How to Apply For Your Payday Loan Credit?


As a worker, you have the right to obtain a home. This right must be made before the National Housing Fund for Workers (Infonavit), do you know the process? Here we indicate it to you.

The Institute of the National Fund for Housing for Workers (Infonavit), is a tripartite institution founded on April 21, 1972 composed of government, companies and workers.

The main purpose of Infonavit is to grant loans to workers, to obtain housing , in addition to granting savings income , which is maintained in the National Housing Fund for Retirement Pensions .

The Housing Fund administered by the Institute, consists of the contributions made by the employers , which correspond to 5% of the base salary of the workers.

Derived from the above, if you have already spent time working formally for one or several companies and they have made contributions to the Housing Fund, you may be able to apply for an Infonavit loan to purchase a home.

In general terms, this is the procedure to apply for your Infonavit credit:

In general terms, this is the procedure to apply for your Infonavit credit:

A) First of all, you must meet the following requirements:

  • Be a beneficiary of the Infonavit with current employment relationship.
  • Count with 116 points.
  • Answer the questionnaire “Personalized Counseling Infonavit” entering with your social security number so that you receive personalized advice on the best way to use your credit.
  • Take the online workshop “Know to decide”.
  • Provide the data of two personal references.
  • Comply with what the Green Mortgage program establishes, with respect to the installation of water, electricity and gas saving accessories, which will be paid with the amount of additional credit that will be granted, if applicable.
  • When registering your credit you will receive a format to consult your data in the credit information societies, which you must sign.

B) Check the Infonavit portal, creating a personal account, your prequalification to know if you comply with the following:

  • The points you have (minimum 116) to process your credit.
  • The savings you have in the Housing Subaccount and what amount would be added to the credit.
  • Your credit amount
  • How much would you be deducted for the costs of titling, financial and operation.
  • The monthly discount that the company for which you work will make you.

C) Collect the following documentation to form the file :

D) Register your application at the nearest Infonavit service office once the aforementioned documentation has been collected.

E) Once the Infonavit authorizes the credit , a notary public must be chosen, and deliver the documentation described above to formalize the process . It is recommended that you inform about the efficiency of the notaries, in relation to this procedure, information that is available in the Infonavit portal itself.

F) Print your Discount Retention Notice once you have your credit number, enter the Infonavit portal with your personal account and print your Discount Retention Notice , which you must take to the company where you work to be stamped. and sign.

G) Submit the retention notice on the day of the signature of your deed . Finally, the delivery of this notice must be done the day you sign your deed, the Notice of Withholding of Discounts must be signed and stamped by the company where you work . Based on this document will be made the discounts via payroll and will also serve you in the future if you change jobs, if you have to sign a restructuring of your credit or when you finish paying your mortgage or if you want to cancel .

Once the term of the loan has ended and the corresponding payments have been made through the discounts that the company or companies for which you work through the payroll have done, the mortgage on the home that is in favor of the Infonavit can be released . You will have to go again with a notary to request this release before the Institute and that the corresponding deed is obtained, manifesting this situation so that the process of the purchase of the house is finally concluded , leaving the title of property of the house in your name .



20 Quick Loans Per Monthly Installments: Easy and Urgent

We know that easy and fast loans in monthly installments are convenient to use, they are repaid with income from a different source, usually received once a month. Most of them are online loans and up to 1500, 2000, 3000, 4000 and 5000 leva. There is already a payday loan with monthly installments.

Monthly credit installments allow some planning of our fixed costs for this reporting period. When the monthly installments are fixed and equal – this is a convenience for the borrower, a security for a regular, recurring amount.

Fast lending companies, according to their policy, make it possible to choose the number of months for which we will repay the loan within the repayment period.

We will present you 20 fast loans in monthly installments – easy and urgent, by authorized, financial companies – registered with the BNR CCR, personal data controllers under the Act to make informed choices.

We will present you 20 fast loans in monthly installments - easy and urgent, by authorized, financial companies - registered with the BNR CCR, personal data controllers under the Act to make informed choices.


  • Fast and urgent loans in equal monthly installments of 2 to 12 months matured by bank or cashier.
  • An amount of 400 to 4 000 leva.
  • Apply online or in a partner office, on working days and on holidays, at public holidays.
  • You get approval for approval within 5 minutes via SMS.
  • Conditions for allocation – Permanent residents of the country aged 18 to 70, with permanent address registration, income and pure credit history.
  • There are no hidden fees and additional costs.


  • Emergency and easy fast credit in monthly installments – from 2 to 12 months.
  • Size – up to 4000 leva.
  • Only for Bulgarian citizens, regardless of the social status: unemployed, on maternity leave, retired, self-employed.
  • Money on the same day, your request is handled instantly, approval in minutes.
  • No proven income.
  • No guarantors.


  • Quick Loans in monthly installments – easy and urgent. You choose a period of 4 to 11 months.
  • Size from 200 to 3000 leva.
  • Monthly product that can benefit all individuals over the age of 18.
  • Single document: valid ID, no employment contract required.
  • Payments are made to a bank account or directly to your personal credit consultant.


  • Fast loan in monthly installments: easy and responsible. Maximum repayment term 11 monthly fixed installments.
  • Size from 400 to 3000 leva.
  • Claim with ID card only, no guarantors.
  • Grace period up to 45 days.
  • It is suitable for clients working on an indefinite employment contract aged 21 to 75 years.


  • Easy and fast credit in installments. Duration 12 months.
  • Size – credits up to 3000 leva.
  • A detailed credit calculator, a convenient form of application, the money you get today.
  • Requirements: age between 18 and 65 years, reliable data and good credit history.
  • You may receive an additional amount.


