Mortgage – Non-bank Mortgage Loans

A mortgage is an offer for people who are looking for a non-bank mortgage loan offer, in other words, debt is accepted in BIK databases as well as bailiff’s activities.

Not only banks specialize in granting loans against real estate, but also more and more companies from the non-banking sector (not to be confused with parabanks) are interested in entering this market. I wrote my time about the Crown Fund, today a company with a similar profile because it also specializes in non-bank mortgage loans – the Mortgage.

At the very beginning, a few words about the company itself – Hypocredit is a company registered in Krakow. The company commenced operations in 2014 and, as we can read in the KRS database, the main activity of the company is granting loans. At this point, I can specify that as of today, the company specializes only in providing non-bank loans for mortgages, ie loans that are secured by real estate. The company makes it possible to obtain high amounts of loans only to people who own property in the form of business premises, a building plot, a house or a flat. The payout time is usually 2 business days and the loan transfer takes place directly to the customer’s bank account.

Up to PLN 200,000.

Up to PLN 200,000.

Even this is what we can get as part of the offer of the Mortgage loan. However, the repayment period is relatively short because it can be 6, 12 or 18 months, with the possibility of extending up to 5 years. However, you must know that the longer the repayment period we decide, the more we will have to incur higher loan costs. It all depends, of course, on our individual loan repayment options, but the choice of the shortest repayment period will undoubtedly be the most advantageous for us. The amount of the loan depends mainly on the value of our real estate, in the amount not exceeding 50% of its value.

A mortgage and activity throughout Poland.

A mortgage and activity throughout Poland.

Although the company’s headquarters is in Krakow, it is possible to settle the formalities related to obtaining a loan throughout Poland. The company has its advisers in every major town, so in order to get the formalities in, we will not have to travel across Poland if, for example, we come from Pomerania. The offer is addressed both to individuals and companies that have headquarters or real estate in the following cities: Warsaw, Krakow, Wroclaw, Poznan, Gdansk, Sopot, Gdynia, Olsztyn, Torun, Rzeszów, Gliwice, Zakopane, Tychy, Bielsko-Biała, Szczecin, Lublin, Białystok, Katowice, Częstochowa, Sosnowiec, Kielce, Zabrze, Opole, Bydgoszcz, Zielona Góra or Łódź.

Debts in database and debt collectors.

Debts in database and debt collectors.

As I read on their website, the company provides help in various difficult situations also for people who have a negative history in databases and even in the case of bailiffs’ classes. Documents that are required to obtain a mortgage loan are the number of the land and mortgage register, the act of acquiring the real estate (decrease / contract of sale and purchase / donation agreement / other) and photographs of the real estate. No income certificates are required to obtain a loan.

Prejudice your questions regarding real estate rights, which is collateral for the loan. After signing the contract with the Loan, you will still own the property and you will have the right to use it as before. The real estate will be a collateral for the loan, i.e. it could become the property of the loan company only if the person who takes out the loan would not pay its liabilities, ie not repay the loan installments.


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Wondering what is loan insurance ? How does this variant work? When it really comes in handy? You will learn about all these issues from today’s entry.

What is loan insurance?

What is loan insurance?

It should be noted that people who take out a variety of short-term credits and loans must take into account responsibility for a specific period of having a given obligation. At this time, they must systematically pay off installments. Some people are afraid that during this time they will lose their jobs or, for example, suffer an accident, etc. It is impossible to hide that in such a situation it will be much more difficult to pay the monthly installment. Fortunately, however, you can protect yourself against such an event… How? That’s what people who take out loan insurance are about. It should be added that this guarantees protection in the event of such unfortunate situations as loss of job, illness, death, etc.

How does it work in practice?

How does it work in practice?

If, for example, you came to a hospital and rehabilitation is expensive, you can get money from insurance. Thanks to this you will have the cash to pay off your debts. If you do not decide to do it then you have to deal with a very serious problem. The same is true if you lose your job. Of course, you must buy food, pay for children’s books, etc. Loan insurance, however, gives you the chance to pay off your debts at the bank. Thanks to this you will also be able to calmly look for a new job. How does it work in the event of the borrower’s death? In this situation, the interests of, for example, husband, children, etc. are secured. All because the loan insurance allows them to receive money to pay off the debts of the main borrower…

Therefore, it can not surprise anyone that there is no lack of people willing to provide such a service. It should be emphasized that banks offer such a variant. It is very helpful that you do not have to pay several transfers, etc. All because the loan insurance is simply added to the main installment amount. It is very important, however, to choose a loan insurance which guarantees the borrower the widest scope of protection. So if you have time then compare the available proposals in this area. Thanks to this, maybe you will benefit from this aspect in the future.


