credit
Young people in Portugal up to the age of 35 will soon be able to use a state guarantee to obtain a 100% mortgage when buying their first home. The new measure is an addition to others designed by the government, such as the exemption from a municipal tax on the transfer of property and stamp duty, and is intended to help young people who struggle to enter the property market. The law establishing the conditions for implementing this measure was published on 10 July, but its practical application is still dependent on its regulation, which should happen within 60 days. Young people will be cov...
Euronews (English)
Economic cycles govern our personal and financial lives. Life’s uncertainties—job loss, emergencies, foreclosures, bankruptcies—can severely damage credit. While financial crises can be daunting, they are not the end of the road. With a commitment to bouncing back, discipline, careful planning, concrete goals, and strategic choices, it is possible to recover from financial troubles and rebuild your credit status. Bad credit carries numerous disadvantages. It makes it challenging to qualify for credit cards and loans. It puts you at a disadvantage in the job market. It can complicate simple lif...
Due
New York (AFP) - Capital One's proposed merger with the US credit card specialist Discover has reshuffled the deck in a fast-growing sector in the United States, where cash is gradually disappearing from the landscape. The all-stock deal is worth around $35.3 billion, and is expected to close in late 2024 or early 2025. The deal, which will be subject to antitrust scrutiny, values Discover's shares at a 27 percent premium, and would create a US banking behemoth. Under the terms of the agreement, around 60 percent of the new company will be owned by Capital One's shareholders, with the remaind...
AFP
New York (AFP) - US banking giant Capital One announced Monday it will acquire financial services company Discover in a $35.3 billion all-stock deal combining two of America's major credit card firms. Under the deal, Discover shareholders will receive 1.0192 Capital One shares for each Discover share, a premium of 26.6 percent over Discover's closing price on Friday. Acquisition of Discover will help "build a payments network that can compete with the largest payments networks and payments companies," said Capital One founder and CEO Richard Fairbank in a statement. Once the deal goes through,...
AFP
Washington (AFP) - US banks tightened lending standards in the first few months this year, and expect this to continue over the rest of 2023, said a Federal Reserve survey released on Monday. The report, which is closely watched on Wall Street, comes as the financial sector contends with deposit outflow worries on the back of turmoil after the high-profile collapse of Silicon Valley Bank and Signature Bank in March. In recent weeks, shares of midsized banks suffered brutal trading days while investors remained on edge for a repeat of earlier episodes in which deposit runs precipitated or playe...
AFP
Financial success is largely determined by your credit score. After all, having good or excellent credit will lower your interest rates, access perks like rewards, and gives you more negotiating power. And, it can also give you more opportunities to build your credit. Q2 2022 hedge fund letters, conferences and more Find A Qualified Financial AdvisorFinding a qualified financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to 3 fiduciary financial advisors in your area in 5 minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to...
ValueWalk
Buying a house is an exhilarating stage in life. A home to call your own. Many people who today are homeowners would not have been able to get to the point of buying their house without the advantage of a cosigner. According to Forbes, 1 in 6 adults have cosigned on a loan at some point in their life. A cosigner is a great way for someone to get a mortgage when they don’t have enough of their own income to qualify for a mortgage loan. Cosigning may seem like a very simple and win-win favor you might do for the benefit of your family member or friend. However, cosigning is not always as simple ...
Due
Despite the new COVID-19 variant, lawmakers are unlikely to approve a fourth round of stimulus checks. Even so, some people could still get a $1400 coronavirus stimulus check because of the American Rescue Plan Act, which approved the third round of stimulus checks. However, this payment will be available next year, and very few people will qualify for it. Q3 2021 hedge fund letters, conferences and more $1400 Coronavirus Stimulus Check: Who Will Get It?The American Rescue Plan Act, which was approved in March of this year, authorized a $1400 coronavirus stimulus check per dependent. The IRS h...
ValueWalk
New York (AFP) - Krista Michels can't get enough of the online services that allow American shoppers to pay for everything from Christmas presents to monthly bills without fees, known as "buy now, pay later." "I'm kind of addicted now," said the young mother in Washington state. She first turned to these solutions offered at check-out stores or online to rebuild her credit rating, which was too low to access a traditional credit card. Michels now uses them whenever possible, at the supermarket or to pay her internet bills. Startups like Affirm, AfterPay, Klarna and Sezzle usually allow consum...
AFP
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