Direct Instant Payday Loans -Dorfschaenke.Net Fri, 19 Jul 2019 16:31:02 +0000 en-US hourly 1 Direct payday loans- Simple application process with payment direct payday loan Fri, 19 Jul 2019 16:31:02 +0000 The simple & secure application process with payment direct payday loan Online payment direct payday loan is a loan facility…

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The simple & secure application process with payment direct payday loan

Online payment direct payday loan is a loan facility funded by financial service providers, try this. This type of financing is widely known to the public as the financial technology (fintech) company. In this discussion, we will raise the topic of online credit through the application.

In terms of choosing a trusted online credit application, you should prioritize those already registered with the Financial Services Authority (OJK). This aims to minimize the risk of fictitious transactions or illegal interest rate calculations.

What are the online credit applications that you can rely on to apply for a loan? Let’s check one by one in the following discussion.

1. Credihuy

Credihuy is an online credit application that provides two products, namely installments without credit cards and online cash loans.

Installments without credit cards from Credihuy make it easy for debtors or borrowers to buy or shop for goods online on e-commerce. This product can provide 0% interest, provided that the installments can be paid for 30 days. Whereas for installments of 3 to 12 months will be charged an interest of 2.95% per month.

Online cash loans at Credihuy are divided into two types, namely:

  • Mini loan.
  • Jumbo loan.

Mini loan

The mini loan has a time limit of up to 30 days by providing a funding range of IDR 3 million to IDR 30 million. Interest on mini loans can be divided into two types, namely interest at 4% if the borrower uses a 30-day tenor and interest of 2.95% for borrowers who choose a tenor of more than one month.

Products from this mini loan will also be subject to a 6% administration fee for the debtor loan amount.

Jumbo loan

Jumbo loans have a minimum limit of Rp1 million and a maximum of Rp30 million. The maximum cash loan limit will be adjusted according to the six-month tenor limit in your Credihuy account. Interest for this jumbo loan is 2.95% per month and will be subject to a 6% administration fee in advance for the amount of the debtor loan.

The conditions for being able to access online credit applications at Credihuy are:

  • You must be an Indonesian citizen who has a KTP and is 18 to 60 years old.
  • Have a job and earn a minimum of IDR 3 million per month.
  • Based in Greater Jakarta, Surabaya, Medan, Bandung, Semarang, Palembang and Denpasar.

2. Housing Loan

2. Housing Loan

Housing Loan is a finance company that previously used an offline mechanism. At present, Housing Loan has an online application that is freely accessible to the public.

The credit limit at Housing Loan ranges from IDR 750 thousand – IDR 20 million. The tenor is around 10 months to 18 months with interest rates starting at 0% per month.

No need to be complicated, the requirements to access it are enough to show:

  • KTP.
  • Driving License (SIM).
  • Have a job with a steady income.
  • Saving book.
  • Family card.

3. TutooKa

The online credit application TutooKa is a product of Amar Bank with a loan of Rp20 million.

The application decision process in TutooKa only takes one day. In fact, the process of disbursing online credit applications generally takes up to three days.

TutooKa products do not provide a large interest rate each month, which is only 3% per month. However, if there is a delay in paying installments, a fine of 0.16% per day will be imposed.

The online credit requirements at TutooKa are not very complicated, including:

  • ID card from the borrower.
  • The borrower must have a job.
  • The lowest fixed income is IDR 2 million.

4. Bungades

Bungades is a loan service whose application is based online. Loans at Bungades reach a maximum of IDR 8 million with a tenor of 1 to 6 months and interest reaching 0.33% per day.

Online credit in Bungades does not need to be complicated, just fill in personal data in your mobile application and wait for the verification process that does not take long. When it has been approved, it will get a loan in less than 28 hours.

Requirements for borrowing at Bungades include:

  • 21 to 50 years old.
  • Have a job as a public or private employee.
  • Based in Jabodetabek.
  • Has a minimum fixed income of IDR 3 million.

5. Credit Glober

Credit Glober is an online-based loan application whose main mission is to facilitate borrowers. Through this application, you can choose the amount and tenor of the loan according to your personal needs and desires.

Credit Glober application has a loan nominal of around Rp 200 thousand to Rp 2 million. The tenor offered can be chosen for 14 days to 3 months, with an interest rate of 0.5% per day.

