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In this article, I’ll explain the  loan foreclosure legislation  to prevent you from risking large penalties or worse still, seizures of assets or real estate owned by you. The law concerning foreclosure in reference to personal loans  provides very strict conditions , if overnight, you are unable to return the financed capital. What does the loan foreclosure legislation provide? Did you know that your salary is also foreclosure ? This is one of those situations, where you won’t be able to afford to get there. It would mean no longer having financial income , and not being able to support daily life in order to live in dignity. I will try to…

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Your children want to buy a property, but do not have sufficient means? Did you know that there are solutions that allow you to build up real estate assets as a family? Among the possible investment methods are the creation of SCI or the purchase in joint ownership. Purchase in joint ownership: a simple solution The purchase of a property with several people is quite classically joint ownership. It does not involve any specific procedure or formality and then makes it possible to acquire a house up to its financial participation (50/50, 40/60, 30/70 etc.). Financial solidarity is required from the purchasers who will…

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What happens in the event of a separation or divorce when there is a loan in progress ? We have been asked this question several times so we decided to write an article about it. To answer this question, two main basic distinctions must be made, namely the case in which the current loan is in the  name of both spouses, and the case in which the current loan  is in the name of only one of the spouses, for example the husband . In addition to this distinction, we can also divide the cases in which the loan in progress concerns two spouses in community…

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If you have come here you will be wondering:  How to get the mortgage restructuring and how much can I ask for? Have you found the property you like, but needs some work? Maybe it’s a mortgage purchase and home renovation together? Or maybe your main home, where you have been living for years now, needs a renovation and you don’t have the necessary liquidity to cover the costs of the works? Whatever your situation, you are surely wondering where to find the best mortgage restructuring , and perhaps you have visited several internet pages and mortgage restructuring forums to make the right choice. On this page we will…

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Better rent or mortgage? The answer, as we shall see, is less straightforward than it may seem at first glance, and the differences between the two options can boil down to a very fine line. The variables to consider are many and highly subjective, which is why there is no one-size-fits-all answer. For some profiles, in fact, a mortgage could be the most convenient option. For others, however, renting remains the only way to go. How can you figure it out? Very simple: by contacting 4Credit you can count on a brokerage service and personalized financial advice , which will help you find the ideal solution for you. In practice, the world of…

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Apply for another Loan with Loans in progress: how to do it? Do you want to carry out a project? You don’t know who to ask for a new Personal Loan because you have other Loans in progress? 4Credit has the Solution! With us you can get new liquidity up to € 30,000 and easily repay your installments up to 120 months! You don’t have to give us any justification ; once the loan has been approved, you will be able to use the money paid out as you see fit! Also to  consolidate other loans . Ask for another Loan with Loans in progress: who is it for? All those who receive…

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We have seen how financial solidity is one of the fundamental characteristics of the person who is proposed as a guarantor (sometimes also called a guarantor). In fact, a bank or a financial institution will not consider applications made by people who do not have a stable income. This means that the requirements for the mortgage guarantor provide that it is: permanent employee ; self-employed with at least two tax returns filed; pension recipient . This means that obtaining a mortgage with a fixed-term contract from both the applicant and the guarantor is practically impossible. Obviously, it is not possible to present for this role a person on whom reports are burdened as…

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What are the documents to act as a mortgage guarantor ? Can I act as a guarantor for two people ? Can two guarantors be required for a mortgage? Let’s go in order: the mortgage guarantor is a fundamental figure for granting a loan. In fact, this subject is called into question quite frequently, each time the credit institution assesses the guarantees offered by the applicant as insufficient. Just think of a young couple who need a mortgage to buy a house, or a person who wants to apply for a mortgage with a fixed-term employment contract . In less “safe” cases, the bank will ask to include the figure of the guarantor in…

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Bitcoin price has rallied for the past three straight days as the VIX Index and Fear & Greed Index decline. BTC is trading at $57,410, which is about 7.40% up from this month’s low. Other coins like Solana, Ethereum , Gala, Sandbox, and Decentraland have all surged. As a result, the total cryptocurrency market cap has grown to more than $2.7 trillion. The fear subsides BTC price took a sharp tumble on Friday as investors continued to worry about the new Covid-19 variant known as Omicron. The coin fell to a multi-month low of $52,700, down about 22.50% from the year-to-date high of $68,819. Bitcoin wasn’t…

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Bitcoin appears to have regained its footing and is currently stabilizing above its 200-day moving average of $46,000. That comes after a nearly 20% plunge over the weekend that sparked speculation of a sell-off. BTC has barely moved in the past 24 hours but is down around 15% over the past week. Sellers are expected to continue adding to their positions over the next few days, so expect a price spike after that. Bitcoin is positioned for a near-term recovery, although the upside towards the $55,000-$60,000 resistance zone seems limited. In the long term, weekly momentum indicators have turned negative. This is…

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