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This year, the Swedish brand has decided to renew its bestseller: the famous Volvo XC60, so well known for 10 years. This SUV has been sold worldwide in more than one million copies and has kept the leading position in Belgium for four years. During all these years, he has held up well against fierce competitors, such as the Audi Q5, the BMW X5, the Jaguar F-Pace and the Mercedes GLC.

But during this renewal, Volvo wanted to put the priority on the high-end in its range of “90”. And the XC60 is no exception as it follows in the footsteps of the XC90, and on many levels. However, it is not easy to afford such a jewel. Indeed, the basic model starts at almost € 49,000. Add to that some options and the addition increases easily. But there are fortunately financing solutions that will allow you to crack for this car, such as via a new car loan the cheapest.

Always more classy

From an aesthetic point of view, the Volvo XC60 holds a lot of its big brother, with the difference that it is smaller. Less heavy and more athletic too. Where his direct competitors are still discreet, he manages to win through a design that brings out the automotive landscape. It is indeed a compact SUV borrowed style by its flat hood, its taxable grille and its well-designed headlights, both in the front (T-shaped) and back (shaped of the).

As for the interior design of the SUV, its interior is irreproachable and its materials very neat. In addition, the large vertical touch screen is a guarantee of modernity. Finally, the shaping of the car typically reflects the Scandinavian style: welcoming, bright and pleasant. What really make way for a luxury atmosphere.

Driving and safety

Volvo’s motto? Security, of course! It’s been 90 years since the Swedish manufacturer rolled for safety . And this is reflected even more today, mainly in his model XC60, which was one of eight cars sent by EuroNCAP crash test. And it is he who is doing the best, with a score of 98%! This goes, among other things, with a touch of technology. Indeed, Volvo now allows the detection of animals causing an emergency braking. This means that, in addition to passers-by and vehicles, the car will be able to brake in the presence of animals.

To reinforce this security, the brand offers assistance, prevention and security options.

Assistance : help with driving to make journeys more enjoyable.

• Pilot Assist helps you keep your vehicle on your traffic lane by maintaining a certain safety distance from the vehicle in front of you.
• Blind Spot Information warns the driver that a vehicle is coming into the blind spot of the car.
• Road Sign Information helps to follow certain signs, such as speed limits.
• Driver Alert Control has the function of attracting the attention of the driver in case of distraction or fatigue.

Prevention: limit the risk of accidents

• The purpose of the lane departure warning system is to reduce the risk of inadvertent change of traffic lane.
• City Safety helps avoid accidents. According to Volvo, ” This feature can prevent or mitigate a collision with a pedestrian, a cyclist, a large animal, or a vehicle. Warning lights, audible warnings and braking pulses are issued in the event of a collision risk to help the driver intervene in time. If the driver does not react to the warning and the risk of collision is imminent, City Safety can automatically brake the car. “

Safety: protect the driver and his passengers in the event of an accident. But besides the usual functions, the brand also has:

• Pedestrian Protection System : In some frontal collisions, this function aims to reduce the impact of the car with the pedestrian. And this, thanks to sensors placed at the front of the vehicle that raise the rear part of the bonnet.
• Whiplash Protection System : In the event of an impact at the rear of the vehicle, the position of the front seats will adjust to protect against cervical injuries.

Motorization – Twin Engine

Volvo engines are well known to enthusiasts. But with this revival of the XC60, a new engine: the T8, a member of the Twin Engine category. It is a gasoline engine 2.0 powered by an electric motor and a compressor providing, alone, 320 hp. This torque offers a power of 407 horses, allowing a passage from 0 to 100 km / h in only 5.3 seconds. And that, without harming the environment. Indeed, the Volvo XC60 has four driving modes: Pure, Hybrid, Dynamic and AWD.

• Pure (full electric) : allows to ride 30 to 40 km without the help of the engine
• Hybrid : promotes electricity (unless you have a really heavy foot). However, this empties the batteries as fast as in Pure mode. But allows, in return, a consumption of 1.2L / 100km.

