Payroll Loan: the easiest way to ask for a loan if you are a government employee

Among Mexicans, it is common for the last days of the fortnight or month to be more complicated. It is at that moment where we see ourselves in the painful need to borrow money from family, friends or a banking institution.

The problem is that if this act becomes a habit, in the long run, the amount of the debt will amount to exorbitant amounts impossible to manage. It is there when the problem begins to take away the sleep and the light at the end of the road seems that it will never arrive.

What to do when the money does not reach? As experts in finance, we suggest you make a thorough analysis of your income, expenses, and debts.

When making a punctual relationship, those leaks and holes that hurt your pocket and make the journey through the end of the fortnight will come to light, so you can plan a strategy to remedy problems.

Surely you will discover that these piquitos during the fortnight are unforeseen of the family; how are the purchase of materials for school, the purchase of new pants because the son tore at school or the small cravings that children have when they accompany you to the supermarket. How to say no, right?

The second possible cause of financial holes are the commissions you pay month after month. Either because you fell behind or because the payment scheme changed for some reason, in each payment you go 100, 200 or even 300 pesos that you had not contemplated.

If you think about it, that amount is the same amount you need to close the week. The change in the interest rate is a factor that often is not in our hands, that is why we always advise you to check the small letters of the credit contracts, so you can choose the most attractive scheme in the market.

On the other hand, the other great factor that hurts your pocket if you can control it and even avoid it. We refer to the commissions that are generated by falling behind with payments.

At this point it is important to avoid reproaches with oneself, there are times that we are so busy with work and family that the payment dates are passed to us. This happens to everyone.

The best thing is to get down to work and find smart solutions that adapt to our lifestyle. One of the solutions proposed by Credifiel is payroll loans, whose automatic collection method frees people from delays and, therefore, generates commissions.

What are the benefits or advantages of a payroll loan?

The main feature of payroll loans is that they are automatically charged for your payment, that is, it is deducted from your fortnight or month (the payments are adjusted to the payment method of the client).

Among the advantages of payroll, loans are the factor of “never late” because the collection is automatic. Can you imagine how much money you would have saved if you had chosen a payroll loan from the beginning? You also do not have to say for what you will use the money, in other words, it is free.

Who can ask for a payroll loan?

As you well know, our mission is to provide innovative financial solutions to the most underserved sectors of the country, so we have the form of payroll loans oriented to different profiles.

Next, we will tell you who can ask for a loan and what you will need at the time of requesting it.

Workers in the education sector. Credifiel offers the best agreements to employees who are part of the SNTE (National Union of Education Workers). The credit can be requested by phone or through our website.

The amount of the credit can be from 2 thousand up to 250 thousand pesos in a term of 12 and up to 28 months. The documentation you need is valid official identification, proof of current address, proof of income of the last 2 payroll receipts and a statement of account.

For those who work in any government institution, Credifiel has the perfect payroll loan with attractive conditions and advantages such as terms and fixed interest rates. The credit is approved in two days and can be used for any situation or inconvenience.

The requirements for the payroll loans are the basic ones, that is to say, to receive the salary in a payroll account or to count on a bank card, to have a working seniority of minimum one year and to have an age of between 18 and 70 years.

Retirees and pensioners through the IMSS can also request a payroll loan in a very simple way. Credifiel offers a plan for accessible payments so that the benefits are maximized.

The age limit to request it is 71 years and you only need your official identification, proof of address and proof of income.

The Nómina Credifiel program is also available to PEMEX employees who will enjoy great advantages such as interest and preferential payment terms. In a period of 48 hours, you will have a credit of up to 250 thousand pesos.

The ease with which the loan is granted is perfect when some type of inconvenience or problem arises without prior notice.

Remember that in all these cases, it is not necessary to say in what the money will be used. Once the loan from GADcapital is accepted, the funds will be transferred to the client’s account so that they are available at the time and in the manner that best suits them.

One of the most recurrent uses of the credits is to pay some debt that is causing problems. Although this act is totally convenient, it would be best if a loan were a tool to achieve a financial objective and not remedy any downturn.

What do you prefer, use a payroll loan to pay late interest or to go on vacation? The answer is obvious, right?

