What is the loan? Is it a cash loan? Is it a mortgage for buying an apartment or a house? After all, there may be a consolidation loan to consolidate bank loans and loans, but you can also look for a loan […]
What is the loan? Is it a cash loan? Is it a mortgage for buying an apartment or a house? After all, there may be a consolidation loan to consolidate bank loans and loans, but you can also look for a loan to buy a car.
Of course, always a bank loan is better than any loan in a loan company. We will not get any credit there. On the other hand, you can use several professional financial tools that make it easier to find a bank and credit. These are a credit search engine, a loan comparison engine, bank offers and the option of contacting a financial intermediary when it comes to a housing loan.
Search, compare and request a loan today: Online Payday Loans No Credit Check
What is a payday loan consolidation? It’s the same consumer loan as cash or car loan. He is closer to the cash loan because it is a cash loan intended to repay debts arising from loans and credits in the same bank or another.
A payday loan consolidation is chosen to Helps you with Payday Loans. A payday loan consolidation allows you to reduce the installment amount by extending the loan period, but the interest you pay increases as a consequence.
What can a consolidation loan be allocated? Consolidation loans allow you to pay off other bank debt resulting from loans and cash loans, credit card debt, installment loans, and personal account limits. You will receive a full list of consolidated liabilities at the bank with which you will contact us regarding the loan.
Below you can get acquainted with banks that have such a loan.
The reduction of the loan installment in the case of consolidation is possible by extending the repayment period. Unfortunately, the downside of the consolidation loan is that we will pay more interest on the loan. The upside is undoubtedly the smaller loan installment and in many cases the possibility of improving financial liquidity (more money is left in the home budget).
I am looking for the cheapest loan
Which loan should you choose? First of all, it must be a cheap loan. And what is the cheapest? Of course, one whose total costs are the lowest compared to other banking offers. Therefore, when comparing loans, we pay attention to the lowest total costs and the annual real interest rate (APRC).
I am looking for a cash loan or a cash loan
An overview of the latest and the most interesting offers of cash loans in banks. How to contact the bank? All you have to do is fill in a short contact form and the bank will call you.
Below you can check what are current bank offers regarding cash loans. Cash loans for the statement, no certificates and traditional. Cash loans offers include many of the most popular banks, both regular cash loans and online loans.
Banks grant a maximum loan of € 200,000, but the vast majority of offers do not exceed € 150,000. If you need a larger sum, ask for a mortgage. It can be used just like a cash loan for any purpose, but its collateral is a real estate mortgage.
Payday conditions, In order to receive a loan from Orange Credit , a person should meet the following conditions:have a steady income; be at least 20 years old; not to be entered in debt registers, not to be in arrears with payment […]
Payday conditions, In order to receive a loan from Orange Credit , a person should meet the following conditions:have a steady income; be at least 20 years old; not to be entered in debt registers, not to be in arrears with payment of financial liabilities.
Time to receive payday pay
The “Woman with cash” website evaluates the loan application within several minutes. If the application is approved, you will receive the money expressly . In other cases, the time may be extended to two business days. Extension of repayment
On the “Women with cash” page you can find information that the extension works on the basis of a refinancing loan (another service from the Friendly Finance group repays the liability, but a new one is created, formally towards another lender). In the event of delay, the lender may charge interest for delay (twice the sum of the NBP reference rate + 5.5 percentage points), as well as take other measures to repay the loan.
21 days for bank decision
The Mortgage Act also specifies the maximum time in which the bank must provide the customer with information about the credit decision taken. Pursuant to the regulations, the analysis of the application may take up to 21 days from the submission of a set of documents and after that date the credit decision must be forwarded to the client. This is new because currently the waiting time for consideration of the application is an internal regulation of each bank. Although in most cases market practice shows that these times are much shorter, however in some institutions the decision to grant a loan will have to wait longer.
The new regulations also regulate the principles of advertising loans. All information provided should be unambiguous, understandable and visible. The published values (e.g. interest or installment) should be calculated for a representative example. It is defined as a loan that will be offered on the same terms to at least two-thirds of the borrowers in the bank’s portfolio, taking into account the average loan period and the total loan amount.
