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Dragi locuitori ai României, amintiți-vă că sunteți aici pentru voi înșivă și pentru fericirea voastră în această lume și pentru a trăi fericiți alături de ceilalți...

Acum, la subiect, iată câteva exemple de motive pentru a lua un împrumut: Achiziționarea unei proprietăți sau a unei mașini.

Plata pentru educație. Renovarea locuinței.

Acoperirea facturilor medicale.

Consolidarea datoriilor: (combinarea mai multor împrumuturi într-unul singur).

Achiziții mari: (de exemplu, electrocasnice sau mobilă).

Finanțarea afacerilor: (uneori). Crearea unui „fond de siguranță”: în caz de cheltuieli neprevăzute.

Solicitați informații referitoare la creditarea

👉 https://is.gd/ilm1VG

🔻Restrukturyzacja: Zawieranie nowej umowy z zmienionymi warunkami, na przykład, wydłużeniem okresu spłat lub obniżeniem stopy procentowej.

✅ Refinansowanie: Zaciąganie nowego kredytu w innym banku w celu spłaty bieżącego zadłużenia na korzystniejszych warunkach. Wakacje kredytowe: Okres, w którym można nie spłacać kredytu lub obniżyć kwotę rat. Jest to możliwe, jeśli twoje dochody spadły o ponad 30%.

Zbadaj inne opcje:

✅ Znajdź dorywczą pracę i oszczędzaj: Znajdź dodatkowe źródło dochodu i zrezygnuj z niepotrzebnych wydatków, aby przeznaczyć wszystkie zaoszczędzone środki na spłatę długu.

🌟Upadłość: Jeśli długów nie można spłacić w żaden inny sposób, można je umorzyć poprzez procedurę upadłości fizycznej. Pozwoli to na umorzenie nie tylko głównego długu, ale także odsetek i kar. Jeśli potrzebujesz pomocy w sprawie kredytów i informacji, asystent z telegramu ci pomoże.

Eestis on tarbimislaene saadaval erinevates finantsasutustes ja tingimused võivad erineda.

Tavaliselt on laenu taotlemiseks vaja minimaalseid dokumente ja protsess võib toimuda täielikult veebipõhiselt, ilma et oleks vaja tagatisi või käendajaid.

!!! Peamised nõuded laenuvõtjatele:

Alaline elukoht Eestis ja Eesti kodakondsus või elamisluba. Vanus 18 kuni 75 aastat. Stabiilse ja kinnitatud sissetuleku olemasolu. Varasemate laenude võlgade puudumine ja negatiivse krediidiajaloo puudumine.

Eesti tarbimislaenude intressimäärad võivad sõltuvalt laenusummast, tagasimaksetähtajast ja konkreetse laenuandja poliitikast oluliselt erineda. Aastane intressimäär võib ulatuda 8,9 protsendist kuni 45,92 protsendini.

Külastage neid veebisaite, et tutvuda laenuprogrammidega:

Sait 1

Sait 2 ja Sait 3.

Many people don't understand or misunderstand the difference between trading and investments. Some people think that they are the same thing. In fact, there is a big difference between traders and investors.

Traders (also called speculators) rely on technical analysis in their work. They constantly monitor the chart and look for signals to buy or sell using various technical indicators and techniques. The trader's goal is to capitalize on the difference between buying and selling.

Traders can make dozens or hundreds of trades per day. Of course, not all of them end in profit. At the same time, for each transaction a trader (as well as an investor) pays a commission to the broker. Due to the large number of deals, a large commission is accumulated.

Traders often use leverage (borrowed funds) to increase profits. But it also increases losses up to zero of the trader's trading account.

Another peculiarity of traders is opening short positions (shorts). This means that they sell securities, which they are obliged to buy back later. This technique is used if the trader is sure that the price of a stock will fall. Trading can be compared to a roller coaster. Today you can make a good profit and tomorrow you can lose just as good. Try to understand everything, read literature.

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Investors, unlike traders, use fundamental analysis of a company's stock rather than technical analysis. This means that they evaluate the company as a business.

They study financial indicators such as profit, business profitability, equity, debt load, etc. All the information they need is in company reports.

This doesn't mean that investors don't need charts. The share price displayed on the chart is very important. It is used to calculate various indicators - multiples that tell whether a stock is overvalued or undervalued.

You can start each of your analysis of a stock by reviewing the chart over many years. This gives you an idea of whether the stock is at a low or a high. Then move on to analyzing the financial health.

At first glance, this seems complicated. Don't be afraid of that phrase - fundamental analysis. You will come to realize that it provides the most accurate information about what you are paying money for.

If you compared trading to a roller coaster, then investing is similar to a quiet journey on a yacht on a calm ocean. However, there are storms on it too. And in order to overcome them with minimal losses, you need to learn how to invest.

El Banco de España ultima una circular que modificará la regulación de la Central de Información de Riesgos (CIR), el repositorio donde las entidades bancarias españolas declaran todos los datos sobre las operaciones financieras relevantes que mantienen con sus clientes y a donde pueden acudir para consultar el nivel de endeudamiento y solvencia de cualquier persona.