Closing Loan – advantages and rates

 

Debt-closing loan offers an opportunity to transfer credit and credit card debts at different banks by taking advantage of flexible terms and favorable interest rates. In order to facilitate the payment of ongoing credit and credit card debt payments, you can use the debt settlement loan product under attractive conditions to pay your debts of up to 50,000 dollars. It is sufficient to apply to branches with the necessary documents for loan applications.

Who Can Benefit From Closing Loan?

Who Can Benefit From Closing Loan?

All of the conditions determined for those who can benefit from debt closing loan are intended to ensure that the repayment of the loan can be made in a healthy way. In the loan application to be made to branches, the applicant’s;

  • Having a high credit score,
  • The credit registry is clean,
  • Having life insurance during the loan term,
  • Having a monthly fixed and regular income,
  • Monthly income must be at least 2 times the loan monthly installment amount.

If it meets the conditions, the loan application is approved.

We advise you to read the article on Debt Closing Loan.

What are the application documents of Debt Closure Loan?

What are the application documents of Debt Closure Loan?

The documents required in the debt closing loan application are the documents indicating that the requested conditions have been met and the applicant’s address confirmation. For applications to be made to branches, by the bank;

  • Birth certificate,
  • Certified document showing monthly income,
  • Last 2 months subscription invoice for residence or name

It is requested. If necessary, additional documents can be requested for guarantor or mortgage transactions.

Closing Loan Interest Rates

Closing Loan Interest Rates

Loan closing interest rates start at 1.10%. If the interest rates offered within the campaign are accepted, 1.10% interest rate loan can be used with maturities of up to 24 months.

The interest rate determined for debt closing loan is 1.10% valid for up to 24 months and the interest rate for loans used over 24 months is 1.20%.

Some lenders do levy a penalty for preclosing the loan. However, pre-closure at times does help in lowering the interest rates and debt burden. The banks have different lock-in periods before which one can close the loan.

Why No Credit Is Released In The Clean Registry?

Did you know that banks do not even give credit to people with a clean registry? Your credit score will be very low when you do not make any transactions or spend any other expenses on your account.

There are tricks rather than the documents required to take credit and issue cards from banks. We wanted to elaborate on the reasons for not giving credit to the clean registry.

What Should Be Done When There Is No Record Of Debt To Any Bank And No Delay Or Follow-up?

What Should Be Done When There Is No Record Of Debt To Any Bank And No Delay Or Follow-up?

Although the reasons for the wrong registration are very wide, they are much less common than in the past.

If you are sure that you have not had a problematic credit record in the past if you have noticed that a wrong record has been created regarding the name similarity or debt that is not on your behalf due to various reasons.

You should submit this request to the institution you applied to the loan application for information about the problematic record.

Through a special system called the customer objection assessment system (MÄ°DES), it will inform you as soon as possible by learning the reality of the problem record from the member of the Good Finance Information (GFI), which has opened the record.

Thanks to this system, if it is understood that there is a mistake in the information contained in your record or a problem record belonging to someone else due to the similarity of the name, the correction to be done will be corrected as soon as possible by the Good Finance Information (GFI) member institution that has opened these records for sharing. and your loan application will be reconsidered.

Good Finance Information (GFI) members are not authorized to make any changes or comments on the information they share. Therefore, if there is no wrong registration, it will never be possible to delete your registration from the blacklist.

What Is The Reason For Not Getting A Loan After Closing The Bank Debt?

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There is no legal regulation on the subject. Although there is a change in banks’ credit policies in certain periods, the records of which the payment is over and the follow-up process about which is completed are deleted at the end of 5 years.

In a non-paid follow-up, the law of obligations comes into play and there is a 10- year time-out.

However, the fact that you have been deleted from the blacklist (GFI and Good Finance lists) after 5 years does not mean that the banks will give you credit in our new applications. The Bank has the right to give credit by using its own records within the framework of the loan usage policies.

How long is the blacklist timeout period?

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Delayed records are reviewed 12 months retrospectively. There is a 5-year period for the records that have been included in the Black List and then the payment has been completed and the debt has ended. The timeout is 10 years for records that have never been paid.

What Should Borrowers Who Entered the Black List in the Past and Fully Paid Their Debt?

First of all, you should establish a deposit relationship instead of a loan relationship with the banks, it helps you to establish a communication with the banks and employees to whom the loan request / will be made. Take care to use the bank’s non-credit products (such as deposit, investment account, automatic bill payment order, etc.).

After the established relations, customers requesting credit should personally request their credit or credit card from the bank, with documents indicating that your past track records have been deleted between 3-6 months.

Never forget that your credit rating will decrease in every query you make from banks to attract credit. Avoid unnecessary queries and keep good with banks.

Making regular purchases and payments by credit card means paying all of the extra credits regularly, adding new points to your name.

Credit to Healthcare Professionals

 

Credit to Healthcare Professionals, banks give loans to healthcare professionals in obtaining loans more easily. It is one of the main reasons why they have regular income and state guarantees. All citizens want to reach the money in a fast and easy way in terms of obtaining credit, but each bank has different procedures for this.

What are the requirements?

What are the requirements?

Before applying for a loan, of course, it is necessary to know exactly what banks want and how to make the loan easier. A citizen who applies to more than one bank but cannot get a loan can go directly to a single application. The important thing here is how the application is made and the citizens are informed correctly before they are made.

The loan consultancy firm has sufficient knowledge and equipment to get credit to healthcare professionals. and it helps healthcare professionals achieve immediate results with a single application.

Of course, there are certain conditions for us to get credit without any problems, what are these conditions?

  • It is an important issue not to fall under legal and enforcement proceedings by banks in previous periods.
  • One of the first things that banks look at when buying a loan is that loan installments should be at most 50% of your income.

Can Healthcare Staff Get Credits?

Can Healthcare Staff Get Credits?

As stated above, since healthcare professionals have a regular income, they can easily get loans if there has been no legal follow-up and enforcement in the past. Of course, can health personnel who have been pursued legal follow-up and had problems with the banks in the past cannot get credit? of course he can. For this, it is necessary to determine the correct application and amount. We handle these transactions for you and we work hard to get the loan that healthcare professionals need.

Which Banks Lend Healthcare Professionals?

Almost every bank gives loans to healthcare professionals.

What happens if healthcare professionals do not pay their loans on time; Health personnel, like all other citizens, have the same responsibilities in the legal process after taking a loan. If you do not pay the installments of your loan on time, a notification is sent via SMS and e-mail in the first month. If the loan installment is not paid in the next month, 2 installments are not paid consecutively and banks may have to collect the entire loan if they wish, or they may have to initiate enforcement and lien transactions.