The best offers of loans without domicile payroll

Get the best loan offers without changing banks or hiring linked products. Compare for free the loans that you can hire without paying your salary and get the financing you are looking for without further paperwork.

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ALL YOU NEED TO KNOW:

  • What are the loans without domiciliary payroll
  • Types of home loans payroll we can get
  • Domicile the payroll if I reduce the interest on the loan?
  • Are loans without bonds better?
  • Can I get loans without payroll?

What are the loans without domiciliary payroll

What are the loans without domiciliary payrollThey are personal loans with which we can get money without needing to be customers of the bank, that is, where we will not have to open an account to enter our compensation. It may happen that we do have to contract other linked products such as a credit card or insurance, but it will not be necessary to transfer our income from one entity to another and lose the advantages offered by our current bank.

The most common is that loans without domicile payroll offer them or private equity companies or financial institutions of credit, but in recent times have also proliferated banks that offer financing to people without having to change banks.

Not having to pay the payroll when hiring financing, that is, getting loans without links , allows us to compare a wider range of offers than our bank offers without having to go through the whole process of changing our entity income only for getting better conditions.

Types of home loans payroll we can get

Types of home loans payroll we can get

Currently the offer to get loans without domiciliar payroll is quite broad. We can find in the market financing with features and advantages designed to cover different purposes. Below , the different types of online loans we can get without linking our income to the lender:

  • Mini online credits: these are loans granted by private equity entities with which we can get up to 750 euros if we are new clients and up to 1,200 euros if we are already customers and serve to face small incidentals. Your concession time is just 15 minutes and they are requested completely online. They have a repayment term of a maximum of 30 days and must be returned in a single payment. Its cost is 1.1% daily and have no commissions or links. In addition, it is not necessary to have seniority in the entity to hire them.
  • Personal loans : they are a form of financing that we can obtain both in financial institutions of credit or in banks. They allow us to obtain amounts from 3,000 euros to finance large projects such as loans for students who want to pay tuition. They have a reimbursement period of between 1 and 10 years, depending on the amount we request and they are returned in monthly installments. Its cost is around 8.5% APR and may have commissions and links, although the current trend is to offer fewer and fewer links.

Depending on the purpose for which we need the money, it will be convenient to go to one type of credit or another. Knowing how to identify which of all types of non-domiciliary loans pays us according to our economic needs is a key element when choosing the appropriate financing.

Domicile the payroll if I reduce the interest on the loan?

Many banks offer us the possibility of contracting a product linked to the loan in exchange for lowering the interest on the loan . This option can be a good alternative or not, depending on the type of linked product offered. If it is related products without additional costs such as direct debit of our income or invoices in an account without annual fees, it will be a good offer that will simply take more paperwork.

On the other hand, if it is related to additional costs such as the purchase of a life or payment insurance or the use of a credit card, we will have to calculate if the reduction they will make to us will be greater than what the linked product costs. hire to make it worth it. If not, it is best not to reduce interest, but not spend more on the linked product.

Are loans without bonds better?

Not necessarily. Yes it is true that a loan without links will always be much more convenient to request, since it will not be necessary to carry out a large number of procedures such as contracting products or changing the domiciliation of our invoices to access them. In addition, it allows us to go to a greater number of offers without having to change banks.

Normally, loans without bonds are better conditions than other personal loans , since they are designed to attract new clients whose entity does not offer them the best loans. In addition, by not having additional costs for contracting additional products, they are usually cheaper.

Likewise, to compare whether it is a good offer or not, it is important to carry out a simulation of the credit with the quantity and term that we want to achieve and with other extra costs such as related products, commissions and others.

For this reason HelpMyCash has designed a free loan calculator with which we can know what the total cost of the loan will be, how much we will pay for the connections if you have them, for the commissions, what monthly fee we will have to pay and, in addition, other offers that They can be adjusted to our needs and they are cheaper:

 

Can I get loans without payroll?