  • Quick Loans in monthly installments – easy, urgent and responsible. Repayment from 3 to 12 months.
  • An amount of 50 to 4000 leva.
  • Available only against ID card.
  • 24 hours a day, holidays and holidays, with approval for up to 10 minutes.
  • You may receive a document on the current status of the loan.


  • Fast loan in monthly installments – easy and urgent. From 6 to 96 equal installments.
  • Size from 800 to 80000 leva.
  • Light procedure and fixed conditions for the whole period.
  • The annual interest rate depends on size, term, grace period and individual creditworthiness.
  • You can make a “Protection of Payments” insurance.


  • Fast monthly installments – easy and flexible. Repayment: up to 18 installments.
  • Up to 2200 leva.
  • Conditions for release: You are 18 years old, living in Bulgaria, having a permanent income, a mobile phone, an email address and being able to return your chosen amount in time.
  • You withdraw money multiple times and return it under this contract.


  • Fast and easy credit in monthly installments. Return period up to 12 months.
  • Size from 200 to 1500 leva.
  • From any computer or mobile device with internet.
  • Conditions: Be recruited and aged between 18 and 70.


  • Fast credit in monthly installments – up to 12 issues.
  • Online credit up to 1000 leva.
  • Approval within 20 minutes, receive a notification email with the company’s opinion.
  • Collateral is required from a guarantor.
  • You can extend the deadline, you can refinance under certain conditions.


  • Fast credit in equal monthly installments – easy approval. Duration 3 to 12 months.
  • Size from 200 to 3000 leva.
  • Credit without proof of income .
  • No collateral and no guarantors.
  • You get the money in cash.


  • Fast loan in monthly installments – easy and urgent. Repayment term from 3 to 18 months.
  • Size from 100 to 3000 leva.
  • Absorption by hour.
  • No fees and commissions.
  • Discounts and discounts for regular customers.


  • Fast, emergency credit repaid through equal monthly installments – up to 18.
  • Size from 200 to 2000 leva.
  • Any adult Bulgarian citizen with a valid identity card can apply.
  • Guaranteed loan – up to 5 days after absorption of the loan, you must bring two natural persons of guarantors (meeting conditions), or provide a bank guarantee.


  • Quick Loans in monthly installments – easy and urgent. Repayment from 3 to 24 months. Contributions are determined individually.
  • Up to 3000 leva.
  • Sending an application is completely free of charge.
  • No day off, you are required to be mature, with a valid ID and income.
  • Opportunity for refinancing.


  • An easy consumer loan that is extinguished on an equal basis

monthly installments – 4, 5, 6, 7, 8 or 9 months.

  • Size from 200 to 2500 leva.
  • The credit amount is up to 24 hours in your home or on Easy Card – a debit card free of charge for issuing, maintenance, towing and payment.
  • Collateral required.


  • Quick loan in monthly installments, easy and transparent. Repayment term up to 12 months
  • From 600 to 1500 leva.
  • Application conditions: 18 years of age, permanent income and paid social security, loan amount – less than monthly income and good credit history.
  • Money to minutes – approval within 20 minutes.


  • Fast and easy fast loans in monthly installments. Duration 4 to 24 months.
  • Size from 100 to 5 000 leva.
  • Requirements: Bulgarian citizens or foreigners permanently resident in the country who have attained the age of 18, officially proven regular income from labor or civil law, pension.
  • Free consultation and additional services.


  • Quick consumer credit in monthly installments. Duration 3 to 12 months.
  • Size from 100 to 3 000 leva.
  • Suitable for people with monthly income.
  • For each payment you receive an SMS message, you can check the current status of your credit.


  • Fast and easy consumer credit, repayment method – monthly installments from 3 to 11. Maturity dates tailored to your capabilities.
  • Up to $ 2,000 without getting off the computer.
  • Approval for 20 minutes.
  • Opportunity for refinancing.
  • Preferences and bargain offers for loyal customers.


  • Fast credit with additional service option – express review, repayment of monthly installments from 3 to 9.
  • The amount ranges from 300 to 1,500 leva.
  • Opportunity for refinancing.

What Are The 8 Steps Of A Personal Bankruptcy In Quebec?


Your problem of over-indebtedness is not insurmountable. Let a professional in financial turnaround help you make an informed choice among the various solutions available to you:

  • Debt consolidation
  • Mortgage Refinancing
  • Consumer proposal
  • etc.

If you opt for a personal bankruptcy, your expert will accompany you at each stage along your path towards better financial health.


Here are the 8 steps of a bankruptcy burst


While personal bankruptcy may seem long and tedious, be aware that with the assistance of a seasoned trustee in bankruptcy, you will have peace of mind. Most of the time, the steps follow one another without problems and quickly.



  1. Contact a trustee in bankruptcy for a free consultation

    Contact a trustee in bankruptcy for a free consultation

A trustee in bankruptcy is a professional who has all the expertise required to provide you with all the appropriate advice and to help you find the right solution for your financial situation.

Your professional will take stock of the current state of your finances taking into account, among other things, your budget and your debts.

He will present you the various possible solutions as

  • Personal bankruptcy
  • The proposal
  • The consumer proposal
  • Voluntary deposit …

It will explain you in a simple way, but specify what differentiates them from each other as to their advantages and their repercussions so that you can choose the solution that suits you best.

When your choice is fixed, he will explain the next steps and will accompany you.


  1. The declaration of bankruptcy

A trustee in bankruptcy is a professional duly mandated by the Act to make the official declaration of your personal bankruptcy.

If, following your information meeting, you decide to declare bankruptcy, the official forms will be completed by your trustee.

When you sign them, your personal bankruptcy file will be filed with the Office of the Superintendent of Bankruptcy (OSB).

From then on, your personal bankruptcy will be officially declared . As a result, your creditors will have to deal directly with your trustee in bankruptcy .