Here are a bunch of tips for you who are going to negotiate a mortgage. Maybe some of the stuff you read here gets stuck and becomes something you’re craving to test. Hopefully, the tips can also help you get as good […]
Here are a bunch of tips for you who are going to negotiate a mortgage. Maybe some of the stuff you read here gets stuck and becomes something you’re craving to test. Hopefully, the tips can also help you get as good a mortgage as possible.
The very first thing to do is to investigate what the market looks like
This is something you have to do before you even begin to negotiate with any lender so that you really have control of the situation.
Information about the different lenders ‘interest rates and other things you can find, for example, on sites like this, the lenders’ own websites, in newspapers, etc. If you also know people who have obtained mortgages in recent times, you can talk to them to find out what opportunities they had to bring down the prices.
If you are in control of the situation and should contact a lender, the next step is to consider your arguments in order to bring down interest rates. Here are some examples of just such arguments that hopefully can help you. Not everyone is suitable for everyone and there is nothing to say that they succeed but they may very well do it.
Interest rate a ceiling
Tell the lender that the interest rate they have in their tables should only be seen as a ceiling. The proposal you want to get from the bank should be lower in your opinion. A good thing is if you can give examples of other people who received a lower interest rate from the same lender.
If you have a good credit rating, you should pass this on to the lender. Show that you have a good and safe job. If you are attractive in the labor market, this is also a big plus. A good and stable salary increases opportunities for a good loan.
If you have previously saved money regularly, this is something the lender will be happy about as it shows that you are a person who has a good control of the finances. In the eyes of the lender, such people are generally better at managing the payments of loans.
If you have a previous savings, salary account or any other form of banking service with the lender, you can emphasize that the plan is to keep them there if you get good loan terms. If you contact a new lender, you can instead say that you intend to move all of this to that particular lender if it provides good conditions.
If your bank wants to keep you, they must also treat you well, for example by giving you a little discount on the mortgage. However, if the argument does not work, you should not refrain from being unfaithful, but then you only have to move everything if you get better conditions in another place. If your current bank doesn’t care about your allegiance, you shouldn’t feel that you need to be true to them.
A lender doesn’t really want you to pay off a loan faster than it is supposed to, as they won’t make as much money then. But if you propose this, there is a chance that they feel compelled to offer good terms when you show that you intend to take responsibility for your loan in a good way.
Negotiate the valuation
Should you increase the loans on the home you already have, it is common for the lender to want you to pay for this valuation. However, if it is certain that your previous loans do not exceed 70% of the market value, you should not pay such a valuation. If so, the lender should pay.
Surrounding costs such as setup fees or other fees can often be bargained for. If it is a large loan, the lender will receive large income anyway and then there are good opportunities to succeed in getting rid of these relatively small costs.
Should you obtain a mortgage with a fixed interest rate, you have a better negotiating position than if you intend to take one with a variable interest rate. This is because it is more difficult to move a loan with a fixed interest rate. A mortgage with a variable interest rate can be moved at any time to someone else. If you have a fixed interest rate, the loan can only be moved smoothly when it is time for a new term. It is also possible to transfer a fixed loan at other times, but then you will have to pay an interest payment.
Banks today provide numerous loan options that are available to almost all customers with sufficient creditworthiness. However, there has been a tendency in the market for several years, which clearly goes to provide special loans for certain customers. These special customer groups, […]
Banks today provide numerous loan options that are available to almost all customers with sufficient creditworthiness. However, there has been a tendency in the market for several years, which clearly goes to provide special loans for certain customers. These special customer groups, for which banks are increasingly offering special loans, include, for example, students, trainees, civil servants and retirees. However, retirees in particular are often in a difficult position as loan seekers, because there are numerous banks that are not willing to lend to older borrowers over a certain age. On the other hand, there are also lenders who have no problem with it and even explicitly have a loan for retirees on offer.
Why do pensioners often find it difficult to get a loan?
In principle, each credit institution is required by its customers to check the creditworthiness of a potential borrower before receiving a loan. After all, the bank usually does not lend its own capital, but the money that comes from the deposit area, that of other customers. Therefore, almost every credit institution has certain requirements that borrowers must meet in order to obtain a loan.
First of all, credit institutions use the following factors to check whether the customer has sufficient creditworthiness:
- No negative entries in the credit rating
- Sufficient income
- Collateral (optional)
In addition to these general factors, it is important for many banks that the loan seeker is not too old. Statistically, of course, the probability of dying increases with age. For the banks, this means that, statistically speaking, a sixty-year-old borrower is naturally at greater risk of default than a thirty-year-old borrower, as it is more likely that the client will die during the repayment period.
