What is a Credit travel simulation?

We all want to leave our comfort zone to go on an adventure and discover other cultures, other countries. In addition, it sometimes happens that employees take a sabbatical year to travel the world. Indeed, the law indicates that an employee can request up to a year of leave without pay.

This leave request is subject to a collective agreement and the company also reserves the right to refuse it. However, if she accepts, it is a suspension of the contract, so you will find the same position when you return.

Thus, starting a year can be risky, it is worth planning a solid enough cash to finance your trip and the cost of living during your stay. A loan can facilitate your financing because you will reimburse the cost of your trip through different monthly payments.

HOW TO SIMULATE A TRAVEL READY?

HOW TO SIMULATE A TRAVEL READY?

Do you want to travel, but don’t have enough money? Think of the travel credit to organize it without waiting. The reimbursement will be smoothed over a period ranging from 2 years to 6 years, which will allow you to maintain your purchasing power with controlled monthly payments.

With the travel credit simulator from Good Credit, you can accurately estimate the monthly payments that you will have to pay each month if you want to take out a loan to finance your stay. Before embarking on this process, remember to estimate the cost of your trip (flights, journeys, accommodation, visits, cost of living, etc.).

Then, you could quite easily calculate the amount of credit you want, by subtracting from the cost of your trip your personal contribution. Thus, the remaining amount will correspond to the amount of your credit request which will make it possible to complete the financing of your trip.

HOW DOES OUR SIMULATOR WORK?

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The travel loan simulator offered by Good Credit works like a loan calculator, but much more efficiently. In fact, you just need to enter the amount you want to borrow and the duration of the repayment, and click on “simulate this loan”.

After this step, you have all the information necessary to assess your credit: the monthly payments that you will have to repay, the APR (Annual Effective Annual Rate) and the total cost of your credit.

The simulation of your travel loan will give you all the keys to make your decision. You can also study all the solutions to find out how to finance your trip and make the best choice.

You can compare the different rates offered according to the duration, indeed it can be different and you can have a lower APR (Annual Effective Annual Rate) in some cases. Do not forget the monthly cost of the monthly repayment of your travel credit.

QUICKLY GET THE FUNDS FOR YOUR TRAVEL LOAN

QUICKLY GET THE FUNDS FOR YOUR TRAVEL LOAN

In compliance with the legal withdrawal period. In order for your file to be analyzed by the Good Credit team, all you have to do is follow all the instructions indicated on it. Firstly, you must be aware of the various provisions of this contract, then you can complete this file with the information requested.

As indicated on the file, you must attach supporting documents, the full list of which can be found in the credit file. Usually, you will need to provide a photocopy of your front/back identity card, your last salary slip, bank details as well as your last bank account statement.

These elements allow you to quickly analyze your file, which means that if it is finally accepted, you can receive the funds in record time on your bank account. So you can start thinking about planning your trip without waiting!

Swiss credit is the most common loan to apply with.

There may be many reasons why consumers in Germany do not want to apply for a loan. This can be negative credit bureau information, because without a good credit rating there would be no loan approval anyway. In principle, however, all loans taken out at German banks are reported to credit bureau.

There are quite a few people who disagree with it. Anyone who is entitled to credit bureau information can see this information. The only way to avoid this is to take out a loan from abroad.

Financial service providers broker loans from our neighboring countries

Financial service providers broker loans from our neighboring countries

Swiss credit is the most common. It is not dependent on the credit bureau entries, because these are not queried at all. Any employee residing in Germany and at least 18 years old can apply for this loan through financial service providers. The interest rate is a little higher than at the banks in Germany, but it’s still worth it if you don’t want credit bureau to know about it.

When a loan has to be paid off

When a loan has to be paid off

The loan from abroad is also often used by bank customers who already have to pay off a loan in Germany. Another loan request will rarely be successful unless it is soon paid off. Then you can ask the bank about an increase. However, if this is not the case, you should consider a loan from abroad. The fast loan is the best when it comes to quickness in processing.

