Mortgage loans and advances

At Kathy in Karowise, we offer you a cheap mortgage that will make your dream of your own apartment or house come true. We offer comprehensive services in this area – not only will we tailor the offer to your needs from among the 15 banks’ proposals, but we will also help you complete all the documents necessary to conclude the contract and receive funds. Thanks to us you will save time as well as money, because we know how to find a favorable loan against real estate.


We will find the best mortgage for you in Silesia

mortgage loan

Buying property is a serious financial undertaking, so taking out a loan for this purpose under the pledge involves great responsibility. To avoid being overly burdened when paying off a liability, it is worth making sure that the associated costs are as low as possible at the beginning. At Kathy’s office, we have been helping clients find the best mortgage products for many years, taking into account their budget options (e.g. amount of own contribution) and expectations (even those regarding the amount of the monthly installment payable).


The cheapest mortgage, or what?

The cheapest mortgage, or what?

Margin is not everything. It should be important for the borrower whether the bank charges a commission for granting a mortgage. This is a one-time payment, the amount of which is usually determined as a percentage of the amount of capital borrowed. However, the cost of credit does not have to end there. The total cost of the loan will also be affected by other, additional fees and costs charged by the bank, it is worth checking each time what additional costs will allow you to take advantage of the offered offer – it may be, for example, a compulsory credit card, minimum monthly account receipts, required for several years life insurance etc.
We will take all these factors into account when preparing an individual offer for a cheap mortgage for the purchase of real estate, which may be, among others apartment, house or plot.


When is a good solution a mortgage ?

When is a good solution a mortgage ?

Individuals who use the services of our office in Karowise can count primarily on mortgage loan offers . These are products that are intentional and intended for the purchase of real estate. In addition, we offer mortgage loans –   mainly for companies. In this case, the funds can be used for any purpose, e.g. to cover the costs of current operations, investments or even repayment of other liabilities. The condition for using this form of financing is that the company owns real estate on which collateral can be established. It can be e.g. a plot, own office or commercial premises. Thanks to this, it is possible to apply for a high amount of liability even in the event of insufficient creditworthiness. However, it is worth remembering that the amount of the loan depends on the value of the pledge.

For loans, we not only offer solutions provided by banks, but also by private investors.

Working capital loan – for whom?

Various, unforeseen situations can cause a temporary loss of financial stability. What counts then is immediate reaction in order to regain liquidity of funds needed for current needs and liabilities. One of the possible solutions then is a revolving loan. What is it and who will it be suitable for?


Working capital loan – what is it and in what situations will it work?

Working capital loan - what is it and in what situations will it work?

The working capital loan is characterized by the fact that it is intended to finance the current demand of the company. We can spend it on the purchase of goods, means of production, raw materials necessary for the further functioning of the business, or to settle receivables from contractors and tax authorities. Working capital loans are often necessary help for many small and medium enterprises exposed to temporary loss of financial liquidity. Its characteristic feature is that it is usually not secured in real estate – mortgage. However, in some cases, banks use this type of collateral.

Revolving loans can be divided into two types – revolving loan and non-revolving loan. The first of these occurs when the bank grants the borrower a certain amount of money that the borrower can withdraw at any time, and then top up and re-use the allocated limit. This solution is also called the overdraft line. A working capital loan for companies also has several determinants that will tell you when and for whom they work best. Companies should think about this solution when:

  • are exposed to situations in which revenues do not always coincide with current expenses, e.g. subsequent repayment of liabilities by customers.
  • there was a sudden expense, e.g. the need to buy new equipment, or a major breakdown requiring funds for repair.
  • they need additional finance for investments – the working capital loan has a low interest rate of 3.5%, negotiable. Thanks to this, the company can gain additional funds for development at a low cost.


Working capital loan for companies – interest, disadvantages, advantages

Working capital loan for companies - interest, disadvantages, advantages

As mentioned above, a low interest rate of around 3.5% is a great opportunity for companies to invest at a low cost. Many banks offer the option of negotiation. We can also count on attractive offers using brokers’ services. This is an important advantage of this type of solution. What other advantages does a working capital loan have for companies? Interest rate at an attractive level, long repayment time [in the case of non-renewable, up to 120 months, in the case of renewable up to 10 years], repayment of installments tailored to the needs and capabilities of the borrower, as well as the possibility of entering interest in the costs of the business.


