, we will provide you with pre-contractual information.
5. In good time before the conclusion of the consumer credit agreement, we will present to you a draft of the terms and conditions to be contained in the consumer credit contract in the form of a draft of this contract.
6. If you accept the draft terms and conditions, a consumer credit agreement and related contractual documentation will be concluded.

V. INFORMATION ON WHICH THE COUNCIL IS PROVIDED BY §85 PARAGRAPH. 1 ACT NO. 257/2016 SB., ON CONSUMER CREDIT:

  Herne the Hunter does not provide advice within the meaning of Section 85 (1) of Act No. 257/2016 Coll. As part of the activity of the consumer credit provider, we provide recommendations pursuant to §3 (1) (a). a) point 3 of Act No. 257/2016 Coll.

VI. PURPOSE OF USING A CONSUMER CREDIT

The purpose of using consumer credit with Herne the Hunter is not limited.

VII. CONSUMER CREDIT REQUIRED

All loans of the company Herne the Hunter are provided on the basis of collateral in the form of the establishment of a lien on real estate and at the same time the right of property prohibition against the burden of real estate.

VIII. VALUATION OF SUBJECT MATTER – REAL ESTATE MATTERS

In valuing the subject of consumer credit for housing, the collateral is valued at the usual price under Act No. 151/1997 Coll., The Property Valuation Act. Valuation of the subject of collateral is ensured by Herne the Hunter at its own expense.

IX. CONSUMER CREDIT TERMS AND CONDITIONS

  The consumer is entitled to repay all or part of the consumer credit at any time for the duration of the consumer credit. In such a case, the consumer has the right to reduce the total cost of the consumer credit by the amount of interest and other costs that the consumer would have to pay if the consumer credit had not been repaid prematurely. In the event of early repayment of a consumer loan, the creditor is entitled to reimbursement of the reasonably incurred costs incurred by him in connection with early repayment. The amount of such costs shall be communicated to the consumer in the pre-contractual information and in the contractual documentation. The consumer submits a request to issue a current quantification of the consumer’s obligation in writing or via a form published on the website www.aktivafin.cz.

X. NOTICE OF POSSIBLE CONSEQUENCES OF NON-COMPLIANCE WITH THE CONSUMER CREDIT LIABILITIES

1. If the Consumer finds himself in default at any time in payment of any monthly installment or part thereof, for more than 3 days, the Creditor shall be entitled to issue to the Consumer “I. reminders ”and send it to the address of the residence or other known contact address of the Consumer. In this I. Reminder, the Creditor shall ask the Consumer to pay the installment or its arrears within 15 days of the due repayment due. The Creditor, together with the issuance of the 1st Reminder, is also entitled to charge the Consumer a one-off contractual penalty for late payment of the installment or its part and for making a reminder, in the amount of CZK 150 (in words: one hundred and fifty Czech crowns), which the Consumer undertakes to pay .
2. If the Consumer fails to pay the due installment or its part even within 15 days from the date of its due maturity, the Creditor is entitled to issue to the Consumer “II. Reminders with a reminder of possible Credit Redemption “and send it to the address of their residence or other known contact address of the Consumer, in which they invite the Consumer to pay the due installment or its part within 30 days from delivery of such II. Reminders and remind the Consumer that if the installment due or its part is not paid within the stated period, the Loan will be redeemed. The consumer is obliged to pay this outstanding installment or its underpayment within 30 days from the date of delivery of the II. reminders with reminders of possible Credit Redemption. Along with Exposure II. reminders with a warning about possible credit repayment, the Creditor is also entitled to charge the Consumer a one-off contractual penalty for late payment of the installment or its part and for making a reminder, in the amount of CZK 350 (in words: three hundred and fifty Czech crowns), by which the Consumer undertakes pay.
3. The consumer is always obliged to pay the due installment or its part within 30 days from the date of delivery of the II. reminders with reminders of possible Credit Redemption. Otherwise, the Creditor is entitled to repay the Loan with his / her act and send the Notice of Redemption to the Consumer at his / her address or other known contact address of the Consumer.
4. In the event of the Credit being repaid in accordance with all provisions of the Loan Agreement, the Creditor shall be entitled to a contractual penalty for the Consumer to repay the Loan consisting of payment of CZK 1,500 (in words: one thousand five hundred Czech crowns) by which the Consumer undertakes pay.
5. The Consumer is obliged to pay the loan, which was credited to the Consumer by the Creditor in accordance with all provisions of the Loan Agreement, including the contractual penalties under the Loan Agreement, within 30 days of the delivery of the Loan Redemption Notice. This period will be set by the Creditor in the credit repayment. This period is binding on the Consumer even if it is not known about the credit repayment, but this will be duly delivered to the Creditor’s known contact address of the Consumer.
6. In the event that the Consumer finds himself in default with the payment of the Loan Loan and all the Creditor’s claims on the Loan due under any provisions of the Loan Agreement, the Parties shall negotiate the creditor’s claim for the following claims:
   1. agreed contractual interest under the Loan Agreement, which the Creditor is entitled to charge from the outstanding principal of the Loan settled by the Lender at the maturity of the Loan or when the Loan is repaid until the Loan is fully paid;
   2. interest on late payment, in the amount stipulated by the law, pursuant to Government Order No. 351/2013 Coll., which the Creditor is entitled to charge from the total amount owed by the Creditor at the maturity of the Credit or when the Credit is repaid until the Credit is fully paid;
   3. a contractual penalty depending on the length of the Consumer’s default with the default of the total amount owed by the Creditor at the maturity of the Credit or when the Credit is repaid, namely a contractual penalty of 0.1% per day of the amount for which the Consumer is in arrears, when such a contractual penalty is imposed on the Creditor pay; the amount of this contractual penalty is limited to a multiple of 0.5 and the total amount of the Credit, but not more than CZK 200,000;
   4. reimbursement of reasonably incurred costs incurred by the Creditor in connection with the delay of the Consumer, in particular the reimbursement of purposefully incurred costs of court fees, administrative fees and legal representation costs in accordance with the relevant legal regulations

Want to know what the tax reform means to you and your finances? Below we have the link to a spreadsheet that you can use to calculate the consequences of tax reform 2012.

Using calculation tax reform requires, that you have installed Excel on your PC. If you do not have that, you can unfortunately not calculate the tax settlement 2012. The calculator is constantly updated as the content of the tax reform becomes known, therefore you will find that the numbers may vary from time to time. It is therefore also recommended that you retrieve the spreadsheet every time you want to make a calculation.

The tax reform contains tax cuts totaling DKK 7 billion. and also savings of another 2 billion to be used to increase public consumption, thereby increasing employment in public investment and civil engineering.

Originally there was a collaboration with the unit list, but in the 11th hour the government entered into an agreement with the Liberals and Conservatives. This means that some of the changes that had the unit list’s fingerprints do not turn into anything. The unity list would not, among other things, contribute to transfer income not being raised at the same rate as the general salary level. This means that people on transfer income, cash benefits and the like can look forward to having less available when tax settlement 2012 is finally introduced. If you are on transfer income you can see the final result of the tax reform in the above calculates.

The preschool is cropped for the richest

It is also envisaged that the richest will receive less payment in child allowance. If you serve more than 760,000 annually, you will no longer be paid child checks. Note that the change applies per person – and not per person. household. If one party earns over 760,000, and the other party does not have income, for example, because he is home-living, that would mean a deterioration of the check-out. You can see the consequences of this in the above calculations.

There was also a reduction in the state pension, since the basic pension of the public pension should be cut for the richest. These changes have completely dropped after the new tax settlement with the Left and Conservatives.