The 6 simple steps to consider to acquire your payroll credit

Los 6 sencillos pasos a considerar para adquirir tu credito de nomina

Have you ever imagined that it could be so easy to acquire a payroll loan? I had not imagined it either. In my experience and through the cases of multiple friends and acquaintances, I knew that applying for a loan could be a terrible thing, almost something that was not wanted even by your worst enemy, however, if necessary Well, there were not many options.

My name is Leticia and I want to tell you a little about the experience I had in applying for a loan. But do not think that this was any credit, my salvation was a loan via payroll. But before telling you about him, I want to tell you about all the previous history that I had to go through.

Well says the saying that “the darker it is because it will soon dawn” and something very similar was what happened to me. In that moment when hope was lost, Credifiel appeared. What was the reason you need to get a financial loan?

For several years of my life I have kept renting a house where my children and I can live quietly. The truth is that the house is a bit far from the places we frequent, work and children’s schools are not so close and in addition to investing a lot of money to move, the time also becomes very complicated because you have to invest several hours On it.

Despite these inclemencies, the truth is that we live very comfortable in this place. The neighbors are good people and on several occasions we have helped each other, which favors coexistence and, above all, safety, as we take care of each other. In spite of all this, I have always wanted to acquire a house of my own for my children and for me, there is no greater security for the future than this.

Although my work is solid and I have a contract that supports me, my income is not much. Working in the government gives you some advantages, such as not being in danger of the company being able to go bankrupt by any fault at any time. This also translates into security and stability to be able to do some future projects.

Have you ever had an opportunity that seems especially made for you? Of those that you can not let go. One fine day while I was on my way home, I saw that an apartment was for sale. Then I wrote down the phone number of the ad and arriving home I dialed to request reports. When they answered me I was frozen. The price of the apartment was very cheap and also, it was inside the city. Honestly today those opportunities are not so easy. I was desperate because I wanted that department to be mine but for that, I needed a lot of money.

I had some savings that I had been able to keep for the past few years but obviously I could not even get a good down payment. I had to go urgently with the bank. First I went to the institution where I had a bank account for more years, I thought they could help me. At first they made it seem like this would be very simple, however, after the real estate company and the bank spoke, they realized that they could not lend me the full amount and the total amount they had requested, they could only give me 60% because they my income is not very high and in my credit history I have some faults and delays.

With that money and with my savings it was not enough for the down payment, in addition I also had to consider the expenses of the deed and all the paperwork to be done. In that situation I only had the option to continue my search and try to get the money in other financial institutions so I took my papers and continue on my way.

That is how I went to three more financial institutions and they all told me the same thing. It was to be understood, however, I needed the money and I felt desperate to not be able to get it. I felt in limbo, just at that moment when my children’s heritage was getting out of hand little by little. Nobody wanted to give me the full credit and it was not a good option to request more than one loan, that could get me in trouble.

It was as well as the truth, I completely lost hope but as they say “There is always an angel near you”, then one of my coworkers recommended me to go with Credifiel , “they will help you to acquire your credit via payroll in only 6 steps “and as I said at the beginning, this I thought impossible, however, it was more than true and I became a success story.

The only thing I had to do was get in touch with them, this was not the case. 1. The truth is that I wrote to them through social networks and immediately followed up on my case. I did not have to go to any branch to talk to the executives so we could not step up. 2 where they asked me the dependency of which I am a government worker. I did not know that they have an agreement with the government and that’s why I had a practically approved loan.

All they had to do was verify that my agency had the agreement that would allow me to acquire a payroll loan . Effectively this was possible and in step no. 3 I just had to send some documents to go to the 4th step: validate the information. My documents were collated with the information that my government agency had, everything was very fast.

Once this happened, it was only necessary to define some details of the credit. They asked me what would be the form of payment I preferred and also what would be the periodicity with which I would make my payments, here I understood that we were in step no. 5 and that soon I would have my money. After this point was clarified, they only had to spend a few hours to collect the money and terminate my 6-step process.

After this I only had to see the next step with the real estate agency so that this department was mine and my children’s. Of the rest, they took care. Although it seems like a story taken from a story, that’s how miraculous things can happen, through Credifiel I was able to acquire my payroll credit without having to check the credit bureau and without my income being a problem.

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MIFID II What is it and how does it affect the client?

Aegon - MIFID II What is it and how does it affect the client?

MIFID II What is it and how does it affect the client?

Since January of this year 2018 has come into force MIFID II, a revision to the MIFID directive of economic information that was born in 2007, in the beginning of one of the most serious financial crisis that is remembered, with the objectives of achieving a financial system safer, responsible and transparent with a special emphasis on the relationship with customers and that they are duly informed about the products they hire.

The directive is not only updated to correct errors and take as a basis the experience accumulated in the last decade, it also does so due to changes in citizens’ habits and modifications by companies that market financial and savings products, such as growth of online product contracting.

What changes does MIFID II bring?

The new directive seeks to improve the security and transparency of the markets with the objective that investors have greater protection and do so in different ways:

The first is in the extension of protection to more products. Some, oddly enough, were not as structured deposits, others have been developing and growing as the carbon emissions packages.

