Archive June 2019

The Risks of Major Investments – Improve Your Financial Health


The risk is never just the investment, but the use you make of it. But in general, we have, at least as risky:

Treasury Direct

 Treasury Direct

Credit risk. The Treasury Direct is the least risky investment in the market, as it is guaranteed by the federal government. If the federal government defaults Treasury bonds, the economy becomes chaos, as much of the country’s money-including banks-is in those bonds.

If you sell a treasury bill before maturity you will be subject to the market risk of the bond price varying but not usually the largest in the market.



Credit Risk, again. It would be the risk of the bank to break, but you are guaranteed by the FGC up to $ 250,000 (including interest).

In addition, there is a risk of losing good opportunities, as Treasury Direct always pays more than savings. Then there is no need to continue saving!

Federal Precepts

Federal Precepts

Credit risk. It is the same idea of ​​the Direct Treasury: the chance of the federal government to default on a debt bond is very low.

Fixed Income protected by FGC


Credit risk. Most fixed income securities (CDB, LCA, LCI, LC, LI, LH, savings) are guaranteed by the FGC. It guarantees you up to R $ 250,000, per CPF and bank. You can find out more on the FGC website .

It’s a little less secure than the Treasury Direct.



Here begins the Market Risk. ETF is the acronym for “Exchange Traded Funds”. They are funds traded on the stock exchange. They put multiple stocks together into one package, so you can invest in multiple stocks at the same time, even if you have little money. This is a very interesting way to start investing in stocks.

Consolidated corporate actions


Market Risk, mainly. Consolidated companies are less risky because they are more predictable. It’s much harder for Ambev (one of the biggest beer companies in the world) to do unpredictable things and give unexpectedly bad results than an unknown and novice company do the same.

Investing in Startups

 Investing in Startups

The word is fashionable, so it’s good to talk about it. Startups are startups generally based on the lean startup method. That is, always make tests and quickly validate your hypotheses in the market. Like any start-up project, the risk of going wrong is much greater than a company already consolidated.

And for this reason, investing in them can give investors far greater returns (which is the case with angel investors).

Shares of companies that are not yet operating

 Shares of companies that are not yet operating

The risk here is even greater than that of start-ups. The most emblematic case was that of OGX, oil company of Eike Batista. Without having even drawn a drop of oil, the entrepreneur conquered all the investors in the chat.

A lot of people relied on his propaganda, and ignored that his project had a huge risk of not working out.

Result? The operation failed and the company was unable to extract oil. A company that started out worth more than $ 1000 per share ended quoted at $ 0.05.

Invest in your own business

 Invest in your own business

Risk of the operation going wrong. If you are a first-time mariner, the risk of things just does not work out and you lose money is great. It is therefore important to have a good reserve of money or other sources of income before devoting yourself to your own project.

Invest without fear!


Now we are talking about the risks, and you can walk more firmly in the investment world. Let’s go to the part that interests you: know the best investments for you.


Mortgage loan

What is a mortgage loan or a home loan?

What is a mortgage loan or a home loan?

A mortgage loan is really nothing but a mortgage. When you take out such a loan, you buy a house, apartment or plot of land. That purchase then becomes the collateral for the loan. A collateral is a kind of guarantee for the lender. If you do not meet the payment obligations, it has the right to sell your collateral to pay off the remaining debt.

It doesn’t have to get that far. The conditions of a mortgage loan are very clear and transparent. Also prepare a clear repayment schedule.
That way you won’t be confronted with surprises!

A mortgage loan is taken out for a specific duration. Traditionally this was 20 years. Today, however, most people take out a 30-year mortgage due to rising property prices.

A mortgage loan is also closely related to your living situation. Your income or joint family income, your living situation and your age are used to make the final calculation.

An important rule of thumb for such loans is the balance between the value of your collateral and the amount of money you borrow. This balance is based on an execution value. This is the amount that the lender expects to receive in the event of a forced sale of the collateral. The foreclosure value is usually set at 125%, equal to the amount to be borrowed.

With this short explanation you will come to an end, but contact a mortgage adviser anyway!



A mortgage loan is a home loan with which you can buy a house, apartment or building land.

You can borrow up to 125% of the purchase price, so you can also pay the notary fees and other expenses of the loan amount!

The mortgage loan Credithome currently offers interesting possibilities! As you may know, percentages vary from customer to customer depending on your personal situation, so complete the online form and do a simulation!