Another technique to pay your debts

Escape from the increase in credit card debtsIn order for your payroll loan to be used in a pleasant way, it may be convenient to first put an end to the debts. There is a simple method to achieve this called snowball, which is to liquidate the credits based on the interest rate.

That is, you have to pay the debts of the highest rates and then move on to those with lower rates. Doing it in this order will cause the person’s income to gradually be released.

The other great secret of this technique is that you always have to pay a little more than the minimum, no matter how small the extra payment, it will help the debt to go down faster.

Perhaps the only factor against it is that it requires order and perseverance since this order must be followed until all the debts are paid and this can happen even in years. In order to have a precise relationship between advantages and disadvantages, they are listed below.

Advantages of paying with the “snowball” method

  • An effective way to pay debts
  • Does not affect the credit bureau
  • Once the debts are settled, you can use the credits again with caution!
  • It is easy to visualize because you only use an excel table with basic knowledge.

Disadvantages of this payment method

  • It is a delayed method to pay debts
  • It is tired at the beginning
  • For some people, it can be complicated to understand and maintain
  • It takes a lot of willpower, having credit available at hand and not using it even to pay other debts.

With this quick review of loans and financial strategies, you can make better decisions to get out of any kind of unexpected or reach a financial goal. Remember that at Credifiel we are always thinking of you and we offer you the best agreements in different types of credit.

Investment Security Guaranteed by SGR

Seguridad inversión garantizada MytripleA is the only crowdlending platform where you can invest lending your money to companies with profitability guaranteed by Reciprocal Guarantee Societies or SGRs. These are the guaranteed investments and you can find them in the “Market” section with the “Guaranteed” label.

In this article, we tell you how they work and we break down their security structure. Let’s go see Champion Personal loans!

What is the investment guaranteed by SGR?

Through MytripleA you can invest in loans guaranteed by SGR that have the following characteristics:

  • Loans guaranteed by Reciprocal Guarantee Companies, which are in turn reawakened by CERSA, an entity that is counter-guaranteed by the European Investment Fund.
  • Guaranteed profitability from 2% + Euribor (revisable annually and with zero ground).
  • Return in monthly installments that are composed of capital and interest. You will find in the information of each loan the total term of the investment (from 36 to 60 months).
  • If a fee is not paid and 90 days pass, the SGR will pay the investor that fee (capital plus ordinary interest) within a maximum period of 60 days.

We have more in detail the security structure of these operations.

The security structure of the operations guaranteed by SGR

The security structure of the operations guaranteed by SGR

At MytripleA we have an agreement with SGR distributed throughout the national territory, which guarantees 100% of the capital and interest on the loan that has this guarantee.

The Reciprocal Guarantee Societies or SGR have as an exclusive corporate purpose to guarantee operations to SMEs and have been operating in Spain for 30 years in favor of the bank, with 0% of bankruptcies.

These companies ensure 100% of the principal and ordinary interests. The guarantee is granted in the form of a joint and several guarantees for the first demand.

These entities are supervised by the Bank of Spain, with solvency ratios higher than banks, and are also re-evaluated by CERSA (Spanish Refinancing Company) that covers a percentage of the risk assumed by the SGRs (40% of the risk is revamped by CERSA approximately ). CERSA is an entity attached to the Ministry of Economy, Industry, and Competitiveness and in turn, receives the counter-guarantee from the European Investment Fund (EIF).

In this way, each guaranteed investment operation offered by MytripleA is secured by an SGR, reinsured by CERSA, which is counter-guaranteed by the FEI.

The transactions guaranteed by SGR are identified in Circular 4/2016 of the Bank of Spain as operations “without appreciable risk”. This category of “no appreciable risk” includes transactions with Central Banks, Group 1 Central Administrations and European deposit guarantee funds, among others.

See Circular 4/2016, point 83F on page 37

Contractual support

We tell you all the contractual structure of this type of operations:

Contract of Payment and Mandate Services

MytripleA carries out the following actions on behalf of investors:

  • The signing of the loan agreement and guarantee
  • The collection of fees and execution of the guarantee (if applicable).
  • Other related actions of the loans (notifications, etc …)

Payment account

Investors transfer the money to invest in the MytripleA payment account.