From this point on, you can stop paying the amounts required by your creditors.


  1. The sale of your seizable property and the payment of the sums to the trustee

It is the role of the trustee in bankruptcy to determine which of your assets will be sold to repay your creditors. The money raised will be placed in trust and then distributed equitably to your creditors.

However, you will be able to keep certain property protected by law (food, specific furniture, instruments necessary for the exercise of your profession, alimony, certain benefits …)

In addition, additional amounts must be paid monthly to your trustee. These amounts will also be given to your creditors.


  1. The trustee sends a notice of bankruptcy to your creditors

    The trustee sends a notice of bankruptcy to your creditors

If the value of your assets or debts is large, it may happen, but it is not common, that your creditors ask for a meeting to be held to inform them about the bankruptcy. certify the assignment of a trustee and give him information or direction and appoint inspectors who will control the management of the assets.

If a meeting of creditors takes place , you are obliged to attend.

Otherwise, your creditors will simply be informed of the value of your property, your debts and your monthly budget, which will give them a clear understanding of your financial situation.


  1. The Office of the Superintendent of Bankruptcy may want to meet you

It may also happen that a BSF representative asks to meet with you to ask you questions about the reasons for your bankruptcy, your actions, about particular debts, or about the “loss” or disposition of your assets. . You must answer, under oath, the questions that will be asked.



  1. Two (2) consultation sessions

You will have to attend two (2) meetings with a financial advisor to reorganize your finances.

At the first meeting , it will discuss the distribution of your budget, the use of credit and other deferred payment of bills and your consumption habits.

The second session will identify all the circumstances that led you to declare your bankruptcy and establish a plan of action to get you back on track.


  1. Report prepared at the request of the BSF by your trustee in bankruptcy

Depending on your situation, the BSF may request a report from your trustee in bankruptcy about:

  • your finances
  • reasons that led you to declare bankruptcy
  • the importance you have given to the settlement of your debts
  • of your behavior before and after the filing of your personal bankruptcy
  • etc.



  1. Release your bankruptcy

    Release your bankruptcy

If you have fulfilled all your obligations and passed through each of the steps mentioned successfully, you are now free from your erasable debts.

How long does a personal bankruptcy last after filing your file?

First bankruptcy Second bankruptcy
9 months 24 months
If you have to pay additional amounts for excess income
21 months 36 months


Do you consider declaring bankruptcy? Consider your different options


Reset your credit without further delay. Do not let your debts undermine your peace of mind.

Find a financial advisor, a trustee in bankruptcy or even a mortgage broker (if you want to take out a mortgage despite your bankruptcy) who will guide you and accompany you along the road to improved financial health.

Save time and money by soliciting multiple professionals in one quick and easy online quote. Fill out the form on this page free of charge and wait for the offers that will quickly send you the best financial recovery specialist in your area.


10 Online Loans to Salary: Expenses and Accounts

The salary is the main source of income of workers in our country, but when it does not reach many people are looking for withdrawing fast online loans to salary urgently to earn months. Even now, people with bad credit history give them away. Clarification at

Securing money to pay is an important problem for many Bulgarian families. Sufficient or not, or less serious amount, it formed the minimum cash which cover life’s expenses, utilities – utility bills, meeting the needs and interests use for education, treatment, vacations, trips and holidays, take advantage of bargains , services, promotions and more.

Real wages are the amount we have received and with which we can meet our actual needs. The payment of salary is also guaranteed by the Bulgarian legislation, because labor is always rewarded.

The salary is a constant monthly remuneration for the labor employed by the employees, it depends on many factors and is obtained on a certain date.

With this date, costs are covered that we need to cover regularly and on a regular basis. Often in practice it is going to pay us late due to various objective and subjective reasons, and we find ourselves unable to cope with the complicated situation.

If we do not have money to pay, one of the options is to withdraw credit, use a small amount of money for our urgent needs and return it in a short time.

Loans to paycheck are fast –

Loans to paycheck are fast -

Applying online, in an easy and simple procedure with minimum documents, approval was immediate and the same day I receive money in a convenient way. We will introduce you to top offers of online loan companies to payroll.

1. Credisimo – Creditsimo to salary

  • Maximum amount up to 600 BGN and repayment term from 15 to 30 days.
  • Simple and easy procedure – choose the amount and fill out the quick online form, you get an answer for approval to seven minutes by email or phone, take the money immediately by bank transfer or in cash EasyPay.
  • Applying only with an ID card without guarantors.
  • The application is completely free and does not bind you to a contract, you can opt out if you want.
  • There are no additional fees and unclear costs, no early repayment fees.
  • Every first and fifth credit to a salary returned for a period of 30 days without interest, free of charge, you return as much as you received.
  • You can extend the payout period – an unlimited number of times if you are unable to pay on the due date.

2. Feratum – Loan to pay

  • Online credits up to a salary of BGN 50 to BGN 800 and a repayment term of 5 to 45 days.
  • Applying through an internet application on the company’s website or in an office and its partners, approve up to 10 minutes and get the money instantly in a convenient way.
  • Conditions for allocation: Age between 18 and 70 years of age with permanent address registration, income and pure credit history.
  • You are familiar with the price of the service, you know the exact amount of interest and fees.
  • Express loans without hidden and additional charges.
  • You need to specify a guarantor – a natural person meeting the conditions or a bank guarantee from a partner bank of the company.
  • Every first loan to a salary is with 0 BGN interest, returned once in 15 days.
  • You can extend the loan term by 7, 15 or 30 days: 5 times, by paying a fee.