The conditions for borrowing are quite easy, namely:

  • You must be at least 18 years old.
  • Photo ID.
  • Have a job and a steady income.

After all the requirements are met, then just wait for the verification process to complete. After that, loan funds from Credit Glober are sent directly to your account.

6. AminTo

AminTo is an online credit application in the form of installment services without credit cards and cash loans. Now, these applications are currently circulating in the community.

The online credit process at AminTo does not reach one day with a range of loans ranging from IDR 2 million to IDR 25 million. Online credit at AminTo can also be spent on several e-commerce sites, such as Lazada, Tokopedia, Bukalapak, Shopee, Blibli, and others. That way, the borrowers are expected to be spoiled with goods sold in e-commerce.

Regarding the number of cash loans at AminTo, you can get funds ranging from Rp. 500 thousand to Rp. 2 million with a tenor of 40 days. The borrowed money can be disbursed directly to your bank account in just five minutes.

The interest rate given by my account is 0.8% per day. If there is a delay, a penalty will be imposed in the form of charging an interest of 1% per day.

To get online credit access at AminTo, you must have:

  • e-KTP.
  • Prospective borrowers must have a minimum age of 23 years.
  • Must have a payslip or employee status.

With this concise article, it is hoped that it can help the public in choosing reliable online credit applications and have competitive interest rates.

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Current Interest Construction Loans Sun, 14 Jul 2019 03:18:51 +0000 Short-term interest building loan Low interest rates should be secured as long as possible; if, on the other hand, there…

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Short-term interest building loan

Short-term interest building loan

Low interest rates should be secured as long as possible; if, on the other hand, there is hope for more attractive conditions in the future, a shorter fixed-interest period is advisable. Eurieko sets interest rates on bank loans when banks lend money to each other. There are two things to keep in mind when it comes to interest on a construction loan: In addition, the construction interest also depends on the current interest rates of mortgage loan. Just ask him what the current interest rates on construction loans are and how he estimates the development of interest rates on construction loans.

Home savings calculator – Compare current interest rates on the Internet

Home savings calculator - Compare current interest rates on the Internet

You can calculate the current daily rates for mortgage lending on the Internet and provide the cheapest service provider for your construction project. It is recommended to obtain a non-binding construction loan offer from various service providers and to go through it in peace and quiet. Some decide to build a new building, others are interested in renovating an existing one.

In both cases, they can hardly avoid taking out a construction loan. The interest rate on construction loans has fallen sharply over the past twenty years. Although there is currently a slight upward trend, various financial market experts do not expect that there will be significant interest rate hikes in the coming weeks. The same applies if you choose a loan company with a local branch network, if you prefer a personal advisor.

Find out in detail in a first interview and how long the current interest rates are valid. If possible, builders or purchasers of existing real estate should contribute to an equity share of ten or even twenty percentage points. Not only does this significantly reduce the loan amount, but the building owners also participate in low-interest loans, as the credit default risk is not that high.

If z. For example, if the Bauspar contract does not reach maturity for five or six years, it may be used for an unscheduled repayment. It may also be possible to request relatives for a loan. The latter will then accept the repayment of the remaining debts or at least one amount fixed at the beginning of the contract, for example EUR 100,000, following the death of the persons concerned.

But this is also possible in low-interest phases. If you are z. For example, if you have decided on a full repayment loan, you can not only plan a 10-year contract period, but also a longer-term one. Such a document can also be used over a longer period of 25 years. If the interest rate is higher at this point in time, do not give up on the loan being repaid while you take out a follow-up loan at lower interest rates.

For the renovation or renovation of your property, you also get cheap building loans, which must not even be recorded in the cadastre up to an amount of EUR 50,000. You will also find out here which regional subsidies are available for the conversion or expansion of an existing property. Intrasavings-Bank offers funding opportunities both for new construction and for the purchase of existing real estate.

So anyone who wants to renovate an existing property, z. For example, the programs Energy Efficient Rehabilitation – Loan 151 or Energy Efficient Rehabilitation – Investment Allowance 420. The maximum loan amount is EUR 60,000 per apartment unit and measure or EUR 75,000 if you convert the property into a Intrasavings Efficiency House. At the same time, it is possible, under certain conditions, to receive a repayment subsidy of up to EUR 13,125.