  • MytripleA has the Paying Entity license nº6869 (see Bank of Spain Entities Registry)
  • The money deposited in said account by the investors is “protected” and enjoys a right of separation by law (see Article 10 Law 16/2009)

Loan contract

MytripleA signs the loan contract on behalf of the investors and transfers the money to the SME, collects the quotas established in the contract and distributes them to the investors.

SGR guarantee agreement

MytripleA signs the guarantee contract for which the SGR secures the loan.

In your case of delay, MytripleA executes the guarantee and distributes the money to the investors.

* The contracts are available to investors registered in the section Legal Terms

The investors are the holders of the loan rights of the loan and the final beneficiaries of the Guarantee.


Neighbors of Barcelona grant microcredits to scrap dealers so they can pay the fines

Neighbors and entities of the neighborhood of Poblenou, in Barcelona, have created a system of microcredit so that sub-Saharan people who live in the neighborhood can pay the fines imposed on them for collecting scrap metal. They lend them small amounts to prevent the amount from increasing. They understand that their neighbors live from the collection because they have no other option and criticize the political and police pressure to which these immigrants are subjected.

They are small amounts of money that will be returned without a fixed term or interest. Currently, there are 15 Senegalese who have received a loan of 1,500 euros- More Bonuses Spiritofthetimes. They are small amounts of money that must be returned without a fixed term or interest. In most cases, the money has been used to pay the fines that the Urbana has for collecting cardboard or scrap from the containers. Fines can reach 300 euros and police pressure has increased lately, as corroborated by the entities.

The municipal data reveal that, in 2010, the Urbana put a total of 94 complaints about “cardboard theft”. In 2011, until the end of November, 691 had been placed, which shows that the presence of ragpickers has intensified with the crisis and that the local police is more on top of this type of infraction, which is considered an administrative fault.

To plug holes



The euros that have been lent to the sub-Saharans come entirely from donations made by the Poblenou’s own neighbors, channeled through the Network of Support to the Settlements, and are dedicated to plugging holes. “They are drowned by fines and do not have the resources to get their passports,” explained the president of the Association of Neighbors and Neighborhoods of Poblenou, Manel Andreu. In addition to paying the penalties, they have been helped to buy glasses or to pay the entrance fee to rent a flat through the microloans.

They are drowned by fines and do not have the resources to get their passports. It is the first time that a solidarity experience of this kind has been launched in Barcelona and, given the success achieved, since it was launched a year ago, you want to export the idea to Badalona and the Borne neighborhood, where there are also a large number of occupied industrial floors and warehouses.

Andreu clarified on Thursday that the idea of granting microcredits arose to help his sub-Saharan neighbors, but not to the bottom, so that they “take responsibility” and, in some cases, have returned the amount of the microcredit. Of the 1,500 euros currently lent, 24% has already been returned. A fact especially difficult to achieve if you consider that for a car full of scrap you can receive about 15 euros a day.

A more difficult life

A more difficult life


In addition, the scrap market has also changed a lot with the crisis. While the construction boom lasted, ” the scrap left over in a work almost gave it away, ” said Andreu Thursday, but now, with the crisis, you must pay to pick it up and receive less money in return.

Andreu asked that the police action “be as smooth as possible” and that the people who collect the cardboard or scrap outside the containers are not punished, something that is happening now. In some cases, local police confiscate the cargo and even the supermarket cart they use, the entities explained. In fact, some shopping centers do batidas to recover the cars that have been taken from the store. Now, they are looking for extraordinary contributions, because there are 15 people who will be shortly on the street.

No Pain Money Saving Tips

There are lots of differences between cash advance the companies offering 2 hours. For example, not all companies lend money people today in all 50 states. And some have higher or lower income requirements.

Most people which join a credit union are employed with a full company, organization or a medical hotel. Credit unions are non-profit financial choices. They operate similar with bank along with certain extent but tend not to offer the services that a bank employs.

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Basically, McGrath admitted he schemed folks to fraudulently sell good credit unions for bad credit and use the proceeds to advance U.S. Mortgage’s operations and investments for himself and the company over five various years.

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Historically, credit unions served the staff of a company or the members connected with the specific line of work. Things have changed, however. Today, quite a few access for you to some credit union by virtue of their current address or be useful. It’s common to find many communities across the united states whose residents can join the local credit nation. What all take is a simple membership application and ordering one “share” in the money union (typically between $5 and $25).

