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Epinal, a historic city that is modernizing

Epinal, a historic city that is modernizing

Made up of 541 municipalities in 31 cantons, the Vosges are a department where the plain and the mountain are nearby. With less than 70 inhabitants per km², the country is quite conducive to the installation of newcomers. To become a future owner in the locality, think of finding a loan insurance in harmony with your mortgage.

History of the city of Épinal

History of the city of Épinal

The prefecture of the city of Epinal. The 59.24 km² of the town originated from an old medieval bastion city built on the top of a rock. The canonist habitations of the Chapter district date back to the 11th century.

Later, the “Bailli’s house” and the Roman house and its rose garden enriched the architectural heritage of the city. If living in an authentic and historical city inspires you.

Urban projects

The city plans to develop a loop around the hyper center that will renovate the squares of the city and its streets like the Place and docks. Eco-mobility is also a priority of the City Council. 10km of bike paths and an experimental have been set up. This embellishment of the living environment of Spinaliens is tempting? It’s time to get in touch with a collateral expert to cover your home loan and calmly realize your dream of becoming a homeowner.

Subscribe life insurance

loan insurance

Once you have found your nest in Épinal, think of building a small nest egg. In case you hesitate, choose life insurance. This allows for capitalized payments that will not be released until the death of the subscriber. With the help of a professional near you, you’ll find the best deal at a great rate.

On what to use my first loan for business

How should you use your first loan for business?

How should you use your first loan for business?

A loan or financing can be a great support tool for a small business to take the next step and grow. If you are thinking about acquiring your first loan or you already obtained it, the recommendation is that you use it to achieve “strategic objectives” that generate a great impact and truly achieve your business.

According to our “Report on credit and growth of 2019”, only 40% of entrepreneurs focus their resources on strategic actions such as using technology or attracting quality human talent. So next, we will give you some suggestions in which you can invest your new capital and thus ensure a scalable future.

# 1 Attracting talent to strengthen the business

# 1 Attracting talent to strengthen the business

The attraction of talent is important in the growth of a business, because when you find people who bring great knowledge and skills, you can develop a better product, service or even create a more innovative business model. Capital is essential to cover the costs required by an action such as attracting talent and not losing liquidity; since in addition to the payroll, expenses are added as the tools they need to develop their activity, the benefits you intend to offer them (medical expenses insurance, bonuses, dining service, transportation assistance), among others

# 2 Implement technology to improve processes

Another option in which you can take advantage of the money you are getting, is in actions that improve internal aspects of the operation of your business. For example, the use of technology to streamline processes such as production can help your products or services have a higher quality, take advantage of the raw material or even increase the capabilities you have to cover a larger market.
In terms of technology implemented in administrative processes, you can facilitate the work of your employees and their performance increases due to the opportunity to automate tasks with software or systems designed for the needs you have.

In a study conducted, a leader in technology and network services, it was announced that that implement technology can increase their profits by up to 30%.

# 3 Accelerate business sales

When the sales cycle of a business is not so optimal, revenues may fall short to meet the usual obligations and expenses that an has and therefore limit their growth. If this is a situation that your business presents, you can invest your credit in accelerating the cycle by obtaining enough inventory to satisfy your customers at the moment, implement various payment methods, improve the collection model or even develop a value proposal stronger than you can differentiate yourself from the competition.

Finally to make sure that you will use your first loan correctly, you must also establish a plan in which you define the goal you want to achieve, what you need to do it, a budget including the amount obtained by the loan and the specific actions you must perform. This will help you have more control over the use and make the most of it.

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Getting a Loan for your Business


Getting a Loan for your Business


One characteristic of the modern age and the information revolution is the speed with which changes occur. If in the past a business owner could afford to wait a week or even more for a loan, today taking a quick loan to a business is the norm.

When a business owner asks for a loan he is interested in getting the answer here and now, rather than wait. The reason for this is that even the purpose for which the loan is required will not wait. Business opportunities disappear in a short time, if they are not used.