How to Apply For A Credit Loan: 11 Steps | Loans



The Fovissste loan is aimed at Mexican state workers, ideal for obtaining housing at affordable cost and with monthly installments and low interest rates. So, if you’re employed by the state, take advantage of this benefit and get yourself an estate for yourself and your family. The process is simple, you just need patience because it takes months.




Start the process 1 Search works in some government agencies. Only if you work for the state will you have this benefit, so go to a delegation or municipality and revise job offers in your workplace. Also, if you have government notices, ask them to let you know about vacancies in their dependency.

  • Graduating in a bachelor’s degree gives you greater opportunities to work in government.
  • If you study, a social program or professional practice goes into any government agency so you can do a career and get a job as an employee base or trust.
  • It is important that you appoint a minimum of 18 months to be a Fovissest Credit Card.
  •  2 Identify the type of credit that suits your possibilities. If you are active as a worker’s credit depends on your income, and if you have retired and never use this benefit, then go ahead and even benefit. Fortunately, Fovisste has a fairly wide range of options.
  • Traditional credit is the most common and is given to active employees.
  • There is the modality of credit with subsidy for those who have an income of more than 5 minimum wages. This adds an extra amount of money that is not needed to pay it.
  • For pensioners, there is also a special option, only applicable in cases where the credit was never used.
  • Combined modes that allow you to add your Fovissste credit to Infonavit, or combine it with your partner’s credit.
  •  3 Check the call. Given the high demand for this benefit, there are specific periods to apply for the mortgage loan. Traditionally, the call opened in October and the publication of results was done in November. The exact dates change year after year.
  • On the official website of Fovissste you can check the days of the call – so when you see October in the area, the batteries will be charged.

Part 2

Part 2


Process your credit 1 Enter your request In order to take this step, make sure you have at least 18 months of purging for the state, so you can enter your request for a random process done in November. It’s also important to have any other Fovisste active credit. Based on the following:

    • Voter or passport password.
    • CURP.
    • If you request a joint credit, you must collect the documentation of your partner.
    • Personal data, which coincides with the CURP, in addition to your address, home and mobile, email and marriage status.
    • Work information such as the official name of the agency for which you work, your bi-weekly base salary and your appointment, whether you are a basic employee or a reliable employee.
    • Submit the application in any of Fovissste’s reception offices.
    • You can complete the form and submit it from the Fovissste website.
    •  2 Check the random procedure list. The so-called random procedure works in the following way: there is a limited number of credits per year, the amount is about 30 000, but varies in each call. Persons entering their application during the registration process dated in October and doing so within the 30,000 available cards are entitled to the credit. If you’re out of the number, you’ll be on a waiting list.
    • Go to the general list of results on the indicated day of November, where the approved requests appear. Go to the official website of Fovissste and go to the “Consult the Results of the Random Procedure” section.
    •  3 Choose your home Remember that your credit is used to acquire new or used housing, you can also build if you already have land and make improvements if you already have a home.
    • Know the amount of credit you are entitled to with the calculator that makes Fovissste available to you. In this way, you get a base to choose your property.
    •  4 Protect Your Credit If you are one of the lucky ones in the general list of results, it is to go to a financial entity authorized by Fovisste. Deliver the necessary documents, they are responsible for the rest. You can consult a list of financial entities on the Fovissste website.
    • Delivery copy of an official identification with photo and signature, as well as a copy of your CURP and the application for registration with the financial institution, take the original for comparison.
    • Subscribe to the Integral Origin System (SIO) within the “Housing Assignment” phase.
    • Make an evaluation of the house you are planning to buy, considering that it should be at least 30 years of useful life for conventional housing. Avoid attacks from incomplete homes.
    • Obtain your Unique Housing Code (CUV). This process is being processed by the financial institution if the house is used, when new, the key is assigned by the construction company.
    • You have 45 calendar days to complete the process, after this period you will lose the credit.
    •  5 Quit the process and record the actions. The final stage of the loan lasts about 4 months, be patient and meet established requirements. During this period, the financial institution must enter your credit at the Final Verification of Charge Phase. Upon completion, you must receive the date of the financial institution and the notary for signing the deeds.
    • The day you sign must be the financial institution and a representative of the property.
    • Make a copy and original of your official identification, receipt of your last two weeks and proof of address. Remember that if the credit is pooled, you need to take your partner’s documents.
    • The expenses of writing are on your own.
    • The notary fees are covered between you and the Fovissste, each paying half.

