FINANCIAL LOANS AND CREDITS

The company PROFI CREDIT Czech, a.s. offers new possibility of debts consolidation to its clients.

For whom is the conoslidation intended:

employees with steady income from employment

pensioners (longevity pay, old-age pension, disability pension)

persons drawing parental allowance

as well as small businessmen with steady income from their business activity without the necessity of property presenting

Loans and credits from the company Profireal, a. s. are a solution for those applicants who do not need a large amount but money right now and the bank won't provide them with financial help (arranging a loan/credit takes too long in the bank or the applicant is unable to meet the bank's conditions)

Features of the consolidation product for NON-BUSINESS PERSONS

Amount of credit: CZK 10,000 - CZK 166,000, up to CZK 130,000 without surety

Charge: no charge

Maturity: 12, 18, 24, 30, 36, 42 and 48 months

Repayment: regular monthly instalments in a fixed amount (cashless transfer)

Payment: cashless to the account of client's creditor / event. subseqentely to the client's account if his credibility is sufficient

Securing: promissory note issued by the client upon signing the Credit Contract

Others: no-purpose of the part of financial means that are provided directly to the client, with subsequent possibility of revolving gain (provision of other financial means in the course of credit repayment)

Conditions of credit approval:

regular monthly income

age of the applicant for credit: at least 18 years of age

in regard to credit above CZK 130,000, a surety is required

the credibility of the aval has to be of such nature that the credit would be approved if he applied himself

Necessary documents:

a) copy of the client's ID card (or the surety 1, 2 respectively), original of employer's confirmation of income (also the surety 1, 2 respectively), regarding pensioners, a copy of the pension assessment or a slip from a current postal money order, documents proving eventual other income (social allowances, alimony and likewise), presenting at least one of the so-called "contact documents" (bank account statement, joint collection payments of residents, account of electricity, services, gas and likewise)
b) document from the client's employer about the currant height of debt htat shall be consolidated + bank connection for debt consolidation, conract documentation related to this debt (e.g. Credit contract/loan/instalment selling and likewise)

Benefits of the credit:

speed of the attend to an application with subseqent consolidation of presented debt

if client is creditworth enough, the financial means can be provided to him as well over the scope of consolidation

personal approach to the applicant at the attend to an application for consolidation

the possibility of instalments postponing when the conditions are met

in addition, every client who duly repays according to the schedule of instalments, shall be entitled to automatic revolving (provision of other financial means in the course of repayment)

Features of the consolidation product for BUSINESS PERSONS

Up to CZK 186,000, no surety and no proof of assets! *

Maturity from 1 month! Advantage for those who "turnover" their money fast and frequently need fast bridging credit.

Without the property presenting!

* - not applicable to start-up businessmen

Amount of loan: CZK 50,000 - CZK 250,000

Maturity: 1, 2, 3, 4, 5, 6, 9, 12, 18, 24, 30, 36, 42 and 48 months (maturity may be adjusted to the needs of the applicant for loan)

Repayment: usually through regular monthly instalment, at the client's request, the manner of repayment may be individually adjusted

Payment: cashless to the client's account

Securing: promissory note, those long-term business do not need an aval for a loan up to CZK 180,000, not necessary to prove one's property

Others: nNo-purpose of the part of financial means that are provided directly to the client, with subsequent possibility of revolving gain (provision of other financial means in the course of credit repayment)

Conditions of loan approval:

individual evaluation of every application

Documents necessary to draw up the application:

a) businessman - natural person: copy of the businessman's + his/her spouse identity card
- legal entity: copy of identity cards of statutory representatives of the company + each partner of the company
bank details, copy of the business license or other authorization for the main business activity, extract from the Business Register (not older than 3 months), copy of tax returns for the past 2 years (including all annexes) + last quarter economic statements
b) document from the client's employer about the currant height of debt htat shall be consolidated + bank connection for debt consolidation, conract documentation related to this debt (e.g. Credit contract/loan/instalment selling and likewise)

Benefits of the loan:

the greatest benefit of the trade loan is its maximum availability - it is intended also for businessmen who do not show profit in their tax return, the loan application is evaluated free-of-charge and individually; the loan is provided in consideration of the economic situation of the businessman and possible securing by an aval.

at trade loan application it is not necessary to present the business plan together with the application

the possibility of instalments postponing when the conditions are met

Are you interested in a loan or credit?