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Too much in debt? Do you want to get rid of these debts and start from scratch completely? This post will show you a good solution! See for a summary

Know that even to negotiate you can count on the resources of the internet, taking advantage of the convenience and agility that it offers. Here’s how to negotiate debt online!

The Clean Name of Good Lenders

debt loans

Clean Name Online is an initiative of Good Lenders, a credit protection agency. The user must access the Clean Name Online page on the Good Lenders website and follow the guidelines. It is necessary to make a registration informing data such as name, CPF, date of birth, e-mail and cell phone and create a password.

Through the tool, the person will be able to negotiate debts online with partner companies of the site. Payment options are offered and it is possible to print the ticket to pay at banks or lottery shops.

It is a quick, safe and discreet solution, which does not expose the consumer and allows him to be more comfortable to regularize his situation.

The Right Deal Solution

Through the Deal Agreement platform, it is also possible to negotiate debt online for free. As on the Good Lenders website, it is necessary to initially register with personal data. Once you enter the main page, you must inform your CPF in order to proceed.

With your registration, the platform locates your debts with any of the partner companies. Proposals are intermediated by the website itself, which gets in touch by phone, but can send the slips by email.

The Right Agreement also allows the debtor to make a proposal to a company that is not yet a partner and to verify its position in the face of the offer.

The Credisure Group Online Negotiator

loan online

This is another option for those who want to negotiate their debts online. It is also necessary to make a registration informing name, CPF, date of birth and zip code of residence.

With a username and password, you can access the Online Trader and be aware of the payment methods. If you are not satisfied, the debtor can make your counter offer. When both parties reach a consensus, the person will be able to generate, print and pay the ticket, clearing his name and regaining credit in commerce.

The advantages of online trading

The advantages of online trading

Negotiating debts online offers great advantages that are not found when we negotiate in person:

  • more convenience and privacy;
  • agility (negotiation takes place in a timely manner, without bureaucracy);
  • more security (the websites mentioned belong to serious companies whose purpose is really to help the consumer) –
  • it eliminates the tension that many debtors can feel when they have to negotiate their debts in person, avoiding conflicts;
  • increases the chances of an effective agreement.

Disadvantage: some experts say that when negotiating in person the debtor shows willingness to resolve the situation, which guarantees him greater discounts.

Situations that can get your name dirty


Once you are able to negotiate your debts online, do everything you can to not return to this situation. There are common ways that can foul your name and create serious problems such as bad checks, unpaid purchases on a credit card and stores booklets, loans overdue financial, securities and protested lawsuits. Do your best to avoid them!

Do you intend to negotiate debt online? It’s a lot easier, isn’t it? Enrich the post with your comment.


Using student loans to pay for college involves easy answers and difficult choices

High school students often look at big name universities and think, “That’s it for me.” It is exciting to have high ambitions, but reality can be set easily. Big name schools often come with high ticket prices.

Some students may receive a large financial aid package that covers most of their educational expenses because of their academic, athletic, or artistic abilities. Other students may have parents who can afford college, or who have saved money through a tax-saving plan.

But for most college students, it usually involves borrowing money through student loans. Although loans offer the benefit of helping you meet your short-term goals, taking on too much debt can have long-term negative financial consequences.

How Much Money Can You Get In Student Loans?

How Much Money Can You Get In Student Loans?

Remember that there are two types of student loans – federal and private. It is best to maximize the amount of money borrowed through federal student loans before it is converted to private lenders. The current credit limits for student loan loans are:

  • Undergraduate students can borrow up to $ 5,500 a year depending on financial need, the amount of other aid received, and the availability of funds at their chosen college or career school. Loan funding is limited, so file as soon as possible. Undergraduate students can borrow between $ 5,500 and $ 12,500 a year in direct subsidized loans or direct off-loan loans, depending on certain factors.
  • Graduates can borrow up to $ 8,000 a year in Perkins loans depending on financial need, the amount of other assistance received, and the availability of funds at their chosen college or career school. Graduate students can also receive up to $ 20,500 each year in direct non-performing loans. Graduate students may be eligible to borrow the rest of their college expenses in credits, subject to satisfactory completion of the credit check.
  • Parents of dependent undergraduate students may also borrow money through loans to cover the rest of their college expenses not covered by other financial aid, and again subject to satisfactory completion of the credit check.

There are life caps that can be received through federal student loans. If the total loan does not cover the cost of attending a particular college, students and parents can turn to the private student loan market for additional funds. Keep in mind, however, that private lenders have different rates and payment terms that can affect long-term financial liquidity.

