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Transferring loans to bank allows you to combine monthly repayment costs into one, much lower and much more convenient installment. Transferring loans to one consolidation loan makes it much easier to manage your family budget. bank gives the possibility to pay off all other loans in other banks and will offer us one loan with one monthly installment. The bank will offer us new and much more convenient conditions for repayment of our obligations.
Bank offers a consolidation loan in three options. The first option is the standard offer. It is still available in the bank’s offer. There is no need to buy any additional banking products to be able to take advantage of this offer. The minimum loan amount starts from $ 70,000. We do not need to have regular inflows to our bank account to be able to take advantage of the offer, nor do we need to insure our liability.
The second option is an easy start or convenient repayment offer. This offer is also indefinite. You can get lower start costs or a lower loan installment. This consolidation loan is also available from a minimum amount of $ 70,000. However, you must have regular bank account balance. Optional loan repayment insurance and real estate insurance are bought. With this loan you can pay off both residential and non-residential purposes. The third option is the winter sale that was available until March 21, 2018.
The bank does not charge any commission for granting us a consolidation loan, which makes the loan cheaper. Before applying for a consolidation loan, you should check your creditworthiness. By checking your creditworthiness, you can see how much credit you can afford. The loan installment can be adapted to your options and to your monthly budget. The loan is to help us, not ruin our household budget.
The loan amount and any other loan terms must be agreed with the bank in advance. A very big advantage of the consolidation loan at bank is that it is not necessary to have your own contribution to be able to transfer loans to one consolidation loan. When deciding on a consolidation loan in this bank and if it is to be used for purposes other than housing, there is no need to attach contracts to the loan application.
If the remuneration is transferred to our bank account, there is no need to provide a salary certificate. Before the bank makes a loan decision, it will want to evaluate our property. You can provide the bank with an appraisal carried out by an appraiser. In this case, the bank does not charge any fees regarding the valuation of the property in the bank. If you don’t have a quote, you can use the quote request from the bank. In this case, we will receive the appraisal by post.
The application can be made very easily. All you have to do is leave your number and complete all formalities remotely through a bank specialist. Documents can be sent online, and we will be kept informed by phone or online about what we need. We only come to the branch once to sign a loan agreement. After providing the necessary documents, the bank will assess our creditworthiness and decide whether to grant us a loan or not and what the maximum amount will be. After completing all necessary formalities, a loan agreement is signed with the bank.