The collapse of credit alarms banks and instigates business activism

Companies stop asking for loans and employers prepare pronouncements

The collapse of credit alarms banks and instigates business activism

Alarm in the Spanish banking . And, chained, in the business hierarchy and in government ministers in office. The demand for credit has plummeted for several months, and this has been transmitted by the heads of the entities to the acting ministers of the economic team of Mariano Rajoy, Luis de Guindos, Economía, and Cristóbal Montoro, of the Treasury and Public Administrations . The latest closed data of the banking sector available, those of the closing of the month of July, confirm that fall in demand.

As shown in the table that accompanies this information, the volume of new credit granted by Spanish financial institutions fell by 28% compared to the same month of the previous year, when it rose by 43%. But that drift has been occurring since last March, with falls ranging between 51% and 33%.

The drop is relevant in the case of mortgages, although only since July, and still not in the consumption of families, a factor that together with tourism and exports are the basis for the latest records of the recent growth of the Spanish economy . But the most worrisome item, and one that will have the greatest impact in the future, is that of the loans of more than one million euros from the companies, concentrated above all in SMEs. The banks say that “the business demand for credit has practically disappeared”.

In September, this negative trend that began in March has been maintained, according to the leaders of several financial entities consulted this last week by this newspaper. In this observation there is unanimity. The Spanish market is led by la Caixa, chaired by Jordi Gual; the Santander, directed by Ana Botín, and the BBVA, headed by Francisco González.

Image result for doubtThe doubts appear when it comes to identifying the causes of the practical disappearance of new requests for bank financing. It should be borne in mind that in the Eurozone as a whole the trend is similar also since March, although less pronounced than in the Spanish case, and has also worsened since July.

The explanations accumulate. From the policies – the Brexit, the Spanish parliamentary blockade after the 20-D and the 26-J, the crisis of the European project and the clouds that hover over relevant countries like France, Italy, and, more recently, Germany – until the economic – weak European growth, the decline in international trade that has affected large customers of Spanish companies, especially Germany.

In the case of mortgages, whose decline began in July, some bankers point to the “superficiality of the recovery, which translates into low wages and precarious contracts, while the entry of foreign capital into the real estate sector and tourism demand they have pushed property prices up prematurely, putting them out of the reach of the majority. “

Among the economic elites this evolution has triggered all the alarms. In the first place, among banks, which due to their previous difficulties, low interest rates, high delinquency and a credit portfolio with little or no financial margin must now add the general collapse of credit demand.

In the case of business organizations, their interpretation is more political. From CEOE and Foment del Treball is attributed equally to the Spanish political paralysis and the European crisis a situation of “uncontrolled expectations, in which there are no investments, beyond those of mere maintenance”

Informed of the movements of the great parties, especially of what happened during these convulsive days in the PSOE, they have kept silence, conscious of the social rejection that the pressure of the economic groups provokes. Last Wednesday, the business leaders celebrated the movements against Pedro Sánchez, although later they had to lower expectations.

However, as it approaches October 31, which marks the parliamentary limit to elect a new government before sliding into the third elections, the CEOE and Foment del Treball leaders raise debates and even public pronouncements.

Tomorrow, the Catalan employers hold the monthly meeting of its board of directors, and its president, Joaquim Gay de Montellà, could demand an agreement to avoid new elections, pending what happens this weekend with the crisis of the Socialists, although without public announcement.

In the case of the CEOE, the great Spanish business organization, chaired by Juan Rosell, its board is convened for the next day 19. And, according to sources close to the organization, it is expected to issue a public resolution if at the time of To celebrate the meeting had not reached an agreement for the formation of a government led by the Popular Party.

Caja Rural del Sur expects to close the year with a profit between 5 and 10%, which could reach 30 million

Image result for 10% It asks the Government to “listen” to them when legislating on the sector, which aspires to occupy the quota left by the savings banks

 Caja Rural del Sur expects to close 2015 with a profit greater than between five and ten percent last year, so that the result could amount to about 30 million euros, according to the CEO of Caja Rural del Sur, Rafael López-Tarruella, who has specified that the benefit figures will depend on the outcome of the judgments on the ground clauses.