Otherwise, you can also make an investment contribution of max. EUR 18,750, which makes it possible to link up with other funding programs. If the refurbishment is supported by an expert or an energy consultant, Intrasavings-Bank will contribute 50 per cent. The maximum amount is EUR 4,000. However, this support is only granted in conjunction with other measures such as the Energy Efficient Renovation Loan 151.

When converting an existing property, such as the replacement of a heater, all show windows, but also the optimization of the thermal insulation effect are allowed. For example, an energy supplier, but also an expert and many local craft companies, which have focused on the construction and renovation of apartments, but also on the electrical installation, provide more detailed information.

If you are z. If, for example, you have opted for a Intrasavings Efficiency House 55, you will receive a maximum repayment subsidy of EUR 2,500 on the Intrasavings loan. These can z. B. a heating pump, a Holzpellet- or biomass heating system, a mounted on the house roof solar technology for an optimized outer wall insulation, roof insulation and roof windows with triple glazing and additional special frame can be used.

As part of the “Energy-Efficient Living – Loans 153” funding program, the construction of a Intrasavings Efficiency House with a maximum loan of EUR 50,000 per dwelling unit is being promoted. At the same time, a repayment subsidy of no more than EUR 5,000 will be paid under certain conditions. The “Intrasavings Housing Program – Loan 124” can be used to finance both home ownership and flood damage.

The maximum loan amount is EUR 50,000 per project. This also applies to the purchase of an existing property. Anyone who has built or bought his property ten years ago should now look for a favorable refinancing. It should be noted, however, that credit institutions charge interest on advances, as they expect regular interest income and repayments.

For this reason, a precise statement of the prepayments to be paid must be arranged and offset against the expected interest savings. If there is still a difference, you should try to repay the current building loan. What are the advantages and disadvantages of a forward purchase? If you want to hedge the current loan interest in advance, a term loan can be beneficial for you.

This has the great benefit that it can be claimed under the current conditions, but only in a maximum of six years. The interest premium payable for this is only slightly above the current interest rate. If you expect mortgage rates to increase again in the future, you can relax and settle down, as this has no impact on the term loan business.

Of course, it can also be used for other purposes than intended, eg for renovation and renovation work. As you can see, there is a wealth of funding available for your construction project or the acquisition of an existing property. Take advantage of the opportunity and inform yourself in detail about the current interest rates of the various institutions. If you are still looking for a suitable property or construction site, you should also consider their offers.

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How the Personal Payday Loan Works: Understand everything about the operation! Sun, 23 Jun 2019 15:38:21 +0000 Do You Know How The Personal Payday Loan Works? It is payroll loans for INSS retirees and pensioners with low…

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Do You Know How The Personal Payday Loan Works? It is payroll loans for INSS retirees and pensioners with low interest rates and easy payment conditions.

Know the characteristics of this type of credit and its main advantages.

How Does Personal Payday Loan Work?

How Does Personal Payday Loan Work?

Personal Payday is directed exclusively to INSS retirees and pensioners, federal, state, municipal and military civil servants and pensioners of the Armed Forces, since they are people who have a fixed income for life .

This is an essential requirement due to the way payment of the loan modality occurs. Learn more details:

How does the payment work?

How does the payment work?

The payment of the payroll loan at Good Finance Personal Payday is deducted automatically from the applicant’s monthly income, according to the assignable margin. That is, only 30% of the salary the benefit of the client can be directed to the payroll deductible loan.

Thus, delays in payment of the invoice are avoided, and consequently, that the applicant is in default in credit protection agencies.

For more information on the operation of the assignable margin, read the post: Margin: What is it, how to calculate it and what are the advantages?

Interest rate

The low interest rate loan interest rate at Personal Payday Bank is one of the most attractive hiring advantages offered by institutions. This is because the repayment of the loan installment is automatically charged to the borrower’s income, which provides low default rates.

Thus, Personal Payday has greater flexibility to reduce interest rates. They reach about 2.12% per month .