How Much Money Would You Make Through Student Loans?

How Much Money Would You Make Through Student Loans?

This is often a very personal question to answer, and one that must be carefully considered by each family. Try not to mix the emotions of wanting to attend a particular college with the reality of being able to pay for it. Keep these factors in mind when deciding how much money to borrow through student loans:

  • How much will you borrow in total? Find out how much it takes for most students to earn an undergraduate degree from the college under consideration, and then determine if you need a college degree to enter a particular profession. This should give you a rough idea of ​​how much it will take to borrow over four to ten years or more, which it can take to complete your education.
  • How much will you have to repay? The federal government provides a repayment estimator that will give you a good idea of ​​the monthly payments that will be required after graduation.
  • Who will pay? Some parents are happy to take student loans, while others want their students to take responsibility. Compare the estimated payments against the expected pay of the repaid borrower.
  • Is it worth it? If an estimated payment leads to financial strain, the family must consider their options. Students may want to fully attend a community college or other college, the family may come together to earn extra money, or the student may intensify seeking scholarships to locate additional funds.

Disadvantage is a serious one for the private individual

Disadvantage is a serious one for the private individual

Unfortunately, when taking out a loan, many consumers tend to only look at the monthly interest payments and neglect the repayment. For many years, entire properties were financed without repayment. The loan amount thus remains constant until the loan expires. Only then must the entire amount be paid back. This sounds tempting to the consumer, as it shifts a large part of the payment far into the future. Since he always has the property as collateral for a mortgage loan, the banks are generous and offer the customer loans without repayment. The disadvantage is a serious one for the private individual. He wrongly feels certain that he will be able to finance the amount at a later date. He is rarely so disciplined and saves a regular sum for the date of the repayment in addition to the monthly interest payment.

It is not without reason that there are two dates for homeowners where it becomes critical: first when the tax subsidy expires and second when the loan repayment is due. Most of the home sales and auctions take place on these dates and in the event of a divorce. The most frequently chosen financing method for building a house or buying a property is the annuity loan or repayment loan. In addition to the interest payment, a certain amount is repaid right from the start. This sum amounts to a certain percentage of the total loan.

Make up the sum to be paid annually

Make up the sum to be paid annually

Interest and repayment rate together make up the sum to be paid annually, i.e. the annuity. This sum remains constant over the term. This means that the loan amount to be paid falls from month to month. At the same time, the amount of the repayment increases. The higher the repayment, the faster the loan is repaid. That sounds tempting and so many builders put too much effort into it at the beginning. They calculate very tightly and are then quickly faced with the decision to sell the property in an emergency. After only two unpaid installments, the banks are exercising their right to exercise access to the property. They come first in the land register and therefore have all rights. Even a sale is then no longer possible. You should therefore calculate a little too generously when calculating the interest rate and the repayment.

Prefer to schedule special repayments

Prefer to schedule special repayments

Otherwise, divorce or job loss will inevitably lead to an existential problem. Be sure to find a lender that enables special repayments. But inquire about the conditions. A special loan repayment is only possible up to a certain percentage. The banks often also charge prepayment fees to a considerable extent. Calculate different situations in detail before you finally decide on a loan option. Finally, they usually bind over several decades. Let your bank calculate a loan repayment schedule. You can see at any time when which amount is due and how high the interest portion and the repayment is.

All subsidized loans dedicated to public employees and retirees

All subsidized loans dedicated to public employees and retirees

Social Institute loans ex Government Agency 2017 are lines of credit designed to meet the most diverse needs, from liquidity to deal with daily unexpected events to the purchase of a first home. The common factor of these products is the convenience, the rates are competitive and the conditions capable of adapting to the needs of the applicants. So let’s see in detail how the offer is made up.

The small loan

The former Government Agency products are managed by Social Institute, because this social security institution has replaced the Government Agency, which was canceled due to a reduction in public spending. The first loan we want to consider is the small Social Institute loan ex Government Agency. This is a line of credit addressed to members belonging to the unitary management of credit and social benefits.

The sums granted are not to be related to a specific purpose. The applicant must not submit any expenditure documentation or provide reasons for the application.

The amount of funding varies according to the salary or pension received by the applicant, net of taxes. It starts from a minimum of one month to a maximum of eight. The repayment process, however, starts from 12 months but can reach 48 months.

An interest rate of 4.25% is applied to the sum. To this must be added administration costs and the Risk Fund premium. The administration costs are equal to 0.50% of the gross amount of the loan while the amount of the premium for the Social Institute Risk Fund varies according to the age of the applicant and the duration of the amortization plan.