Part 3

Part 3

      Work a credit for pensioners


      1 Meets the requirements. You must be pension and between 47 and 74 years old. You did not use your Fovissste credit during your time as an active worker and would like to purchase a new home. This mode is simpler, but you still need to be patient.

      • Choose your home, remember it’s new or usable.
      • Calculate the amount of your credit with the Fovissste tools.
    •  2 Go to a financial institution. Unlike traditional credit, for this method you can register at any time of the year, the only difference is that you will enter a waiting list according to demand. You will need the following documentation:
    • credit application completed by hand.
    • pay pension from your pension.
    • Official photo identification.
    • Proof of address and CURP.
    • CUV, which is only applicable to new housing and provided by the broker.
    •  3 Draw the works of your home. The financial institution is responsible for formalizing your credit after you have the documentation, it is important that you stay tuned to do so according to the deadlines, their date for signing the notary will be given.
    • You will need an evaluation of the house you intend to obtain.
    • Prepare official identification in copy and original, CURP and proof of address to attend the appointment of the deeds.




        • The selectors must be registered with the Federal Mortgage Association, otherwise they will not accept your assessment.
        • The Fovissste loan process is completely free
        • The CUV is processed by the financial institution when you use housing, it has a cost that varies according to the amount of your credit. In this case, you have to pay the fees for this concept.


Get a simulation of your payday loan? That is possible here, free and easy!

Banks all have a very extensive website nowadays. We have been conducting our banking business with it for years such as transfers, account statements. But also requests for new services such as bank cards and loans. Banks have made a very handy system for loans. You can carry out a simulation loan for the application. That is entirely without obligation, so you can first do this purely for information purposes. That way you know exactly what you will have to pay for the loan each month.

Pay costs on a payday loan

Pay costs on a loan

Because for many people that is what it is all about, knowing the exact costs of the loan they need. In the past you were allowed to sit down at the counter in a bank for this, today you can easily do that from your lazy chair. Just take the computer and you can simulate payday loans. In a few seconds you have done one, in ten minutes a handful of couches. Why should you do more than a bank? Just because you can compare.

When you buy a car you will also compare prices and suppliers. The same is with a loan. After all, you have to pay costs on a loan. The lower the costs on a loan, the more interesting for you. Because then you keep more money in your own pocket and you have to handle it well. Just because the costs of other things are also added. You receive invoices for services that you have running or products that you purchase somewhere almost every day. The end of the month is a difficult period for many people. Take this into account so that you do not get into financial difficulties. Banks also state that you cannot spend more than 1 / 3rd of your income on a loan. That not to put you as a customer in trouble, but for the bank it is a must to get their money back.

That is only possible if you have a fixed income, which you can prove on the basis of a few wage sheets. You may also not have too many other fixed expenses. A bank counts the other loans for that and also alimony that you may have to pay. You can already make the sum yourself, but if you pass on all the documents to the bank you will also receive an answer of what is still possible.

Borrow at the lowest costs

Borrow at the lowest costs

You probably already know the slogan ‘borrowing money also costs money’. Banks didn’t just create it. That is to make people aware that in addition to the amount borrowed, you also have to repay costs. So it’s not free what banks do. Be aware of this if you want to apply for a loan and compare as many providers as possible. That way you can borrow at the best conditions and that is always with the lowest costs that you can find.

The guide for those who want to perform a simulation of their loan!

Thanks to the internet you can easily perform a loan simulation. Banks have been walking the way of the internet for several years. It provides a stream of new customers. But existing customers can also easily manage their services. We have been making transfers and requesting services via online banks for years. Easy and fast, so they have continued to innovate and you can now also perform a loan simulation. This is free and without obligation. So you can do as many as you wish, and that at any bank where you want. That way you can compare the offer, because banks can vary considerably in costs.

Who has advantage on getting a loan

Who has advantage on getting a loan

So look for some banks that you find interesting to perform a simulation. That way you can quickly see where the offer is the most interesting and you can possibly apply for the loan. You can perform a loan simulation quickly by entering two details. These are the amount you wish to borrow and the number of months to execute the payment. You can often choose the latter between a short or a long repayment period. If you opt for a short period, you have fewer costs to pay but the monthly amount is a lot higher. A longer term has the advantage that the monthly amount is lower and therefore easier, but the costs are higher. A choice that you can make, the bank lets you in freely.

