Archives: May 21, 2019

What are the types of Investment Companies?

When we have money and want to invest, they recommend us to invest in an Investment Company. What are the types of Investment Companies?

Investment Company is a company whose purpose is to invest in “debt instruments, currencies, shares of stock and non-stock companies.” In short, what you do is buy shares of a certain company, becoming a partner and making profits and losses that generate the investment made.

When you acquire the shares, the resources go to the purchase of Investment Objective Assets. These are securities, securities, documents, cash resources, assets, rights, credits and other things that are traded that are part of the assets of the Investment Companies. If the company’s shares go up, then they win. If on the contrary, they go down, then you lose. It will depend on how much you invest in the company to make a profit, as there will be other investors like you who will buy shares.

There are different companies with different types of Investment Companies. The National Banking and Securities Commission recognizes four types of Investment Companies.

Equity Investment Company

Equity Investment Company

In the Equity Investment Company, the funds are invested in the stock market. In these companies the Investment Objective Assets are invested, which are composed of debt instruments, with shares; This implies that the profits are the interest generated by the debt instruments, as well as the dividends or increases in the value of the shares. This type of investment is usually used in the medium term, due to market risks.

Investment companies in debt instruments

Investment companies in debt instruments

In this type of Investment Companies can invest natural or legal persons. In it, the funds give returns by investing in instruments that represent a debt or obligation for the issuer (Federal Government, bank or private companies). The profits that are obtained come from interest or the purchase and sale of securities. In this type of Investment Company the earnings are smaller but more constant and less volatile, compared to the Investment Company of variable income.

Capital Investment Companies 

In this type of Investment Company, the funds operate with shares or social shares, obligations and bonds of the companies that promote the Investment Company. These companies need resources in the medium and long term, and the profits are directly related to the performance of the companies, because their investment is in the capital of the company (shares, social shares or obligations). This type of Investment Company is more risky than the Equity Investment Company and the Investment Company in debt instruments, but the profit tends to be greater. The administration of this type of Company is carried out by a shareholders meeting, originated by a Board of Directors.

Limited purpose Investment Companies


These Investment Companies work with securities and documents that are issued by companies that need long-term resources, and that have the objective of investing in the National Development Plan. These societies are created by the union of several people who seek a common goal, and who want to create a way to finance or invest in something that benefits their productive activity. To do this, the partners give loans, credits or issue securities representing a debt.

Now that you know the types of Investment Companies, you can decide to invest in one of them. It is necessary that you know well the risks and the profits that they can produce, depending on the type of Society that you choose. Some are safer than others, but the profits are lower. Invest your money wisely.

Pay off loan

Paying off a loan with Faster-Lend, how does that work then you wonder, is it then automatically debited from my account or do I have to fill in the payment screen just like buying something online? This article explains which forms of loans you can pay with Faster-Lend and how you do it. But what are the benefits of paying online and why is it not easier to transfer via the bank? For example, there are a number of questions that arise when the lender proposes to do this by Faster-Lend. An assessment at


Where can you borrow money with Faster-Lend

Where can you borrow money with Fast Lend

At the time of writing, this option exists at a number of providers for borrowing a ‘small’ amount up to and including 1000 euros, these are the so-called mini loans where you can borrow an amount quickly and without bkr review. There are no difficult contracts and no personal contact is required. This way you can quickly provide some extra cash, please note that you have to repay the borrowed amount within a maximum of 45 days, but a mini-loan for 30 days is also possible, so only do this if you are sure that you can do it too. repay.


Why with Faster-Lend


If you are going to apply for a traditional loan , you will have to pay it off by bank transfer. However, it has been found that a lot of people find this a difficult extra step, have to retype the entire iban number, then the name, address and so on. Because this is a bit cumbersome, many people postpone this and do not meet the obligation to repay on time, the consequence of this is that all kinds of annoying letters arrive and you may even have to deal with a collection agency, of course there is no one on that to wait. With Faster-Lend you pay off your debt quickly in a few simple steps in a familiar banking environment, little effort but a good feeling.