Those who wish to know all the rates envisaged for the Risk Fund can consult the Social Institute Loans Handbook, available on the official Social Institute website.

How to apply for the loan

How to apply for the loan

The application procedures vary according to the person submitting the application. Employees must apply (using the form available on the Social portal) through the reference administration, which will take care of sending the request to the social security institution.

If a pensioner, on the other hand, requests the loan, it must be sent electronically, using the special service for submitting the online application active on the official Social Institute portal (Social or by contacting the Contact center ( toll-free number 803 164 from the landline, 06 164 164 for a fee for calls from mobile phones).

Multi-year loans

Multi-year loans

Direct multi-year loans are also part of the Social Institute loan offer ex Government Agency 2017. These are loans to refer to in the event of more important economic needs.

While small loans are personal loans, multi-year loans belong to the category of targeted loans, that is, they are granted exclusively to meet the specific personal or family needs of the member.

In this regard, the applicant must provide documentation certifying the expenses incurred and these must be consistent with the Social Institute regulation. In the event that the purpose of the loan does not fall within those contemplated by the Social Institute Loan Regulations, it is not possible to access the credit.

Repayment and interest rate

The multi-year loan is a product based on the assignment of the fifth. This means that the installment does not exceed 1/5 of the net monthly allowance. The beneficiaries are always employees and retirees belonging to the unitary management of credit and social benefits.

The repayment plan is five-year or ten-year (60 or 120 monthly installments). As regards the interest rate applied to multi-year Social Institute loans ex Government Agency 2017, 3.50% is applied, administrative charges and the risk provision premium must also be considered, which follow the same indications as for small loans.

Subsidized loans for home purchase and renovation

Subsidized loans for home purchase and renovation

After reviewing the Social Institute loans ex Government Agency 2017, the last loan to consider is the first Social Institute home purchase mortgage. The admitted purposes are actually different and are divided into three categories:

  • purchase or construction of the first house;
  • renovation, maintenance, expansion, or transformation of the first house;
  • purchase or construction of garage or parking space.

The maximum amount that can be financed varies according to the purpose of the loan, but in any case it is not possible to exceed the 300 thousand USD threshold. As regards the rate, the beneficiary has the choice between a fixed Tan at 2.95%, or a variable rate equal to the 6-month installment plus 200 basis points.

Investors can use a diversified portfolio as collateral for loans. Certain investors, usually those with considerable wealth and experience, have almost access to credit through a practice known as securities lending.

Whether through a private bank or other financial institution, loans and credit lines backed by securities can be especially useful for those who occasionally make large purchases, such as buying real estate or buying private operating companies.

This is different from lending to securities, whereby a broker lends securities to traders for the short sale of those shares or other assets. Securities-backed loans, also known as securities-based lending, instead of using securities as collateral to secure investor loans.

What is a Securities Loan?


A securities-backed loan is a debt secured by a portfolio of investors for qualifying securities such as stocks and bonds. The borrower deposits securities into an account where the lender has a lien, and the lender will often provide funds for a loan of 50 to 95 percent of the market value of the securities.

The exact amount depends on the specific underlying assets in the portfolio and the level of diversification. For example, a lender may approve more funds relative to a portfolio of U.S. Treasury bills than a portfolio that has one concentrated stock.

The lending process in action


When a borrower wants access to credit funds, he or she writes a check against the credit line or submits payment instructions to the bank account.

As the value of the underlying collateral changes, the credit capacity of the account fluctuates, which may result in the deposit of additional collateral in the form of cash or the deposit of other stocks and bonds not previously included in the collateral.

The borrower may also repay some or all of the outstanding loans. Unless executed within a certain period of time known as a “hardening period”, which may range from two days to 30 days, the lender will liquidate the securities acting as collateral through the sale.

Qualified borrowers may include individuals, joint investors and revocable life trusts in which the trustee, creditor, and beneficiary are identical. Depending on the financial institution, loans can range from USD 100,000 to USD 5,000,000 or maybe more for high net worth individuals. These loans have terms that are tailored to the short- and medium-term borrowers; five years is common.

Use for investors

Securities backed loans have several advantages. They can offer the borrower significantly lower interest rates and reduce risk over alternatives such as margin loans, although they still carry a higher risk than other forms of lending.

In addition, they offer greater repayment flexibility and provide a defrosting period to meet additional security requirements. This is different from the requirement for an immediate loan payment.

The interest rate on a securities-backed loan is often based on a premium over the Good Finance Investment Corporation (GFIC).