Advantages of applying for payroll at Personal Payday

Advantages of applying for payroll at Personal Payday

Check below the advantages and benefits of applying for the loan at Personal Payday bank:

Pre-fixed pitches

In the loan at Good Finance Personal Payday, you have installments and fixed amounts. That is, from the moment the loan is contracted, you are aware of the portion value, in addition to the CET (Total Effective Cost) of your loan. So you do not have to worry about surprises.

Available for negative

At Good Finance Personal Payday, you do not have to worry about credit protection agencies like Serasa / SPC. Thus, even those who are negativado in the market can request the extra credit, without dealing with bureaucracies .

Contracting for non-accounting

Unlike many people think, it is possible to apply for a paycheck loan in Personal Payday and take advantage of the benefits offered by the financial institution, even if it is not an account holder.

Bank Loan Loan

Bank Loan Loan

Good Finance Personal Payday offers a 100% online contracting option, by site or application, in a simple and fast way. Check out the advantages of this process.

When applying for a payday loan online you have more comfort and practicality. This is because it is no longer necessary to travel to one of the physical agencies or correspondent banks. So you have the freedom to apply for extra credit when and where you want .

Hiring the loan at Good Finance Personal Payday online is simple, in addition to offering greater agility for the client. Well, you do not need to worry about a bureaucratic procedure. And unlike the face-to-face hiring, in an average of 3 to 5 days the loan amount is available to you.


Understanding how the Personal Payday loan works, it becomes easier to know the benefits offered by the institution. So read the post: Personal Payday Loan Online Loan: Know the reasons to apply and know the main reasons to hire your loan in Personal Payday.

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Family loans | children loans Sun, 23 Jun 2019 03:50:54 +0000 A family loan is a great thing! Family bond With its family loan for small and medium-sized households, Munic Bank…

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A family loan is a great thing! Family bond With its family loan for small and medium-sized households, Munic Bank makes it easier to fulfill their wish to own their own home. The loan is best tailored to your needs. With the family loan of the Munic Bank, the way is clear for your dream property. The financing option is perfectly tailored to the needs of the family. When will you receive a family loan from Munic Mortgage?

Especially for low-income households, the family loan of the Munic Bank facilitates the realization of their dream of owning their own four walls. You have at least one baby for whom you receive child-care allowance. For every additional child the earnings limit rises by 5,000 EUR. The loan may only be used for land that you share.

Family loans – you should pay attention!

Family loans - you should pay attention!

There are several lending trends, one of which is certain that consumers in need of credit are increasingly looking for an alternative to traditional bank lending. For example, the credit markets are expanding, opening up the possibility for private individuals to lend money through a private lender. Today, credit institutions, car dealers, dealers, entrepreneurs and even family members can act as lenders.

Especially when you are rushing to lend or perhaps because of a bad Schufa entry, there is the dilemma that lending to a house bank is rather unusual and the consumers are looking for countermeasures. Because larger purchases such as a car in the family and relative circle are often discussed, z. From the side of the grandfather or the housewife quickly the idea of ​​helping the grandfather or the housewife.

Therefore, it is particularly important for the lender to have legal certainty, at least through the financing contract. But for the borrower as well, the contract has an advantage because it contains all the key figures on the loan, so that in case of misunderstandings or discrepancies, no serious problems between the family members occur later.

Unlike many other contracts, it is not necessary that the loan agreement be created on the PC or even notarized or authenticated by a notarial office. Rather, it is sufficient if the letter of credit agreement is recorded from the outset on a commercial format in A4 format. However, it should be ensured that the font is easy to understand, so that there are no doubts or misleading details in the order.

Personal loan agreement

Personal loan agreement

The number of ratios and information, which ideally should also be included in a personal loan agreement, is large. This, of course, also includes the loan amount that was ultimately paid by the grandfather to his grandfather, for example. The timing of the disbursement is particularly significant, and in case of doubt, the lender should also be able to prove that he has paid the loan amount indicated in the loan agreement to the borrower.

Such a loan agreement, the z. For example, if you are a family member, it is by no means a letter of no confidence. Instead, the loan agreement is a legal security for both sides, because of course no one can rule out the further development that it could lead to disagreements or even disputes.

Key figures that include the aforementioned loan amount are the payout date, the agreed interest amount, the repayment period, and any procedures if the borrower prematurely terminates the loan agreement. Under no circumstances may the signing of the two parties to the loan agreement be omitted, because only under this condition is it legally valid without any further restrictions.

