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?

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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.