Luxury is paying for itself

It’s well known, all at a price. And in the case of this superb SUV, it is a sad reality. While the previous edition was accessible from € 30,000, the bar was, this time, placed much higher. Indeed, this new model is not cheap. The starting price? 49,250 €! A famous sum. And if you opt for a more powerful engine with a few options, the note climbs without worrying about your wallet.

NO, it is not possible to include a car loan in a home loan however, it is possible to combine the two into one , with a single rate .

Include a car loan in a home loan

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Many auto loan borrowers want to include it in their mortgage, for a number of reasons. The first is to take advantage of the property rate to repay a single monthly payment and at a reduced cost. The second reason is to have only one interlocutor and therefore only one sample rather than several. Finally, the third motivation concerns borrowers with a car loan but wishing to buy a property, they are thinking of consolidating the car loan and mortgage to take advantage of current credit conditions . Whatever the motivation, the redemption of credits can meet this need, we can consolidate several loans (including the car credit ) to repay only one monthly payment, eventually.

Auto Loans and Mortgages: Credit Redemption

The operation of the repurchase of loans is relatively simple, the borrower solicits a specialized financial organization, which studies the request for financing taking care to analyze the feasibility of the project. He will then propose one to several offers of repurchase of loans taking into account the needs of the borrower. Good to know, it is possible to group together different types of consumer and real estate loans together, car loans, work, personal, renewable, etc. Once the credits are grouped, the new lender repays the old creditors and sets up the new credit including a single term, a renegotiated rate and a readjusted monthly rate. It is the funding body that takes care of all the procedures, namely the preparation of the file, its implementation and the repayment of old credits.

Include a loan and finance a new project

The purchase of credit has the advantage of being able to adapt to all types of needs, including that of consolidating several loans and financing a new project. Some households take advantage of the grouping of credits to include an amount allocated to a new project, this avoids taking out a new loan and accumulating several monthly payments. It is possible to include a consumption project, that is to say an amount to buy a vehicle (car, motorcycle, boat), to carry out work or improvements. It is also possible to finance the acquisition of real estate, under certain conditions. In both cases, a feasibility study makes it possible to quickly know if the project is feasible, it is free and without commitment.

 

Many people fail to invest or invest their money in investments that are not profitable, precisely because of the lack of knowledge about how to invest money safely. In fact, this is a lot easier than you might think. Good investments require discipline, information and basic knowledge about how the investment market works. Want to know how to invest your money better? Check out these tips:

Identify your profile as an investor

This is the first step for those who want to take good care of their equity and learn how to invest money correctly. It does not matter if your profile is more conservative (risk averse) or bold (is willing to deal with any losses): it is imperative to find the types of investment that are right for you. And to do this, you need to identify your profile as an investor.

Are you willing to take risks such as stock fluctuations that devalue your investment? Do you prefer to have a fixed income, but less likely to lose? How long do you intend to leave the money invested? Answering these questions is essential to identify your profile and then find the applications that are right for you. In general, the Brazilian is more conservative, since we have a history of interest rates, economic instability and high inflation.

Make Money Work for You

Every investment must have one goal in common: make it multiply and work for you. Instead of living on account of paying bills, repaying debts, putting together some exchanges every month to save money, would not it be nice to be able to count on your investment income? For that is the goal of every investor.

With that in mind, The Alvings has created a simple, fast, and low risk Investment Guide that will bring profitability to your money.

Our rule is simple and can be done in two steps:

1) Invest your financial reserve in Fundo DI: separate the equivalent of at least 3 salaries to apply in DI funds, a fixed income type.

2) Invest for the future by applying in average bank securities (CDB, LCA, LCI): the rest of your money is invested in middle-market bonds that yield more than DI and are guaranteed by the FGC (same savings guarantee).

For more details, see our Investment Guide post.

Invest for the Future: Retirement

Nothing to invest thinking of the next year, or the exchange of the car. We must also invest for the future. This ensures that you have a quieter retirement, not just dependent on the government (which is getting smaller). Consider options like fixed income applications with long grace periods for redemption.

Broaden your knowledge on how to invest money

To know the effect of high interest on investments, how to bypass inflation, or even which markets are going to be rising in the future, you need to know. Try to read about economics and finance on the internet and in specialized newspapers, such as Valor Econômico . As much as you do not understand all the terms initially, this is a way to start learning and making better investment choices in the future.

