Artiaga payday loan

A payday loan from GAD represents a professional solution that can be used for anything. Loan suitable for all natural persons residing in the Czech Republic. You can earn $ 30,000 to $ 2,500,000 with a maturity of 8 years, which gives you the choice of monthly payment size.

Without unnecessary sanctions

Artiaga is generous to its clients, so it does not require extra unnecessary fees. For example, partial or total premature payment of the amount due is forbidden from absurd payments. A variety of things can be used to secure a personal loan.

Bet on speed and low rates

Enjoy fast credit processing and add minimum interest rates to help you pay CZK 100,000 by installment of CZK 1,370.

Payout table

  The amount of the loan Repayment period Monthly payment Interest* RPSN * Total *    
  30 000 CZK 24 months 1 383 Kč 5.9% 7,78% 32 389,75 CZK I am interested in  
  100 000 CZK 48 months 2 389 Kč 5.9% 6.33% 113,056.27 Kč I am interested in  
  500 000 CZK 60 months 9 784 CZK 5.9% 6,10% 579 368,37 CZK I am interested in  
  CZK 1,500,000 96 months 19,802 5.9% 6.07% CZK 1,886,486.22 I am interested in  

Loan amount: 30 000 CZK Repayment time: 24 months Fee: 1 383 CZK Interest *: 5.9% RPSN *: 7.78% Total *: 32 389,75 CZK I am interested in Loan amount: 100 000 CZK Repayment time: 48 months Fee: 2 389 CZK Interest *: 5.9% RPSN *: 6.33% Total *: 113,056.27 CZK I am interested in Loan amount: 500 000 CZK Repayment time: 60 months Fee: 9 784 CZK Interest *: 5.9% RPSN *: 6,10% Total *: 579 368,37 CZK I am interested in Loan amount: CZK 1,500,000 Repayment time: 96 months Fee: CZK 19,802 Interest *: 5.9% RPSN *: 6.07% Total *: 1,886,486.22 CZK I am interested in

A personal loan of CZK 100,000, maturing at 8 years, will be linked to an interest rate of 4.9% and an APR of 5.15%. The first installment will be CZK 258.61, all other CZK 1 273 and the last CZK 1,167.20. You will pay a total of 121,577.81 CZK. The conditional fee is 490 CZK.

frequent questions

What are the benefits of a loan from Artiaga? You do not pay for a loan. You choose your maturity date and settle your installments to suit your needs. Without penalty, early payment can also be made. How can a loan be secured? Most often it is a guarantee. Other products, such as building savings or other deposits with Artiaga, can also be used. Who is the loan for? They are long-term residents with regular income in the Czech Republic. Money must be used for non-business activities. Loan Amount 30,000 – 2,500,000 CZK Maturity 12 – 96 months Interest from 5.9% RPSN from 6.07%.

Follow-up financing test 2015: secure low interest rates permanently

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In the current financial test, the experts of the Stiftung Warentest examine the cheapest offers for follow-up financing for real estate loans. For homeowners in addition to Volltilgerkrediten also forward loans in question. Due to the low interest rates, the conditions are cheaper than ever. The potential savings are often in the five-digit euro range.

The new follow-up financing test of the Stiftung Warentest (loan issue 05/2015) not only awards the cheapest offers for follow-up loans. The experts also show different ways to profit from the currently low interest rates . Because not only the homeowners, whose first financing expires in the next twelve months, can now take care of their follow-up financing. With a forward loan, good interest rates can be secured up to sixty months in advance .

Follow-up financing test: This is how Volltilger and Forward loans work

In the follow-up financing test of Stiftung Warentest the focus is on two forms of financing. If the initial funding expires within the next twelve months, the Volltilger loan is recommended . A repayment installment is agreed with the bank, which ensures that the loan is paid by the end of the respective fixed interest period. This results in very high repayment rates, especially at the beginning. For Volltilger loans are particularly favorable .

Homeowners whose initial funding is still between thirteen and sixty months also have the opportunity to negotiate the conditions for their follow-up financing. The forward loan will secure the low interest rates for a period of up to five years from the signing of the contract . Although the bank requires a premium for this interest rate guarantee. However, if the general level of interest rises in the agreed period, then this protection pays off for the homeowner – because the bank still has to offer financing at the contractually agreed terms.

Follow-up financing test: Homeowners can save further

In the follow-up financing test 2015 Stiftung Warentest shows: Despite the very low overall interest rates consumers should not choose the first offer. Because there are still big differences in the exact interest rates. For a 120,000 euro loan, the extra costs can quickly amount to over 18,000 euros .

These are the best deals for a 15-year term:

  • without lead time: Sparda Hamburg (from 1.20 percent)
  • 2 years lead: Sparkasse Bremen (from 1.52 percent)
  • 3 years: DTW, Hypofact (each from 1.75 percent)
  • 4 years: Baufi Direkt, Haus & Wohnen, Sparkasse Bremen (both from 2.01 percent)

Follow-up financing without state funding

Who hopes to be able to complete the follow-up financing with the state Riester subsidy is disappointed . The Stiftung Warentest has found in their investigation, not a single nationwide Wohnriester loan for follow-up financing. However, Riester loans are also difficult to find for the initial financing of a property . In the follow-up financing test, however, not all regional providers have been scrutinized. It therefore makes sense for consumers to inquire about Riester loans from regional credit institutions.