It is precisely for this reason that retirees in particular have difficulty obtaining loans at many banks. The income is rarely a problem, because hardly anything else than income as safe as the statutory pension or a company pension, which the customer has. Nonetheless, retirees relatively often encounter rejections when, for example, they want to apply for a car loan or a normal installment loan from their bank.
Worth knowing: pensioners often have problems with borrowing
In practice, it is relatively common to find that older people or retirees from the age of 65 or at the latest 70 years old have the problem with many banks that they no longer have a loan. The significantly increased probability of default of the loan due to the older age is usually mentioned as an argument why no more credit is awarded.
The loan for pensioners as a financing solution
Fortunately, it is not all banks that are, from a certain age of the customer, no longer willing to lend. Some banks even go one step further by not only giving older customers the chance to get a loan, but also explicitly offering special loans to retirees. Most of these loans are ordinary installment loans, the only difference being that they are specifically given to clients of retirement age. Thus, the loans for pensioners are part of a group of installment loans that some banks provide for special customer groups, such as:
- Credit for students
- Credit for apprentices
- Credit for civil servants
- Credit for low-income earners
Whether the bank now offers a special loan for retirees or a general installment loan, which can be taken even at a ripe old age, the borrower is usually completely irrelevant. It is only important that he receives the required funding and that the bank offers fair conditions. In most cases, pensioners with a statutory pension and a possible additional occupational pension have a very secure income, which, for example, can no longer be deducted, in contrast to the wages or salaries of an employee. In addition, some retirees have various collateral that they can offer the bank in return.
Our tip: Inquire about a loan for retirees
While there are many banks that no longer provide loans to retirees, on the other hand, there are quite a few offers on retiree loans. Therefore, our tip is that you should specifically inquire about a loan for retirees, which is certainly provided by some banks.
How does the loan for retirees work?
As explained in the previous section, the pensioner loan is not, in the strict sense, a special type of loan. Instead, most banks that provide such a loan to retirees offer it as a variant of a standard installment loan. This in turn means that the whole process of credit for retirees is comparable to that of a classic installment loan.
The following step-by-step guide will help you understand which steps to take on the way to crediting the loan amount in your checking account:
- Comparison of offers
- Selection of the appropriate loan offer
- Applying for Senior Citizens Credit (Online)
- Bank checks credit rating and sends credit agreement
- They sign the loan agreement and send it back to the bank
- Examination of the documents by the bank
- Loan amount will be credited
In the best case, only a few days pass between your loan request and the credit on your checking account, and you can then have the loan amount you want. Sometimes it is recommended that you provide the lender with existing collateral, because these can improve your credit rating once again. However, there are also some retirees who still have a negative credit rating entry. In this case, it is usually extremely difficult, even if the bank offers a special loan for retirees. But even in this case, we have the right solution for you.
Credit for pensioners without credit rating-request
The above-mentioned solution for all retirees who have a negative entry into the credit rating is a loan for retirees without credit rating, which is a loan provided by the lender also on condition that the retiree still retains has stored a negative feature in the credit rating. Through our website you also have the opportunity to receive such a loan for retirees without credit rating. In doing so, we go one step further by conducting a detailed and individual credit comparison for you.
This comparison should not be confused with a pure loan calculator, because not only are individual conditions compared to us, but we include some of your wishes and selections in order to find the appropriate offers on this basis. As we cooperate with a large number of banks, these include some credit institutions and other lenders who are willing to take out, for example, a loan for retirees without a credit rating request. However, the loan for the elderly is far from the only type of loan for which you can request a detailed comparison from us.
In addition, this also applies to the following types of loans:
- car loan
- Credit for self-employed
- installment loan
- Real estate loan
- Loan without credit rating
If you have a negative entry in credit rating, are 65 years or older and would like to take out a loan, please contact us. You have the opportunity to express your wishes and ideas regarding the loan, which we are happy to record and on this basis for you to make an individual, detailed and of course free comparison.
Our tip: Compare the offers on loans for retirees
Our tip is clearly that before choosing a loan for retirees, you should take the time to compare the offers. If you do not want this, we will gladly take this work off, because with us you can order a free, non-binding and detailed credit comparison.