3. Micro credit – CrediNet

  • Fast online loan from 200 to 3 300 leva, repayment term from 3 to 12 months.
  • Easy approval – free application, credit only against ID card , receive SMS or email.
  • Any credit can be repaid free of charge within 30 days, against payment of an administrative fee.
  • No collateral is required, no guarantors are required, only a contact person – 18 years of age and a mobile phone is required.
  • Absorption of the money and repayment – by bank transfer, in the office of the company or at the Easy Way bank.
  • You can receive up-to-date credit information by phone, e-mail, or by a contributor to chat on the company’s website.

4. City cache – Credirect – Credit to salary

  • Online credits up to 500 BGN payable per contribution for a period of 14 or 28 days.
  • Award terms: At the age of 18, provide the necessary information and meet minimum credit requirements.
  • Enter your chosen amount and repayment term, fill in the form and after fast approval, you get the money, the express service guarantees you a review of up to 20 minutes.
  • You receive the credit agreement by email together with the other documents.

5. Mini Loan – Loan Loan

  • Amount up to 500 leva, repayment term up to 30 days.
  • Conditions for release: 18 years of age, permanent income, mobile phone and email address.
  • Approval within 30 minutes, signing the contract remotely.
  • The interest is paid only for the period of use, there are no fees for early repayment.
  • You can get credit even if you have another loan.
  • Every first credit returned within 15 days is without any cost.

6. Kint

  • Online credit up to a salary of 50 to 1 000 BGN, repayment term up to 12 months.
  • Approval from 5 to 20 minutes, get an opinion by email.
  • Conditions for allocation: Bulgarian citizens over 18 years of age, with a bank account and correctly filled in data.
  • No hidden fees, application is free.
  • Credit guarantee: Within three days of the conclusion of the contract, you must present a guarantor that meets the requirements – to work on a labor contract for at least 6 months with the last employer, to have a social security income of more than BGN 1,400, a net credit history there is no active loan to the company.
  • You can extend the credit period by 7, 14 or 30 days against a fee for an extension fee.
  • You can refinance if you have no arrears and have repaid 75% of the loan.

7. No credit

  • Fast credit up to 500 leva, without getting off the computer, electronic signing of the contract.
  • Satisfaction terms: age 18 to 65, work, have a good credit history, and provide trusted data.
  • There is a detailed credit calculator to make your calculations for the interest and the total due amount.
  • Every first loan of up to BGN 500 returned for 30 days is free of interest and fees.

8. Free Loan

  • Online credits up to 700 leva payday, receipt on the day of application, return to 45 days.
  • For all adult Bulgarian citizens, credit without a labor contract , regardless of the social background.
  • You fill out an online application, it is processed immediately, the money is placed on your bank account or at Easy Money.
  • There are no application fees, no security is required.

9. Cash Loan – Cash Per Day

  • Size from 100 to 399 leva, repayment term up to 30 days.
  • Within one day of absorbing the money, you must bring a natural person – a guarantor in the offices of the company or it will provide you with a guarantee from a selected company for which you have to pay a fee.
  • Approval up to 6 minutes, no service fees and early repayment.
  • The interest is fixed, you pay only for the period of money use.
  • Every first credit Cache per day for new customers has 0% interest on online application.

10. Smile Credit – Loan to Pay

  • An amount of 50 to 500 BGN, an online credit received by bank transfer or at Easybank.
  • Conditions for eligibility: 18+ imported insurance and regular income, your monthly income is higher than the loan amount and have no arrears.
  • Online credits to pay guarantors, no charges.
  • In case of payment difficulties, you can pay the interest, and the principal to reschedule, or to pay the interest and part of the principal, and the balance to reschedule.

Interest-free Loan To Salary: Every First Fast Loan with 0 Interest

The most convenient and fast loans , 7 days a week without a break. Every first – fast interest-free loan to pay – is granted in BGN and amounts to 50 to 1 000 BGN.

Secure and secured credit from Vuvuus – licensed and authorized – registered in the Central Register of the BNB, administrator of personal data under the Personal Data Protection Act.

Affordable and transparent loans with 0 interest from a responsible company, based on its principles of ethics and honesty.

  • Apply online without going out of the computer without visiting offices without wasting precious time, simple and simple – fill out a short form of company website. Take a close look at the terms of the contract and sign with the “Confirm” button. You may request an additional service – an express review of your credit request.
  • After approval for up to 15 minutes , you will receive the money immediately, in minutes by any means you choose – by bank transfer or cashier at Easypay.
  • Every first loan from the company is completely free of charge, 0% interest , no fees, no costs, you return as much money as you have taken, without any cost. The amount of money for this extremely profitable offer is 350 leva, returned up to 30 days.
  • Without guarantors , no guarantees are required.
  • Immediate credit immediately, no registration fees, no money transfer fees, no fees for the movement of the funds or no early repayment of the loan.

Terms of a loan from the company: Be Bulgarian citizens over 19 years of age, provide the requested information and meet minimum credit requirements.

You choose a sum to withdraw yourself and a period for repayment.

Special and professional attitude towards each client, competent and reasonable individual solutions tailored to your real financial capabilities.

At any point you are aware of the movement of your money, you know how much you owe, what is the amount of the interest and the principal, what is the amount of the repayment installment and what is the maturity date, you have a personal profile from which you monitor and control the status of the loan.

  • In unfavorable financial circumstances, in the event of a delay in your earnings or other unforeseen circumstances – every first quick non-interest-bearing loan to a salary , contact your customer service center immediately to seek a solution for you. You can take advantage of the opportunity offered by the company – extension of the loan term. You can extend 7, 14 or 30 days for a minimum fee, the size of which you will find in your personal profile.
  • Within one calendar year you can extend the loan term – an unlimited number of times.
  • You may only have one active credit to the company, but you may apply for an additional amount to it.
  • You can get a payday loan if you qualify, even if you have a loan from another company.
  • Way of returning the money on the loan – by bank transfer, cashier in Easeppe or via Cashier.
  • If you have any discrepancies or misunderstandings about important financial questions, you may be contacted by phone, email, go to site or complain to the company, you will be promptly and willingly responded.
  • In case of non-payment of the amounts on the loans, interest is charged in the amount determined by laws and rules. You are sent a reminder letter about the commitments made in the credit agreement. Delaying and overdue credit leads to a worsening of your credit history stored in your credit file.