The second establishes new rules that seek to encourage independent advice when hiring savings and investment products, and does so by forcing them to offer a wide range of products and prohibiting them from accepting economic incentives from the companies that create them.

And to me as a consumer how does it affect me concretely?

The result of this directive will be that this protection is transferred to greater security at the time of contracting a saving or investment product and in the follow-up and information that we have of them through the periodic data that we receive from them.

Likewise, the product will be better defined according to the needs and risk profile of the investor. For example, for those who want to invest in their retirement, you will find in an Insured Provider Plan (PPA) like those of Aegon the right product to get a rent or capital with no risk compared to others in which the investment is risky.

One of the practical applications in which we will see more clearly these changes will be in the questionnaires, focusing on aspects such as the investment objective, the time horizon of the same and what attitude we have against risk .

With all this, the financial institution or insurer will be more clear, detailed and the goals or purposes of the client will be taken into account above all. The consequence is that these in turn will value points such as closeness to the client and good management that will become key aspects in the relationship between them.

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You get what you pay for: The dangers of a free CRM

The best things in life are free, but not when it comes to technology.

 Image result for free crm

Logically, it makes sense that if something really has value, it will require an investment, as much as is reasonable, of course. However, companies are often attracted to the promise of saving money with a free CRM program. What they do not think is that, although they can save money from the beginning, everything has a price.

Example: Free HubSpot CRM offers only 15 minutes of calls per user per month.


Restrictions on a Free CRM

Storage and data management

Although “data” may seem like an etheric substance floating in the cloud in weightlessness, storing and securing this information requires resources. That’s why most free cloud CRMs limit the number of prospects, documents, etc. that can be accommodated.

Although this does not seem to be a problem for a small growing company, it is guaranteed that it will become a big problem as the business expands (and we hope so!). For example, the free HubSpot CRM limits the number of email templates and documents that can be stored at only 5 per profile.

When it comes to sending communications and transmitting data between your free CRM and other business platforms, many paid CRMs limit the number of API calls that can be made daily.




Let’s face it: it’s rare that a ready-to-use solution fits perfectly into your business. It is possible that you can approach what you need, but most of the time, you will be forced to settle for what you have. Unless you customize it to suit your specific needs and sales requirements.

Many payment CRM providers offer support in the form of professional services teams to adapt their platform to the specific needs of the clients. However, this is not the case when it comes to a free CRM . Although personalization is even possible, it requires programming that must be managed internally by the development teams or employees of the client. Of course, the staff and resources of these development teams are not free.



As indicated in the previous point, support in free CRM is practically non-existent. If something goes wrong or if customers have any questions, they are directed to an online support community or to a collection of articles where they should search and find answers for themselves.

Or, as HubSpot says, “HubSpot CRM users have access to the HubSpot community at for support. The mission of this community is to provide users with a dynamic channel to ask questions, find answers and exchange views with professionals around the world on the best practices of HubSpot software. “

In contrast, with dedicated account managers and live support 24 hours a day, 7 days a week, from many paid CRM providers, it’s easy to see the time and additional resources that free CRM users must spend in the maintenance of the chosen solution.



Unfortunately, many companies do not realize the restrictions imposed by these free CRM providers until they suffer, even though they have already invested a lot of time and energy in the solution. If you are currently evaluating a free CRM, be sure to ask these questions in advance to avoid problems in the future:

  • Are there limits to data storage?
  • Is there an API available? Pre-installed integrations? Are calls to the API restricted?
  • What are the customization options?
  • Is there a team of professional services?
  • What types of support resources are available?

Do not put yourself in danger. Choosing the right CRM for your company is fundamental and should not be based solely on cost.


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Benefit of credits for government employees


We have already spoken on previous occasions about the economic benefit that government employees can have when working within these government agencies.

One of them is loans for public employees. Have you already applied for your loan via payroll? If you have not already done so, we recommend that you do it as soon as possible.

But, what are all the benefits that you enjoy when you are a government agency worker? The list is great and surely you already know some of them but if you still need to add some of them, we will see some of the most notable.

If on many occasions you have heard unfavorable comments for government workers, surely they will have said it out of envy. See everything you can access thanks to your work:

  • More vacations and days of rest

  • The pace of work within a government unit is much less stressful than in the private sector. In addition, we can not forget that rest days and holidays become 100% mandatory for government workers.
  • But behind these days, we must also see all the plans and activities you can do. You could think about the possibility of going on vacation with your children or, take a break from the city somewhere you like and go your own.
  • In this way, the credits to which government workers have access could make a greater sense. You do not need to spend all your money on vacations, you can reserve a bit of the budget and use it in future bridges.
  • With a calendar in hand, you can allocate financial resources to cover different festivities and leave the city. Take this opportunity, vacations and holidays become a great option when you have a loan available- you can try this out Arcuk.
  • Possibilities to get more money

  • Government institutions, unlike the private sector, may have agreements with credit institutions that increase the chances of obtaining a loan quickly and safely.
  • But not only can you get a credit, after your first application, but you can also request a refinance to continue multiplying your money and earn more income.
  • In this way, having access to a loan can open the possibility of investing in a business with which you would obtain more income in addition to your salary. Do not think that being a government worker only gives you the possibility of having a monthly income.
  • A fixed or plant job