The cooperative credit institution has offered its data on September 30, 2015 during the presentation of the ‘Economic Forum CRSUR’, where the president of Caja Rural de Sur, José Luis García Palacios, has appealed to public administrations, especially the legislative administrations so that “they take us more into account when legislating and develop our way of acting taking into account the sector”, in such a way that “an ad hoc ‘normative development takes place to boost the sector”.

 

García Palacios pointed out that last year the debate on legislating on credit cooperatives and restructuring began, once the restructuring of savings banks was completed, and García Palacios recalled that “in Spain it is not very developed the cooperative world and there are not many experts in cooperative law “, so” there is concern that the Government made some rule or decree law on the sector “, so they made a request to the Minister of Economy, Luis de Guindos, who has committed to “legislate and act taking into account the sector and its needs, in addition to parliamentary groups.”

He explained that once immersed in the election year, there is “concern” in the sector about “what will happen in the immediate future”, since “the sector has been able to solve the problems that have been recorded, which in some cases have It has been blunders, but never handfuls, and if there has been any problem we have solved it among the whole sector and it has not cost money to the public treasury “.

The president of Caja Rural del Sur therefore intends, with De Guindos’ announcement of sector reform, “to express our needs and say what the importance of our actions has been, we have not cost the State one euro, we do an important social work, and also in Europe a very important part of the financial sector is formed by credit cooperatives “.

“We want to explain what our needs are, we do not ask pears to the elm tree, but remember the importance and that we are a reference wherever we are”, added García Palacios, who insists that the cooperative credit sector “first wants to understand and listen to him and then legislate. “

García Palacios has acknowledged that the credit cooperative sector “would have liked to have the influence of savings banks” and believes that “the aids are always good, although they can make you sick”.

 

The numbers

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Regarding the data, López-Tarruella has specified that Caja Rural del Sur has 30 of September 2015 a total of 355 offices in five provinces, with 435 ATMs, has 1,112 employees and 681,620 clients, of which 640,610 are individuals and 41,010 companies .

Loans and receivables totaled 4,040.3 million euros, commercial creditors totaled 4,613.7 million and off-balance-sheet resources totaled 667.7 million. In this way, the total business volume was 9,321.8 million euros as of September 2015.

López-Tarruella has specified that the ratio of non-performing loans coverage is 85 percent, while solvency is calculated at 17.59 percent, well above what was recorded by the Bank of Spain.

The CEO has indicated that by the end of this year he expects to increase credit investment by two percent compared to last year.

By provinces, the financial quota-deposits and assets-is 14.63 percent in Huelva, 6.37 percent in Cordoba, 5.23 percent in Seville, 3.93 percent in Cádiz and 0 , 29 percent in Malaga. In almost all of these provinces, they have raised market share compared to 2014.

 

The sector

<strong>The sector</strong>

López-Tarruella has also offered the data of the Caja Rural Group, which has 2,703 offices throughout Spain, with 59,000 million in assets, 4,400 million euros in own resources and which totals 9,162 employees. Rural savings banks account for five or six percent of the market share of the Spanish financial system, 12 percent of offices and seven percent of employees.

In that sense, the president of Caja Rural del Sur, José Luis García Palacios has indicated the importance of credit cooperatives in other European countries, since “the phenomenon of savings banks was exclusively Spanish.”

García Palacios, who recognizes that the crisis “has impoverished us all,” has highlighted the “strength” of credit cooperatives in the face of the crisis. Considers that “the crisis will not end while the stock of housing and land continues” and explained that in July 2006 they discovered that there were workers of the entity involved in a scam “and that was when we saw that a crisis was brewing and we apply corrective measures that have made us strong in the face of the crisis. “

He recalled that the savings banks “have disappeared as such”, so that García Palacios sees positive that in the long term they can occupy the site they have left and the market share of the old savings banks and reach 50 percent of the market share of the entire financial sector, as in other European countries.

“We have possibilities and it is possible to occupy an important place under the sun”, added García Palacios, who notes that “an unsuspected horizon opens up for us”. He recalled that in the Cooperative Group there is 15 percent of the German Cooperative Bank and the insurance company of the group that German presence amounts to 30 percent. In addition, he recalled that he has a computer society, which exports to South America and the Far East.