For Vivus – one of the leaders in offering interest-free loans in Bulgaria

Vuvus loans are granted by an international company with stable and serious positions in the credit market – “4 Finance” EOOD.

The Company is registered with the Commercial Register at the Registry Agency with the scope of activity – lending with own funds.

The company is leading and responsible because it offers excellent conditions for short-term financial solutions and satisfies the most accurate consumer needs.

The company works successfully not only in our country but also in northern Europe – Latvia, Lithuania, Finland, Sweden and Denmark. The company has created traditions and history in countries such as Poland, Russia, USA, Canada, the United Kingdom, Spain, Georgia, Estonia and the Czech Republic.

In “4 Finance” Ltd. operates a motivated and highly qualified team of specialists whose aim is to maximize the work of the clients.

Satisfied customers are a measure of prestige and prosperity.

Loans are granted after an in-depth analysis of each client’s financial condition to make an adequate decision and reduce the financial risk to a minimum. The company has built its authority, defends it in a categorical manner, works modernly and correctly.

The companies are extremely popular with their service: every first fast non-interest-paying credit to pay all over the country!

Summary information:

  • The maximum amount you can get: $ 1,000
  • Minimum amount of fast online credits: 50 leva
  • Credit request response time – up to 15 minutes.
  • Application conditions: To be a Bulgarian citizen older than 19 years, to provide all the necessary information required in the online application form, to cover minimum credit requirements.
  • How to apply – all online.
  • Ways to receive money – by bank transfer or cashier at a convenience store for you in Easypay.
  • There is an opportunity to extend the loan term.
  • Working hours – weekdays from 8am to 8pm, weekends and public holidays from 10am to 5pm.
  • First free interest-rate credit: YES

Paying your mortgage servicer | Information for consumers

When you obtain a mortgage loan, you may think that the loan entity will keep and manage your loan until you finish paying it or until you sell your home. Frequently it is not like that. In the current market, loans and the rights to manage them are bought and sold quite frequently. In many cases, the company to which you send your payments is not the company that owns the loan.

A house is one of the most valuable purchases you make in your life, so it is important that you know who manages your payments and that they are credited correctly to your mortgage account. The Federal Trade Commission (FTC), the national consumer protection agency, wants you to know what a mortgage servicer does and what your rights as a borrower are.

The responsibilities of the mortgage servicing services companies and their rights

A mortgage servicer is responsible for the routine administration of your mortgage loan account, which includes charging your loan installments and crediting these payments to your account; and if you have an account escrow (escrow, in English), also address to manage it . If you have any questions about your mortgage loan account, you have to contact the administrator.

Escrow accounts

Escrow accounts

A escrow account, better known as an escrow account, is a fund maintained by your mortgage servicer to which you provide money to cover the payment of property taxes and property insurance. Usually, the payments corresponding to your escrow account are included in the monthly payment of your mortgage. Your mortgage servicer pays taxes and insurance premiums as they accrue during the course of the year. If you do not have an escrow account, you must pay the taxes and insurance premiums on your own.

If your mortgage servicer manages your escrow account, federal law requires you to pay the taxes, insurance premiums, and any other established charges promptly with the funds from that account. Within 45 days from the date of establishment of the escrow account, the administrator must provide a summary that clearly details an estimate of taxes, insurance premiums and other charges to be paid within the following 12 months together with the dates and total amounts foreseen for said payments.

Your mortgage servicer must also provide you with a free annual statement in which you detail the activity of your escrow account, for example, you must itemize your account balance and reflect payments for your property taxes, property insurance and other charges.

Transfer of the mortgage loan management service


If your loan is transferred to a new administrator, you usually receive two notices: one from the current administrator and the other from the new administrator of your mortgage. In most cases, your current servicer must notify you at least 15 days before the effective transfer date, unless you have received a transfer notice at the time the loan transaction closes. The effective date is the day the first mortgage payment should arrive at the address of the new mortgage servicer. The new administrator must notify it 15 days after the date of the loan transfer.

  • Both notifications must include the following information:
  • The name and address of the new mortgage servicer.
  • The date on which the current administrator will stop accepting their mortgage payments.
  • The date on which the new mortgage servicer will begin to accept your payments.
  • The telephone number of the toll-free or collect-back lines of the current administrator and the new administrator to obtain information about the transfer.
  • If you can continue with optional insurance coverage, such as a creditor’s policy with life or disability insurance coverage; the measures you must take to maintain insurance coverage and if the terms of coverage will be modified.
  • A statement that the transfer will not affect any of the terms or conditions of your mortgage, except those that are directly related to the administration of the loan. For example, if your contract states that you can pay real estate taxes and insurance premiums on your own, the new mortgage servicer can not require you to establish a escrow account for that purpose.
  • A statement explaining your rights and how you should proceed in case you have any questions or complaints about the loan administration service.

There is a 60-day grace period that applies from the date of transfer, during this period you can not charge a late payment fee if you mistakenly send your mortgage payment to the former mortgage servicer instead of sending it to the new administrator.