  • By having a job that is fixed and that you are not constantly worried about, or even worse, that the company will go bankrupt, you can request a loan or maybe two and finish paying without any problems.
  • This way you can settle your debts and you can also convert your credit into a machine to generate money. Take advantage of this security that you have as a government worker and grow your heritage as soon as possible.
  • Comfortable times to start new projects

  •   Do you feel like starting a new business? One of the benefits of working in a government agency is that you can have the time necessary to plan and start a new business that allows you to have better income.
  • Remember that credits for government employees can be a way to obtain resources and start a family business or to invest in a project that is already started and from which you can become a member.
  • The most important objective is that part of your loan via payroll you invest in a business that can give you profits in the future, also thinking about your retirement.
  • Working for the government can give you the opportunity to devote part of your weekends and afternoons to a business that you would like to undertake, remember that you can forget about your boss’s calls asking you to finish some pending or attend to a client.
  • Less stress and more energy to do new activities

  • One of the favored points that government workers have over employees in the private sector is that they live with less stress because they have more free days, more flexible schedules and can live unconcerned that their company breaks at some point.
  • Given this scenario, the energy with which you end your working day can be much greater, so you could dedicate your time and imagination to new projects that generate a business opportunity.
  • From now on, think about it this way and you will see that your growth opportunities will increase.

In this way we can see that working in a government agency is much more than just offices and customer service, you can also get great benefits.

Remember that working should not be just an activity you do to earn a salary, of course, it must also be something you enjoy doing and above all, that gives you more than one advantage for your well-being and for your life.

If in addition to a fixed income, being a government worker can give you the opportunity to obtain a loan to invest in your well-being and in the projects and dreams you have always had, then take advantage of it as they say “There is not this every day”.

What do you think about investing a loan in a business now that you have a permanent job? So you could start to see your heritage, maybe soon you could retire and better dedicate your time and space to the activities you always wanted. Come to Credifiel and ask about the financing opportunities you have.

Can a highly indebted family declare bankruptcy?

  • In Spain, there is a law since 2004 that allows individuals to declare themselves insolvent, but it is very complex to apply.
  • The cost of this judicial process usually ranges between 10,000 and 12,000 euros.
  • The families in bankruptcy can not request lawyer ex officio for these cases.
  • The families who filed for bankruptcy in 2011 fell by 3.9%.

The National Institute of Statistics (INE) has announced this week the number of bankruptcy contests that have occurred in Spain during 2011. In total, 5,821 companies and 934 families have been affected, according to the Bankruptcy Procedures Statistics.

It is striking that the number of families that declare themselves insolvent is considerably lower than the previous year: 3.9% less than in 2010, despite the fact that the evictions continue to grow and the debts in the family nucleus continue to increase with the national unemployment figure.

The reason lies in the complexity of applying this rule that, although it does not allow canceling debts, you can postpone certain payments according to the possibilities of each person.

A law for indebted people that is worth thousands of euros

Since September 2004, with the entry into force of the Insolvency Law, not only companies can declare bankruptcy, but also natural persons who are facing an insolvency situation.

It should be remembered that a bankruptcy proceeding is a legal proceeding to ultimately save companies or individuals in a situation of insolvency. It is done through an agreement with the creditors about the payment and terms of the debts, to avoid this way the liquidation in the case of the companies.

You have to pay for the costs of lawyers, solicitors, publication of edicts …

However, and despite the good intentions of the Law, it is important to know the difficult feasibility of applying this rule for those with financial problems.

First, and according to the economist and advisor to families with many debts of the World Bank of Women, Mercedes Salas, this law “is designed for companies, since families have very little room for maneuver. ” The reason, for Salas, is the high legal costs: lawyers, solicitors, publication of edicts, among other expenses.

“It is a very expensive judicial process, which does not allow access to a lawyer by trade. The judicial costs can range between 10,000 and 12,000 euros. If a family wants to benefit from the Insolvency Act is because they have no money to pay their debts, then How can you cover the costs? “Salas questions.

What can be achieved by declaring insolvent?

This judicial process consists of bringing together all the creditors of a person in order to analyze their financial situation. Then a report is presented and the payment agreement is renegotiated. Among the positive effects that the lawsuit can have for the debtor are:

  • It paralyzes the claims filed for non-payment and the execution of the assets that are being processed, including mortgage loans (only for one year).
  • Interrupts the accumulation of interest on unpaid loans.
  • It allows resuming the credit contracts that had been interrupted due to lack of payment.
  • The debtor can get deferments and debt reduction.

Despite the apparent benefits that may be declared insolvent, if in a hypothetical case could be paid judicial costs must be borne in mind that in the case of a mortgage, the bank can carry out an embargo or auction of your home without waiting to said contest.

Experts advise to avail themselves of this law if the debtor’s assets are much higher than the debt itself. However, it is always advisable to go hand in hand with advisors before starting a process of this type. There are some entities, such as the World Bank for Women, that offer free financial advice to families with big financial problems.