Consumption loan

Do you need exactly 19,000 kroner in your account? There is no need to borrow more than you need and if your need for money is DKK 19,000, it should be your loan amount – even if it is a slightly offset figure.

Many Danes will make the “mistake” to choose DKK 20,000 and even though it hardly overturns your personal finances, there is no reason for that. shows you 4 of the leading places where you can borrow DKK 19000 online. See here.

Here you can borrow 19,000

– At a reasonable rate

All companies have different interest rates, but some providers are just cheaper than others. These are the ones we want to introduce to you right here. Because it certainly does not matter where you record your consumer loan of 19000. It must be done with care, at least if you want to limit your total expenses. Here are 4 of the providers you should consider applying to:

One is to search the most affordable – generally speaking – something else is the interest rate you end up being offered. You can only clarify this by obtaining loan offers. It is the only way forward.

An individual credit assessment will always be prepared based on your submitted application. It is therefore neither knowing whether you are approved and at what interest rate, in advance. Therefore, take some time to obtain more offers, so that you put yourself strongest, with more chance of finding the right solution.

Looking for other money? Then check out our pages with nearby amounts as consumer loans of DKK 14000 and consumption loans of DKK 20000 .

How do I handle it?

Are you in doubt about how to handle the whole process? It is far from anyone who has tried to apply for a loan online, which is why it can be difficult to understand. Hard to know how to start and do it “right”. The procedure has an influence on the solution you end up with.

Overall, you should make sure to search more places and focus primarily on the APR, when you subsequently receive the loan offer back. You should always start by creating an overview and comparing providers.

Alternatively, just start searching with the above 4 providers that should ensure you a reasonable interest rate. There is a good selection of companies and you should use it to your advantage. Understanding that by getting more offers, you can be relatively sure to end up with the best solution, based on your situation.

Short-term financial investments

Time is a determining variable in any investment process. Little has to do with the approach of an investment over a period of a few years with that relating, for example, to retirement planning, which can extend up to four decades. The needs in terms of profitability expectations assumed risk or liquidity of the investment will be notable.

Without having a single criterion, we can distinguish three types of investments according to the time horizon considered:

  • Short-term investments: those that last approximately one year are classified as short-term investments.
  • Medium-term investments: investments made within a period of between one and five years fall into this category.
  • Long-term investments: those whose term exceeds five years.

Short-term financial investments

In this type of investment, two criteria generally prevail security and liquidity.

Security because we do not have a temporary margin to deal with unforeseen events. You must avoid investments with high volatility that put at risk the capital invested, such as investment in the stock market. This is suitable for long-term investments, in which volatility is diluted over time and the profitability obtained is usually much higher than that offered by more conservative assets, but it is not advisable in shorter terms.

Liquidity is the property of financial products and savings, which defines the ease and speed to turn them into money. The more liquid a product is, the easier it is to undo it and recover the money. In short-term investments, it is essential to have that quality.

Where to invest in the short term

Some of the vehicles that can channel the investment in the short term under the premises described above are:

  • Deposits or remunerated accounts: Profitability is fixed in advance. It will be smaller in low-interest rate environments, but we will enjoy high liquidity and security.
  • Treasury bills: can be purchased from a nominal amount of € 1,000. They are short-term fixed-income securities represented exclusively through book entries and are issued in the following terms: 3 months, 6 months, 9 months and 12 months. If you want to undo the positions ahead of time in the secondary market, the variations of its price are usually quite small. They are therefore very low-risk assets.
  • Conservative investment funds: investment funds enjoy great liquidity since they are usually paid into account within a period of between one and three days from the sales order. To avoid incurring risks in a short term, the most suitable funds are those that invest in short-term fixed-income assets, with reduced volatility.

Where not to invest in the short term

Stock market: the behavior of the stock market in the short term is difficult to foresee. Yes, it is highly liquid assets, but in which we would incur high risks not only in terms of the profitability objective we have but also in terms of maintaining the capital of the investment.