Transfer of possession of the loan

Transfer of possession of the loan

The right of possession of your loan and the rights to administer it may be in the hands of one or two companies. If the ownership of your loan is transferred, the new holder of the rights of possession of the loan must send you a notice that includes: i

  • The name, address and telephone number of the new owner of the rights of possession of the loan.
  • The date on which the new owner takes possession of the loan.
  • The person who is authorized to receive legal notices and who can resolve issues related to loan payments.
  • Where the transfer of the right of possession is recorded.

The new owner of the right of possession of the loan must notify it within 30 days after the date of taking possession. This notice is in addition to any other notice you may receive regarding the transfer of the administration rights of your loan.

Accreditation of payments


The administrator must credit the payments to your mortgage account the day you receive it. Some consumers have complained about the application of late payment charges, even when their payments were made on time. To protect yourself, keep all vouchers for your payments, including billing statements, paychecks, or bank statements. Maybe you can check online the movements of your account. If you have a dispute or dispute, continue to pay the monthly installments of your mortgage, but notify the administrator in writing (see Model Letter), and keep a copy of the letter and all the accompanying documentation for your file. Send your correspondence by certified mail to the address specified by the administrator and request an acknowledgment of receipt. If you wish to send your letter and the attached documentation by fax or email, be sure to follow the instructions of the administrator and before sending your letter confirm the fax number or the e-mail address. Keep a copy of the confirmations of the fax transmission and of the acknowledgment messages and replies received by email.

Forced insurance

Forced insurance

It is important that you have the mandatory property insurance for your home. If you do not have this coverage, the administrator of your mortgage loan can buy it on your behalf. This type of policy is known as forced insurance (in force). Usually, this insurance is more expensive than current insurance although it provides less coverage. The fundamental purpose of a forced insurance policy is to protect the owner of the mortgage.

Carefully read all correspondence you receive from your mortgage servicer. Your administrator may ask you to provide a copy of your property insurance policy. Quickly respond to requests related to property insurance and keep copies of all documents sent to your mortgage servicer.

If you believe there is a paperwork error and that your coverage is adequate, send the administrator a copy of your insurance policy. Once the error is corrected, cancel the forced insurance coverage and reimburse the cost of the policy, make sure that it also credits you with any late payment fees or interest that you would have applied for the insurance coverage.



Carefully review your billing statements to be sure that the charges applied by your mortgage servicer are legitimate, including charges that may have been authorized by you or by the mortgage contract to pay for a service. If you do not understand what the charges are for, send a written inquiry and request a detailed explanation of the charges. Also, if you call your loan administrator to request a service, such as faxing copies of loan documents, be sure to ask if they will charge you for the service and what the value of the service is.

Special considerations for loans in default


If you fall behind with one or more installments of your mortgage loan, you default or default. Your mortgage servicer can then impose “services related to non-payment” to protect the value of the property. These services can include inspections of the property to make sure that you are living in the house and to control that you are maintaining it. If you consider that you are not maintaining the property correctly, the administrator may require “property preservation services”, to mow the lawn, do yard work and repair, or to cover broken windows or doors with boards. The cost of this type of services, which may add up to hundreds or thousands of dollars, is charged to your mortgage account. If the administrator initiates the foreclosure procedure on your property, you will apply additional costs to your account such as attorneys’ fees, search for title deeds, and other expenses for postal items and the publication of notices of foreclosure. This can add hundreds or thousands of dollars more to your loan and as a result, it will be even harder to catch up on your mortgage and avoid foreclosure.

If you are in this situation, stay in touch with your mortgage servicer. Administrators have different policies regarding the time established to require services related to non-payment. Some may not require an inspection of the property or require preservation work if you inform them of the months you live in the house, who are in charge of its maintenance and if they are also working with you to find a solution to resolve the delinquency of your account. However, it is important that you review your billing statements carefully and question the charges that are incorrectly attributed to you. If your account statement shows charges registered under general concepts such as “other charges” or “corporate advances”, contact your loan administrator in writing to have an explanation of those charges and the reason for their application.

Are you struggling to make your payments?

If you are struggling to make your payments – or if you have already incurred default or non-payment – contact your mortgage servicer immediately. When you are trying to solve problems with your account, it is very important that you keep the communication channels open. If you are having difficulty communicating with your mortgage servicer or finding a solution to your problem call 1-888-995-HOPE to receive free personalized assistance from housing counseling agencies certified by the Department of Housing. Housing and Urban Development of the United States ( US Department of Housing and Urban Development , HUD). This hotline serves calls from around the country 24 hours a day, 7 days a week and is operated by the Homeownership Preservation Foundation , a non-profit organization that is a member of the HOPE NOW Alliance that is comprised of participants from the mortgage market and counseling agencies certified by HUD. To receive free online guidance, visit (in English).

Declaration of the balance for cancellation

Declaration of the balance for cancellation

A statement of the balance for the cancellation ( payoff statement , in English) is a document that specifies the amount required to pay the entire loan, Generally, mortgage administrators must deliver this statement if you request it and follow the instructions . Your mortgage administrator must give you this statement within a reasonable time – usually within 5 business days – from the date of your request.

Inquiries and disputes

By federal law, the servicer of your mortgage loan must respond promptly to the inquiries you submit in writing, also called “qualified claims in writing” (see Model Letter). If you believe you were charged a late fee or penalty for incorrect payment or if you have other problems related to the administration of your loan, contact your mortgage servicer in writing. Be sure to include your loan account number and clearly explain the reason why you believe an error was made in your account. Send your correspondence to the address specified by the administrator for this type of claim.

Your mortgage servicer must send you a written response acknowledging receipt of your letter within 20 business days. Within 60 subsequent business days, the administrator must correct their account or determine that no error has been committed. The administrator must send you a written notice describing the action or action you took and the reason for it, along with the name and phone number of a person with whom you can communicate to discuss the action taken.