Working capital loan for companies – summary

Working capital loan for companies - summary

This type of loan is a great solution, especially for small and medium-sized companies that need temporary support in maintaining financial liquidity. A revolving loan gives you this option. We have two options – renewable and non-renewable – in the case of the former, the loan period is up to 10 years. Many attractive amenities make it a convenient solution also in the case of planned investments or unforeseen expenses.

Simulation redemption of credits Finances (Our guide and tutorial).

Why not try a simulation of credit redemption?

Why not try a <a href=simulation of credit redemption?” width=”660″ height=”447″ />

You are tempted by a buy back of credits because you think that it could improve your financial situation. Rageni Finances, credit restructuring specialist, has an online simulator to assess what could be your new monthly if you proceeded to a redemption credits. From the website, go directly to the Rageni Finances simulator online. The form to be completed has only two steps: ” Your situation ” and ” Your contact information “. This questionnaire is therefore quick to complete. However, have some items at your fingertips such as the amount of monthly payments and the total amount outstanding for each loan.

During this first step ” Your situation “, you must indicate:

  • the number of credits you have, the amount of the monthly payments you pay and the total amount outstanding
  • the number of home loans, the value of the monthly payments paid monthly and the total remaining due.
  • if it is a first request for consolidation of credits or not
  • if you have a need for cash, you must enter the amount
  • your professional situation. If you are still working, indicate whether it is a CDD, CDI.
  • your real estate situation. If you are an owner, you must indicate the value of the property.
  • your income. Do not mention the household income but only your income.

In this second step ” Your details “, if you have a co-borrower, check the ” Yes ” box to the question: “Do you have a co-borrower? “. You will then be asked to detail his personal situation ( name, first name, date of birth ) and his professional situation ( occupation, type of contract, monthly income ).

If you do not want to receive commercial offers,

If you do not want to receive commercial offers,

In Rageni Finances partners, please tick ” No ” to the question: ” Do you want to receive our partner offers? “. Then click on the ” Validate ” button to proceed to the next step.You receive an answer quickly, in 24 hours – 48 hours, only if an expert of Rageni Finances estimates that your situation makes it possible to carry out a regrouping of credits.

You can request to be called back by a Rageni Finances advisor immediately by clicking on the ” Free Instant Recall ” insert.

We choose a cash loan

Cash loans

Cash loans

Cash loans are among the most popular bank loans and banking products in general. Such a loan is almost universal when it comes to financing the typical needs of an average household. It can be used for any consumer purpose, i.e. not related to running a business. With it, you can finance, for example, the purchase of equipment needed at home, going on vacation, or organizing holidays, or a large family event.

The loan, of course, costs, because interest is charged. For this reason, it is worth carefully reviewing numerous offers to find the most financially advantageous option, while financial profitability is not the only criterion here.

When it comes to costs, the most important is interest, which basically is directly responsible for how much the loan will cost us. In addition to interest, a commission fee may also be relevant, but this is not always the case.

Types of interest rate

Types aof interest rate

It is also necessary to take into account the type of interest rate itself, which can be fixed or variable. A fixed interest rate is one that does not actually depend on interest rate changes and is the same throughout the repayment period. On the other hand, the variables will decrease if interest rates are cut, or increase if they rise. You can also consider the monthly costs associated with the installments and repayment method. For example, you can find offers with equal installments and with decreasing installments. In the first case, all installments are simply the same amount, while in the second case each subsequent installment is smaller, because interest is charged on the capital outstanding.

Before we get a loan, we will also have to go through some formalities, including checking our creditworthiness. The bank may ask us for a certificate of income, as well as require credit insurance or a guarantee by another person. It is also worth remembering to have other credit obligations regulated on a regular basis, as the bank may also look into our data in the Credit Information Bureau. Thanks to this, he will have access to information on whether we have paid back our previous obligations and we are reliable borrowers.

Corporate consolidation loans – what to look for?



If you use a private loan to pay off all or part of it in the case of a student loan, you will no longer be able to deduct interest payments with benefits such as deferment.