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Opposition Period Mortgage Loan Wed, 05 Jun 2019 03:21:15 +0000 Revocation term Mortgage loan Even after payment of the early repayment penalty an objection has been raised or with the…

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Revocation term Mortgage loan

Revocation term Mortgage loan

Even after payment of the early repayment penalty an objection has been raised or with the revocation joker and a lawyer you can withdraw from your current mortgage lending. What should I look for when considering high-end mortgages?

If the property was not depreciated by the time of retirement, the retired homeowners would have to dissolve their own home in extreme cases. What measures should mortgage lenders take to prevent economic problems in old age? Financing your own home becomes more and more complicated as you get older. In granting mortgages to persons over the age of 55, credit institutions are becoming ever stricter.

Calculate Creditworthiness

Calculate Creditworthiness

To calculate creditworthiness, institutions calculate the ratio between households’ gross incomes and mortgage costs, as well as any associated additional costs. A mortgage loan is considered transferable if the operating costs do not exceed one third of the gross earnings. The financier of a property should, therefore, as early as possible deal with the topic of mortgage repayment and future pension income.

The purchase of a property is a lifelong decision-making and involves a high cost. Even if the pension still seems far away, it is very meaningful to think about the possibility of the full mortgage of the mortgage already at the acquisition of the property. The right to unscheduled repayments should already be set when the mortgage loan is concluded.

All options for maximum repayment of mortgages should be exercised while still in working age. The premature reduction of the mortgage debt increases the credit rating in old age. An object is only a good precaution if it was paid before retirement. However, one in four property owners in Germany still have to pay off their household mortgage on reaching retirement age.

Anyone who makes good financial provision for old age can at least pay the financing. For carefree living in old age, most German citizens conclude a private or occupational pension insurance. With contributions to the third pension pillar, Switzerland not only creates old-age savings, but also tax savings.

Retirees have the opportunity to increase their credit rating, if the little ones with their salary secure and so give the credit institutions additional collateral. He guarantees the lenders the repayment of the mortgage debt. The other option to secure the house is the transfer of ownership to the offspring. This requires the approval of the mortgage lender.

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The 5 Magic Issues in Bank Loan Negotiations Sat, 04 May 2019 06:42:27 +0000     “What is the magic word?” Do you remember this question the parent asked for your child? To teach…

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“What is the magic word?”

Do you remember this question the parent asked for your child? To teach him what? Pray and apologize.

Well, when it comes to negotiating with a bank – just forget about these magic words – “please” and “apologize”.

I have better and I can assure you that they sometimes do miracles. If anything else, they can at least open you like a magic stick to the doors of information hidden to you right now.

And every person who has or intends to take a bank loan needs just three simple things to avoid an unexpected financial trouble:

  1. All the information on which his decision depends.
  2. Information should be given to him in a clear and understandable way.
  3. Get the information on time.

I would like to state clearly that bank employees (in particular, credit inspectors) are very rarely lying to their clients!

I sign under these words.


But, on the other hand, these same employees often:


But, on the other hand, these same employees often:


  1. Submit only part of the information.
  2. They do not explain – sometimes deliberately, but most often – because they do not understand everything.
  3. They give all the necessary information to the customer, but … “an hour per scoop” or “follow-up”.

How do you handle this situation? How do you know if you are saving important information, whether you have received it in a timely manner, and whether – in the end – did you really understand what the speech is about?


Here are the magic words. More precisely, the magical questions:


Here are the magic words. More precisely, the magical questions:


  1. Is there any other option / option?

Most people agree with the first one offered by the credit inspector. And here I am not talking about interest, but above all about the additional conditions for a loan. For example, property and life insurance or monthly bills on wage accounts, which often have different charges. Credit inspectors are trained to offer fixed and “forget” other options. But that does not mean that options do not exist.

Example: You want to know what your insurance property is for your mortgage loan. They offer a 5 year insurance package / prepay for 5 years /. If you do not ask if there are other options, you can not understand that you can also prepay for the whole period (option 2), but you may also pay monthly – no prepayment / option 3 /. Why then do you offer only option 1? They will say that “with the preferential terms you have given you, you can only use option 1”. So “do not want to burden you” with the other options. That your credit inspector is careful not to be burdened is good, but is it not better to know that there are other options?

