Loans in Finland with Utmost Flexibility and No Collateral

by Kaylie Phelps

Regardless of your profession and lifestyle, the requirement for a loan may crop up at some point in life. It could be necessitated by some unexpected or emergency situations or for releasing one of your cherished dreams. For example, you may get involved in credit card debt and need the quick supply of cash to resolve the crisis. Instances of people taking loans to buy a vehicle or property are also not uncommon. However, in such times approaching banks for loans may not be the most viable option.

Rise of online loan providers

There was a time when people thought of contacting banks for any loan, including those in Finland. However, with time lending norms have become tougher and way more complex than what it used to be. You will have to face numerous hassles when seeking bank loans. These include extensive documents, long wait, the requirement for good credit score etc. However, you are not bound to remain limited with bank loans when you need the quick supply of money. The Finnish online lending entities have become popular and they offer small, personal loans along with large ones.

Why opt for online lenders?

It is true that online lending entities have not been in this sector for very long. However, owing to their numerous advantages over banks, they have become popular with loan seekers in Finland. Below listed are the reasons why you should consider these loan providers over banks:

  • Flexibility- You may require the loan for various needs and sometimes, a small amount of 150 Euros may be what you need. These entities offer flexibility in lending practices. They can offer you 100 euro or 100 times that amount as loan. It depends on your need and eligibility eventually. Flexibility is also there in terms of repayment duration.
  • No guarantor/collaterals- This is possibly the biggest benefit of choosing Finnish online lending entities over banks. These entities will not require any guarantor for loan approval. Neither will they ask you to give any collateral like property for obtaining the loan.
  •  Eligibility- These online lenders sanction loan as long as applicants fulfill major requirements. They specify the requirements in their websites. The age limit for applying for loan varies from 19 to 22 years.
  •  Ease of dealing- You need not go anywhere to apply for loans when you are dealing with top Finland-based online lenders. The loan application process is online and the processing is fast. In many cases, applicants receive the money on the same day of application.

Things to look out for

You will benefit by choosing online flexible loan providers in Finland beyond doubt. But, it is necessary that you use some parameters to pick the right online lender. There are several such entities and selecting the most apt one makes sense. You should learn the rate of interest before application. Top online lenders do not hide facts about other charges for small, personal loans, if applicable, to the applicants. You should assess the reliability of the company based on its customer care team’s efficacy as well.

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We’ve Been in our House Almost Ten Years!

by Mrs Money

We’ve been living in our house now for almost ten years and I cannot believe it. There were many times I wanted to sell our house and move back to Colorado, or even Michigan. Even lately I’ve felt the itch to move because our house feels small sometimes now that we have a family! Our house is around 1600 square feet and is laid out really well. We have an attic, shed, and basement for storage but really wish we had a garage. We would also love if we had a finished basement for a living area! I’d love to have all toys down there, as well as another couch and tv so we could all relax and hang out together down there. If we ever sell our house and move, we have a list of wants/needs. Some of the things include: more acreage (around five acres), wood burning fireplace, basement, and garage. Those are all things that are pretty much non-negotiable.

As of now, our plan is to stay put and try our hardest to make this house and property work for us. If you’ve ever wanted to sell your home, maybe you could try these tips as well! There are some things we’d like to do to make us love the house even more, and also to increase the value of our home. We’ve done a lot of work to our house to make it our home, and I look forward to changing and making things even better over the next few years! Some of the things we have done include:

Replace flooring in our house. We’ve replaced all the floors except the ones in our dining room and kitchen. Our house is older and many of the rooms have original pine subfloors. Those rooms had carpet and we wanted to replace the carpet with hardwood but the floors were too uneven since the house is so old. We decided to go with a laminate floor that I installed myself! We’ve been living with it for many years and been very happy with the quality and durability. Plus, I feel like hard surface floors are so much cleaner and are much better for people with allergies.

-Painted every room, some rooms multiple times. I really enjoyed painting before I had Penny. There are a few rooms in our house that I would like to repaint but they will have to wait until I have the time and energy. I’d like to repaint our office (the paint in there has been the same for many years and definitely needs a paint job), and possibly our dining room and maybe even our bedroom. It seems like since I originally painted everything I ran out of paint ideas though. I need to get re-inspired!

-Paid extra on the mortgage. We’ve been pretty faithful to add a little extra to each mortgage payment. Usually it’s only $50, but every little bit adds up! I can’t wait to get the mortgage paid off completely. We’re prioritizing saving for retirement over paying the mortgage off sooner because we believe we will get a better rate of return on our investments if we invest in our IRAs.

Some of the projects I would like to complete soonish are:

-Repaint the kitchen cabinets. Our whole kitchen could use an overhaul, but the cabinets are nice wood and I think we can get some more time out of them. I wouldn’t mind to replace the counters, possibly backsplash, and floor. We will see if we can make that work in 2017! I’d love to do a lot of the work ourselves, but some of the stuff I don’t know where to start with so we will probably consult a professional on at least some of it!

-Purge and organize the house. I feel like we generally do a good job in keeping the clutter at bay, but having growing kids means that there are always clothes and toys being outgrown. I try to keep up on this and make sure that we don’t have way too much stuff in our smallish house.

That’s basically it. Have you wanted to sell your home and then changed your mind and stayed for a lot longer than you thought you would?

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