It is always important to carry out as many loan simulations as possible, in this way you compare the offer and you can borrow on the best terms. Every bank in our country still has a website so you can use it as well. In addition to simulations, you can also find a lot of information there. And if you still have questions, there is always a bank branch nearby where you can go. Although there is already support via a help desk that you can consult online. All the convenience for you as a potential customer.

Apply the best loan

Apply the best loan

So in a short time you have carried out a few loan simulations and you get a picture where you can best apply for the loan. You can apply for the loan, but each bank will first want to check whether you can still handle it. You still have enough money left over to pay other fixed costs. That’s why you can only spend 1 / 3rd of your income on loans. That is to prevent you from borrowing too much and eventually getting into financial difficulties. But it is also important for the bank that they only take customers who can guarantee that they can repay the money. This way they see everything again, with the profit margin on top.

End of Year is the Right Time to Be Free of Credit Card Problems


The accumulation of credit card problems that you have faced in recent times, especially during 2017 is not without a way out. These problems, especially debts that are in arrears and are not able to be repaid are indeed often a barrier to starting new beginnings, for example to start owning a new home, starting a new business, applying for new motorized vehicles, etc. How come? Credit card problems that are in arrears often have an impact on the Historical IDI, where any arrears you make will still be recorded in the Bank Indonesia system, and poor credit collectability can make your name badly tarnished and deemed less credible for loans.


Quick Ways to Pay Off Debt


Quick Ways to Pay Off Debt


There are several ways to quickly pay off debt, the main key is to take part in a relief program. The relief program or commonly referred to as credit restructuring is an improvement effort made by the Bank in credit activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several ways that can usually be done, for example by decreasing credit card interest rates, extending the loan tenure, reducing loan interest arrears, reducing loan principal arrears, adding credit facilities, and converting credit into temporary capital participation.

These methods are usually formed in several types of relief programs which generally can be obtained, for example: obtaining a discount on credit, deductions with extended installments, or a combination of both. Here is the third explanation   type of relief program from the bank :

One-time discount / discount

This type of lightening program makes customers able to get a discount with a nominal that is usually quite lightening.   As the name implies, even though the customer gets a discount in his debt (generally 20-50%), they must pay directly in one payment. In some cases, this one relief program can give cardholders a discount of up to 70%. It’s just that you have to have financial readiness so you can pay immediately. This type is certainly not suitable for those of you who do not have enough savings, which can be directly allocated to pay the remaining arrears that have been discounted in one payment. The main advantage that can be directly felt is free from the disruption of debt collectors and feel more calm because the debt has disappeared, because in one payment all payments can be completed.

Extended Installments with Low Interest

The second is to pay more lightly. Usually with this program customers can pay in installments at a much lower interest rate. If the normal interest currently running is in the range of 2.25%, then it is possible to get interest of only 0-2%. As with the installment tenure, you can pay in installments over a longer period of time. In some cases, you can repay up to 60 months (5 years).   Funds that need to be prepared to join this program are at least funds to pay DP (minimum 10% of total debt for a credit card or one month installments for KTA) or depending on the policy of the bank. The advantage of this program is that you can pay little by little without directly dredging savings. Unfortunately, high payment consistency is required. Once you miss a payment, the program will be considered a failure, and the total arrears will return to normal as if they didn’t get any relief at all.

Installment Discounts

For installment discount programs, you can usually benefit from the two types of programs above. But because of its combined nature, of course you cannot pay in installments throughout the installment program, generally as much as 6x payments. Likewise at discounts, you do not get a discount for a one-time discount program. This type of program is only available in some banks. In addition, the bank will also see the conditions experienced by the customer first. If the customer has supporting conditions that make it more difficult to pay off the debt, then it is likely that they can get this program (provided that the bank has the program).

End of Year is the Right Time to Be Free of Credit Card Problems


End of Year is the Right Time to Be Free of Credit Card Problems


After knowing the various quick debt-paying solutions you can take to welcome 2018 with a fresh start, this is a good time to take that step. Why at the end of the year or December is the right time to be free from credit card problems? There are several reasons behind it all:

Reason # 1: In order to be able to start a new beginning in 2018 more positively

Even though it is already at the end of the year, starting a strategy in paying off debt in the following year is the right step. At least, you already know how to deal with debt repayments in 2018. This can certainly make you more positive and can get ready from now on in seeing opportunities to seek additional income. For example, by becoming a freelancer or seeing opportunities to start an online business.