Purchase financing

Purchase financing

Purchase financing depends on whether it is a desire or a need. If you intend to take out a loan from a private loan, paying the seller in cash may be a better form than financing by the seller in the form of a loan. You should never make financing decisions on the spot, but it’s a good idea to ask the seller about the offer and compare it with what you can get through personal loans. Then you can decide what is the best choice in this case.

Payment for a wedding

Payment for a wedding

Any major event – such as a wedding – qualifies if all related fees are placed on your credit card and cannot be repaid within a month. Personal loans save significant amounts on your interest costs, provided they have a lower rate than your credit card.

Credit improvement

Credit improvement

Personal loans can help you improve your credit score in two ways. First, if your credit report shows credit card debt, personal loans can help you mix your account. If you have different types of loans, this is good for getting a better result.

Secondly, it reduces the loan utilization ratio – the total loan amount that is used in relation to the credit limit. The lower the loan amount, the better the rating. Having a private loan increases the total amount that is available for use.

Circumstances for taking a loan

Circumstances for taking a loan

Personal loans can be very useful in the right circumstances.

CreditCole offers its clients a cash loan with a fixed installment guarantee for the duration of the loan. The bank does not require an account or insurance, although opting for additional products can help in obtaining better price conditions.

Cash loan is a standard CreditCole loan product. The Bank’s offer includes a well-recognized Prostoliczony Loan, which is distinguished by a fixed monthly fee for every $ 1,000 net that has been borrowed.

Money and relationship. How to reconcile it? 5 proven ways

Finding the balance between money and love is usually extremely difficult. Although we often hear that money does not bring happiness, we know perfectly well that they are the standard and lifestyle of every human being. The situation becomes even more complicated when we have to learn to manage and respect not only our own, but also the money of the partner. Many couples are reluctant to discuss the subject of joint finances, which ultimately leads to frequent quarrels and problems. To prevent this from happening, there are a few best practices to manage your shared budget.


1. Knowledge of the partner’s expectations and beliefs

money loan

Managing and planning shared expenses and savings can prove to be a real path of torment if we don’t know the partner’s approach to financial issues. Each of us has some habits and beliefs about home finances. When planning a shared future, it is worth getting to know the partner’s expectations and possibilities related to earning and spending money.


2. Common financial goals

2. Common financial goals

Talking and setting common goals (including financial goals) are the absolute foundations of a successful relationship. Analysis of the current situation related to the earnings and expenses of both partners will allow you to take appropriate steps that will allow the implementation of joint plans and dreams. A good idea might be a finance schedule, by which it will be possible to collect money for joint holidays, renovations, purchases or larger investments, such as buying a flat or a car.


3. Honest conversations

money loan

Open and honest conversations about joint finances should not be taboo. The more often we ask a partner what he thinks about personal and joint finances, the greater the chance of a successful relationship. Talking about money is usually difficult, so remember to listen carefully to your partner’s opinions and not jump to conclusions. All issues related to joint finances should be well discussed before we make any decisions. In addition, every self-respecting couple must know that honesty in a relationship is key. Hiding from the partner any expenses financed from the common budget heralds an imminent catastrophe.


4. Adjusting living standards to earnings

money loan

The ability to adapt your lifestyle to your earnings is a challenge these days. Most of us dream of a well-paid job that would allow us to implement all plans and live at the highest level. Unfortunately, not everyone can boast of such a good income. Often, even joint savings do not allow you to meet your goals, so you should wisely define your requirements. If you can’t afford a luxury car or elegant furniture, you can think of slightly cheaper solutions or temporarily postpone some expenses. It is much easier to do without a sofa with a massage function, than with a view to giant installments of credit, taken out of mindless whims.


5. Avoiding debts

5. Avoiding debts

Loans and credits give you the opportunity to finance every purchase, but applying for it is not always a wise move. Of course, every decision to incur joint debt comes down to financial goals. There are needs that make sense and for which you should think about a loan (e.g. buying an apartment or investing in your own business). Sometimes life itself requires us to take such steps due to sudden illness or other unfortunate accidents. Nevertheless, sometimes it is better to delay your purchase, save and pay in cash instead of charging yourself with any debt. In addition, in the case of joint financial obligations, mutual trust is necessary, and in the event of financial problems of one of the partners, it is necessary to take independent responsibility for the debt.

