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Your application for a loan has been denied? You have just paid off 1 commitment, and you already require additional money? We checked when you have to wait a long time to be able to re-apply for monetary support.

What if you can try to get a loan

What if you can try to get a loan

If the local loan conclusion met with refusal, the following opportunity to submit another inquiry is dependent on the reasons why we did not get the money. We applied for an adjacent commitment, although we rarely gave it back to the previous one? Only the payment regulation opens a helpful way for further loans. In legally operating loan agencies, it is not acceptable to have three or more loans open at the time proposed by us. Do we figure on the big registers as a trasat? We have to pay off the debt, so as to disappear from the infamous record, and only then we can make an application. The case with a critical credit history is identical to the Credit Information Office. We are for low credit predisposition? Let’s try a new loan company or apply for a lower amount. The local application was rejected by the reason for the erroneous data? Let’s fill it in once again, paying attention to the correct entering of information. As you can see, the total depends on our individual situation. Only in Cashmo, Eicredit and Gettacash is there a clearly defined deadline, according to which we can make a further application. You have to wait 30 days in the position of new clients, while regular clerks whose applications have been rejected may submit a new form the very next day from the decision.

Another loan from the same company

Another loan from the same company

If we want to borrow after the second or the next method of loan, we must have a well-regulated previous payment and also complete any formal matters that are incumbent upon us when returned to the lender. However, in the dominant number of enterprises there is no strictly agreed time limit which should pass between one and the other. It means that we have an immediate opportunity to fight for another loan after accepting the repayment of the previous commitment. The situation of the customers of Express Case, Ofin or Ferratum Bank looks a bit different – they should wait 24 hours from the repayment of the previous payday loan. Eicredit and Gettacash put similar conditions. hypocredit approaches this issue in a more restrictive way, where we can apply for a larger amount after the sixth day of the previous loan.

A Good Financing Option for People http://www.onohino.com/a-good-financing-option-for-people/ Sun, 24 Mar 2019 14:11:46 +0000 http://www.onohino.com/a-good-financing-option-for-people/ Read More »]]>


What is financing for people? Let’s find out? Today’s technology brings new energy to the old ways of borrowing on a fully digital level, especially the availability of peer-to-peer loans to all people who have access to the computer network, even with a cell phone. For centuries, we have been borrowing the traditional banking system formalized in person and filled with paperwork in the transactions, but now everything has changed.

What is funding for people and between people


What is funding for people and between people


Today the lending community, private groups, immigrant populations, ethnic communities and commercial groups have long operated their own lending networks among members.

The peer-to-peer loan has found a middle ground and uses the technologies of today to bring the philosophy of finance to people and between people similar to these groups mentioned in the first line of the paragraph. But everything done over the internet.

How Financing Works for People

How Financing Works for People

Financing for people and between people, also known as collective loan, is quite simple, although the details may vary slightly between the different platforms that offer this service. A potential borrower prepares a request for what he needs and why. Your credit history, your income and other relevant information are subject to the intermediary platform and facilitator of the financing, to be clearer, is the provider that acts as an intermediary for future borrowers and investors lenders to process the financial transaction.

The loan application is posted on the website (online platform) or an online Android or iOS application, along with the data necessary for lenders within the platform to make a decision. Potential lenders navigate through loan applications (peer to peer loan) and choose to take out the loan or not. There is a process similar to a bidding process, in which lenders offer their money to lend at a specific interest rate.

A single lender (investor) need not invest their money in a single loan. The normal thing is that the platforms will allow a lender to provide only a fraction of the loan requested, so the entire loan amount is split so that several lenders invest in it.

What is the term of the peer to peer financing

These people loans are usually short term or very short term loans, with some providers setting a limit of up to 12 months, some up to 36 months for repayment, but of course each platform has its own guidelines.

The provider (P2P platform) earns a fee to process the transactions and other tasks involved in running the system, the lenders (investors) earn interest on the money they lent, and the borrower gets the loan that he can not get in other channels.

People’s interest rates are slightly cheaper than traditional loans for some borrowers with a good credit profile, but for those with a name restriction (with a dirty name) there is no impediment in getting the desired credit, but the rates are not as salty as in the usual financials.