Instant Payday Loan – Credit with high acceptance rate


All credit inquiries you make with us, be it a normal instant payday loan or a payday loan without Private Credit, are always free and non-binding. What you can rely on:

  • favorable interest rates
  • guaranteed free of charge and without obligation
  • TÜV approved consulting process
  • high acceptance rate

We tailor a loan offer taking into account your financial situation at the most favorable interest rate. Even a bad Private Credit will not deter us.

So you get a payday loan even with negative Private Credit!

So you get a loan even with negative Private Credit!

If you have a negative rating or at least no flawless rating, ideally you should apply directly for a loan without Private Credit. For these loans, the query of Private Credit is completely waived.

Also, the credit is not noted in the Private Credit. In order to get a loan with negative Private Credit, you have to choose a suitable provider.

The provider should of course offer Private Credit-free loans. Matching providers can be found in the free and independent credit comparison of our compan. Here the offerers are listed, which issue also without inquiry of the Private Credit a credit. Of course, these loans are not free of the corresponding collateral that a borrower still has to meet.

Requirements for a payday loan without Private Credit

credit without

  • The minimum age is 18 years upon application
  • The maximum age is 75 years upon application
  • The borrower must have a permanent residence in Germany
  • A regular income (civil servants, pensioners, the self-employed, employees)

Even with a negative Private Credit the borrower must have an income for a Private Credit-free loan.

This circumstance can not be changed, after all, the monthly installments are paid via the income. A non-scholar loan can be applied for directly here if there is an income. Simply select the cheapest provider for your loan amount and term.

Afterwards you can fill in and submit the necessary loan application directly online. This will be processed immediately for you. So you have the opportunity to get a loan even with a negative Private Credit and a bad Private Credit rating.

Are payday loans without Private Credit also suitable for the self-employed?

Are loans without Private Credit also suitable for the self-employed?

Even self-employed people can apply for a loan without Private Credit. For self-employed people, the loan without asking the Private Credit even has other benefits. Banks ask the internal Private Credit rating, but also contribute new loans to the Private Credit. As a result, each new loan automatically deteriorates the valuation in the Private Credit, so that self-employed people can take out a loan without Private Credit.

This has the advantage that other loans do not have to suffer from a too low valuation at the Private Credit. With self-employed find suitable Private Credit-free loans, which are in their conditions very beneficial for borrowers. The favorable interest rates increase the profitability of the loan. Through flexible monthly installments and maturities, the amount of monthly installments can be adjusted to variable income of self-employed.

Self-employed persons quickly gain assurance and planning certainty through the rapid examination and approval of Private Credit-free loans. The waiver of the query of Private Credit usually also has a positive effect on the creditworthiness of the applicant. Self-employed can be ascribed a higher credit rating, which is advantageous because many freelancers and entrepreneurs have a variable income. Since the loan does not appear in the Private Credit, suppliers and business partners continue to receive a good rating as information.

A small example – the own car without Private Credit

A small example - the own car without Private Credit

The practical use of a payday loan without Private Credit should be explained using the example of your own car. If for different reasons a new car is bought, this is usually almost always financed by a loan. In particular, new cars now cost so much that they can hardly be paid at one go.

So, when a loan becomes due, people with a bad Private Credit rating should directly take out a non-scholar loan. When buying a car, there are two options. For example, to finance a simple used car over a conventional installment loan without Private Credit query. On the other hand, there are also Private Credit-free car loans, with the help of which the financing of a new car is possible. Which variant is chosen, depends primarily on the required loan amount.

A very cheap used car, which costs only a small four-digit amount or less, can be financed via a installment loan. Private Credit-free installment loans are free in their use, which is why a private car can be bought from the sum of money. As a rule, the bank tries to compensate for the missing security of the Private Credit query. For car financing, the vehicle registration remains mostly with the bank, until the loan has been fully reconciled – as additional security.

This is then handed over to the borrower and car owner at the last installment. An income is necessary for car loans without Private Credit.

A payday loan is also possible without asking the Private Credit, as long as the budding borrower has a sufficiently strong income. The online credit without Private Credit is available on the Internet at various providers, so that future borrowers can take advantage of the best Private Credit offer.