zaemus are a micro lending to private individuals. The company, which stands for zaemus, is ACEA Capital A / S. ACEA Capital A / S is responsible for providing various loans online, and therefore the company has extensive experience in offering loans to ordinary Danes.
Loan example: Loan amount: 5,000 kr. Duration 120 days. Repayments per month 1,918.92 kr. Credit costs 2,675.68 kr. Fixed annual debt / interest rate 759.79%. Total refund £ 69.75. Requires payment card
There are many different benefits of zaemus – in addition to being paid by an experienced and reputable provider. Among other things, it is an advantage that zaemus can be recorded online. It makes it easy to borrow the loan quickly and easily. Besides being quick and easy to borrow, it is quick to get the money paid by the provider. Once you have applied for the loan and have been approved, you can make sure that the money is in your account within a very short period of time. If you urgently need a loan, then Loans may be the loan you are looking for.
What is a microphone?
A micro loan, as the name suggests, is a small loan. When you borrow a microphone, you can typically borrow up to 15,000 kroner. Moreover, some of the characteristics of a micro-loan are that there is a relatively short maturity on the loan. Often the loan will be paid within a few months. Therefore, a micro loan is also only an optimal solution for you if you know you can repay the loan within a short period of time, just as the loan is only optimal for you if you only need to borrow a small amount. If you need a larger loan, you can find other loan types online, where the terms and conditions are different.
zaemus – an attractive micro-loan
With zaemus you can borrow between 100 and 10,000 kroner. This means that zaemus can be characterized as a so-called micro-loan. The loan can be used to fund many different things, so you can borrow what you need. When you take up a microphone online, do not explain what the money will be used for; Therefore, Loan Loans can also be characterized as a consumer loan. You can use the money to finance a trip, a car, a new greenhouse, the dentist’s bill or something completely fifth – it’s up to you and your needs and wishes.
When you choose the amount of money at zaemus, you can, as mentioned, choose an amount between 100 and 10,000 kroner. The amount of money varies by 100 kroner, so you can borrow for the nearest hundred: eg 1,100, 1,200, 1,300 and so on. This means, therefore, that you can simply borrow what you need – without having to borrow more than necessary. This is a major advantage of zaemus, as possible loan amounts on the web often vary by up to 500 kroner.
When can you borrow from zaemus?
zaemus have opening hours just like any other loan provider. However, this does not mean that you are restricted to being able to apply for a Bonus Loan within the opening hours. Since zaemus is an online loan, you can apply for the loan when it suits you. You can apply for the loan at any time of the day without any exceptions. Regardless of when you apply for the loan, you can count on a quick expedition time. You can count on answering your loan application immediately, regardless of whether you apply for the loan within or outside of the opening hours. This also applies to holidays and weekends even though the customer service is closed.
How fast is the money paid?
Since zaemus are a micro-loan, there are no strict rules or rules for how long to go before the loan can be paid. This means, therefore, that you can expect the loan to be paid very quickly. If you sign your loan agreement within the opening hours, you can expect the money to be paid within one hour. If you sign your loan application outside of opening hours, the money will be paid within the opening hours the next day. It is a huge advantage that zaemus are so fast to pay off the loan – regardless of the size of the loan. Furthermore, it is a big advantage that zaemus also pay your money on holidays and on weekends during daytime hours. This means that you will never have to wait several days for the loan to be paid to your account. If you are looking for a fast loan, zaemus may be the right loan for you – both the application process, the processing time and the payment are quick.
When will the loan be paid back?
When you raise a loan with zaemus, there is a fixed maturity for the loan. If you use the loan calculator, which you can find on this page , you can see that the maturity is 120 days. This can not be changed as a rule. The maturity is thus fixed for 120 days, so you only have to take out a loan at zaemus if you are sure you can repay the loan in a timely manner – in 120 days. The loan must be paid back to four installments within the 120 days – ie monthly repayment. You must not pay the entire loan at once, which can be seen as an advantage in most cases.
Normally you can change the loan term so that you can adjust the loan to your own financial situation. However, this is not the case for many micro loans, as the maturity is usually very short for these loans. Therefore, it is also quite common that the maturity is fixed and can not be changed with zaemus. However, this does not mean that you can not adjust the loan to your financial situation. Before applying for the loan, you can see the monthly benefit – and you can also assess whether you can afford to repay the loan in good time, or you may need to borrow a small amount.
