Month: March 2020

Social Institute postgraduate scholarships: who they are for

The academic courses foresee costs that put a strain on the family menage, especially when it comes to masters and doctorates. However, the children of public employees and pensioners can use the Social Institute scholarships, which cover the costs associated with post-university and professional training.

The service is provided by Social Institute Public Employee Management and is carried out through competitions. The resources provided to the winners are intended to meet, even if not in full, the costs relating to the academic year (or more generally school).

In fact, both children and orphans of public employees and pensioners who attend schools and those involved in the university sector benefit from this opportunity. The admitted workers or pensioners belong to the Public Employee Management and the Master’s Management.

To obtain the Social Institute postgraduate scholarships, the candidate must participate in the tenders announced by the Social Security Institute. These are published in the “Welfare Initiatives” section of the Social Institute portal.

The request must be submitted online by the parent or guardian, if the child is a minor, otherwise the student will take care of the application. The user must have the Social Institute Pin and access the ” Online Services ” section. From here it is necessary to click the link “Services for the citizen” and then “Services ex Government Agency”. Among the services, the “Scholarships” item must be selected.

Government Agency postgraduate scholarships: the selection of candidates

What are the criteria for evaluating applications? The factors relevant to the selection are numerous and indicated in detail in the call. In general, however, we can note that the skimming is based on the student’s academic performance, but the Isee indicator also has an impact. The condition that guarantees the greatest chance of obtaining the loan provides for an excellent return and a low Isee.

If the student is an orphan or disabled person, he or she can count on special treatment, but this only affects scholarships related to the first and second cycle of education.

Another category for which concessions are provided, is made up of university and post-university students away from home (the residence cannot coincide with the region where the university course is located).

Those who have already obtained other Social Institute facilities, from the State or from other institutions, whose value is greater than half the size of the scholarship, cannot apply for Social Institute scholarships.

The thought of having your own property in old age for which you no longer have to pay rent or credit is common to many people. But implementing a property purchase is not always easy. Sometimes it fails because of the lack of equity, sometimes entries in the Credit Bureau make it seem impossible to obtain a loan. Buying a house despite Credit Bureau – is that actually possible? As a credit intermediary, Infra Bank is very interested in fulfilling this wish. Thanks to our extensive network of partner banks, there is a good chance that we will be able to receive construction finance despite Credit Bureau. It’s also very easy to do online.

Free credit request With a net loan of $ 4,000 and a loan of 72 months, 2/3 of the new customers receive in advance. an eff. Interest rate pa of 7.9% or less (born debit rate 6.45% pa) Important: In your own interest, please do not make any further credit inquiries, as multiple inquiries (also from other providers) can lead to irritation and the blocking periods can be imposed by the banks in question.

Buy house Credit Bureau at Infra Bank

Home finance plays an important role when planning your own property. For a first overview, you can use a mortgage calculator. Also indicate here if you have a home savings contract. This is often regarded as collateral if you want to take out a real estate loan. Maybe you have already bought the house and your follow-up financing is due. A suitable installment loan is helpful here. This allows you to get a replacement faster and benefit. But it is not just debt restructuring or debt relief that has advantages for you. A comparison via Infra Bank helps you to find suitable financing to be able to buy a house despite Credit Bureau. Building finance with a Credit Bureau that receives less positive information is difficult to implement. However, it is not impossible. Thanks to our extensive network of partner banks, we can provide you with fair conditions. This also applies if you want to buy a house despite Credit Bureau.

So you benefit from buying a house without Credit Bureau from Infra Bank

Infra Bank can help you get construction finance without Credit Bureau. We have years of experience in finding the right financing. Our financing advisors are also happy to answer any questions you may have. Buying a house without Credit Bureau can be a real challenge. However, this does not mean that it is not possible. Good advice and a selection of fair loan offers is the most important basis.

There are various reasons for a Credit Bureau that has multiple entries. Personal bankruptcy is one of the causes, an overdrafting current account or unpaid installments is another. At Infra Bank you submit your loan application with the desired amount and have no upfront costs. You don’t have to make a credit decision directly. After your loan application, we first check what a loan contract could look like for you. This is the basis for your real estate financing.

With Infra Bank you benefit above all from a very fast processing. Sometimes it also has to be quick when buying or building a property. We can choose from different lenders and thus provide you with different offers for your building finance without Credit Bureau.

When will the amount for the house purchase be paid out despite Credit Bureau?

Would you like to become a property buyer and have made a financing request? Using the loan calculator, have you already calculated what your monthly installment may look like and what it looks like with a fixed interest rate and a special repayment? Can a modernization loan also be interesting for you? With Infra Bank you have the opportunity to get a loan quickly and easily. To do this, you submit your loan application to us online. We check whether all relevant information is available. If something is still missing, we will let you know immediately.

