Credit Loan: Receive an Answer in Principle in Less Than 24 Hours


What are the deadlines for Jean Des Esseintes’s credit application response?

What are the deadlines for Jean Des Esseintes

Thanks to the internet, delays for all procedures take less time. Today, you can apply for credit online. This method is not only the fastest, but also the most efficient. On the Jean Des Esseintes site, this is done in a few minutes and we receive your request instantly.

Thanks to our credit simulation tool, you can even directly know which formula is best suited to your needs. You choose your type of credit, the amount you want to borrow and the repayment period and you can thus with a precise idea of ​​the rates that we practice for your case and make your request in stride.

Once the credit application is made, your file is processed internally and you receive a response regarding the acceptance or not of your request in a very short time. You will only have to sign your contract and you will then receive the money in your bank account.

So how do I apply for credit online at Jean Des Esseintes?

It’s simple ! Several choices are available to you. If you prefer the old method, you can come and meet us in person at the nearest agency or call us on the freephone number: 0800 / 99.541 to discuss it.

But the simplest and fastest solution is to fill out the form on our site. No need to wait for our opening hours, you can apply from home anytime. This request for a credit response in 24 hours is free and without obligation. In addition, we assure you that all the information you send us will be confidential.


Get an answer to your credit request in 24 hours at Jean Des Esseintes, it is possible?

Get an answer to your credit request in 24 hours at Jean Des Esseintes, it is possible?

We often hear about loans or credit without proof. But what exactly does this imply?

When we talk about 24 hours, it is the response time. The very concept of credit with a response in 24 hours ultimately implies that it is without justification. Because in general, it is the analysis of the file and the grouping of receipts that take time. If your file is complete and your repayment capacity is proven, then you will be able to get your credit answer in 24 hours.

At Jean Des Esseintes, we are committed to providing you with an answer in principle very quickly after the insertion of your request.

If accepted, it will still wait a few days before the funds are released and they arrive on your account. This is not our responsibility, the legislation imposes strict rules that impose this time.

The personal loan without proof is defined by Belgian law as a credit granted by a bank or a credit institution to a natural person and under certain conditions. With this type of credit, you can borrow money and dispose of it as you wish without having to justify its use.


Rent With Ransom: How To Buy A House If They Do Not Give You The Mortgage.



Rent with ransom: how to buy a house if they do not give you the mortgage

Rent with ransom: how to buy a house if they do not give you the mortgage

We hear more and more often about the possibility of buying a home through rents. Faced with this tendency it is natural to ask oneself about the goodness of this choice. Why is rent with ransom a good option to buy a house?

More than an option, buying with ransom seems to be a necessity in the current real estate market crisis.

The loan applications continue to fall and consequently also the property sales. In fact, banks today are much more cautious than in the past in granting loans to customers and budgets are limited. Yet this could really be a excellent time to buy a house, by virtue of the write-downs that the properties have undergone in recent years due to the static nature of the market.

VAT number holders and small business owners certainly have a much harder time obtaining a mortgage because they are considered a riskier category by credit institutions. In addition it seems that the lowering of rates by the European Central Bank is benefiting only banks, and not citizens.

In this situation, therefore, rent with ransom emerges as an interesting alternative. In the formula of rent with ransom, the mortgage request is substantially avoided, and in other countries this possibility is already much more widespread than in Italy, even if there has been an increase in recent times also in Italy.

In Italy, rent with ransom is a particularly chosen solution in the northern regions such as Lombardy, Emilia Romagna, Piedmont and Veneto.

But let’s see what the rent with ransom consists of.

Rent with ransom: what is it?

Rent with ransom: what is it?

Rent with redemption requires the stipulation of two contracts, or a rental contract, generally with a higher monthly fee than the market average, and a second contract called the option contract. In the rent with redemption the option contract offers the tenant the possibility of buying the house, generally after a period of three years or as otherwise agreed, at a price already established at the time the contract is stipulated.

Clearly, the rents paid up to that point will be deducted from the price set for the rent with redemption.

Rent with redemption therefore turns out to be a good possibility, especially if you are unable to obtain a mortgage at that moment, or if you wish for some reason to postpone the stipulation. In addition, the IMU tax will be paid by the owner for the entire period of validity of the rental contract. Another consideration to make about the rent with ransom is related to the price. Since the price agreed at the beginning of the rental contract with redemption, and remaining this blocked until the end of the lease, it may happen that, at the time of the sale, the selling price can be both higher and lower than the market average, because this depends on the situation of the real estate market of that moment.

Consequently the price could be advantageous or disadvantageous.

At the time of writing, at a time when prices are quite low, it may be appropriate to opt for rent with ransom.

Rent with redemption: where to find the funds

Rent with redemption: where to find the funds

Does redemption purchase represent an interesting opportunity for you?

If you are interested in buying a home through this option and want to request more information for a loan, fill out the form for requesting a quote : within 24 hours one of our consultants will contact you to export – totally free – the solution that best suits your needs.

Comparison of Cash Loans and Consumer Loans





Comparison of cash loans Comparison of cash loans is a basic task for all those people who want to choose a bank with a favorable offer.

We are not able to check and compare all cash loans in all banks. Therefore, there is no point wasting energy and time on collecting credit offers from all available banks in our town. Sometimes two or three banks are enough to make a choice. Below is a list of banks in which we can apply for such a loan.

Comparison of cash loans at banks



Comparison of cash loans in terms of costs

Comparison of cash loans in terms of costs

When choosing a loan (not only cash) pay attention if we are interested in a cheaper option, at the total cost of the loan or its APY.

What does RRSO mean? This is the Actual Annual Interest Rate. And it’s not the same as the nominal interest rate, nay! it can vary significantly from it. APR covers all additional costs associated with granting the loan by the lender. The APR consist of:

  • nominal interest rate,
  • bank commission,
  • credit insurance,
  • fees for additional services,
  • payment for processing the loan application.

In addition, the APRC takes into account the value of money over time and the repayment period. And this is the most important parameter to pay attention to when you compare the offer of banks (do not forget to check the total cost of the loan). Why is it worth using in comparing banks with APR? Because each bank calculates it in the same way and makes it possible to compare the offers of several banks.

Remember! When comparing the APRC of loans and total costs, the same loans should be compared, eg cash loans of PLN 26 thousand. PLN 7 for bank A and B.


What kind of interest rate? Fixed or variable interest rates?

What kind of interest rate? Fixed or variable interest rates?

The choice (if of course there is such a choice) is fixed or variable interest. Over the short lending period, banks offer cash loans with a fixed interest rate, and with a long lending period it is already a variable interest rate.

The fixed interest rate does not change throughout the loan repayment period and the interest rate changes do not affect the rate of installment.

At variable interest rates, fluctuations in interest rates on the interbank market affect interest rates. If interest rates rise, the loan installment increases, and vice versa. Banks, of course, control changes in interest rates. If the price of money on the market has changed significantly, then the interest rate on the cash loan will change. The borrower then receives a new repayment schedule from the bank.