With these tips on how to invest money, it’s time to put some recommendations into practice! Take advantage of these tips to make good investments and save money! Still have questions or suggestions? Leave your comments here!

 

How does the mortgage interest rate develop in August? You can read it in our mortgage interest expectation. Will the interest rate rise from last month continue?

Will the interest rate rise continue?

Mortgage interest rates rose again last month. The reason was an increase in the capital market interest rate, which in turn was caused by statements by policy makers.

In the United States, the Fed raised the policy rate for the second time this year, as expected. New was the announcement that the central bank umbrella is considering reducing the debt balance, possibly as early as September.

In Europe, the central bank continues to buy loans and the policy rate remains low. Although inflation is rising in the Eurozone (1.3% in July compared to 0.1% in the same period last year), it is still not at the desired level (just under 2%).

Nevertheless, there are signs that the European Central Bank is thinking of phasing out the stimulus policy. A decision on this may already be taken after the summer. This decreases the pressure on interest. However, raising the policy rate, as in the US, is still far away.

Interest rate mortgage expected in August

Most lenders have now adjusted their rates to the increased market interest rate. For August, we therefore expect mortgage interest rates to remain at their current levels and to rise slightly further with a number of lenders.

Getting used to rising interest rates

Thanks to these statements from policymakers, the market can get used to a less broad monetary policy. Companies must take into account more expensive financing, investors can adjust their portfolio and banks already anticipate an interest rate rise.

The ECB wants to prevent market conditions from changing significantly. The gradual phasing out of the purchase program is therefore the most obvious. In this way the central bank can continue to keep pressure on interest rates.

Consumers must take into account a gradual rise in mortgage rates. Are you waiting for this or are you taking action? Request a free mortgage quote now.

 

Loan application with poor credit rating

Many people are looking for a car loan despite poor credit rating, because they are in dire need of a car. There are several possibilities here. However, it must be distinguished whether the bad credit rating comes from a lack of or too little income or by negative credit bureau entries. If both are present at the same time, it will be very difficult, but not impossible, if certain principles are followed and additional collateral is available.

Loan comparison

For a car loan from a German bank comparable conditions must be met, as they apply to an installment loan. An essential difference is the intended use. While there are no restrictions on a installment loan, a car loan is completely different. It may only be used to finance a new or used car. You must be able to provide the bank with a corresponding proof of use on request. In addition to a bank loan is also a dealer credit to choose from.

If the credit rating is bad, you have to expect that you will receive a credit rejection. Nevertheless, you should not give up prematurely, but consider other alternatives. You could, for example, take out a loan without credit bureau or a personal loan. If you need help and support in finding a car loan despite bad credit, you are welcome to contact a private credit intermediary.

Due to the numerous offers, it is not always easy to make a decision on where a car loan should be taken despite poor credit rating. Here it would be advisable in any case to play through different variants and perform a detailed comparison on the Internet. There are credit portals that can be used by all potential creditors free of charge and around the clock. An accurate and up to date result can also be provided by a loan calculator, which can be found on most credit comparison portals. Here you can enter the desired loan amount, the term and the monthly installment and press a button to calculate your offer. You will then receive several offers that match the search criteria you entered in the loan calculator.

Bank loans

Bank loans can be divided into German and foreign bank loans. In addition, they must be differentiated according to their purpose. Car loans are generally earmarked. With them, a foreign use for the financing of other consumer goods is already excluded from the outset.

For a car loan from the house bank or from a comparable bank or savings bank, you have to meet certain requirements. Especially great value is placed on your income and on your credit bureau information, which should not comply with negative entries. If this is the case, the credit rating can deteriorate considerably. Often the consequence is that you can get no or only one loan under difficult conditions. In addition, a lack of or insufficient income is a common problem. In all these cases, you can improve your credit rating by providing your bank with various collateral, naming a second applicant or guarantor. A second applicant will be responsible for the payment of credit installments as much as you are, while a guarantor will only be responsible if you yourself are unable to meet your credit commitments.