This range varies, but, typically, the higher the value of the investor portfolio, the lower the interest rate. In certain cases, the lender may lower the interest rate on the loan under the supervision of the securities if it is allowed to pledge a “precautionary” lien on the real estate or property of the investor. This may also allow the investor to deduct interest on her tax return. Some securities backed by securities also offer a special interest payment.

Risky securities lending business


Despite their benefits, securities backed by securities come with some risks. Even a stable company with historical stock price stability can succumb to the difficult economic environment and see its stock price fall.

When the capital market and fixed income perform poorly, which typically happens in cycles, the market value of many assets may hit levels that were previously unimaginable.

Unless the lender has a lot of excess liquidity outside the securities that support the loan, or the securities that support the loan make almost entirely assets such as short-term US Treasury bills, this can cause the bank to call on the investor loan.

This could cause forcible liquidation of lenders at unattractive prices. The borrower now had the ability to buy and take it from him, and he had no choice to wait for the market to recover.

Another danger of a securities backed loan is that the lender no longer feels comfortable with some security that serves as collateral. For example, imagine that you own a large block of stock in what used to be a well-respected company, such as Good Finance.

As digital cameras eroded the company’s profits, the bank may have decided that it would no longer accept Good Finance as collateral.

You would either need to sell your Good Finance stock and invest in something that is acceptable to the lender’s needs, or you would need to contribute additional capital to a secured account held by your collateral to avoid a credit line reduced or canceled. In order to mitigate other types of risks, securities backed by securities also have a significant limitation:

The borrower cannot use the money to pay off margin or invest in other securities.


The balance sheet does not provide tax, investment or financial services and advice. The information is presented regardless of the investment goals, risk tolerance or financial circumstances of any particular investor and may not be suitable for all investors.

Past performance is not indicative of future results. Investing involves risk including the possible loss of equity.

An invoice credit (RAL) is a loan that many tax entrepreneurs provide to people against their income tax. A tax refund credit prediction loan can be approved in minutes and cash available within a day or two.

These loans are based on the full tax refund amount. Credits can be obtained for the full or partial amount of the expected return. When the check arrives at the tax office, the loan is paid in full, with interest, and the remaining balance is issued to the recipient.

Many people use this program because of their quick access to money despite the high-interest rate.

Although there are no credit checks to receive these loans in a conventional manner, loan preparation must require information from the GFI to determine if there is any lien on the repayment.

Beneficiaries can be charged against tax refunds, student loan arrears, and child support. If the lien is against the refund, the reimbursement credit for the reimbursement can be deducted or just given for the refund condition.

Why RAL loans are not consumer-friendly


People thinking of a predicted tax credit should try to avoid the program. RAL loans have very high fees for services and interest. Because these loans are short-term financing, they are not governed by the same interest laws as conventional loans. Like a payday loan, a RAL loan has interest rates in excess of 200% APR.

For example, a payday loan could actually cost a couple of hundred dollars to borrow a few thousand in 5 days.

Better taxation of taxes


Electronic tax filing can give you a refund within two weeks. If you have a bank account, you can have the money deposited automatically for even a shorter period of time.

The need for these loans is no longer needed. Consumers who want to receive money faster than two weeks may want to consider a different financial option to avoid these high-interest rates.

If you don’t have a bank account, you might consider buying a prepaid debit card. Most of these cards can function as a bank account and can receive electronic deposits.

Sign up for a card that has routing numbers available and you will use the same purpose in receiving your refund. These online banks are very useful for people who have had credit problems in the past. Once the money has been sent to your card, you can access it immediately.

News from the GFI on payday loans

The GFI issued a statement saying it would no longer provide consumer information to refund processing companies. This tax information is crucial to their ability to provide RAL credit.

The GFI has stated that by providing this service to these companies, they are violating the privacy of taxpayers to secure profits for these private companies.

The GFI further explained that the onset of free preparation through their site, the electronic filing and the speed with which these refunds are processed should eliminate the need for such loans.

In 2009, consumers spent nearly USD 750 million in fees for these types of loans. An incredible amount for just 8 million credits to process. That’s an average of USD 950 per membership fee per person on a loan that generally only lasts a week or two.

The largest providers of these loans, Good Finance and Good Credit are armed, stating that disruption to these types of services is burdensome to taxpayers who need quick access to their repayments.

As of this moment, there is no indication of whether lenders will find a new way to offer this type of service in the coming tax seasons.