Long or very long-term fixed income securities: given that the objective will not be to hold them until maturity and we will have to negotiate them in the secondary market, it is important to bear in mind that the volatility of the price of long-term fixed-income securities is Higher

Investment funds that invest in risky assets: yes we will enjoy the high liquidity of these products, but we will be subject to the volatility of the assets in which they invest.

2 × 1 of Créditomovil: get two quick loans at the price of one

During the sales, it is not only the stores that apply discounts to their products. Taking advantage of the increased demand, private lenders also tend to improve their credit conditions instantly to increase the number of applications. This is the case of Créditomovil, which offers from today until January 22 the possibility of getting two quick loans at the price of one.

Requirements of the 2 × 1 fast loans

Requirements of the 2 × 1 fast loans

To be able to take advantage of the new promotion, it is essential that it be the first time we request installment loans for bad credit, that is, you have to be a new client. As is logical, the first fast credit must be reimbursed on the established date or before the second one is free. This second loan instantly, which will have no interest or commission costs, must be of the same amount and with the same term as the previous one and must be requested before March 19, 2016.

How to qualify for the promotion

How to qualify for the promotion


  1. Click on the button “Get the 2 × 1 of Créditomovil”, located a little below.
  2. Apply for a quick credit to the lender. The first petition must be made between January 19 and 22. If the request is accepted, we will receive the money in our account.
  3. Refund the fast credit within the agreed term and request another before March 19, 2016, with the same amount and term as the previous one.
  4. For the request of the second loan, it is essential to call the customer service number of Créditomovil (912670260) or write to indicating that we want to receive the promotion.
  5. If the request is approved, we will receive the money in our account and we will only have to return the borrowed amount, not another euro.

Already a customer? Get credits instantly up to € 700

Already a customer? Get credits instantly up to € 700


If we are already clients of Créditomovil, we can not accept this advantageous promotion, but we will enjoy other benefits. For example, we can request quick loans of up to € 700 and we can select a repayment term of up to 45 days (for new applicants it is up to 30 days).

Precautions to take with the quick loans

Precautions to take with the quick loans


Quick loans allow us to get liquidity instantly to solve unforeseen events or to make punctual purchases in times of great expense such as sales. However, its price is higher than that of other personal loans, so it is not advisable to ask for them too often. To avoid indebtedness, we advise you to follow the following instructions:

  • Never ask for more money than we need. For two very simple reasons: first, because the more money they lend us the more we will have to pay in interest. Second, if we ask for more money from the account we may not be able to refund it on time and the company will charge us commissions and interest for late payment.
  • Choose an appropriate repayment term. When we select the return date we must know in advance when we will receive our income to make sure that, when the day arrives, we will have enough money to pay off the loan.
  • Extend the term if we can not pay. Créditomovil allows you to request up to 3 extensions of 15 days each if, for whatever reason, we can not repay the loan on time. Extending the term of the quick loans has a cost, but it always comes out cheaper than facing the penalties for non-payment.

Financing experts analyze the challenges of the Spanish local regime in a course of the UIMP and the IEF


The president of the Diputación de Sevilla has taken advantage of the opening ceremony to demand a response to the requests made to the Government. “It is already time for local corporations to receive what we deserve due to trajectory, responsibility and institutional loyalty,” Villalobos said, “because of responsibility, when it comes to meeting the deficit targets, recording a surplus in the last few years. years, by trajectory, responding to the demands of our neighbors, and by institutional loyalty more than demonstrated since the beginning of democracy: now, we have to respond to our requests for funding. “

At the inauguration, the director of the UIMP highlighted the “good collaboration” between the university and the institutions of the city, including the Provincial Council, and the “consolidated” relationship of the UIMP with the Institute of Fiscal Studies, with which The course related to the Public Treasury has been held for more than 20 years.

Directed by the Deputy Assistant Director General of the Institute of Fiscal Studies, Álvaro Jesús del Blanco, and the Director of Studies of the Institute of Fiscal Studies, Cristina García-Herrera, the meeting, which will be held until May 19, is aimed at public officials. State Administration linked to the local administration, officials of the latter, university professors, lawyers and undergraduate and postgraduate students interested in the local area.