Can Loan Loans extend the loan?
The maturity is relatively short and therefore, not everyone can borrow a loan at zaemus. However, there is a likelihood that you can extend the loan at zaemus if you pay them at the time of accrued costs and interest. Only in certain cases there is the possibility of extending the loan period – and the request is always dealt with on a case-by-case basis. You can only request to extend the loan by 30 days at a time, and you must be aware that zaemus can therefore reject the request for no reason. You must never expect that you can extend the loan as part of your loan plan.
Can you borrow at zaemus several times?
When you make a loan at zaemus, you do it from your own private user, which you create on the page. When you log in to your private user, you can manage your loan; You can see how much you have borrowed and when the loan is paid. Therefore, you can also see how much you can borrow. On your user you can see your maximum amount. This amount is the amount you can borrow at the most. Once this amount is reached, you can not borrow more until your current loan is paid out. However, once the loan has been paid out, you can re-apply a new loan at zaemus. There is no quarantine time with the loan provider and as soon as your loan is registered as paid, you can record a new one from your user.
Should you provide security for the loan at zaemus?
When you take out a loan at Bonus Loan, you can be sure that you do not have to provide security for the loan. This applies regardless of whether you borrow 100 kroner or 10,000 kroner. This is largely because you do not have to explain what the loan will be used for. It is a great advantage that you do not have to provide collateral for the loan at zaemus. This means that you can not lose any of your assets if you find it difficult to comply with the loan agreement. Since zaemus can not take out any of your assets, you can not lose these if you do not comply with your loan terms, including your payment agreement. However, this should and must not be confused with the consequences if you do not comply with the payment agreement. If the payment agreement is not observed, you will be required to pay very high interest and fees on the loan concurrently with the interest and costs already accrued. This means that your loan will be much more expensive than expected if you do not comply with the loan agreement and pay in time.
That you do not have to provide collateral for the loan is also an advantage because you do not have to own anything to borrow. Obviously, if you have to make a loan guarantee, you must own something that the loan provider can take a mortgage. However, this is not a requirement if you want to borrow from Loan Loan, because you do not have to make a deposit.
Who can take out a loan at zaemus?
When you want to borrow a loan, the loan provider always has some requirements for the borrower. This applies regardless of which loan provider you apply for the loan at. However, the requirements for the borrower differ from the loan provider to the loan provider.
Of course, there are also some requirements that you must adhere to if you want to raise a loan at zaemus. These requirements can be seen here – and read more about here.
- You must be 20 years old to be eligible for a loan at zaemus
- You must not be registered in the RKI or Debtor Registry
- You must be a Danish citizen, and your address must be registered in Denmark
- zaemus must be able to check your information. Therefore, you must not have name or address protection
- You must have an NemID
- You must have active contact information, including an active email address and a Danish phone number
- The account to which the money must be paid must be Danish.
The requirements that Loan Loans make to its borrowers are very common. There are therefore no special, special or unusual requirements that you must meet if you want to be considered as a borrower at zaemus. However, you must be aware that there are also requirements for your financial situation. This is done in connection with the credit rating made by zaemus before you are approved as a borrower.
How is the credit rating made?
When applying for a loan with zaemus, Loan Loans will make a credit rating of you. This is done so that Loan Loans can increase their assurance that you can repay your loan in time. The credit rating is always individual, and it is done electronically and automatically. This means, therefore, that you do not have to worry about whether your information can be disclosed or encrypted. The credit rating is based on the information that Loan Loans receives from you through your loan application. When you submit your loan application, you must also provide information about your income and expenses. Likewise, you must give approval that zaemus must collect your annual statement from SKAT. Based on this information, Loan Loans must assess whether you are creditworthy. If you are married and share the loan with your spouse and you have a stable income, you will be more likely to be declared creditworthy. This is obviously because you have a higher income if you are two – and with a stable income, the loan provider is sure that there is an income. However, this does not mean that you can not be declared creditworthy if you are not married or if you have a fluctuating income. This is up to zaemus to evaluate.
How do I apply for a loan at zaemus?
It is really easy and easy to apply for a loan at zaemus. Loan Loans have also made a system that makes it easy to borrow again, find information about its loan and change its information. When you apply for a loan at zaemus, you must start by creating a user. When you create this user, you will get your own private account. In this account you can always log in to view and change your information.