Interpersonal Loans Back in People’s Hands

We all know that traditional lenders are absolutely impersonal, running strictly numeric commands. In the non-peer-to-peer loan , it allows a borrower to submit a more personal request, and lenders can make their decisions based on the details that this borrower reported.

In this case the lenders have the ability to spread the risk, and this may mean that they are willing to give a chance to lend the amount where other types of lenders have not lent. In addition, traditional lenders generally do not deal with smaller amounts or at least not on the terms and conditions that P2P offers for its borrowers.

Peer to peer for micro, small business and entrepreneurs

Peer-to-peer financing is a great opportunity for people to overcome the limitations of the standard options available in the banking sector, fortunately the alternative has attracted considerably many stakeholders in ways of doing business that do not depend on large financial institutions, especially micro, and entrepreneurs.

The P2P lending loan financing seems to be a growing phenomenon, and for good reason. The modality is the mix of the best old money lending practices with today’s most advanced technology (blockchain) to create financing opportunities between individuals and companies as well. And everything under intelligent control of digital tools.


Fast Loan without Payroll. http://www.onohino.com/fast-loan-without-payroll/ Mon, 11 Mar 2019 02:14:21 +0000 http://www.onohino.com/fast-loan-without-payroll/ Read More »]]>


Quick loan without payroll

Quick loan without payroll

This month has come up with that unforeseen thing that you did not count on, the electricity bill has skyrocketed and your account has been in the red for days. Do not wait any longer to get fast money without payroll.


Quick money with ASNEF and without payroll

Quick money with ASNEF and without payroll

If you do not find a way to get that much-needed money and banks do not ignore that protocol because they are not interested in lending money without guarantees , you should know that there are alternative ways to get fast financing online without a payroll .

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What is a payroll?

What is a payroll?


A payroll is the amount of money a user receives on a regular basis for their activity performed in an organization and / or institution, both public and private. In addition, it is one of the main guarantees requested by a bank when granting a loan.

If you do not meet the requirements of large banks you can always look for an alternative outside the traditional.


Quick money without payroll or endorsement

Quick money without payroll or endorsement

Do not worry and forget about the 1,000 documents that you have to carry around every time you go to the bank. If you are looking for a job but still do not enter a fixed payroll , you can choose an easy and reliable option comparing loans in search engines such as Bank . Once you know which is the one that best suits your needs, you will only have to click on the offer and wait.


The Best Loan for Emergencies http://www.onohino.com/the-best-loan-for-emergencies/ Sun, 24 Feb 2019 03:11:46 +0000 http://www.onohino.com/the-best-loan-for-emergencies/ Read More »]]>

We fully understand that it is not everyone who can afford to put hundreds of dollars aside every month for an emergency saving. And we also understand well if you don’t feel you have enough in the account to cover the huge dental bill you just didn’t expect this month. Despite the fact that we all ought to be better at saving, it is in fact the very few Danes who have a real emergency saving for critical situations. If you are one of them, here we will take a look at what you can do.


Emergency loan

Emergency loan

If you are in a situation where you need a small amount, the cheapest and best thing you can do is borrow through your family if possible. Keep in mind that mixing economy with family and friends can quickly become a mess, so if you choose to borrow through one of your loved ones, we strongly recommend that you make sure you can repay the amount within a reasonable period of time. Of course, before you borrow money through your family, it is also a good idea to consider their situation – if you feel they may not have the greatest freedom in their finances, it might be a stupid idea to ask when you run the risk that they themselves sit in difficult economic situations because they feel they are obliged to help you.


Borrow money to your family

Borrow money to your family

If you therefore do not have the opportunity to borrow via the family but are in need of money now and then, you can advantageously take a look at the web – here you will find both the ordinary regular loans but also SMS loans mobile loans where it is possible to borrow one smaller amounts for a smaller period. These SMS loans differ from ordinary internet loans, as it is usually not possible to borrow the largest loan amounts – in fact, it is not abnormal if you are not granted a loan of more than DKK 10,000. The relatively low loan amount is due to two things:

– A sms loan is a quick loan, where rarely are the big demands placed on you as a borrower. This means that in the vast majority of cases you will have the opportunity to borrow a loan without having to provide security for the loan or put your property on a mortgage. Since you do not have to document the loan, it is usually not possible to borrow more than 10,000 kr.
– If you take out a SMS loan, you must expect that you will have to pay the amount relatively quickly. As a rule, the maturity of a SMS loan is around 4-6 weeks, and it is very important that you comply with your loan agreement to avoid financial problems.