  1. Can you without it?

My favorite question! You will be surprised at how many “can you do”. You just have not thought to ask. If you go back to the life insurance case: did you think you might ask if you can and without insurance. I’m not saying that insurance is a bad thing, but you can already have one and it will do your job. You may have some other reason not to want insurance. Yes, in some cases, if you get rid of “this”, your interest rate may rise. But the question is – how much? Sometimes raising is so symbolic that you absolutely deserve to lose extra products if you do not really need them. There are also cases where – for certain client accounts – the unwanted product can be removed and without affecting the interest rate.

  1. What does this mean to me?

Ask people! There are no stupid questions. What does it mean for you personally the condition that the bank puts, and not – in general, what it means. If it has not become clear to you as a 5-year-old child – ask! Ask, because after signing it will be too late. Because you will pay. Some – a whole life.

  1. What’s next, and how much will it cost me? Is this everything to come? What should I do? What should I pay / ?

Many consumers are grappling with the endless borrowing of borrowing, and they are unintelligible at all. Neither as a cost, neither as a process nor as a time to separate. The question “What’s next?” Will open new worlds of information. It will not always please you, but clarity is always strength.

  1. Is there anything else I need to know?

Ask this question when everything is fine and finished. You will wonder how successful this issue is for amnesia. If you get an answer: “At this stage – no!”, Know that you are dealing with a cunning player. He neither lied to you nor gave you all the information. In this case, return to question 4 and continue the game of questions.

What to do if you have no time, nerves, or feel insecure to participate in such a cat and mouse hunt?

Assign it to someone who likes to play this game or the best! – Make sure you really need this credit.

However, if you already have a loan and have to negotiate with your creditor for better terms, prepare well . Only these 5 questions, no matter how magical they are, will not do the job.


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Your Financial Investment Advisor – Bank Loans Tue, 23 Apr 2019 14:36:52 +0000   The essential You have an investment pocket for each of your projects, within the same life insurance policy. We…

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The essential

  • You have an investment pocket for each of your projects, within the same life insurance policy.
  • We secure your investments over time, according to your investment objectives.
  • The fees are on average half as much as in a bank and we are completely independent.

When we created Nalo, we came to the conclusion that most investment services were too expensive, of poor quality, and lacked transparency. We have created a service that better meets the needs of savers. A tailor-made investment service, independent, sophisticated and intuitive. Here is what sets us apart.

We offer a truly personalized advice

 We offer a truly personalized advice

To meet the promise of a tailor-made investment, we invented the investment by objectives. Investing by objectives means having a heritage strategy for all the key moments of your life. It’s preparing a birth or planning a real estate purchase. It’s investing for your retirement, or anticipating your estate.

Nalo allows you to organize your wealth according to all of your financial goals. For all your projects, you have an appropriate allowance within the same life insurance policy. You benefit from the tax precedence of the contract for your current and future projects. Finally, be aware that we adapt our investment strategy according to the type of project you have.

Learn more about investing by objectives

You can also choose an investment portfolio that is complementary to your other financial assets, for example by excluding the real estate assets of your life insurance. You can also choose a portfolio that corresponds to your convictions by choosing an eco-responsible allocation .

Learn more about green and socially responsible investments (SRI)

We have a strategy for all your projects

 We have a strategy for all your projects

To better manage your risk taking, we operate a progressive security of your investments. For example, if you want to invest to prepare for retirement, your risk will be substantial during your working life, with a significant potential for gain. When you approach retirement, the shares of your portfolio will gradually give way to bonds, less risky and the fund in euros, whose capital is guaranteed. Thus, you can take risks to have a significant potential return, but you are not likely to suffer a big loss when you need your money.

For more efficiency, this progressive security depends on the chosen projects, whether it is to constitute precautionary savings, to value your capital in the short term or in the long term, or to prepare the purchase of a home, we have a tailor-made strategy.

Our team accompanies you


Our team consists of experts from their respective fields. Financial engineers and wealth management advisors, as well as computer engineers and web designers. Together we work to offer you the best of investment.