On the other hand, a business may collapse if it fails to meet its financial obligations. What is a quick loan to a business ? How do you get such a loan and under what conditions? Where can I get a business loan quickly and efficiently? Here are the answers.


A Quick Loan to a Business – What it Actually is


A quick loan to a business - what it actually is


The changes and the information revolution, as mentioned above, did not skip the loan market. One of the reasons why a loan was delayed for a week or more, was the need for the lender to perform reliability checks on the loan applicant.

To date, there are ways to carry out a reliability test of a potential borrower within a short time and approve a quick loan to the business within hours and even less.

If a business owner takes a loan through the bank where his business account is conducted, the loan may reach the account within minutes of submitting the application. This is provided that there are no special problems in the account.

In fact, a quick loan to a business is the norm while loans whose issuance takes time become less and less popular.


Quick Loan Terms for Business


Quick Loan Terms for Business 


The terms of a quick loan to a business are a direct function of the business situation and the nature of its activity. If in the past there were fixed criteria for granting a quick loan to the business and the loan in general, as of today, each loan is on its own and tailored specifically to the business.

In many cases, the terms of the loan are calculated using an algorithm that takes into account all the financial aspects of the business. In some cases there is human intervention, but the process itself is quick and ends within a short time.

If you have an interest in taking a quick loan to a business , this is the right place for you. You should contact us now and the skilled professionals of a quick loan will get back to you soon.

They will review your application and find the most convenient and appropriate loan for you for your needs and abilities.


Are savings and loan contracts still worthwhile?

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Bauspar was previously considered a solid investment. Despite low interest rates, home loan savers were able to save high-interest rates. The banks were worried – they announced their contracts to hundreds of thousands of customers. The Federal Court of Justice (BGH) ruled on Tuesday in favor of the banks and declared the terminations to be lawful.

Building societies such as Schwäbisch Hall and Wüstenrot already started to terminate the contracts two years ago. Bauspar contracts are affected, whose allocation maturity has exceeded 10 years – in times of low-interest rates a financial burden for the banks.

In the meantime, the number of dissolved Bauspar contracts has reached around 250,000. After the ruling of the BGH is with further dismissals to be expected. According to consumer advocates could be affected this year up to 60,000 contracts.

The model “Bauspar contract”

Bauspar contracts work in such a way that the savers regularly deposit amounts over a fixed term at the end of their term and receive interest. Customers acquire the right to a favorable construction loan during the savings phase, despite formerly less attractive interest rates.

The so-called allotment maturity occurs when the Bausparer has usually paid half of the Bauspar sum.

You can now apply for payday loan consolidation. Only a few years ago, some building societies offered the customers lucrative additional interest if they waived their loan. So they made the model for savers who did not want to build, attractive – the home savings contract was a mere investment. In times of permanently low-interest rates, this business model no longer works.

Bauspar contracts as a pure investment?

If you just want to invest your money, nowadays you will not get good interest anywhere. That’s why many construction customers are keeping their old contracts running for years. “The old credit interest rates are high and therefore very attractive,” says Dirk Eilinghoff from the consumer portal Finanztip. “But the loan interest rates in these contracts are also much higher than usual today. That loans are not used, for which you would have to pay four to five percent interest is fully understandable. “

Loans to pay debts: everything you need to know

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A payday loan consolidation is the best option to give you a moment of tranquility while you have to liquidate.

If you want to start living the economic tranquility to be able to enjoy your family more, you do not have to wait any longer and on the contrary, you should start planning what you will do next with your money that will be free, safe and sound.

To begin, it is necessary that you learn to identify which are the payments that you should schedule in the short and long term. This difference is important so that, once you have paid off your debts, you can avoid falling into them again.

For example, if you are going to do the acquisition of a new room or furniture to do a remodeling in your home, the most optimal thing is that they are payments made in the short term.

That is to say, months without interest, this probably because in a short time you could change them or they could need fixes and then, you need to invest again in them.

Can you imagine dragging a debt for years of something that you do not even have at home?