Quarrels and quarrels about money affect almost every pair. Nurturing a solid relationship takes time and work. Joint finance is an important and often problematic issue, but properly planned should not be a source of problems, but the ability to meet specific goals. Joint talks, decisions and compliance as to managing the home budget is a prerequisite if we care about good relations with the partner.

How much does the school layette cost? Where to get money and how to save? – Loans

The new school year is getting closer, and hence higher expenses for school layette. September means the need to buy school supplies, new clothes and books. And if your child goes to first grade or changes school, expenses are even higher. Check how much money you need to buy your child.

How much does the school layette cost?

How much does the school layette cost?

Buying a child for school is one of the biggest expenses during the year. And if you have two or three school-age children, the costs may exceed your monthly income. See what expenses you have to incur and plan your budget before the first school bell rings.

One of the expenses is a backpack or bag, prices range from 30 to 150 GFI. The cost of the pencil case with accessories (pens, rulers, crayons) is GFI 50 -100. The notebooks are 22 – 50 GFI. A sandwich box and a thermos flask cost around GFI 70. A big load can be sports clothing, consisting of shoes, pants, two t-shirts cost from 100 to 400 USD.

Plastic articles are another 30-50 USD. The cost of the entire layette can be estimated within 300 -820 GFI for each child. Last year, the average cost of a child’s layette was GFI 903.

How to cover school expenses?


In the 2018/2019 school year, it is possible to reduce some of the costs for school layette. The “Good Start” program is a benefit of GFI 300, which you can receive for a child under 20 years of age. The program does not include students, post-secondary school students, and also thanks to going to kindergarten and kindergarten.

Applications can be submitted until November 30. Another reduction in school costs are free textbooks and exercise materials for students in classes I, IV and VII. If you choose a cheaper product and take advantage of the promotions offered by stores, you may be able to cover the costs of the layette from the “Good Start” program.

Prefer better quality products


However, if you wait with the last minute shopping or prefer better quality products, a government benefit is not enough to cover expenses. You can cover the excess costs with the help of Quick Loans available to new customers for free, call us or visit one of the Good Finance branches.

Simulation of a purchase of Credit online (Guide and tutorial).

What is credit redemption?

What is credit redemption?

Credit redemption is defined as the merging of all loans contracted into one. In the end, this results in a single monthly payment, considerably reduced, offered at a single rate. This greatly reduces the burden of burdens on the household budget. The latter can then once again stabilize its financial situation, or even invest in new projects. The online bank Uno, a subsidiary of Conccord Bank and the Millian group, specializes in consumer loans and loan redemptions. She also studies requests for mUno. You can perform an online loan consolidation simulation on Uno. This will give you an indication of your new monthly payment.

In order to simulate your credit restructuring, two options are possible:

  • go directly to the introductory page of the simulator Uno.
  • follow the steps leading to the simulator from the Uno homepage

For this second option, open the Uno site. On the home page, select ” Credits “, the second choice in the menu bar.

Excerpt from Uno official website

By clicking on ” Credits ” or on the arrow / triangle to the right of ” Credits “, you open the corresponding drop-down menu

Select ” Credit Consolidation ” or click on the link below ” Discover Credit Consolidation “. This leads you to a page explaining the benefits of buying back credits. You have to go to the bottom of the page in the section ” How to make a grouping of credits ? »Then on the link: oney redemption
You finally get to the introductory page of the simulator. If you are not a customer at, click on ” Next step ” in the ” New customer ” column. If you have an Uno account, choose the right column ” Already a customer ” and log in, either with your username or with your email address. Validate in both cases by clicking on ” I connect to the customer area “.

Beforehand, take into account all the remaining deadlines and balances due from your credits in order to be able to fill it in the form to be completed which consists of four steps: ” Your situation “, ” About you “, ” Your budget “, ” Our answer “.