The General Secretary of Autonomic and Local Financing, Belén Navarro, in charge of offering a talk on ‘The Spanish local financing regime, current situation and challenges’, said during his speech that “the reality of the local sector as a whole is widely known. of financially sound entities, the only sub-sector of the public administration sector that has a surplus, which can be classified as structural, as it has been reproducing in the last five years in a range that oscillates between 0.5 and 0.6 per cent. percent of the national GDP, which presents a level of debt that is progressively reduced each year and levels of liquidity that are increasing every year “.

But the general secretary of Autonomic and Local Funding insists that “we must not forget that in municipalities, in a large group with 8,125 entities, there are some entities that have not managed to redirect their financial situation, mainly because they have not adopted measures active discretionary fiscal policy or because they have not accepted those others that, with extraordinary character, have been approved by the State “.

The day has also scheduled talks by the professor of Financial and Tax Law of the University of Jaén, Carlos María Sánchez Galiana; the professor of Public Economics at the University of Barcelona, ​​Albert Solé, will talk about the ‘Measures to be implemented to improve the quality of local public services’; and with the round table of the head of the Technical Cabinet and Audit Office of the Principality of Asturias, Roberto Fernández Llera, and the manager of the Autonomous Body of Tributary Management of the City of Malaga, Juan Manuel Ruiz Galdón.

For its part, Villalobos has also insisted on some historical claims of local corporations in this area: “that the central government make councils and councils more flexible, the ceiling and spending rule, which, as each local entity has been able to generate surplus and respect the local autonomy of the Consistory so that the use of these funds is not conditioned to financially sustainable investments, that does not limit the possibility of local entities of access to subsidies if they maintain debts with Social Security and Treasury, but that longer repayment periods for these debts are enabled, and, finally, that we are given an answer to the dilemma that currently exists in the capital gains tax “.


The Cabildo of Tenerife asks the State to eliminate the pharmaceutical copayment for pensioners



Pleno del Cabildo


The approved text, in which the Government of the Canary Islands is asked to, in turn, urge that of Spain to adopt this measure, aims to “guarantee a public, universal, solidarity, free and quality health system, removing all those obstacles that prevent access to a fair and equal public health system for citizens. “

The agreement urges the Government of Spain to amend “the revised text of the Law on guarantees and rational use of medicines and health products, approved by Royal Legislative Decree 1/2015, of July 24, where it suppresses the provisions of its article 102 and modify article 101, guaranteeing in the new wording the public, universal and free nature of the medicines in pensioners. “

On the other hand, an agreement was approved to promote a collaboration agreement with the Association of Taxpayers and Users of Banks, Savings Banks and Insurance (Adicae) and its implementation in the municipalities of the island.

This is intended to organize information sessions that promote the responsible contracting of banking products and effective ways of claiming for those affected by harmful banking products (land clauses, preferential, subordinated debt, default interest, abusive commissions, consumer loans and fast loans, bank cards, services and means of payment, advertising and banking transparency, among others).

The Cabildo will offer all city councils this informative and advisory tool, implementing it in the municipalities that request it and attending, in this way, the growing demand of information by the citizens.


The Plenary also reported on the collaboration agreement with the Canary Islands Equality Institute (ICI) for the development of the Social System for the Prevention and Integral Protection of victims of gender violence on the Island of Tenerife in 2017.

The agreement, still pending signature between the parties, includes a budget of more than 4 million euros, which will be financed by 50 percent between the Canary Islands Institute of Equality and the Cabildo de Tenerife. The contribution of the Cabildo increases by 800,000 euros compared to last year.

The agreement includes actions to raise awareness and prevent gender-based violence, the management of the resources of the Canary Islands Network of Services and Specialized Public Centers for Social Care for Victims of Gender-based Violence, immediate attention through the Emergency Device for Women Assaulted (DEMA), specialized attention and intervention through services and information centers, guidance and counseling, as well as comprehensive and multidisciplinary care and intervention and temporary reception through accommodation centers in their different types: reception centers immediate, shelters and sheltered floors.