Property owners may appeal the value of their property as combined years. However, there would only be the reduction inside of taxes due if market value falls below the assessed value for money.

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However, that doesn’t mean Canadians should run out and buy U.S. stocks without doing their own due diligence. Taking positions in undervalued, overlooked investments is beyond your budget make the most any consumer. The stock market is no distinct. Here are some potential plays I culled from my stock screens.

You should preferably be part of the lending institution. Because there are roughly 8,000 lending institutions in the U.S., guidelines for finding the one fitting your needs will halt difficult. Two ways to obtain involved it to along with find or join the National Military Family Association for a $20 fee and access to the Pentagon Federal Lending institution.

Find Out How Challenging Money Creditors Work

Nevertheless, if you choose to go with this bank loan consolidation loans option, you need to use your house because of collateral. This means that you will shed your home if you fail to match the set payments. Also, you could no longer apply for a home value loan if you have already distributed your house previously. If you choose to offer your house in the near future, you would need to find a way to pay for your bank loan completely.

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Start Up Your Small Business Online With These Simple Steps

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Think about the future. How will these particular payroll processing services fit into my company in five to 10 years time? Will it be able to deal with my need when the staff number increase?

If you choose to use the service on the web payroll, so you may find that you could save your company lots of money. A growing number of companies are making use of this services model. You still need to be employees that run the payroll services companies, but you are going to say that We are able to do their work opportunities better. If this happens, then you conserve the company money right off the bat.

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Firstly we have to define what is a small business? Little and big is a comparative term. By small all of us mean that there is not much expense done in the business. So if the particular investment is less you should invest less in marketing as well. A large business usually has a good capital investment decision. It can bear the brunts of the advertising, which the top small business payroll services advertising firm can not bear. Not anymore there are several good advertising companies on the internet that charge minimal. You can find companies that charge since commissioning on the sales that will happen through the net. Therefore, one need not make a significant investment either.

You need to give a staff to handle the payroll processing services. Whether you are using a payroll services or software, you need to have anyone to collect employee payroll information and information. The personnel will be responsible for your data manually into the payroll system.

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On The Internet Stock Trading – Introductory Methods For Beginners

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Using the internet, it isn’t difficult at all to do basic share research. Even if you don’t know exactly what that means, a few minutes on Google and you may even know what to look for inside a potential stock. You can find these types of signs or what they contact indicators quickly through charts and reports online. Make use of these to decide when you want to market or buy and then register to your free online investment trading website and make your industry.

There are many on the web stock broker nowadays. Every single broker is different. The primary choice you must make is whether you would like to trade yourself or if you want advice from the broker. The final one is called full services broker and helps you to find excellent stocks and also executes the particular trades for you. The other types are discount brokers plus they only execute the cd investment calculator industry for you but don’t inform you which stock to buy or even when to sell.

To begin, you must initial determine what kind of instrument you are searching for. For example, if you are the type which is based on risk and keeps the credo of the organization, “a risk high, higher returns”, maybe you are cut out with regard to futures trades, and if you might be more of a conservative you might opt for something else.

It must, nevertheless, be noted that considering that margin accounts enable the particular investors to buy more share, they may make greater earnings or suffer higher loss. Margin accounts, therefore, are certainly not recommended for the new plus inexperienced traders.

Focus on the content. Your market is very important. Certain topics plus questions need your interest. If the how to invest in stocks online industry is definitely rife with questions in regards to the best-performing stocks following a terrorist threat, your path is apparent. Focus on something else and you are deceased. Spend the time and work to research. Deliver best articles you possibly can and that will attract brand new visitors and subscribers. Customer tracking software can tell you which of them posts your audience may be worth your attention.

You will then get a stock pick from the software. Merely enter the stock symbol plus hit the Buy key on the software. Keep in mind that you must have an active online brokerage be the cause of the funds. You also have to become constantly connected to the Net.

Every trader should determine the amount of money that they can pay for to lose before entering into the trade. You must have an leave strategy when things never work in your favor. When you have lost what you can afford to get rid of, you need to execute your exit strategy.