Can I get loans without payroll?

Yes. Having an alternative income to the payroll is not a problem to obtain the financing we are looking for. In any case, just as happens with the income that comes from a payroll, in order to obtain loans without payroll, the remuneration that we receive must meet certain requirements so that the entity can ensure that we can face the reimbursement without problems:

  • Be justifiable : it will be essential to have an official document that verifies that we received such income.
  • Be enough to repay the monthly installments without problems and without unbalancing our economy or disregard the other economic obligations (rent, bills …).
  • Being regular is important that the compensation we receive is extended in time and monthly. If this is not the case, the entity will consider that we will not be able to meet the payment of any of the monthly installments during any time of the life of the loan.

If our income meets these three characteristics, we can obtain the credit that we seek and, if we go to the aforementioned loans, we can do it without changing banks or contracting connections.

They occupy the Banco Español de Crédito, in Plaza Catalunya in Barcelona

 
 One hundred activists of social movements occupied Saturday afternoon the building of the former headquarters of Banco Español de Crédito in Plaza Catalunya in Barcelona , where they plan to stay at least two days, in a protest of support to the general strike next Wednesday. 
 
Image result for banco espanol creditoThese are members of neighborhood assemblies and different left-wing groups, which under the name of Moviment del 25 S call for the occupation of the emblematic building, which has been empty since 2007. The action took place at the end of a demonstration against the bank and the capitalist system, with about a thousand participants, that passed through the center of Barcelona and that, according to the Mossos d’Esquadra, was not authorized. A few members of the collective, as they said, had already entered the building days ago and were waiting there for the other activists. 

In the symbolic moment of occupation, twelve climbers climbed the emblematic building and displayed a banner of 150 square meters on the facade with the slogan: “The bank chokes us, the bosses exploit us, politicians lie to us, CC.OO. UGT sell us “and another with the emblem” against the dictatorship of capital, general strike “.

Sources of the collective convener have explained that the first intention of the occupants is to remain in the building at least until Wednesday (the day of the general strike), during which concerts, debates and all kinds of activities on the origin of the economic crisis and the need to support the break.
The program of activities for this Sunday is composed of two workshops on cooperativism and social economy and on food cooperation, a “popular lunch” and workshops from 16 to 19 hours on “tools for daily resistance”. Finally, an open General Assembly will take place, starting at seven o’clock in the afternoon, where they will decide firmly until they want the occupation of the building to last. They warn that if they are evicted, they will keep their program at the doors of the old Bank.

According to an EFE spokesman, the activists have organized themselves in different commissions to spend the first night in the building, which has been empty for years and which they say was very left behind. Thus, while some were in charge of the provisioning, others conditioned the rooms, cleaning them and installing carpet to organize the assemblies planned for the next few days. They have also made a first breakfast, with chocolate.

According to Ivan “Precario”, one of the speakers of the occupiers, these debates will analyze “new formulas” so that people who do not have work, such as unemployed, retired people and housewives can join the general strike. In addition, the activists ask the citizens to massively support the strike in order to express their protest for the governments that want to make the worker pay for the effects of an economic crisis that, in his opinion, has been provoked by the banking and capital.
The group claims the building as “a banking space at the service of the strike” and calls for a massive follow-up of the general strike. “We love the idea of ​​the general strike, it seems an opportunity, very necessary, to externalize the discomfort,” they say, although they do not see it enough. In a statement, they regret that “between four and five million workers” will not have the right to strike because they are unemployed, as well as “millions of people” with precarious employment, who can not go on strike at the risk of being fired.

Image result for protest spainWhile activists are still entering the old Banco de Credito headquarters to join the protest, the Mossos d’Esquadra keep a police device in place that follows the development of the occupation from nearby streets, without intervening for the time being. The activists, nevertheless, affirm that throughout the night several “secret” (plainclothes police) have entered the building, “to assess the situation”, but that “they have gone without more”.