Also, the deputy director general and director of the Caja Rural del Sur Foundation, Guillermo Téllez, highlighted the importance of the social work and the foundation “not only in the rural world, but in urban areas as well”. He also recalled the history of the foundation, both in its training aspect and the development of the environment where it operates.

On the other hand, on the floor clauses, García Palacios has acknowledged that the entity “is reaching agreements with its clients” on this issue and in the case of unfavorable sentences “we are complying with the sentences, although we do not share them”.

Asked about the departure of Cajamar from the group of credit unions and its inclusion in the Spanish Banking Association (AEB) after founding a bank, García Palacios sees the situation as “regrettable” and believes that “the fact that it is separated is painful” , although he wishes that “he goes very well and solves his ballot”. At that point, he has rejected the phenomenon of “bancarization” as a solution to possible problems in the sector.

 

The best loans with payroll of the moment

Nowadays it is possible to get good offers of credits and loans without having to present any kind of guarantee or guarantee. If we have a stable salary, we can obtain any type of financing without problems and with the best conditions. Compare among the best deals and discover the payroll loans of the moment:

ALL YOU NEED TO KNOW:

  • Types of loans with payroll that we can get
  • Are all payrolls valid for financing?
  • Requirements to obtain loans with payroll
  • How can I get loans without a payroll?
  • Can I get payroll loans without collateral?

Types of loans with payroll that we can get

Types of loans with payroll that we can get

Having a payroll as a source of income allows us to get a large number of types of loans, since it is usually the most stable type of income, so entities are a bit more inclined to approve our request (provided, of course, , all other necessary requirements are met). These are all the options to which we can go to get a loan with payroll:

  • Quick mini-credits : these are loans that can be obtained in just a few minutes and with which we can get from 50 and up to 750 euros (if we are new customers) or up to 1,000 euros (if we are already customers). They are reimbursed in a single payment within a maximum period of 30 days and their cost is 1.1% per day. They do not have commissions or links. They are used to deal with specific incidentals.
  • Personal loans: are payroll loans for large projects. With them we can get quantities from 3,000 euros and up to 60,000 euros , according to our income. The cost of these loans with payroll is around 9 % APR , according to the latest data from the Bank of Spain. Its repayment term goes from 12 months and up to 10 years and are returned in monthly installments. They may have some formalization commissions and also linkages. We can currently get these loans online.
  • Credits to the consumption : they are the loans offered by non-financial companies like big stores to stimulate the purchase of their products. The maximum capital that we can access will be the total cost of the product , they are reimbursed in monthly installments and their cost is usually very competitive, since the objective of these companies is the sale of their goods.
  • Credit cards : these plastics allow us to access money on credit at any time. The maximum amounts of credit vary from 600 to 10,000 euros . We can reimburse them or all the money used a month at the beginning of the following month without interest or in monthly installments with an interest that is usually around 2% per month.
  • Loans with guarantee : they are credits that ask for a physical good (car, house, jewels …) as a guarantee of payment . Their conditions are similar to personal loans, only that the guarantee is a good instead of being personal.
  • Payroll Advances : these are credits that we can access if we have the payroll domiciled in an entity that offers this type of products. They allow us to access one or several times the amount of our payroll. Its cost ranges around 8% APR and its repayment term usually does not last more than 12 months.

As we can see, the options are very varied. Given so much offer it is not always easy to guess what type of loan with payroll. For this reason it is important to know the particularities of each type of financing. So, go to the one that best suits our financial needs.

Are all payrolls valid for financing?

Are all payrolls valid for financing?

No Although a payroll is usually a way to ensure that we will be able to obtain financing, the characteristics of each income will make our request or not approved. On the one hand, the amount of income we have will determine the maximum amount that we can access and the type of credit as well. Thus, if we have a salary of 1,000 euros per month, the maximum amount that we will get will always be less than if we have a salary of 2,500 euros per month, for example.

Another characteristic of our payroll is the type of contract we have and the time during which we have had this contract. A person who has a temporary contract with little seniority will have fewer options to get financing than another with permanent contracts or being government officials, which ensures that you will not be out of work in the middle of the life of the loan, and with a minimum of seniority .

Finally, another of the fundamental requirements for a payroll to be considered valid when obtaining financing is that it is duly justified and declared . Income that does not appear anywhere will never be considered valid for payroll loans.