Do not subtract any disputed amount to the payment of your mortgage fee. Your mortgage administrator may reject those amounts you consider partial payments. They may return the payment or put your account in “suspended” or “pending” status until you pay the rest of the monthly payment. In any case, the administrator may charge you a late payment fee or claim that your mortgage is in default or default and initiate foreclosure proceedings.

This is a model letter to present a “qualified written claim”. Use this letter format to address your claims under the provisions of the Real Estate Settlement Procedures Act (RESPA). Before writing your letter, ask if the claim will be accepted in Spanish.


Money Paid without Bet and No Guarantee: Fast And Easy

In our country there is an increasing demand for fast and urgent loan money without a pledge, no guarantors and no guarantors with fast and easy application. Loan granting is a two-way process that creates contractual relationships between banks or financial companies and borrowers. See for an illustration

In the course of loan repayment, it is possible to coincide with circumstances – sometimes objective reasons prevent rhythmic redemption, force majeure leads to arrears and suspension of debt. In order to reduce the risk to the creditor, in this situation, he seeks to secure his claim.

Bets provide protection for banks and financial companies in case of bankruptcy of their debtors. Bets can be set up on fixed tangible assets – machines, equipment, equipment, means of transport, account deposits, cash transferred to a wage bill or other income, receivables from third parties, dematerialized securities, other valuables, finished goods, goods in turnover, company shares, registered trademarks, industrial designs and others.

The borrower may use the pledge in its business with the care of the good owner, and the creditor is entitled to check its status.

The formation of a bet is a guarantee of a return on the due money. When you draw a credit, you are not always able to make a suitable bet. Therefore, we will offer to your attention the provision of money on a loan without a pledge of financial companies for fast loans and banks.


UniCredit Bulbank – “Fast Credit”

  • Loan without collateral, no bets .
  • Credit without transfer of salary.
  • No guarantor.
  • Currency BGN, size 500 to 10000, repayment term from 3 to 72 months.
  • Apply online, by phone or in a convenient branch of the bank, with an ID card only, get a response within 2 hours.
  • Online fast credit from banks with a fixed interest rate for the entire loan period, the amount of the interest depends on the amount of the amount and the term for repayment.
  • Fees according to the bank’s tariff.
  • There is a possibility to take out insurance with an insurer partner of the bank.

United Bulgarian Bank – Consumer loan with fixed interest rate

  • Emergency loan money without pledge and no collateral.
  • Loan without transfer of salary.
  • Loan without guarantor .
  • Amount of 500 to 20000 BGN , repayment term from 6 to 60 months.
  • Quick and easy application.
  • Fixed interest rate for the entire loan period.
  • There is no application fee, there is a credit assessment fee, and there is a prepayment fee for the loan servicing account.
  • Repayment of the loan – in equal monthly installments, you can also use UBB ATM for this purpose.
  • There is a possibility to take out “Credit protection”.

TBI Bank – Credit quick money

  • Loan without guarantors, guarantees and bets.
  • Amount of 300 to 10000 BGN, repayment term from 3 to 36 months.
  • Minimum documents and quick access to cash.
  • Apply online, by phone or in a convenient office.
  • Extinguish all known ways.


  • Without guarantors , guarantors or bets, you do not need to prove your income, you do not have to work on a contract of employment.
  • An amount of 50 to 1 300 BGN, a repayment period of 30 days, you may extend the time limit, you may withdraw an additional amount.
  • Approve up to 15 minutes and you will receive the money immediately by bank transfer or at Easy Money – Fast EASYPAY Credit .
  • Online credit terms: 19 years of age, provide the required information and meet the minimum credit requirements.
  • Every first loan is completely free – up to $ 400, return period of 5 to 30 days, return as much as you’ve taken.
  • There are no application and absorption fees, no fees and commissions for early repayment.
  • Individual conditions and special discounts for the right customers, working hours 7 days a week, holiday and holiday days.

Micro Credit – CrediHome

  • An amount of BGN 200 to BGN 3,000, repayment term from 9 to 48 weeks or from 3 to 12 months.
  • Loan only against an ID card, without requiring collateral, bets or guarantors.
  • You must be at least 18 years of age, there is no age limit, you do not need to prove income.
  • Apply through an online request, by phone and at a company office.
  • Receive cash, pay the loan to a credit consultant, an office or a bank transfer.
  • Fixed interest and equal repayments.
  • Service by a personal credit consultant.

BNP Paribas – Credit for personal purposes

  • Money on a non-pledged loan from BGN 800 to BGN 30000, repayment term from 6 to 84 months in equal repayments.
  • No pledges or pledges are required.
  • Easy online loans with fixed interest rates for the entire loan period.
  • There are no hidden fees and commissions, there is a commitment fee.
  • There is an online credit calculator to make your calculations and be aware in advance of the amounts due.
  • Ways of repayment – free of charge with CashCerminal, via an ATM, affiliated banks, cashier in EasyPay and others.
  • You can make insurance: “Protection of payments”, for unwanted events and difficult moments.

Fast Loan: 8 Top Loans and No Income


In Bulgaria almost all emergency online lenders offer the service a fast credit of up to BGN 1000 . They are one of the easiest and quickest credit products – some are without proof of income , no guarantor, only with ID card and interest-free credit to salary.

The amounts you are looking for are usually up to 500 leva and 600 leva, and there are a lot of searches at 200 and 800 leva. Here we present some of the best and most famous companies in Bulgaria, offering mini online loans up to 1000 leva.


One of the leading companies in the industry. Their service is up to 1000 leva. Features:

  • Easy online loan up to 1000 leva
  • Without guarantors and no guarantor.
  • No day off – 7 days a week.
  • Every first loan to pay without interest .
  • Approval for up to 15 minutes .
  • Across the country – just get access to the internet.
  • Easy and fast online application.
  • As soon as they get you, they put the money on your bank account.
  • You can extend the credit period by 7, 14 and 30 days.
  • Credit up to $ 1,000 without proof of income.