With this action of protest, as reported by the collective organizer in a statement sent to the press, social movements have sought to give a “surprise” to heat engines ahead of the general strike next Wednesday, coinciding with the festivities of La Mercè . In fact, the occupation of the building, which began around 7:00 p.m., coincided with several events on the program of the patron saint festivities of Barcelona organized in the central Plaza Catalunya, as a children’s choral song, a flamenco music workshop and several concerts.

The occupied building, located at numbers 10 and 11 of Plaza Catalunya and number 1 of Paseo de Gràcia, is empty since 2007, a year after it was purchased by Monteverde Real Estate Group for 110 million euros with the purpose of converting it into a luxury residential building with commercial premises.

Malaga drivers suffer costly breakdowns after refueling at a Carrefour gas station

  • Those affected refilled on December 5. There are already 137 claims.
  • After filling the tank with diesel A, their vehicles began to fail. The cost of breakdowns ranges between 1,500 and 7,000 euros.
  • The fuel has an 8% discount with the shopping center card.
El centro comercial Carrefour Los Patios, en Málaga ciudad.

They wanted to save five euros in diesel and have left several thousand in the workshop . More than a hundred drivers have suffered costly breakdowns in their vehicles after refueling A at the petrol station of the Carrefour Los Patios shopping center in Malaga city, on December 5.

The Peugeot and Citröen, of the new ones, took the motorway and in a little while they stopped “The Peugeot and Citröen, of the new ones, took the motorway and in a little while they stopped, my car, as it is a Renault Megane of 10 years, It was good until home, but then it did not start, “assures 20minutos.es José Antonio Robles.

The deposit filled the fateful day attracted by a discount of 8% fuel if the shopping center card was used. “The liter was at 1,326 euros and I loaded 52,10 liters in the tank, it would have cost me 69,08 euros, but with the offer I saved 5,53,” he explains, with the receipt in his hand . Now he has the car in the workshop and a settlement budget of almost 2,000 euros.

The first sign that something was wrong came immediately. “The pilots of the diesel heaters came on, but I did not blame it on the fuel, because it was a bridge, it took me a while to get the car, but when I did it, on Wednesday 7, it did not start well,” he recalls. Taking advantage of the annual review, they changed the heaters, but it still failed. Until a companion told him that he also had the car damaged and had refueled in Carrefour. “When I called the workshop, they extracted diesel oil, stirred it, and foamed, which means it does not have a necessary protective additive ,” says Robles.

They extracted gasoil, they shaken it and it left foam From Carrefour they assure that they can not assume any responsibility on the sold fuel until they act the experts. “That gas oil was served only on December 5 and only at that gas station, when we have 96. We have 137 complaints and we have not suffered any similar cases before,” said sources of the company. However, its insurer, Zurich, has already contacted several of those affected who have claimed damages to evaluate their vehicles.

Worst case scenario

Image result for worst case

Another one is José Luis FB, a bus driver who has his Toyota in the workshop and a budget of 5,100 euros. “They called me from Zurich and they told me that the expert would call me this week to go see the car, but he has not done it yet,” he says. The worst of his case is that between his place of residence, La Cala del Moral, and his job, Estepona, there are more than a hundred kilometers and he needs the vehicle. “The first week I had to resort to a rental car, but it costs me 75 euros a week and my insurer told me that Zurich may not be able to pay for them later,” he protests.

He has his Toyota in the workshop and a settlement budget of 5,100 euros. These days he has borrowed the cars of his wife and brother, but next week he may have to rent another vehicle again because at the time start working, 05.00 hours, there is no public transport. ” I have asked for a replacement car , but they have not answered me,” he complains.

José Luis is also angry with the gas station because they have not posted any informative poster for those affected to go to the company. “I told her, but they told me that they are not obliged to put the poster, and every time I approach there are three or four people complaining about this issue.