When you create your account, you must provide a lot of information about yourself. This information will normally be indicated in a standard loan application. However, as you enter your information when you create your account, it will always be easy and fast for you to submit a loan application. When you sign up for the creation of your user, you also grant zaemus access to the information about you they need, including your information from SKAT.
Once you have created a user, you can log in to create a loan agreement. You can create a loan agreement on the amount you want to borrow between 100 and 10,000 kroner. You can also see what the loan will cost – without any hidden costs or fees. For this, use your NemID.
Once you have created your loan agreement, wait for it to be approved. This typically happens immediately. Once the loan agreement is approved, the money will be on your account between 1-24 hours after.
What if the loan application is rejected?
When you register as a user, Loan Loans will collect the information they need to make your credit rating. It is this credit rating that determines whether or not your loan application is approved. Therefore, you can say that you already create your loan application when you create your user. You can then create a loan agreement that zaemus can reject if you are not rated creditworthy in relation to the given loan. However, if your loan agreement is rejected, zaemus may in some cases offer you another and smaller loan. Of course, you can choose this whether you wish to receive or not.
How high is the interest rate on zaemus?
In general, it can be said that the interest rate on micro loans is relatively high. This is due to several things. First and foremost, however, is due to the fact that the risk of the borrower is high, while the risk to you as a borrower is small. This is especially because you do not have to provide collateral for the loan and that the credit rating is on a looser basis. By this it should be understood that the credit rating is based on your current financial situation, whereas it is based on many more things, for example, if you borrow a loan at the bank.
Thus, the interest rate on zaemus is higher than if you, for example, raise a loan at the bank. However, if you raise a loan at the bank, there will be other disadvantages that do not accompany the loan at zaemus.
How is the price of the loan fixed?
The price of the loan will vary. The price is determined based on the individual credit rating of each borrower. This means that you can first see the final price of the loan when the credit rating of you has been made. When you create your user and the credit rating is made, you will subsequently be able to see what the price of the loan is. This can be seen when you make the loan agreement, which really serves as the real loan application.
The price of the loan is calculated on the basis of various factors. Including your credit rating, among other things. If you are very creditworthy, you will typically get a lower interest rate on your loan than if you are not rated equally creditworthy. So; The higher the credit rating, the lower the interest rate.
The price of the loan is also affected by various other costs and fees. Including administration fees and foundation expenses. To see the total price of your loan, look at the loan’s OPP. OPP represents the total Annual Annual Expense of the loan. So; The lower the OPOP, the better.
In the loan agreement you can see the borrowing rate, OPP and the total repayment amount. You can also see the benefit that you have to pay four times during the maturity. You can therefore see all the information that is relevant to you.
Benefits of zaemus
There are many different benefits of the attractive microphone. Among other things, it is a great advantage that the loan is quick to apply and apply for. This applies to most microwaves recorded online. However, it is a bit unusual that the money can also be paid on holidays during daytime and weekends. This means that you will never have to wait for the money to be paid for you.
Another advantage is that you can use the loan for what you want. You should not explain what the money will be used for. The loan is a consumer loan that can be used for what you need and want. This also means that Loan Loans is a very versatile loan that can be taken to finance many diverse things and solve different challenges.
In addition, it is an advantage that you do not have to provide security for the loan. This means that you do not have to own anything of value to be considered as a borrower. Additionally, it means that you do not have to worry about whether your assets are involved if you are having trouble maintaining your loan agreement.
One last advantage of zaemus is that it is easy to apply for a loan again when the original loan is repaid. Once you’ve created a user, do not waste time setting the different information about you again if you want to raise another loan. Your user continues to exist even if your loan has been repaid. In addition, it is a great advantage with this user, as you can easily track your loan, your refund and your information at all times.
Record a Bonus Loan today
You can record your Bonus Loan whenever you want. You do not have to do it within the opening hours, and you do not have to wait for a bank adviser to approve your loan. You can apply for the loan whenever you want where you want. You can even apply for the loan on weekends and bank holidays and expect answers immediately. You can also expect the money to be paid after one hour if you apply within the opening hours – and after no more than 24 hours if you apply outside the opening hours.
It is therefore easy and quick to apply for a Bonus Loan – and therefore it is also a popular loan among Danes. You can read more about the loan and apply for it here , if you think it sounds like a loan for you.