Category Archives: Credit

Pool credit through a works loan: financing at the best rate?

Do you want to realize your dreams and install a swimming pool on your property? Take the plunge with the pool credit. Our objective through this article is to offer the best work loan, ideal product to finance a new swimming pool. We will mainly see how to receive a positive opinion, using a credit comparator with immediate response.

What is pool credit?

What is pool credit?

Have you bought a property and would now like to install a swimming pool to cool off, or to please children and small children? Owning a swimming pool at home is the dream of many French people. This allows you to have fun, but also to add value to your property. Its cost depends on the surface and the type of swimming pool but is overall very important. It is common to have to inquire about the credit 10 000 USD or more to finance a swimming pool.

It should be known that to install a swimming pool on a ground, there are two solutions:

  • Do the installation yourself
  • Request a professional

If you want to install the pool alone, know that today the pools are delivered directly to your home in kit form. They are therefore often relatively easy to assemble. However, if you want the installation to be done by a professional, you will have to use a manufacturer, a craftsman or the store from which you bought your pool. In this case, additional costs may be invoiced and the pool credit will be all the more justified.

Depending on the pool model chosen and the amount of your pool credit, the rate will vary depending on the financial organizations or the manufacturing companies. Thanks to Sir Credit, it is possible to obtain an evaluation at the best rate, without obligation. Indeed, you just have to fill out our single questionnaire and let us look for the cheapest credit for you in order to save money.

For an above-ground pool: pool credit against store credit

For an above-ground pool: pool credit against store credit

What is an above ground pool?

An above-ground swimming pool is, as its name suggests, only placed on the ground and not buried. It is therefore faster to install, because it does not require digging or earthwork. It adapts to any type of terrain and perfectly represents the swimming pool dedicated to leisure and relaxation.

Currently there are two categories: 

  • Inflatable pools : they are self-supporting and flexible with an inflatable tube and PVC walls. The shape is most often round or oval.
  • Rigid pools : they are most often made of metal, concrete, wood or even composite wood. They are much more varied than inflatable pools because they come in different forms: oval, round, square, rectangular, octagonal, hexagonal…

Overall, above-ground pools have many advantages, especially on the financial side, because they do not represent major work for the field. A small consumer loan of around 5,000 USD is sometimes enough to afford a beautiful model.

Pool credit: what budget should you plan?

As mentioned above, above ground pools have a financial advantage over inground pools. The price can vary and range from a loan of 400 $ to a credit of 8,000 USD (only high-end models can reach 14,000 to 15,000 USD). Consumer credit will then be of a non-negligible amount, but it is possible to find good compromises.

Where to find an above-ground pool?

Above-ground pools are sold more easily than in-ground pools, because they do not generate any commitment on the part of the land owner. In addition, they are more affordable. This is why they can be found in several large chain stores. They can also be found on e-commerce sites such as Rueducommerce or Cdiscount. The above-ground pool is the economical, aesthetic and practical solution that will allow you to enjoy a real holiday at home, even if the garden is not large.

Pool credit versus store credit

With all these suppliers, it is possible to find a credit offered directly at the point of sale, for example through store cards. But these credits are far from being cheaper than those offered by specialists as you will see in our comparator.

Credit for inground pools: an ultimate dream within reach

Credit for inground pools: an ultimate dream within reach

What is an inground pool?

For a more luxurious pool and more comfort, opt for the inground or inground pool. Its installation must be entrusted to professionals, such as masons when it comes to building it, but also to other craftsmen if it is purchased as a kit. The cost of this pool can take off depending on its area and the materials used. 

It should be known that for this type of swimming pool, it is necessary to be in possession of a building permit and that it must be the subject of a declaration near the town hall because it is work of installation of a terrain.

An inground pool is durable and relatively solid thanks to its different materials:

  • The pool shell is made of polyester, a relatively strong and durable material. The only drawback to be noted could be the lack of space for transport to the garden concerned.
  • Concrete is the material par excellence of inground pools. This allows a total personification of your pool: size, depth, shape, and even if for more luxury, an overflow pool is desired, thanks to the concrete, everything will be possible!
  • Stainless steel (or stainless steel) which is the most luxury and quality material. Indeed, it will be the most durable for an inground pool.