Do not choose too high a loan amount
Despite the fact that you may still have the option of obtaining a loan from some banks and even applying for a loan for retirees without credit rating, you naturally have a high degree of personal responsibility for the repayment of the loan. This means, in particular, that you as a seventy-year-old retiree, for example, should not take on too much loan money. You will hardly be able to repay, for example, a real estate loan over 50,000 euros reasonably safe during their remaining lifetime.
Therefore, you always have the task of first checking for yourself which loan and thus which loan rate you can afford at all. Surely it would not be right to calculate with a lifetime of another 20 years at the age of 70, as this is unlikely. Here, you definitely have the task of carefully calculating and only accepting loans that you can probably repay. However, if this is the case and they need only a loan amount of, for example, 3,000 euros for a major car repair, but on the other hand have a good pension of, for example, 2,000 euros, speaks certainly certainly nothing against taking a loan for retirees.
Conclusion to the credit for pensioners
Loans for retirees are not to be found in too many banks, but there are definitely such offers. Thus, even as a senior loan seeker you still have the chance to receive the required funding. If you do not want to go looking for yourself, you are welcome to use our service. We carry out for you an individual and detailed credit comparison also in the segment of loans for pensioners. Even a negative credit rating statement is not an obstacle as we work with some lenders willing to lend to retirees
Online mini-loans can make the difference between receiving an inheritance or having to give it up. In a decade, the number of Spaniards who have to renounce an inheritance by 250% has increased. According to the National Council of Notaries in Spain, […]
Online mini-loans can make the difference between receiving an inheritance or having to give it up. In a decade, the number of Spaniards who have to renounce an inheritance by 250% has increased. According to the National Council of Notaries in Spain, 408 402 inheritances were processed in 2017, of which 42,987 were rejected. This is 10.5% of the total.
The truth is that it is a rate that has not stopped growing since 2007, year in which it stood at 3.1%. In 2012 and 2013, as a result of the previous years, already of recession, it reached 20% growth.
Main causes to reject a debt
There are two main reasons that can make you give up: inheritance burdens and taxes.
The burdens of inheritance
In many cases, this waiver is due to the burdens and debts associated with the inheritance. In this sense, notaries point to the real estate bubble as the main cause.
There is the fact that with the real estate boom many people decided to acquire their home or make certain real estate investments. In a case like this, the problem occurs when the heirs are presented with a wealth that is associated with strong mortgages. And in many cases, the value of the current property is even lower than the amount of the credit, which causes the heirs to desist.
Before proceeding to this resignation of this style, it is advisable to make sure that the corresponding life insurance certificate has been requested.
Although it is not mandatory, most financial institutions condition the granting of the mortgage to take out a life insurance for the amount of it and to keep it in force to guarantee the settlement of the mortgage in case of death. In addition, to make sure that this is true, they press for it to be contracted with them in order to verify that you pay it regularly and it remains in force.
Years ago, a central death insurance registry was established, to which all companies have to communicate their contracts. This was done to the effect, precisely, that no one could stay without collecting life insurance due to ignorance of the family members and heirs or beneficiaries.
The other cause of resignation can be found in the need to have to pay the taxes of the inheritance. It is a condition prior to receiving it.
These taxes, which are mainly that of Donations and Successions and what is known as municipal capital gain, have a liquidation period of six months after fifteen days of death.
You can request a deferment of another six months or the Treasury can authorize a partial self-assessment and give you certain facilities, but it will be mandatory that you present proof of payment to dispose of the goods.
Faced with this situation, many people decide to renounce the inheritance without even considering the possibilities that exist. For example, accept inheritance for the benefit of inventory. This means perceiving only that which may exceed the payment of the burdens and debts. And then, look for a solution to settle the taxes.
How online mini-loans can help you cope with these situations
In cases of small inheritances, an online mini-credit can help you settle taxes and receive your inheritance. This way you will have the capacity to settle the credit on time.
But the amount of the inheritance can exceed the maximum limits of our online mini-loans in many cases and that does not mean they are a great help.
Sometimes, in order to apply for a loan with the guarantee of inheritance, you need a small loan to erase certain situations, such as appearing in Financial Credit Institutions, to release your credit capacity.
There are many companies, mainly private capital, that specialize in granting these loans with mortgage on their own assets to solve the taxes of an inheritance. But you should be present without appearing in any delinquency file.