When it comes to urgent online loans and quick money on time, they are also a leading company in the industry. Important features:

  • Interest-free loan up to a salary of up to BGN 600 and loan in installments up to BGN 2500
  • Free application for the loan – no fees and additional commissions.
  • Approval only up to 7 minutes, credit without proof of income.
  • Completely online, credit only against identity card .
  • All over Bulgaria, wherever you have access to the Internet.
  • No day off . Works on Saturdays and Sundays.
  • One of the main leaders in online lending in Bulgaria.
  • Website:

Credit Ins

The Company grants short-term consumer loans with the following characteristics:

  • Amounts of 200 to 1500 BGN
  • Only against ID, no guarantor .
  • You can repay the amount of 3 to 12 months in installments.
  • You get cash in cash.
  • Approval for up to 20 minutes.
  • You pay interest only for the period of the loan.
  • You have the opportunity to refinance fast online loans .
  • Benefits for loyal and honest clients.
  • Fixed monthly repayment installments.

Smile Credit

We can not but mention that company here. If you are looking for urgent quick credits up to $ 1000, they can provide you with no time.

  • Money in minutes – Apply with just 4 clicks, fast and easy.
  • Loan from BGN 50 to 500 without a guarantor.
  • Loan in installments from 600 to 1500 BGN without guarantor.
  • Opportunities for loan refinancing.
  • No collateral, bets and mortgages.
  • Do not visit credit counselors in your home.
  • Completely online.
  • You get the money on your bank account or in an Easy Pay office.


Feratoum is a popular international micro-credit company operating in many countries – 23. Features of its fast credit are:

  • Fast money on loan at any time, day and night – no day off!
  • Very short and easy application form.
  • Fast online loans in monthly installments and with the ability to get your money up to 10 minutes.
  • From any device you can apply for a loan – through a phone, through a laptop, a tablet and everything else that has internet access.
  • Credit Online 5 Minutes – Very Fast Approval Without Wasting Time.
  • Grace period of repayment – 3 days.
  • Possibility for interest-free credit up to BGN 700
  • Possibility to extend your loan term.
  • Website:


And this online money loan company will include it in our fast loan topic of up to $ 1,000. Credithealth Ltd. offers fast cash loans to individuals with proven and unproven income. Characteristics of credits:

  • Very fast approval for up to 20 minutes .
  • Without getting out of the computer – all online.
  • You get the money on your personal bank account.
  • Offers its products all over Bulgaria – you can apply online through a credit consultant or an office.
  • 27 offices across the country.
  • Offers repayment plans tailored to the individual needs of customers.
  • Preferential terms for loyal customers.

Mini Loan

And this service is quite popular in Bulgaria. It offers easy access to financing in difficult times and necessities. Mini Loan is a service of Easy Finance. Characteristics of the loans:

  • Fast credit up to 500 leva.
  • Contribution of up to 1800 leva
  • Attractive promotions and offers like interest-free credit if you return it within 15 days.
  • You get an answer if you are approved within minutes .
  • You receive the money by bank transfer or at Isi Pei Cashier within a few minutes after you confirm the contract.
  • Works also on Saturday from 10.30 to 14.00.
  • No fees for early repayment.
  • Possibilities for extending the duration of the contract and refinancing your obligations.
  • Reduce the interest rates for each of your next online credit with a correct payment.

Cash Loan

Surely you know this company as they give off some of the fastest online loans in Bulgaria. Cash Credit is a financial institution that grants micro credits to individuals only against an ID card.

  • Approval up to 6 minutes – one of the fastest online loans.
  • Cache per day up to 399 leva
  • Credit line up to 2000 leva
  • Fixed interest for the period of the loan.
  • You only pay for the days you used the loan.
  • You get the full amount for which you are approved, right away.
  • Only against identity card without proof of income.
  • Loans for unemployed, retired and women in maternity.
  • Over 70 offices across the country.
  • A free phone where you can get more information.

What is a quick credit up to 1000 leva and how do you find the best one?

What is a quick credit up to 1000 leva and how do you find the best one?

Although the online fast credit service of up to $ 1000 is extremely popular in Bulgaria, it does not mean that it’s easy to choose the best one for you. Before that, you should be aware of some important things and milestones.

Here are some tips that may help you:

  • Check first for interest-free credit to salary . This is the most profitable option for fast online loans at the moment. Many businesses offer a non-interest-based loan if you can get it back at a certain grace period. An important point here is to check the grace period. There are companies that offer a grace period of up to 30 days (such as Credisimo), those offering a grace period of up to 15 or 14 days, and companies that offer interest-free credit for the entire contract period (such as Vivus, for example).
  • Compare credits and interest rates . This is very easy! How to compare? Every online loan company has a very easy calculator on your site. It shows how much interest you have to pay and what is the total amount you will be refunded. Calculate the interest rates, contributions, and final amount with the online calculators of your selected businesses and decide which one is best for you.
  • Check charges and additional commissions . They are also a key point. A fast online online loan company may have different types of fees: early repayment, application, loan application, etc. They can significantly increase your loan and the final amount. Please check carefully each of these fees.
  • Ask if you have unclear things ! Do not be afraid to ask any questions that are unclear to you. Still, it’s about your money. Most businesses now offer easy online chat, but you can also ask by phone or email.
  • Check that the company has a registration in the Central Register of the BNB . In general, this issue is underestimated and ignored, but it is very important. Check first that your business is legitimate and then make a decision to withdraw a loan up to $ 1,000 or a larger amount of it. Otherwise, you may be the victim of an incorrect company that will charge you too much interest.