All this luxury and comfort can escape from your dreams and thus become reality by opting for a low rate TAEG pool credit.

What is the price of a swimming pool?

Requiring various site development works and using quality materials, the inground pool represents a real budget. Its average cost is.

Indeed, it was noted that for a swimming pool buried in kit, it is necessary to envisage at least a credit 5000 USD. As for the inground pool, its minimum price will be 20,000 USD. Obviously, everything will depend on demand, the manufacturing company and the cost of labor included in the price of the purchase of the pool. It is very important to make several quotes when talking about such large amounts. Finally, note that for a custom buried swimming pool, the price easily reaches 50,000 $.

Where to find them?

Inground pools are not bought in a simple store like the previous ones, but bought in one of the brands specializing in this type of pool (Desjoyaux being the most recognized in this area). An appraisal will be made as to the client’s request and following this a quote will be established.

The pool credit is therefore more useful for this kind of project because it represents a significant investment and therefore a significant amount of money.

Pool credit: choose it well to limit interest

Pool credit: choose it well to limit interest

To apply for a swimming pool credit, please fill ou otur questionnaire and select your desired amount and duration. Let us remember in passing that the longer the duration, the higher te amount of interest on the work financing.

To choose the type of pool credit, simply select “work credit” on our comparator.

In addition, not only does it save time using an online credit comparator, but it also saves money because with the best pool credit rate that Sir Credit will take care of, you will save money!

Let us illustrate this with the request for a credit of 10,000 USD for a period of 60 months:

Lowest fixed APR rate: 4.90% / Monthly payment: $ 187.77 / Total cost of credit: $ 1,266.00

Most expensive fixed APR rate: 7.89% / Monthly payment: $ 200.95 / Total cost of credit: $ 2,034.91

We note that for the same pool credit request from one financial institution to another, there is a difference of 768.71 USD. This difference generally widens further when the amount is higher, and / or when the duration is extended.

Understand Why Credit Recovery For Your Customers

Due to the financial crisis or lack of control, some companies present a list of delinquent customers. That is, there is loss for the sale or acquisition due to that receipt blocked. To reverse this situation, you need to work with credit recovery. Credit recovery works by contacting and negotiating with certain consumers regarding a backlog or debt. In this case, it is common for companies to hire a call center that specializes in the negotiation issue.

So credit recovery is a way of rescuing certain debtors and assisting companies with assets and backlogs. There are even some businesses that specialize in negotiating or taking on the debt portfolio of other companies. Be careful that this activity does not negatively influence financial education!

 

What is the difference between recovery and credit recovery?

credit loan

Delinquent credit recovery is a way of contacting the consumer who has outstanding debt and trying to negotiate it so that the credit can be repaid. Delinquent claims usually have bids that are out of touch with the debtor and therefore tend to be unpaid. However, the credit recovery companies act on the proposal to negotiate this debt so that it is accessible. Regarding the difference between a collection company and credit recovery companies, it is worth understanding that one intends to remind or appeal for repayment of debt, the other intends to recover and negotiate payment, respectively.

Therefore, the charge is a reminder that the debt has not been paid and is a call for repayment. But credit recovery is different in this respect, being more a way to negotiate so that the amount can be paid by the consumer. Thus, knowing about credit recovery allows companies to acquire capital that was previously considered “lost”, and through this maneuver, still improving the relationship with the customer and maintaining a good bond between the parties.

Therefore, the difference between recovery and recovery is:

  • The collection is more worn and is usually made by the credit granting company itself;
  • Recovery has a different relationship margin and can be done by third parties or specialized companies.

In addition, sometimes recovery has less wear on the customer and even relationship maintenance.

 

What are the benefits of credit negotiation?

credit negotiation?

Credit recovery companies are based on the negotiation of a capital considered inactive or outstanding, unpaid debts. In turn, the role of the credit recovery company is to assist consumers and businesses in:

  • Helping companies get back the capital stuck in debt;
  • Negotiate directly with customers and thus lessen the image of the company;
  • Offer more attractive opportunities (for both).

