Glossary Loan Insurance: Rental tax exemption

The tax exemption is the set of legal provisions giving the possibility to a person to benefit from a reduction on his income tax or solidarity tax on wealth (ISF). It is a determining factor in choosing a person to make a real estate investment.

Rental tax exemption allows the individual to reduce his tax when he makes a rental investment.

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Investing in rental real estate is particularly profitable. The acquisition of a house or an apartment can also be realized with an investment objective. Before embarking on the investment of a home, it is necessary to make a calculation of the rental profitability. This allows the investor to analyze the benefit of this investment and compare it with other investment solutions. This is essential to ensure a good real estate investment.

Real estate holds certain tax loopholes allowing investment in housing while benefiting from a tax reduction. To know all about rental tax exemption , do not hesitate to inquire about the law Pinel 2014. This law replaces the law Duflot, since September 1, 2014.

Before you start the rental tax exemption by becoming a homeowner, we advise you to make sure that it is not located in a city where rental investment is discouraged. In some sectors, there is indeed a rental offer much too important in relation to demand. And if you invest in one of these cities, you expose yourself strongly to the risk of finding no tenant to occupy your home.

The word of the broker

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In France, there are several provisions allowing tax exemption from income tax. Existing for about 20 years, the tax exemption concerns the financial and real estate sector. Rental tax exemption , when you buy a property to rent, allows you to reduce the amount of your tax. This advantage of the benefit of tax exemption is generally introduced to promote or revive a sector.

There are various tax exemption laws in real estate in 2015. These allow the financing of real estate through taxes and are proposed to fight against the lack of housing in France. Currently, there is nearly 1,200,000 homes missing in the French housing stock.

Waiting time mortgage insurance

In terms of loan insurance, the waiting period, known as the grace period, refers to a period that must be waited until the term for the insurer to pay compensation following the declaration of a claim by the insured. This period begins on the date of subscription of the loan insurance contract.

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Loan insurance usually includes a waiting period, known as the grace period, but also a waiting period. It should not be confused.

The guarantees of a loan insurance contract do not necessarily take effect immediately. Indeed, there are waiting periods such as the grace periods, as well as waiting periods. We explain the difference.

An exemption period means a period running from the declaration of a claim and after which the guarantee applies: the indemnity is paid by the insurer once this period has elapsed. Most loan insurance contracts provide, with the ITT guarantee, a so-called “grace period” waiting period. This means that coverage can only apply for a work stoppage after a certain period of time. A short work stoppage does not allow compensation.

The duration of a franchise period is in many 90-day borrower insurance contracts. However, some contracts propose to modulate this waiting period.

The waiting period is a period following the subscription of the insurance contract and during which the guarantees do not apply. Thus, if a risk occurs during this period and although the insured pays contributions, he can not receive any compensation.

There are deficiencies for the ITT, IPT and IPP guarantees. And they generally only apply in the event of incapacity for work or disability due to illness only.

The duration of the waiting period may vary depending on the contract. It is most often between 6 and 12 months from the subscription of the contract.

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Before taking out a loan insurance contract, remember to check the waiting period .

Business Loan of the Year 2018 – Closer to Business – All about small and medium business

Every year, in the Loan Magazine Awards, prizes are awarded for those products and services that set the highest standards on the Polish non-banking market. February 14, 2019 year. Loan during the Gala Magazine Awards 2018 for Business Aasa Brand won the title of Business Loan of the Year 2018. This is the third such award for the company, as evidenced by its well-established leader in the field of corporate finance.

Business outclasses competition

Business Loan Money

Aasa for Business is a way to quickly and conveniently obtain additional funds for the development of the company. The brand makes it possible to obtain financing in the amount of PLN 1,000 to 20,000 for a period of 1 to 36 months. The short procedure of applying for a loan, limiting to a minimum of burdensome formalities and the possibility of undertaking a commitment from the first day of running business, make Aasa for Business an unrivaled commitment on the Polish non-banking market. It is thanks to these features that Aasa dla Biznesu has for the third time in a row received the title Business Loan of the Year 2018.

I am honored to distinguish the brand which receives the distinction for the third year in a row, but it only confirms that in its business segment, the company consistently focuses on the development of this product, while putting a very strong emphasis on the education of its potential and future customers. – during the gala ceremony, Dr. Barbara Mróz-GorgoĊ„, Adjunct at the Marketing Institute of the University of Economics in Wroclaw emphasized.

– On behalf of the entire Aasa Polska team, I would like to thank you very much for this award. Behind us is a very intense, but also very interesting year, in which we focused primarily on the offensive, dynamic sales growth and product development. It is also a year of interesting initiatives whose main goal is to educate our clients. We have established a project called the Academy Closer to Business, to which we invited partners from various industries. Some of them are even in this room – I would like to thank them very much from this place. However, the biggest thanks I would like to send to our AAS team – for everyone and for the whole team. Thank you for your support and commitment to the development of our product – said Dominik Ciula, responsible for the development of Aasa dla Biznesu.

230 participants took part in the gala of the Loan Magazine Awards 2018

They witnessed the distribution of crystal prizes for the winners of the main categories, as well as additional prizes for the winners of special distinctions.