Another of the approved agreements was the creation of a commission of experts to study the ‘Canarian eCommerce Warehouse’ project.

It is about establishing a common logistics point of Canarian products in the peninsula in order to reduce procedures and costs to Canarian businessmen who wish to sell online.

This would mean a saving of time and costs and would result in the satisfaction of customers, sellers and producers and facilitate the marketing of Canarian products, providing sales opportunities to a large part of the retail and small producer. In addition, it would serve to promote and sell the traditional Canarian artisan product.


During the Plenary session different issues related to the unblocking of the situation of the Güímar ravines, the inclusion in the list of jobs of the corporation of the Employment and Local Development Agents positions, the replacement of the Beauty Galas were approved of the municipalities for the ‘Gala de la Infancia’ with the aim of guaranteeing a happy and egalitarian childhood, and an agreement with the Canary Islands Institute of Hemodonation and Hemotherapy (ICHH) for the transfer of free tickets to cultural and sports centers that depend of the Cabildo de Tenerife.

The agreement on the ravines of Güímar includes institutional support for judicial decisions that establish and quantify responsibilities that allow for their effective restoration, and underscores the commitment to contribute from the Cabildo to the effective enforcement of such judgments, collaborating in all that is necessary with the administration of justice, and with the other administrations involved for the prompt preparation of a Restoration Plan, which is the essential requirement for those responsible for the crime to comply with the just sentence.

Thus, the Cabildo will actively promote the drafting and development of the Plan in collaboration with the rest of the public administrations involved.

In addition, the agreement states that the comprehensive restoration of the Güímar ravines will be carried out under the premise that the cost of the restoration of the quarries will be borne by the persons and entities condemned, as mandated by the court ruling.

On the other hand, it was approved to develop a protocol of actions from the area of ​​Equality of the Cabildo with feminist, social, LGTBI, social educators, artists involved in equality to educate a Child in fairer, more egalitarian values, linked to the playful childish.

This protocol will be developed by means of a Working Table, where all the foreseen in the Tenerife Violet Strategic Framework (METV) will be promoted, in such a way that it culminates this work in a binding tool for the Feast Commissions of each town, joining the pages web of the different City Councils, Cabildo de Tenerife and Government of the Canary Islands.

The Plenary Session of the Cabildo definitively approved the budget for 2017 amounting to 809 million euros, a figure that represents an increase of 24.85 percent over the previous year, which makes it the largest budget in the history of the corporation insular.

If the consolidated budget is taken into account – the Cabildo’s budget and that of all its autonomous companies and bodies – the figure rises to 949 million euros.

The Cabildo’s accounts for the next fiscal year have been drawn up in coherence with the multiannual planning of the Insular Development Strategic Framework (MEDI) 2016-2025, the plan that defines the development of Tenerife for the next 10 years, based on efficiency criteria , solidarity and territorial balance to generate greater opportunities for people.

Catholic Schools vindicates freedom of education, adequate financing of concerts and more recognition of the FP



Asamblea de Escuelas Católicas

Assembly of Catholic Schools CATHOLIC SCHOOLS

The meeting, which has served to take stock of this course and set challenges and lines of action for the future, has also recalled the commitments made by Catholic Schools continue to fight in “increasingly urgent” demands, as reported to Europa Press sources of the organization.

These focus on three points, the first of them the recognition and real application of the freedom of education, with the request of respect for the social demand of families and the freedom of choice of educational center.

It will also continue to demand adequate funding for the real cost of the school position that guarantees, in equal conditions for all, the quality education that the future of the students demands.

The third major commitment will be to request greater involvement of the Administration in the work of orientation, dissemination and recognition of Vocational Training, since the promotion of this type of education and Dual Vocational Training, in their opinion, “should be a priority” .