If your credit rating is limited and you have the option of receiving a small loan, you may be able to use it if you pay a larger sum in the dealership. This significantly reduces your financing needs. A car loan despite bad creditworthiness is so much more possible, as if you finance the entire purchase sum over a loan.

Foreign bank loans are also known as bank loans, but have not come from Switzerland since 2010 but from Liechtenstein. Here you can get a installment loan or a car loan. The maximum loan amount here is 7500 Euro. Alternatively, a car loan of € 3,500 or a car loan of € 5,000 is available. However, this is a car loan without credit bureau and not always a car loan despite bad credit rating. If the bad credit results from your lack of income and if you do not have a fixed employment contract, it will be very difficult to get a loan from abroad. Again, however, you can usually make up for missing personal requirements with a second applicant or a guarantee.

Dealer loans

Dealer credits often play a major role in financing a car. They can be picked up directly at the dealership where the new car is to be purchased. They are not only offered for new cars, but also for used cars. There are several factors that speak for a dealer loan instead of a bank loan. Interest rates are often very cheap with a dealer loan. In addition, the purchase and financing of the car is done in the same place, which saves unnecessary ways and time.

If you have the option of paying for an old used car and / or paying a larger deposit for the car you want, you should definitely make use of this option. This has the advantage that the financing requirement is reduced. In the dealership, people can often get a car loan despite bad creditworthiness, for example, have the minor negative entries in the credit bureau or exercise a self-employed or freelance work with fluctuating income. However, there can be no guarantee of that. The dealer is happy to provide information as to when a car loan despite bad creditworthiness is possible and when not.

Personal loans

In many cases, relatives or acquaintances are prepared to contribute some of the cost of the new car and to give out a car loan despite their poor credit rating. Another alternative would be a personal loan from a stranger. Such a loan is most likely to be found on the Internet via a credit brokerage portal. Here is a free registration and an entry of the loan request possible. There is the advantage that the entire amount of funding does not necessarily have to come from just one person, but can also come from several people.

Car loan with balloon financing

What is a car loan with balloon financing or a three way loan? Especially the credit market for vehicle loans offers a variety of possible financing options. Unfortunately, this is also associated with a number of keywords that are not always easy to classify properly. The background to the car financing illuminate, while pointing out advantages, but also risks, the following contribution to the topic of balloon financing.

The car loan with balloon financing – the principles.

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The car loan with balloon financing is a installment loan. Most frequent offerers of this financing possibility are the manufacturers banks of the car brands. Often the balloon loan is used as part of the sales marketing for calculation examples in the loan offers. At first glance, the customer sees the small monthly installments in the same amount, even with a high purchase price. So the buying interest is awakened.

Behind the calculation example is a realistic loan. The rates paid together with the down payment often correspond approximately to the depreciation of the vehicle. At the end of the term, the residual value must be paid in one sum as part of a large completion rate. The closing rate can even be up to half of the actual purchase price.

When is the balloon loan useful?

The car loan as a balloon financing is for most vehicle buyers an interesting financing alternative to the conventional installment loan. Especially the low rate, due to the repayment time divided into two main sections, makes it so interesting.

Purchasers of new vehicle buyers who regularly exchange their vehicle for a new vehicle benefit in particular. You pay, as in the case of leasing, the monthly loss in value as a rate. At maturity of the completion rate, the vehicle is given back in payment and serves as a new down payment.

Another group of vehicle buyers expects a larger one-time payment in the future. For example, a life insurance is paid out. The high completion rate is practically there, but its availability is still in the future. For this group of buyers, the balloon loan is an adequate means to bridge the time.

One group of buyers who can really take advantage of the balloon loan car loan is the undecided. The three-way loan, a modern variant of the balloon loan, leaves the buyer until the very end the choice. He decides between a further financing, payment in one sum by payment of the closing rate and the vehicle return at the time value.

Disadvantages of financing as a balloon loan.

The car loan as a balloon financing in the variant “three way credit” has only two disadvantages for buyers willing to return. When calculating the rates, care should be taken to ensure that the expected loss of value is not undercut. Otherwise threatens at the vehicle return a hefty additional payment. For the same reasons, the value preservation must not be lost sight of. Who considers these two aspects, for the car loan as a balloon financing is a good financing option.