At other times, these online mini-loans can complement what you have to make a partial self-assessment or even the whole. Through this self-assessment of taxes you can release life insurance and bank accounts and possibly get the necessary liquidity to pay all taxes, cancel the charges that may have the goods and proceed to its full reception.
In other cases, you may need to pay the fees of a good agency or specialized consultants who provide the best solution to receive your inheritance. That liquidity that gives you a mini online credit can be enough to start the perception of something much higher.
How can you get a mini online credit in 24 hours?
In the simplest way. Having a current account, being of legal age and presenting your official identification document in force, you will be able to request it with a minimum processing through our website.
In it you will find a simple simulator that will make you see the amount you want to request. Normally, between 100 and 1,000 euros. You will also see the term in which you wish to return it, which is a maximum of six weeks, enough time to put things in order and access the money from the accounts of the one you have inherited. Finally, you will see what is going to cost you and the total amount to be returned. You can proceed to the request directly and in a few hours you will know if you have granted it.
We are not going to ask you what it is for and it will not be necessary for you to have a payroll. Proving a regular income will suffice for you to have the money in your account as soon as the operation is confirmed.
Nor do we worry about figures in Financial Credit Institutions. In fact, many people use our credits to cancel this situation. You can even be unemployed, we will study your case with a high probability that you will get what you need.
Sometimes, the solutions are closer than we think and with small things we can move other much bigger ones. Therefore, before rejecting your inheritance, consider other possibilities well; Online mini-loans can help you solve many situations that seem insurmountable.
In the times when it is most consumed, the demand for urgent loans with Financial Credit Institutions increases significantly. However, people who usually appear in these delinquency files can not normally access various financial products for postponement of payment, for example, vacation, […]
In the times when it is most consumed, the demand for urgent loans with Financial Credit Institutions increases significantly. However, people who usually appear in these delinquency files can not normally access various financial products for postponement of payment, for example, vacation, because the risk assumed by the entities is too high.
The best solution is to apply for loans with Financial Credit Institutions to private equity companies to pay for the well deserved summer vacations. Do you want to know how we can pay for our vacations while at Financial Credit Institutions? Next, from Astro Finance we provide you with all the details you need to know.
Urgent loans with Financial Credit Institutions for vacation payment
The first thing we must do if we want to have a quick loan of this kind is to know the unpaid debts, since not all private equity companies usually agree to appear in this list and in others such as RAI, Experian, etc. Therefore, to have the money we need, we will have to find the company that allows us to request financing.
Note that it is also vital to obtain these loans that you have regular real income that allows you to make the repayments on the selected due date. Our source of regular income can be both payroll, pension and unemployment or unemployment benefit. Also, some companies will not lend money if the sum of all the amounts exceeds 1000 euros or comes from a financial institution. Therefore, the information shown on our page is relevant to request a loan for our vacations.
Why use urgent loans with Financial Credit Institutions?
Loans of this type have no specific purpose, therefore, they can be used to cover needs without having to present any type of proof. If we want to finance the holidays and have debts, we can use these products for the following:
- Pay off debts and leave the file. In other words, if we pay all the amounts or amounts that we owe, the data will be deleted from the file in which we are registered and thus we can have access to other products, such as loans or credit cards.
- For the postponement of punctual purchases. We can also use the loan to postpone unpaid debts and, thus, pay for any type of urgent purchase that has a low amount.
As we are discussing, this type of product can be very useful if we appear in files such as Financial Credit Institutions and urgently need financing to make the payment of our purchases. However, we must think that the price is somewhat higher than that of a conventional loan, which is advisable to use it in a timely manner. If they are used too often it can involve dragging a debt that is difficult to get out.
In addition, it is important to always ensure that you have enough income to pay the fee always on time. This is especially important, because this type of products must be reimbursed by paying expiration fees, with which we must also be clear that the return of the borrowed amount is also at the same time as the fees. If the loan is not repaid on time, various penalties for non-payment will apply which can increase our debts.
The payment of the holidays: yes it is possible being in Financial Credit Institutions
Reviewed all the above, in short, it is possible to pay for our vacations if we are on lists of defaulters, asking for an urgent loan with Financial Credit Institutions. Of course, we must know all the details of the return of the loan and if there are private equity companies that put limits on the amounts.