Basic loan payment calculators are just one of the endless types of free online calculators that can help you analyze your real estate transaction. You will find calculators to help you determine your debt-to-income ratio, loan and tax cost calculators, tax and investment calculators, and more.

Credit qualification calculators

Credit qualification calculators

Online payment calculators give you the ability to analyze slightly different changes to your payment scenario. They help you determine what combination of elements must be put together to get the best home loan. Mortgage Loan Calculator is fast and easy to use. Just include the loan amount, loan length and interest rate to calculate your monthly payment.

You can view a depreciation schedule that allows you to see how much each payment is applied to principal and interest. Scroll down to find another calculator that shows you results before paying off your loan. offers a What’s Missing calculator. For example, if you know the payday, term and loan amount, it calculates the interest rate. If you know the loan amount, term and interest rate, it calculates the payment.

Credit comparison calculators

Credit comparison calculators

Loan comparison calculators allow you to compare many aspects of two or more different home loans.

Loan calculator offers a calculator that lets you look at a 30- and 15-year mortgage.

The mortgage professor’s fixed mortgage ARM calculator helps you decide which of these two types of loans is best for your needs.

Refinancing and home equity calculators

Refinancing and home equity calculators

This Debt Consolidation Calculator helps you determine if you should consolidate your debt with a home equity loan or other mortgage. It also calculates how many months it will take to break even at the closing cost.

More calculators

Other useful categories of mortgage calculators:

Disbursement calculators show how an extra payment will affect your credit.

Taxes and Investments Calculators help you determine capital gains for sale, analyze cash flow and net worth of an investment property purchase, or simply find out how much you save on taxes when you own a home.

PMIs and accurate calculators help you determine if it’s best to save for a bigger drop before you buy a home, or go with less down and buy private mortgage insurance (PMI). You will also find calculators associated with the purchase of points to reduce the interest rate.

You have thousands and thousands of calculators online to help you sell or buy a home. Take some time to explore them.

Subsidized loans for retirees

Subsidized loans for retirees

In addition to taking care of public administration pensions, the Social Institute Public Employees Management provides credit lines at advantageous interest rates. These are the so-called and Government Agency loans, which allow access to even large sums which public pensioners can also access. So let’s see who they are and how to get Social Institute loans to retirees.

Who can get the loans

Who can get the loans

Social Institute retirees and Government Agency can apply for subsidized loans on condition that they meet the required requirements. Loans are divided into two categories: small loans and multi-year loans. To obtain the small loans, it is sufficient to be registered in the Unitary Management of credit and social benefits, this is the Credit Fund through which Social Institute disburses the former Government Agency loans.

For long-term loans, on the other hand, it is necessary not only to be enrolled in the unitary management, but also to be able to have at least 4 years of service life useful for the pension and a minimum of 4 years of contributions paid to the aforementioned management.

Loan amounts and repayment

Loan amounts and repayment

As regards the contractual conditions, Social Institute loans to pensioners are repaid with an amortization plan in monthly installments, directly deducted from the applicant’s pension. As for the contractual conditions, however, these vary according to the type of loan.

For small loans the duration can be annual, biennial, three-year or four-year . The maximum amount that can be financed varies according to the duration of the loan: in fact, for each year it is possible to obtain two average net monthly payments received by the applicant.

For example, a pensioner who receives a pension benefit of 1000 USD each month may apply for a small annual loan for a maximum amount of 2000 USD. The interest rate for small Social Institute loans to pensioners is always 4.25%.

The issue for multi-year loans is different, however, which allow access to sums of up to $ 150 thousand. The duration can be of 5 or 10 years, while the amount that can be financed varies according to the reason for which the loan is requested. The rate is 3.5%.

How to apply for a loan

How to apply for a loan

For both small and multi-year loans, the loan application must be submitted electronically. The application forms are available directly on the official Social Institute website, in the Forms section (path: “Home – Services and Services – All modules – Management of Public Employees – Registered / Retired – Credit and social benefits”).

As for sending the application, this must be sent electronically. Public employees must contact the Administration they belong to while public pensioners can use the special online service or contact the Social Institute Contact Center.

Loan simulation

We also remind you that on the official Social Institute website there is a service that allows you to perform online simulations. To reach it, it is necessary to follow the path: “Home – Services and Services – Management of public employees: simulation of calculation of small loans and multi-year loans”.

The web application offers three calculation methods :

  • loan simulation;
  • loan simulation for specific amount;
  • loan simulation for ideal installment.

Once the desired simulation mode has been chosen, all the required data must be entered in the appropriate form. To perform the simulation, simply click on the “Simulate” button.