In the first step entitled ” Your situation “, you must provide information on ” Your credits and expenses ” and ” Your need for additional cash “. Indicate in ” Type of credit ” – ” Specify the type of credit ” if it is a credit car, boat, real estate, personal loan, revolving credit… Choose the bank with which the credit was subscribed in the drop-down menu by clicking on ” Specify the establishment “. Fill in all the fields leaving the box ” I want this credit to be bought back “. If you do not want it, uncheck the box. You can add additional credits or withdraw the last saved credit by clicking at the bottom of the form on the link ” Add additional credit ” or ” Withdraw this credit “. Do not forget to confirm via the ” Continue ” button.In the second step ” About you “, you must fill in all the fields; these concern ” Your details ” ( your personal data ), ” Co-borrower “, ” Your current home “, ” Your family situation “.
If you have a co-borrower, indicate ” Yes ” and complete their personal information.
Do not want to receive commercial solicitations from Uno or its partners by email? Check the ” No ” boxes in ” Stay informed of our offers and news “. Click ” Continue ” to progress in the form.

The third step ” Your budget ” contains the details of your professional situation (” Your profession “). Specify, for example, whether you are a student, on fixed term, temporary, permanent contract… Register ” Your monthly income ” then click on ” Continue “.The last and fourth step ” Our answer ” validates the transmission of your form to the CFC partner, specialist in pooling credits, from Uno.

This form ( online simulator Uno ) has no contractual value since it is simply an estimate. The latter must be the subject of an in-depth study with a CFC expert. You receive an answer quickly. Know that with the simulator Uno, you can consult the progress of your file with your identifiers at any time.


How to recover money in the UK

We usually write what to do when we have debts that we cannot get out of. This time, however, we will present the opposite. So what to do if a person or company is behind us money. For example, how to recover money from an employer in the UK? Or bank account fees.

Borrowing money always involves some risk. Our debtor, due to bad will or independent circumstances, may not give them to us. It can be an employer, but also our colleague or even a family member. We also often wonder how to recover money from a pension or for keeping an account.


General rules for debt recovery

General rules for debt recovery

There are many types of debts. We can demand a refund for low-priced goods from the store or payment for a multi-million contract. The basic issue is evidence. It is on their basis that we can assert claims. If the debtor is a contractor, it is very important to draw up an appropriate contract, as well as with the client. When it comes to large amounts, it is worth investing in legal aid. In the event of dishonesty of the other party, the amount spent on a lawyer can quickly pay back. When it comes to smaller amounts, such as purchases, we always keep the transaction confirmation. Remember that in the event of a court hearing, we must prove to the judge that someone should give us the money. It will be very difficult or even impossible without a receipt or contract. Therefore, the larger the amount, the better we secure it.


What if I don’t have a receipt or contract?

money loan

In a situation where you do not have direct proof of the transaction or the conclusion of the contract, you can try a different path. You have the option of, for example, correspondence with a contractor or online store. Remember that as a consumer you are particularly protected by UK law. If the goods do not meet your expectations, most stores do not have problems returning it. However, it happens differently. In this situation, you can ask for help from Council Trading Standards. It is the office that protects your rights and assists you in the dispute with the seller. Sometimes they can even lead him on your behalf.


Check if the company is subject to good practice

home loan

In addition to legal standards, some industries have their own ethical codes. And they are also subject to them. It may therefore be that they will have to resolve the dispute with you, on terms that are more favorable to you. For example, you can count on free help or simpler rules than on a regular court path. You don’t have to worry if you feel injured as a result of internal industry regulations. They are not binding on you. You can still apply for a refund in the standard way in court.


What if you can’t recover debt amicably?

What if you can

If all efforts and attempts at agreement fail, you must go to court. If the amount of debt is less than 10 thousand pounds, the case will be conducted in a small claims procedure. That is appropriate for small claims. In this mode, you cannot count on getting your money back into legal aid. So most lawyers will not want to represent you on a no-win, no-fee basis. It means that you pay a fee only if you win. The advantage, however, is that this mode is much more accessible to a person who has little knowledge of the law. You can count on the help of court employees. They may not give you legal advice, but they can help you fill out the relevant documents. And that’s a lot. Especially when you have strong evidence.