Requirements to obtain loans with payroll

Requirements to obtain loans with payroll

Having a payroll is not the only condition we must meet to access the liquidity we seek. Depending on the type of loan with payroll we go to, these requirements may be more or less strict, although the vast majority usually ask for the following:

  • Be of legal age , although some lenders may demand that we be over 21 or 25 years old.
  • Reside in Spain permanently and have an identity document, DNI or NIE, which verifies it.
  • Have a current account of which we are owners. Sometimes this current account must be in the entity where we request the money.
  • Have an income that allows us to cope with the repayment of credit without unbalancing our monthly finances.

In addition, if we go to personal loans with large payroll , they can ask us to comply with additional requirements such as domicile the payroll in the entity, hire a credit card and use a minimum, contract certain linked products such as insurance or sign the contract before a notary.

How I can get loans without NO mine

How I can get loans without NO mine

Not having a payroll as a source of income is no longer a problem to access the liquidity we seek. However, even if a payroll is not necessary, we must have another source of income that allows us to reimburse the money that we request to be able to obtain loans without payroll . For lenders to consider valid alternative income to the payroll must meet three essential conditions:

  • To be sufficient : they must allow us to face the payment of the monthly payments of the loans and our other habitual expenses without problems. The amount considered sufficient will depend on each lender and the type of credit that we request. Thus, enough income to repay a mini-loan will not be as high as the compensation considered sufficient to repay large personal loans
  • Be regular : we must perceive them on a monthly basis and for a minimum of time that guarantees that in the future we will also enjoy income that will allow us to face the reimbursement . Like the first condition, the regularity and the minimum time during which we must perceive it will vary according to the characteristics of the credit we go to.
  • Be justifiable: it is essential to present an official document indicating the amount and periodicity with which we receive such compensation as the pension or the VAT declaration in the case of the self-employed.

Provided these three conditions are met there will be no problem in accessing the loans we want. Likewise, depending on the parameters of these conditions, the type of credit that we can access will vary. Among the remunerations that do not come from a salary and that are considered valid, we find the income of the self-employed, the pensioners or, sometimes, the people who receive an unemployment benefit.

Can I get payroll loans without collateral?

Can I get payroll loans without collateral?

Yes. Many loans do not require presenting an endorsement or guarantee to access them. It is about personal loans where the responsibility for payment does not fall on a third party but on ourselves. The “guarantee” of these loans is our payroll , that is, we must have an income that is regular, long-term, justifiable and sufficient to meet the repayment of the loans without unbalancing our economy and preventing us from continue to meet all of our financial obligations such as paying rent or supplies, for example.

Among the types of loans without endorsement of the market we find quick mini-loans and urgent loans , which will allow us to get small amounts of money in just a few minutes, consumer loans for the purchase of goods and services offered by non-financial entities as large warehouses or traditional personal loans granted by banks and credit institutions , which will grant us sufficient amounts to carry out large projects such as the purchase of a car or the payment of higher education.

 

Volvo Car Leasing Versus Purchasing

Car leasing is an excellent alternative to purchasing a vehicle. A person leases the vehicle for your own individual or business use for the fixed or indefinite time period. When the period of lease will be ended, you give it back again. The cost of car leasing is generally less than the cost of a car loan, there is no need to worry about the vehicle depreciating within value, and once the rent term is over you can take away another lease on the newest model. In short, it is an economical way of keeping the car you need on the road.

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Until the balance your debt is paid off, the lender will host the automobile’s title. As soon as all the payments are made, the particular automobile’s title is delivered to you and you finally bought it. The alternative is leasing the auto. The leasing process begins with the filling out of a credit score application. The dealer after that searches for a lease with various employee leasing cost. Terms and conditions vary from renting company to leasing business.

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Car rental agreements often vary from business to business. But there are some plans that many of the companies have to offer based on laws like personal results coverage and personal accident insurance plan.

Living After Bankruptcy – Obtaining A Bad Credit Car Loan

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Don’t forget to test drive. Also, ask your auto technician to take a look at it. If you buy a car, get car insurance because it is illegal to drive with no it.

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The Fair Debt Collection Methods Act

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If are applying for a payday loan settlement loan from a bank or credit union, they will run your report produce a decision, causing an inquiry being listed on this credit booklet. If you an excellent existing distinct credit and draw on it, having also trigger an inquest.