Nobody learns about this here in Germany. It is therefore not only suitable for people with poor creditworthiness, but also for those who do not want to disclose their financial transactions to credit bureau. For many, this is going too far, but you can only protect yourself in Germany if you apply for a loan abroad.

A solution to finance your move: the move credit

Everyone has already known these moments: descending a washing machine on stairs that are too narrow, loading a refrigerator in an overfilled truck, or even taping cartons by the dozen. Moving is a must in your life, a risk of mobility and a must in the evolution of your professional and personal life.

However, this moment is often seen as a thankless task, and many fear it! We tell you everything you need to know about the preparation and cost of a quick and efficient move, but also about a form of credit that will no doubt give you a smile as you approach your relocation project: the loan move!

How does a move take place?

How does a move take place?

During a move entrusted to professionals, the first step is to prepare before giving the movers time to make a reconnaissance visit which allows them to gauge the means that will be put in place during the move.

Then, for the move to be successful, you must not forget to provide yourself with boxes to efficiently store your belongings. You should also plan a consistent date to avoid overly busy periods. Finally, in the case of a move without professionals, it is necessary to think of the rental solutions for trucks and vans.

What steps should you take to prepare for your move?

For a move to go well, it is important to take a few steps to finalize your change of domicile:

  • three months before the move, the owner or the trustee must be informed of the departure date;
  • you must also make a request to CAF to possibly receive the moving allowance;
  • if children are in school, contact new establishments to facilitate transfers;
  • just before the move, you must change your address on your personal documents: bank account, insurance, telephone operator, Internet operator;
  • you must also request redirection of your mail to the post;
  • after the move, the prefecture must be informed of the change of address within one month, in order to change the vehicle registration card.

You should know that changing your address on the national identity card, passport or driving license is optional. Do not forget to register on the electoral list of the new city!

What are the advantages of using moving professionals?

What are the advantages of using moving professionals?

Managing your move alone can quickly become a headache: organizing transport and storage solutions, and finding friends to help can quickly become difficult. Moving companies take care of almost everything! Of course, there are several formulas to accommodate all types of scholarships.

Professionals often provide cardboard and bubble wrap so that individuals can take care of the packaging of certain personal effects in advance. To find out which type of service best corresponds to a move, it is advisable to request several quotes from different moving companies.

It should be known in general that for the removal of a T3, one can count between 1200 and 1600 dollars TTC, and for a T2, it is necessary to count an average budget of 800 to 900 dollars TTC. Be careful, there are companies with dubious morals that try to scam customers.

It is therefore advisable to check that the company you are going to choose is registered with the chamber of commerce. Finally, it is possible to request a copy of the move which proves that the personal effects are in the hands of a professional. This can be useful in cases where insurance must be used.

A solution to finance your move: the move credit

A solution to finance your move: the move credit

The calculation of the budget for a move depends on many variables:

  • the square meters of accommodation;
  • the distance to travel to the new home;
  • the value and price of furniture;
  • the ease of access to the two apartments.

The amounts can quickly amount to thousands of dollars, especially in the case of turnkey formulas, where the mover takes care of everything. The solution to afford these services is to use a moving loan. Once the needs are clearly defined and a budget is established, it is possible to make a simulation of moving credit without commitment.

Moving loan: what type of loan should you choose?

Moving loan: what type of loan should you choose?

When it comes to moving loans, you have two main options: assigned credit and personal loans, both of which are consumer loans.

The rates for a personal loan are, in most cases, certainly significantly higher than those for an affected loan. Why? Because the bank does not know what the money will be used for. So she takes more risks. But unlike the allocated credit, which is devoted to a particular type of expenditure, the personal loan does not require proof of use.

You can use the amount borrowed both for the move itself and for any work to be done in your old and / or new home, or for the purchase of new furniture. Which is not uncommon when you change houses!