After the first offers for a possible loan contract for real estate financing have been received, we will send them to you. You can now see whether the conditions are suitable for you. Check the general conditions for the annuity loan. What is the monthly rate? When is the loan paid off? Will it be cheaper if the spouse is included? If you have decided, a legitimation is necessary. You can do this at Infra Bank via VideoIdent. This makes it even faster and your loan amount can be transferred within a very short time after successful execution.

What exactly does buying a house mean despite Credit Bureau?

Lenders usually secure themselves through an examination at Credit Bureau to ensure that the applicant is also solvent. Entries in the Credit Bureau have a bad effect on your score. These applications are not always in debt. However, it can of course happen that you have not had such good times in the past and your score is no longer optimal in this way. Above a certain score, banks often refuse the loans or require other collateral, such as a high mortgage value of the property, a second borrower for home financing or other information in the self-disclosure that you have collateral.

If you know that your Credit Bureau entry is not optimal, you can also buy a house in spite of Credit Bureau, although this variant also checks the Credit Bureau, but negative entries do not necessarily have an effect on a loan approval. We at Infra Bank have such a large network of possible financing partners that a provider can often be found here despite Credit Bureau.

Important to know: Despite the Credit Bureau, the interest that your mortgage calculator has spent on a real estate loan can no longer match. For additional protection, lenders often increase interest rates on lending. An affidavit may also be required of you.

What do my offers look like?

If you want to buy a house as a borrower despite Credit Bureau, you must be well informed. The offers made available to you by Infra Bank are based on the price regulation . This ensures that you are informed about all costs. This applies to the APR as well as to other borrowing costs. The basis is a transparent breakdown.

Check your offers for a real estate loan for the loan amount, the building interest and the fixed interest rate. Check whether there are any preliminary costs, a borrowing rate fix or a special repayment is noted. Infra Bank will also be happy to advise you on finding the right offer for you.

Submit your home loan application online despite Credit Bureau

With Infra Bank you have the opportunity to quickly apply for real estate financing without Credit Bureau online. To do this, do the following:

Step 1: Indicate that you want to use real estate financing despite Credit Bureau.
Step 2 : Enter your desired loan amount and leave your data and information about the self-disclosure.
Step 3 : leave your account details.

As soon as your application has been received, you will receive information from Infra Bank as a live ticker for your request.

Real estate financing despite Credit Bureau from Infra Bank

With real estate financing despite Credit Bureau from Infra Bank, you have the opportunity to buy a house even if your score at Credit Bureau is not optimal. In most cases, Infra Bank will find the right financing for you as a credit broker. You have the opportunity to make comparisons and find the optimal conditions for you.

If you have any questions about the financing of your dream property, you can also contact Infra Bank. Our advisors are at your side.

Does buying a house work despite Credit Bureau?

Buying a house despite Credit Bureau is actually not that easy. Problems with inquiries from regular banks can certainly arise here. The requirements for lending are strict and rejection of an application is not uncommon. However, some banks give loans even if your Credit Bureau is not optimal. In this case, the conditions are adjusted so that the bank can increase its security. How high the interest is depends on your net loan amount and on your information on self-disclosure.

With Infra Bank you can first make your application free of charge and without obligation and then take a look at the offers in peace.

Secure payment, virtual payment card, virtual credit card “Safety first” is a well-known saying. This golden rule applies to all aspects of our daily lives, including the internet. If you consider that six in ten people are already shopping online, then you understand that online safety is crucial. Protection ensures that our data is secure, so you have less chance of fraud. This security also partly explains the rise of the virtual credit card, but how does this card work?

 

1. What is a virtual credit card?

With a virtual bank card you can pay securely online. As the name suggests, the transactions are completely virtual. The virtual credit card compliments your current payment card. An amount is transferred from your credit card to a temporary digital credit card.

The virtual credit card works exactly the same as a normal credit card and therefore shares the same characteristics:

• There is a safety code (CVC)
• Cardholder’s Name
• Expiration date
• Card number

In the case of a virtual credit card you obviously have no real front or back, since it is only a digital product.

The big difference with the traditional credit card is that you receive a credit card number, expiration date and a security code for every purchase with the virtual credit card. The system is simple. You receive the virtual data from your bank, or from an application or website that provides you with new card details with every visit.

 

2. What benefits can you enjoy?

The virtual credit card number that you receive replaces the number of your physical card so that the seller does not see this. This makes the transaction protected against hackers, because the virtual card exists only temporarily and your real card is not part of the transaction.

The big disadvantage is that the virtual credit card is only valid for a specific transaction and amount. This means that you must enter the correct amount for the virtual credit card for each purchase.

If you use this system, you can shop online more securely. It becomes practically impossible to become a victim of fraud. Prevention is better than cure and it is therefore always good to be protected as well as possible. Use our comparison tool to find the best credit card with these and other benefits.