Finally, credit recovery is a collaborative way to negotiate a debt that was in limbo. Therefore, it is important for the client to be open-minded and honest about their reality. This way, the company will better understand your situation and try to come to an agreement that suits both of you.

Credit and loan – how do they differ?

 

There are many financial products on the market that are used by more and more people every year. Some terms are used interchangeably, but in practice they do not mean the same thing at all. Loans and loans are examples. Both services involve borrowing money for a limited time, but at the same time there are a lot of significant differences between them. What connects them and what divides them? When is this option worth attention?

When we talk about loans and credits, we don’t think about whether they mean the same thing. It is obvious that we take money from a financial institution for a given purpose and we have to give everything back by the given date. Still, the exact rules for granting, paying off, and even interest costs are quite different. Each of these options may be attractive to a different group of recipients. That is why it is worth pre-thinking what possibilities we have and what is profitable for us. So credit and loan – what connects them and what divides them?

Basic differences between a loan and a loan

Basic differences between a loan and a loan

The biggest difference between a loan and a loan lies in legal regulations. In fact, they result in what the other differences are. The loan is only granted to the bank and is always granted in accordance with the Banking Law and the Consumer Credit Act, the Civil Code. In all these documents there are many restrictive provisions that clearly specify all the grounds. Loans can be granted by non-bank financial institutions and even individuals. The rules related to their granting and repayment are only regulated by the Consumer Credit Act and the Civil Code.

What is the difference between a loan and a loan in connection with the above-mentioned regulations? Banks must follow certain procedures. Before we get a loan, we must complete many formalities, filling out the application is just the beginning. In addition, the bank may ask for a statement of earnings, check our creditworthiness, verify that our name does not appear in the debtors’ databases. It always goes on. In the case of a loan, the lender does not have to stick to the type of formalities, which means that we can get a loan much easier. Often, even in such situations, when the bank gives a negative decision, non-bank financial institutions will be able to help. Even the unemployed can apply for a loan!

Interest and costs are another issue. Again, banks have slightly tied hands and cannot encourage customers, for example, at zero costs. The loan agreement is always payable. The difference between a loan and a loan is that non-bank financial companies can offer more and more interesting loan offers, including free ones. If we think carefully about everything, it may turn out that we will not incur any additional costs for the loan.

When going to the bank, we must specify the purpose for which we need money. In the case of loans, this is not obligatory. The loan repayment is always in installments. However, when it comes to the loan, the lot depends on the amount and the contract you sign. Payday loans are usually repaid once and the deadline is usually several dozen days. However, sometimes the amounts are high and the conditions may include installment payments.

What connects loan and credit?

What connects loan and credit?

As you can see, both financial products share a lot, but there are also some common elements. Loan and credit – how similar are they? First and foremost, in both cases, there is a commitment that we have to settle. In addition, in both cases we can, but we don’t have to, sign a written contract (with a loan of up to USD 1,000 it can be oral), and spread the commitment into installments. Both products may be payable, because the loan is free only for new customers of loan companies who have the first commitment in this institution.

What to choose?

What to choose?

There is no definite answer to this question. We need to think about what the possibilities are and what exactly interests us. If we care about high amounts that will be spread over a long time, and we have a stable professional situation and we do not have overdue obligations, it is worth considering a bank loan. If you have doubts about your ability or presence of a name in BIK, you have to reckon with a negative decision. However, you may consider visiting or contacting via the website with the loan company. But you do not have to treat it as a last resort – there is no shortage of situations in which a loan pays off more than a loan.

When we care about time, reducing formalities, and thus also shortening the entire procedure, then a loan will be a good idea. In the case of the bank, we wait at least a few days to process the application, while the loan means money even on the same day. A loan will be a good proposition for us if we need money for a short time and the amount is small, for example several hundred dollars or several thousand. Then we can also take a payday loan, which will be free. In this situation, it is the most cost-effective option. In this way, we do not have to bear interest costs.