Our financial advisors are at your disposal to assist you in the realization of your investments. You can also take advantage of our premium offer, free from 250 000 € of managed savings. A private counselor then accompanies you in all your patrimonial steps: patrimonial balance sheet, IR and ISF reduction, real estate investment, succession … .when necessary, we put you in touch with an expert of our network (tax lawyer, accountant, real estate agent or notary).

Our technology is smarter

 Our technology is smarter

The technology developed by Nalo is the only one in France to allow you a multi-pocket management, that is to say to have several benefits within the same life insurance policy.

In addition, the use of algorithms allows for more efficient monitoring. If your portfolio deviates from its target allocation, we rebalance automatically. Our market indicators, updated daily, make it possible to be reactive in the event of a cyclical change.

Our management method is more efficient

Our management method is more efficient

For a long time, asset management has been described as a profession of conviction rather than a science. Since the 1980s, however, financial economics as a subject for study and research has developed strongly. At Nalo, we believe that every management decision involving the savings of our customers must be carefully thought out, tested and validated. Our investment method is inspired by the work of the Nobel Prize for Economics, including Eugene Fama, Robert Shiller, Daniel Kahneman and Harry Markowitz. We leave no room for intuition.

Learn more about our investment method

Our fees are lower

Our fees are lower

High fees necessarily rhyme with disappointing performance. We have tried to reduce costs to the maximum. First, we only invest in index funds. These funds, also called ETFs, allow for broad diversification at reduced costs, up to 10 times lower than traditional funds.

In addition, by automating low value-added tasks, we offer better service at a better price. There are no entry fees or arbitration fees. Only management fees, which are on average, half as much as in a bank.

Know the details of our fees

We are independent, it is in your interest


Nalo is a company independent of any other financial institution. This allows us to advise you without conflict of interest.

We oppose retrocessions and receive no remuneration from the funds we choose. We therefore select your investment materials only for their potential performance.

Start investing with Nalo

 Start investing with Nalo


Get a personalized simulation and investment recommendation in just a few clicks. Subscribe online, organize your investment projects and manage your preferences from your client area. Thanks to an arbitration mandate, we manage your investments. You have nothing to do.


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What is included in the Emergency Fund | Loan Fri, 05 Apr 2019 07:32:20 +0000     We discussed the emergency fund and the importance of having it on Betsey Trotwood’s blog before. In short,…

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We discussed the emergency fund and the importance of having it on Betsey Trotwood’s blog before. In short, the blog also explained how much money you should prepare. This time, we will discuss three things that you must take into account in preparing an emergency fund.

Once you understand the emergency fund and its important reasons for you, now is the time for you to explore what the emergency fund should cover. This is to avoid missed calculations that you have prepared. Here are what you have to calculate:


Basic needs


Basic needs


Betsey Trotwood’s blog that previously discussed that your emergency fund must be able to meet your basic needs for at least 6 months. The basic needs in question are:


  • Monthly shopping costs
  • Budget for eating and family
  • Transportation, including fuel, car maintenance, and the cost of using public transportation
  • Home maintenance, such as electricity, water, telephone, internet, salary of household assistants
  • Telecommunication costs such as credit or mobile phone bills
  • School needs for children, starting with school fees, pocket money, books and so on
  • Budget for entertainment

You can also calculate other monthly needs. Depending on the priority and importance of these costs for your and your family’s survival, and of course your ability to prepare the emergency fund every month.





In addition to the basic needs mentioned above, do not miss monthly bills that are automatically billed on your credit card or bank account.

Emergency funds must also be able to cover your bills every month. For example, credit card installment bills, insurance premiums, home installments, car payments, funds for parents, and so on.

You cannot miss these bills because in general the bills will be fined if there is a delay in payment.

Risk of Sickness

Risk of Sickness

The last thing you should take into account in preparing an emergency fund is the cost of care and medication if you and / or your family falls ill. A person’s health is unpredictable, so it is highly recommended to prepare some money to cover the costs if you fall ill.

Emergency funds are one of the things that you must consider in managing your finances and your household. Betsey as an online loan provider in many countries around the world now in Indonesia to help you get out of financial problems with the online loan products that we offer. Betsey online loans are designed to ease rather than add to your financial burden. Learn more about online loans from Betsey and get out of your financial problems today.


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