Catholic Schools has indicated that these issues “are considered a priority and will continue to be defended and defended in all possible forums”.

In addition, Castilla y León Catholic Schools is committed to offering a “more comprehensive” training for teachers and principals aimed at achieving pedagogical excellence in each center and generate a higher educational quality and a climate of constant innovation in the centers of its network.

Also, he added, will seek greater involvement when tackling bullying “with determination”, for what will facilitate “all possible tools” to the centers so they can address this phenomenon from the legal, pastoral, pedagogical and communicative.

The 2018 Assembly of Catholic Schools Castilla y León has been held at the Ave María School in Valladolid and more than 200 participants, representatives of the owners of the centers, as well as directors and teachers of these schools have been present.

The demands and commitments of the Assembly have been summarized in several points that have been included in a final statement presented at the close of the meeting.


In the first of them reference is made to the aforementioned claim to maintain the concerted education, which represents more than 30 percent of the students of the Community.

“It is necessary that the concerted education continue to have the public support and recognition it deserves, for its contribution to society and for making possible the freedom of education,” said Catholic Schools, which added that the educational offer should be built from the respect for the social demand of families and the freedom to choose an educational center.

For this reason, it has indicated that it will continue to “fight” for the recognition of the freedom of parents to choose the educational model they wish, as contemplated in Article 27 of the Constitution and international treaties.

“You can not deprive parents of their right to choose because we believe in the freedom of education, in a public education and quality but also in the concerted, both complementary and necessary,” he added.

On the other hand, the statement refers to the need to address bullying “with determination” because they want all centers to be “a space of peace, equality, good school environment and coexistence”, which is why the organization has committed to continue increasing “efforts” to improve social relations in the classroom and to promote education and respect for the entire educational community.

“We must be sensitive to each case and know how to prevent, detect, address, and eradicate these situations to create a culture of hospitality and care in our centers,” said Catholic Schools, which has affirmed that it will continue working to provide all possible tools to the centers so that they can address this phenomenon from the legal, pastoral, pedagogical and communicative.

“We will also request the implementation of more preventive programs in which families, schools and administration participate,” Catholic Schools added.


On the other hand, has indicated that he wants to continue with the work to help schools and institutions to achieve their pedagogical excellence, for what he considers necessary to maintain the processes of innovation and transformation that many schools have already started and “encourage” the rest to begin this path.

These processes, has influenced Catholic Schools, must support “firmly” in the educational projects of the centers, “in the strength in their ideals and the strength of their roots and traditions” and thus, with the aim of generating greater quality educational and a climate of constant innovation, has said that it will continue with the organization of programs to train and accompany the adoption of new methodologies and to generate networks of educators involved in the Catholic educational project.

In the same line, this organization has insisted on defending a “decent and fair” budget for concerted education, since it is a “public, quality, complementary, necessary and chosen education by a large majority of the families of the Community” .

In this regard, he added that they believe that concerted education has a “great value for its great contribution” to the educational system of Castilla y León, which is based on the “good work” of public education and the concerted, with a focus “complementary” that values ​​the richness of both systems and that gives the possibility of choice to families, “what enriches the educational system”.

Catholic Schools considers that the departure of other expenses for education in Castilla y León “continues to be insufficient” since the actual costs of running a school are still deficient despite the “slight” increase offered by the Ministry of Education Past course.

That is why Catholic Schools requests an adequate financing of the “real cost of the school position” and that guarantees, in equal conditions for all, the “quality” education demanded by the students’ future, an “adequate” attention to those who have special educational needs and a realistic forecast of the investments necessary for a quality education.

Finally, it has defended a “better job of orientation, dissemination and recognition of Vocational Training”, which in the case of Catholic Schools centers has ensured that it maintains a “high quality and relevance” for the employment of students.

In this regard, he added that the momentum of Dual FP, recommended by the European Commission, should be a “priority” and the collaboration between school and company should be strengthened, for which it has affirmed that it will continue with the request for greater involvement. of the Administration, “that should really bet on this type of education”.