This is a situation that must be horrible and also causes a sense of dissatisfaction in people, that is why to avoid it at all costs you must learn to differentiate the expenses that can be the short and long term, this decision should also be taken in accordance more convenient for you

On the contrary, the payments that can be long-term are all those that demand a much stronger economic investment and that your salary would not help you to comply in a short time.

For example, monthly payments to buy a house or apartment, buy a piece of land and build your future home completely to your liking and to the needs of your family.

A short-term credit through government payroll can be a great option to settle your debts, after reading this article, you will know why you should know Credifiel, where we provide loans for state workers.

Why is a short-term loan a great option to cover my debts?

Why is a short-term loan a great option to cover my debts?

High-interest costs are not generated: It is evident that the longer the period for which you request the loan, the longer you will be paying interest.

This translates simply and simply that if your account was for $ 50 thousand, for example, but you decide to pay it to 5 years, probably with the pure interest and the Annual Total Cost would end up paying double or maybe, up to triple the amount that You requested at the beginning.

This is unfair because if you requested the money for an amount because you did not have it, it is worse than after you end up paying much more. What would be, then, the benefit? Decide on short-term loans.

You can completely liquidate it in a few months: Between 12 and 48 months you can liquidate your loan 100% after having invested it in a way that you will thank for your whole life.

In this way, after having settled your account and settled all debts, your pockets will be ready to start again and then, you will be ready to request a new loan to help you now, to increase your capital to acquire new things and also, to think about the future of your family.

Stop giving things so many times, the best option is very close to you.

In a short time you can make new investments: For me, personally, thinking about payments that must be made more than 5 years ago causes me a sense of fear and extreme insecurity because it is as if your economy is tied to something for many years next.

Also, it is much easier to control or think about what we will be doing in 5 years than what will happen in 10, right?

This is why thinking about short-term credits to settle debts is a much more viable option, also because you can think that within 5 years you will have control of your finances and then, you could start investing in all those things that always you wanted

Your debts could be reduced: Debts with several banks? One of the possibilities offered by financial institutions is the possibility of paying 100% of your debts and also having the option that by making the payment in a single exhibition the amount is reduced.

In this way, in we lend you the necessary money so that your accounts are reduced and you can consolidate loans once and forget them for many years.

To make the most of your credit via payroll, we suggest that you first completely liquidate those debts with the highest interest rates, the small debts that, although they are still important, could involve a smaller amount of money.

Remember that to have optimal financial health and your family expenses should not be limited, it is best to always have a lot of organization in finance and also make a list of priorities in any circumstance.

Instead of making your debts grow and accumulating a large number of interests that in the end, seem to have no end and that is also impossible to liquidate with your salary, you’d better decide to liquidate them in a single exhibition.

Come to Credifiel and know our financial solutions that will give your life a new debt-free start.

All our payroll discounts are for government workers, so we make sure that everyone can have access to a better quality of life and wellbeing for their family.

Where can I apply for a loan to pay my debts?

Image result for whereNow that you know that a loan is a solution to your financial problems comes one of the most frequent questions, where can you find it?

Financial institutions are probably the most demanded option to apply for a loan; However, it is important to open your eyes to new scenarios and look beyond, you could find other interesting and beneficial possibilities for you.

Remember that not always the best-known option is the best, the best decisions are always those that have research and comparison as sustenance. If you are also wondering, where can I get a loan to pay my debts?

There are endless financial options in the country that can offer loans and credit products, but in order to choose the best one and the one that best suits you, you must first know all of them.

In addition, it is important to mention that the services of many of the institutions that offer loans to pay debts in Mexico are only focused on companies. That is why you should verify that the institution you wish to approach gives personal loans.

Financial institutions:   Banks are those institutions that are dedicated to attracting resources from their public with the objective of proposing different investment options to the sectors that make up the country’s economy.

When you go with a financial advisor and you mention “I need a loan to pay off my debts,” what he does is take other people’s money to invest it with you.