Citizen Advice Bureau

financial loan

If you are not satisfied with the instructions on how to complete the documents and what steps to take, you can contact the Citizen Advice Bureau. They will help you with your case. However, remember that when you bring a case to court, you have to take into account court fees. You can apply for a refund if you win the case. You can apply for a fee waiver if you are on a low income or if you receive appropriate benefits. If you have funds, you can also use Polish-language legal assistance.


How to recover money from the employer in the UK?

How to recover money from the employer in the UK?

Remember that not all debts can be recovered in court. You can’t do this, for example, with gambling receivables. However, if your debtor is an employer, you have a different path. Employment Tribunal deals with this type of case. The good news is that in this case you are exempt. However, before taking any steps, it is worth considering why our debtor does not pay us or gives us the money back. If it results from his difficult financial situation, it may turn out that we will not recover the amount due. In that case, we’ll spend money and even if we win the case, we won’t get anything.


You can recover money for keeping an account

credit loan

As it turns out, large and well-known institutions can also be dishonest. For example, banks. Well, they had a very bad practice of setting up paid accounts for people who do not want or need it. Some years they paid several or a dozen pounds every month. As the Supreme Court and the FOS ruled, it was an illegal practice. These institutions forced banks to give back unlawfully collected money. If you have paid for years, you can get a good sum of it.


Common sense above all

credit loan

The best advice we can give is to do everything to avoid going to court. It is therefore wise to choose contractors or principals. Buy in trusted stores that have a good reputation on the Internet. Of course, it is not always possible to predict everything. Sometimes, someone who inspires our trust turns out to be dishonest. That’s why you should always protect yourself properly. Especially when we buy somewhere or do business with someone for the first time. An honest man is unlikely to object when we want to enter into a written contract. Let’s also remember to have other evidence of the work done. For example photos or witnesses. Always keep proof of transaction for purchases, especially for higher amounts. Because, as we have already written, you will have to prove the validity of the debt in court, and not the debtor with your innocence.

Renewal Credit Purchase

What is a consumer credit ? This term used by credit organizations includes conventional loans ( loans to carry out work, loans to finance a vehicle, loans to develop its interior … ) and renewable credits ( credits that are renewed automatically when the reserve of money borrowed is refunded as credit cards offered by the majority of department stores ). When a consumer contracts too much consumer credit, he is quickly overwhelmed by debts. How to get out?

The repurchase of revolving loans: why?

The repurchase of revolving loans: why?

As mentioned earlier, revolving credits are credits granted to consumers to finance purchases . This type of permanent credit (also called revolving credit) is most often associated with a credit card (or the loyalty card). The consumer therefore has a cash (from USD 500 to USD 5000) to finance his purchases that he can use in whole or in part . The principle of revolving credit is to permanently leave a sum of money to a consumer. In fact, since the amount borrowed has been repaid, the cash is available again.

Consequences of an accumulation of revolving credits

Consequences of an accumulation of revolving credits

Accumulating too many revolving credits can quickly make you dive into the infernal spiral of overindebtedness . Your monthly debts become, little by little, more important than your resources. Consequence: your bank account is in the red. We must react quickly before the situation escalates!

 The repurchase of revolving credits is a solute that will allow you to find a good financial balance .

The repurchase of revolving credits: how does it work?

The repurchase of revolving credits: how does it work?

Group the loans contracted with the various creditors to make one; here is the basis for the redemption of credits. Here, the credit institution (or the banking institution) offers you to take over all your revolving credits.

In theory, how does the purchase of revolving credits work? To explain how it works, we decided to list the path.

  1. The financial advisor analyzes your debt ratio (ratio between resources and debts).
  2. The financial advisor analyzes your current credits (revolving credits as conventional credits).
  3. The financial advisor prepares a balance sheet of the situation and calculates the total amount remaining due to the various revolving credit institutions.
  4. If the file is admissible, the financial advisor offers several offers to buy credits with different monthly payments and durations. The financial advisor can also offer you cash to settle your outstanding payments or finance a new project.
  5. The applicant analyzes the various offers. Tip: do not stay fixed on the amount of monthly payments. Take the time to compare to choose the most advantageous offer.
  6. The applicant accepts an offer by signing.
  7. The financial advisor has all outstanding credits. The applicant has only one credit with a single monthly payment .