In Croatia, more than 45,000 people live on a minimum wage, which translates into barely USD 3,200 in gross wages, which is the statutory minimum wage for 2017. In comparison, the average consumer basket amounts to about 6000 kuna, which is twice the minimum wage.
It is therefore not surprising that the constant demand for loans, loans and loans. This choice is no longer reserved only for the poorest citizens, but also for the middle class. Formerly wealthy citizens are now patching up and in emergency situations looking for a solution in banks and credit houses. A good choice is loans to the rest of the income .
What are loans to the rest on the proceeds?
Loans to the rest of the proceeds are cash loans that the customer can realize despite the fact that the suspensions exceed one-third of their current net earnings.
Credit is not limited by current debt. This means that if the client has a high enough income, he / she can realize several loans for the rest of the income. It is important that he regularly settles his debts. A client who regularly does this and has a high enough income is not subject to the statutory minimum.
Who is all the candidates for the rest of the loan?
An application for a loan for the remainder of the income may be submitted by workers employed for a minimum of six months on a permanent basis and by pensioners. The application can be made by employees of crafts and large and small companies, but with an emphasis on permanent employment.
This applies primarily to banks that did not recognize part-time workers as potential clients. Loans to the rest of the income are intended for use by workers and pensioners. Most banks, credit and financial institutions range from 55 to 85 years of age. This basically means that the client must not be more than 85 years old at the time of claiming the loan for the rest of the income. Some banks, however, have a different attitude, so at the time of repayment of the loan to the rest of the receipt may not have more than the allowed 85 years of life. However, it all depends on the conditions offered and the policy of the bank.
In addition to pensioners who have pensions in local currency, pensioners with a foreign pension can apply for the remainder of their income. They are welcomed in credit houses that have adapted their business and the older age group, listening primarily to their needs. Unlike banks that require loan beneficiaries to have their residency registered in Croatia, other credit institutions require foreign pensioners with a foreign pension only to have an open account with regular income.
Credit to the rest of the proceeds – Obstacles to realization
Citizens who are in lockdown or under foreclosure are not able to obtain credit for the remainder of their income. In this case, the realization of the loan is not possible, as well as in the case when the account is protected.
In this case, you need loans without credit worthiness at one of the financial corporations that do business by check.
Loans to the rest of the proceeds are given for a short repayment period
Loans to the rest of the proceeds are repaid in the maximum amount of USD 60-70 thousand, all with a maximum repayment period of seven to eight years.
This type of loan is short-term, with interest rates ranging from 6.5 percent to 8.5 percent. Given the short repayment period and the cost of the loan are minimal which suits the needs of the clients.