Reason # 2: Can Use the End of Year Bonus Well

In some companies, usually there will be a year-end bonus that can be obtained. Take advantage of this year’s end bonus as a way to get rid of bank debt. You can allocate bonuses to directly pay debts, so that it is not already spent on other expenses which are not priorities or even consumptive. That way, you can be wiser in managing monthly or year-end finances.

Reason # 3: Many Special Programs from the Bank

Some banks usually issue special programs that are more attractive and relieve you in paying off the remaining arrears. In addition, relief programs issued by banks are usually more special and may not necessarily appear in the usual months, because the year-end moments are often identified with the annual bonus. This is what usually makes the program more attractive, so that it can be adapted to the conditions of your debt. These forms of relief programs also vary. This offer is exclusive to Arsene Lupine international customers. Our experienced team is ready to help you free from credit card debt or KTA. If you want to find out what lightening programs are offered, you can contact Arsène Lupine so that you can consult your issues with us at once .

Arsène Lupine international   is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Arsène Lupine Indonesia helps clients through debt management programs, specifically designed to suit different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. The head office of Arsène Lupine Indonesia was established in Jakarta in 2015 by a founding team that has collective experience in finance including debt settlement for more than two decades. Arsène Lupine makes Indonesia the center of operations and is also a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Arsène Lupine Indonesia has become the first company in Asia to be accredited by the International Association of Professional Debt Arbitrators ( IAPDA ).

Your home loan: cheap and easy to borrow for your home! – Your Loan

Your home loan: cheap and easy to borrow for your home!

This year is really the time to buy a house. The interest on the home loans is so low that the interest remains limited. In 20 or 25 years it is still a considerable amount, but much less than a few years ago. Since you can borrow more, you can also borrow to perform repairs. Often houses are in good condition, but they still have to be modernized. And that also costs money. Find a cheap loan in the first place.

The Belgian has a real brick in his stomach and the real estate market is doing very well at the moment. There is a lot to buy and we also like to buy again. Lots of houses and apartments and with the low interest on housing loans, many people are looking for a house. If you ever wanted to buy your own house, now is the time because even with a modest income you can now buy a decent home. And if you need something extra to install new windows or drivers, you can borrow that.

Because many homes with a year of construction from 1915 to 1970 have a solid structure, but are not modern at all. Often there is still a heater on fuel oil or maybe already natural gas. That must be all your first concern and cost to change that to central heating on natural gas. Currently there are still premiums from the government for making your home energy efficient. Such as insulating and renewing the roof, double glazing and the like can still get a premium.

So be surprised by your borrowing capacity, because you will be able to borrow more if you thought so. So you do not have to rent forever or live with your parents. You will soon be on your own with your own house or apartment. If you borrow together with your partner, the options are even greater and you can purchase an even larger property. Because a bank counts the income of both partners together to calculate the capacity.

Apply loan via internet

Apply loan via internet

With a computer and internet connection it is really easy to apply for a loan or to inquire about the possibilities. Almost all banks have a simulation tool on their website, and you as a potential customer can make full use of it. By entering how much money you want to borrow and the term you want to pay off. These are hardly two details that you need to see a monthly amount appear. That amount also includes the costs that a loan entails. A bank is required to state all costs, including a simulation. So that the customer does not get sand in the eyes. You know where you stand and by seeing the costs you can also compare which bank has the lowest costs.

Ultimately, you have to go for a loan with the lowest costs. A loan is about money and the money is the same everywhere, but the costs can make a big difference. It can make a difference so that you can spend a little extra on other things every month. The costs for energy and heating increase year after year and that also affects the costs that you have every month. So if you can save on other things like loans, then you should definitely consider doing a proper comparison.

You can compare yourself by first starting to view your own income and expenses. How much do you earn and possibly your partner. Add those amounts together and also include other income such as rents or from an independent activity. You can do the expenses just the same. Rent or housing loan, electricity, heating, water, food, hobby, insurance, car costs and so on. Add everything together and see how much you have left. This can be a good benchmark to make the decision yourself. A bank will view this somewhat differently by calculating the risk that they have to you. The higher the risk, the less chance you have of getting a loan.

The cheapest loan can certainly be found and you too can claim it. If you do not have time to sort this out yourself, this article can help you with this. All the necessary information has been compiled here with the greatest care. Don’t wait any longer to apply for that loan.