If you need to borrow a larger amount, there are of course plenty of opportunities to borrow on the web – you should therefore always make yourself the service of carefully examining the loan market to ensure that you have found the cheapest loan for you.


Binding Offer in Mortgage Loan http://www.onohino.com/binding-offer-in-mortgage-loan/ Mon, 21 Jan 2019 02:43:43 +0000 http://www.onohino.com/binding-offer-in-mortgage-loan/ Read More »]]>


The binding mortgage loan offer is nothing more than a simple document in which the clauses on which the mortgage loan we have applied for is based. This document may be requested free of charge to the Financial Entity with which we contract the binding mortgage loan offer .

On July 29, 2012, the resolution was issued regarding the compulsory nature of the mortgage loan offer, in which the delivery of this was no longer essential, which does not imply that today customers can request it.

This document is regulated in Order EHA / 2899/2011 , which shows the mandatory delivery of the binding offer for all mortgage loan payments, including those below 150,253, 03 euros. The binding mortgage loan regulation can be found in detail in the Official State Gazette (BOE).




  1. First of all, we should know the connection that exists between the value of the home and the amount of the loan.
  2. Secondly, it is necessary to know the number of fixed installments in which we can return the loan and what the amount will be.
  3. Third, how much money can the entity grant us?
  4. How much is our property worth?
  5. Decide if the interest rate will be fixed or variable.
  6. Another factor to take into account when requesting a binding offer will be the opening, amortization, cancellation, etc. commissions.
  7. Finally, it is worth mentioning other types of expenses such as taxes, taxes, etc.




Well the answer is yes. Since the bank, the Personal Information Card, is the one in which the client can obtain all the data of his mortgage loan loan, as well as the binding offer , as we have explained previously.

To get the binding offer or bank, you have to follow a series of steps:

1.- We must request an informative document about our mortgage loan, also called FIPRE . This term should not be confused with the aforementioned bank, since it is the step prior to obtaining the binding offer .

2.- In the second place, the bank mortgage loan or binding offer is delivered, which is the document that contains the clauses of the mortgage loan.

3.- Finally, and not least, the contract and mortgage loan clauses will be delivered. At this time, once signed by the bank and the client, the binding offer has no value.

As indicated by the Bank of Spain on its website, the difference between bank and FRIPER is:


“When we request information about a product in an entity, it will give us the Pre-contractual Information Card or FIPRE:

  • With clear and sufficient information of the product that offers.
  • Of an orientative nature.
  • Available in all marketing channels of the entity.

If we are interested in your offer, and once we have informed you of our needs, preferences and financial situation, you will give us the Personal Information Card or bank

  • With personalized information to our demand
  • So that it can be used to compare
  • Before we have linked through any contract or offer “


On the other hand, we want to stress the importance of the binding offer mortgage loan floor clause . The binding offer must be delivered 10 days before the signing of the mortgage loan contract, otherwise the land clause would not be effective and the client would not know of its existence.




The binding mortgage loan subrogation offer can be attached, since the bank has 15 calendar days before formalizing the subrogation of the mortgage loan with the client, so that the binding offer can be improved or maintained under the same conditions.




Currently, the binding offer plays a prominent role in the payment of mortgage loan transactions between banks and customers. This role is due to the fact that, if the clients did not have binding offers , they could not have knowledge of the conditions signed and agreed upon in said mortgage loan. In an article published by El Economista , this importance is reflected with the following quote:


“During these days of uncertainty, pending what the Supreme decides next November 5, Bankinter has not observed changes in the demand for mortgage loans. Until the situation is clarified, the bank is assuming the payment of the tax, although it is negotiating terms with customers who still did not have binding offers. “


We conclude by saying that in the world of mortgage loans … “everything that glitters is not gold”, and in this article we have discovered the importance of the binding offer in our mortgage loans. Thanks to them you can know all the clauses offered by the bank to apply for your mortgage loan loan .