This year, for the first time in the history of the plebiscite, so-called Quality Loan Magazine Crystals. These distinctions went to brands that are characterized by transparency and reliability of the offered liabilities. One of the Quality Crystals has been honored with the Aasa Polska brand, which bases its operations on clear, understandable principles.


Instant loan despite bank rejection


  • Credit from abroad
  • 1,200 euros income necessary
  • Credit without Schufa in Germany
  • Request 100% free
  • special loan without Schufa
  • No Schufaabfrage, no Schufa entry!
  • Monthly net wage 1,150 euros necessary
  • Credit from Switzerland and Liechtenstein

A bank rejection means that a specific financial institution does not accept the loan application in the desired amount. It does not rule out that another bank will approve the loan requested. In the case of an instant loan via domestic credit institutions, the cash payment usually takes place within two bank working days.


If consumers take out an instant loan despite a bank rejection of the first loan application, they will look into the reason for the non-payment of the requested loan by the first requested bank. Although financial institutions are not obliged to justify credit rejections, most of them point out that their income is too low or that they are denied credit as a result of the Schufa information.

The instant loan and the creditable income

The instant loan and the creditable income

Loan seekers with multi-source income have a good chance of receiving an instant loan despite bank rejection. A large part of the financial institutions continue to take into account only the income from the main activity and possibly the child allowance in the budgetary accounts, while more and more employees are dependent on a secondary income. Income generated from outside work is available for both loan repayments and principal income, but many banks do not see it as secured in the long term.

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Credit with instant confirmation without credit rating

In the case of an instant loan application, on the other hand, financial institutions often refrain from submitting income statements and can thus not downwardly adjust the income calculated by the applicant, taking into account all sources of income and specified in the loan agreement. The inclusion of all income in the application for an instant loan despite bank rejection is just as legal as the calculation of the average value with fluctuating wage.

In the case of conventional credit offers, financial institutions in some cases take into account the lowest monthly salary of the past three months. In the case of instant loan applications, of course, any intentional misstatement regarding the income level is not permitted. Such an approach entitles the Sofortkreditbank upon discovery even for the immediate recovery of the entire outstanding amount, this also applies to proper payment of the loan installments.

Bank rejection as a result of a negative statement

Bank rejection as a result of a negative Schufa statement

If the non-approval of the loan application initially submitted is based on a negative Schufa information, consumers are most likely to apply for an instant loan to a Swiss bank despite the bank rejection. This does not request a Schufa request and thus does not learn that its future customer has forfeited a negative entry in the German credit protection. However, it requires a labor income above the attachment exemption limit and limits the Sofortkredithöhe to 3500 to 5000 euros.

Applicants do not have to convert the loan amount into Swiss francs, as the Swiss bank implements the instant loan entirely in euros. Swiss banks interpret the term instant loan differently than domestic banks. Since they always request income documents and check them carefully, they need about a week to pay for instant loans.

If consumers need a higher loan amount or do not fulfill all the requirements for direct Swiss Bank loan, they can apply for a schail-free instant loan, despite bank rejection, through a reputable broker.


Credit – Apply for a loan

  • Start your loan request now (there is no contract yet).
  • After checking your request, the money is already in your account after 4 days.
  • You just have to accept our offer. If not, then not. No hook, no cost.

Often, bills always turn up when you least need them. If the car or a household appliance breaks down, a quick replacement usually has to be arranged. However, if your own budget does not produce the necessary funds for such a repair, a loan is usually the only way to get the small change quickly.


But getting a loan with bad Schufa is usually not that easy. There are still plenty of opportunities to get even with negative Schufa entries still a loan.

Apply for a loan 

Loan Application

Probably the easiest way to get a reasonably good credit rating for a loan is the way through foreign banks. Thanks to the introduction of the euro and the intra-European payment area, it is also possible to apply for and obtain loans from neighboring European countries without any problems. Austria and Switzerland in particular have proved to be particularly popular here, as thanks to the common language, bank contacts are much easier to deal with.

The big advantage of this lies in the non-compliance of the Schufa, so that a loan with bad Schufa is possible. Here, above all, the actual credit rating, or the regular income in the loan approval counts. Applications for such loans can not only be completed quickly but also conveniently thanks to the Internet. Accordingly, many banks already offer the option of having their own credit opportunities evaluated when applying via the bank’s web form.

Fast credit from your own bank


However, a loan with bad Schufa can also be obtained from German banks, if one can offer them something else in return. The speech here is of the so-called securities. These are usually either long-term investments such as life insurance or building savings accounts, or land and real estate. Especially popular with the lending are so-called guarantees.

All these securities have in common that they should protect the bank in the event of insolvency of the borrower and ensure that the bank in any case receives back the funds used. For example, in the case of a guarantee, another person must be included as a guarantor in the credit agreement.

This must have all the necessary factors for a loan, so be hired and not in debt and have no negative entries in the Schufa. If such a guarantor pledges to pay for the loan by means of a guarantee with his own capital, if the actual borrower is unable to do so, then a loan with bad Schufa can also be forgiven and granted without much effort.