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The evident and useful option for coping with debt collectors is actually to pay out the debt. You took obligation for the debt, and you are obligated to repay it to the creditor to pay for it. Requesting they prevent calling you doesn’t indicate you don’t have to deal with it anymore.

As per the Fair credit and collection news Act, there are certain norms which he needs to follow before making contact. No calls just before 8 am or right after 9 pm or on an if the collector is aware the employer does not approve away such requests during the functioning hours. The debt collector cannot use any unfair indicates or harass the client.

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But knowing how to make debt collectors stop wanting to collect your financial troubles is only part of the equation. In fact GETTING them to want to quit contacting you is another thing entirely. For that, I give you component 2 of this article: How to Make Selection Agents Hate Collecting a person.

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People who find they are under pressure to pay for back a large number of credit cards frequently feel there is no way out besides bankruptcy. That is not always the situation. Credit cards often have high rates of interest, and many companies will increase them when just one or two obligations are made late. However, that will not mean that things are impossible. Debt relief counseling can help someone determine what they need to do to get a decrease interest rate and pay off their particular debt, and also helps these to avoid problems in the future.

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A debt consolidation loan will be something to attempt at an earlier stage in your debt troubles before things get totally out of hand. While your credit score remains relatively good you remain a chance of getting one in a reasonable rate of interest. When issues have gone beyond that will stage your only choice is to turn to a credit counseling reviews service and get them to discuss with your creditors for you.

Make sure monthly a person pay off of your credit cards whenever they are thanks, and most importantly, 100 % whenever possible. Until you spend them entirely each month, you can expect to end up the need to have got pay finance fees across the past due to stability, that will get you a very long time to pay off the particular credit cards.

A bankruptcy should be submitted only as your only alternative. Some of the avenues you can think about are consumer credit counseling. They will perform a function similar to the personal bankruptcy court, which is a debt administration plan. You pay all of them and they disburse the money for your creditors for you. You may want to get in touch with your creditors on your own and many periods they will work out some type of payback arrangement which may fit your finances. If you can pick up another work you may be able to earn sufficient income to help pay your finances and keep them from dropping behind. If you can negotiate decrease rates of interest on your credit card financial obligations, this will enable you to get them paid back faster.

Best Kept Strategy Secrets – Just What Every Aspiring Businessperson Must Know

When you’re ready to start working, you should find a financial institution that will allow you to wide open a business account. Exactly like you would for your individual finances, start a cost savings and belzebuth loans checking account. Utilize the checking account for expenses and purchases. Typically the savings account is a report of your revenue.

First, make a rough draft of any business plan. Most expression processors like Ms. Word, and Start Office Writer, a source program, provide free business plan templates. If you fail to find a template which suited to your needs, simply do a Google search intended for ‘free business plan design templates. ‘ Don’t concern yourself with not knowing what business design you are going to pursue today. The part of the business prepare that you want to focus on at this time is assessing your current skills, weaknesses together with available start up funds.

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Help: Does the company consider support and coaching seriously? The vast majority of fresh distributors or associates will probably need to learn certain skills, knowledge plus attitudes to enable them to obtain a certain level of accomplishment. Is there a step by simply how to write a business plan step by step to follow? The majority of people beginning their home based small business are not experienced web marketers and need guidance.

Small businesses expertise and activities will obviously get play as you focus on your complete strategy. For now, let’s obtain underway and begin to see the following list of crucial business decisions.

The second problem is wherever do you start? Suppose it’s now 1 and you are sitting at the desk, full of energy together with excitement at the eyesight of your goal. What should you do first? Research vendors? Incorporate? Reserve appropriate? Start business plan definition? Exploration the competition? Where do you really start and what would you do next?

Always keep in mind what a possible client has to go through just before employing you. They uninnocence loans must research your competitors. They want to reason in order to believe in you. And they have to discover value in the alternatives you provide. They are going to possibly want hebrews loans to talk to others that have employed you. To you, the possibility may seem overly careful, however, they have a valid reason for doing this. In case they haven’t carried out enough yachtswoman loans homework, addressing these types of bases with these may create a more robust relationship in the end.