If there is an advantage of quick loans, it is undoubtedly their ease and immediacy. In no time you can have money on hand for whatever you want. quick loan, without long formalities or exhaustive paperwork. Money that will make your life […]
If there is an advantage of quick loans, it is undoubtedly their ease and immediacy. In no time you can have money on hand for whatever you want. quick loan, without long formalities or exhaustive paperwork. Money that will make your life easier and that is there for you to use and enjoy when you need it.
quick loan is an undeniable help for any family that is a bit rushed with their finances. What are the advantages of having quick loan? What recommendations can we give you about access to quick loans? Let’s see some guidelines that will surely go very well in this regard.
The advantages of using quick loan
Surely it sounds to you that maximum of the laws of Murphy that says that if something can get worse, it will get worse. It’s an exaggeration, of course, but we’ve all seen ourselves in something similar: at the worst moment the car breaks down. At the worst moment, you have to do an emergency repair at home (the pipes! The electrical installation!). At the worst moment, the computer fails, your work tool.
And they are not always questions of urgency or that arrive unexpectedly. In September families have to make a large outlay for children’s school supplies. Or the girl’s communion needs a financial backing. Or Christmas comes a little tight and then comes the January slope! These are situations that you surely know very well.
Due to the characteristics of the disbursement, or due to the immediacy of the need, it often does not suit us or we are not interested in resorting to a conventional personal bank loan. There is the main advantage of quick loans: cash and fair money just when it better comes to you. Cash for immediate needs.
Any other advantage? Of course. It’s not just quick loan, it’s easy money. Without giving superfluous explanations or get up to the neck in paperwork and paperwork. With a few simple steps and without complications you get the amount you need for what really matters to you. You only need to meet minimum requirements to apply for your quick credit with Bonsai Finance.
A couple of tips to use your quick loan
We are responsible and we want you to be too. The ease of getting cash with quick loans should not become a hobby. It is money that should be used for urgent and authentic needs. So we recommend that you act with financial responsibility. Does your child need to go to the dentist urgently? For that we are. Do you want to go buy shoes? Then we recommend that you think about it again.
We also recommend that you do not enter into a spiral of quick loans, as you would accumulate more and more fees that could negatively affect your financial health. Act responsibly!
Personal loans, the trust of Italian families is growing. Car loans, restructuring loans, travel loans, wedding loans or other planned or unexpected expenses: the 2017 data all point to a trend of increased funding requests. The web is increasingly an important door […]
Personal loans, the trust of Italian families is growing. Car loans, restructuring loans, travel loans, wedding loans or other planned or unexpected expenses: the 2017 data all point to a trend of increased funding requests.
The web is increasingly an important door for access to loans for young and old.
For the first ten months of 2017, the Loan Observatory records an increase in loan demand of 9.3% compared to the same period of 2016. For Italian Banking Association in October 2017 alone, there was an increase in 0.9% of loans granted to individuals and families, including bad payers and protestors. From January to October 2017 personal loans granted by banks and financial companies totaled € 1,764.7 billion.
Loans: who asks them and for what
The Loan Observatory also reveals that among those who need money and ask for a loan, young people increase (+ 31% under 35). Also the amount of private financing goes up: the average in 2017 is about 12,500 euros, over 1,000 euros more than in 2016. Home loans (loans for furniture and renovations in pole position) and loans for the car make the part of the lion.
They like funding on the web
Searching for online finance is an increasingly common habit, thanks to the advantageous opportunities available on the net and the possibility of having personalized loans in a few hours. For the global company Observatory and the National Consumers Union, loan applications on the web rose by 8.4% on an annual basis.
Why are you looking for an online loan?
Lower Tan and Taeg, faster response times, clear rules and the possibility of receiving a dedicated consultant at home without having to spend one euro ( see how an Isicredit loan works ). All in complete confidentiality, without reporting to global company, Experian and Ctc databases.
Do Italians prefer loans or mortgages?
If personal loans are on the rise, mortgages do not enjoy the same health. The global company data (October 2017) speak of a 20.4% decline on an annual basis, even if the average amount requested (€ 125,065) remains 1.3% higher compared to October 2016.
And you need a loan?
ISICredit is available to those who want a loan and look for advantageous conditions. Clear agreements, long satisfaction. Contact us through our form, we will reply to you for any doubt or need.