Pay off loan with Faster-Lend

Pay off loan with Fast Lend

What is that much-discussed Faster-Lend, perhaps a somewhat stupid question because almost everyone in the Netherlands knows this and makes frequent use of it. But there are still people who are not familiar with the system and still want to use it.

With Faster-Lend you can make a payment through any Dutch bank, you use your own familiar and well-protected banking environment so that you know exactly what to do, of course you must have internet banking. You then make the payment you want to make and the amount is immediately withdrawn from your account and immediately transferred to the account of the recipient. In this way, the recipient can immediately see that you have paid, in contrast to a bank transfer that is usually not credited to the recipient until the following day.


But can I no longer pay otherwise

Fortunately for those who really do not want to pay with the Faster-Lend system, or perhaps no internet banking, there is still the possibility to do it by regular online transfer or a transfer by mail. The Faster-Lend system is only a supplement to the already known payment methods and not a replacement thereof.

What are Delegated Loans?

An extremely useful and important type of loan to know is the one called “the loan with delegation”.

The loan with the delegation , often called “double fifth”, is a type of loan that allows you to obtain the possibility of borrowing more money than the “sale of the fifth”, through the “simple” presentation of adequate guarantees.

The loan with delegation, as we have said, is often called “double fifth” due to the fact that it allows access to a double transfer of the fifth.

The expression “assignment of the fifth” arises from the fact that the maximum amount of the installment envisaged for repayment of the loan cannot exceed 1/5 of the monthly net salary.

This type of loan allows instead to be able to request a double amount, let’s not forget, however, that receiving a double amount of money clearly implies also the doubling of the expected monthly payment (with equal number of installments).

The installment amount will be deducted directly from the pay slip which, for what has been said up to now, cannot exceed 40% of the net amount.

The loan with proxy is governed by Article 1269 of the Civil Code (Payment Delegation):

“If the debtor has delegated a third party to make the payment, he can oblige himself to the creditor, unless the debtor has forbidden it.
The third delegate to carry out the payment is not required to accept the assignment, even if he is the debtor of the delegating party. The different uses are safe. “


Laon with delegation

Laon with delegation

The loan with delegation is therefore based on the faculty of those who claim a credit to transfer it to third parties, for consideration or free, even without the prior consent of the debtor.

Since the worker has a salary, similar to credit towards the company where he works, he is therefore in a position to contract this type of loan against the transfer of a portion of the salary (credit) to the financial institution with the which signed the contract.

Both public and private employees can apply for the loan with proxy. Until recently, this type of loan was not intended for private employees, as only public employees could access it.

The delegated loan, as it is configured, therefore appears to be a contract involving 3 subjects:

  • Dealer Institute
  • The employee
  • The employer

The concessionary institution is the institute which, upon receipt of adequate guarantee documentation, will provide for the disbursement of the amount requested for the loan. The most common payment methods are via bank draft or bank draft.

The employee is essentially the customer who requests the loan. For the purposes of article 1269 of the civil code, the employee is the party who assigns the rights to remuneration to the financial institution (within the limits of 40% of the net salary value).

The employer assumes the status of Third Party Debtor Assigned by virtue of the assignment of the credit rights made by the employee.

Loan with delegation: Main features

Loan with delegation: Main features

  • Maximum duration 120 months (10 years) compatible with the retirement date. In some cases it is possible to transfer the loan to the pension.
  • The planned installment is fixed and includes all expenses (fixed TAN and APR including insurance premiums).
  • Possibility of debt renegotiation with the possibility of recovery of unpaid interest.
  • Repayment of installments on a monthly basis.
  • Obligation to subscribe to a life and risk insurance. This insurance serves to protect the credit institution from premature death or any loss of employment by the undersigned of the loan agreement.

The loan with proxy appears to be the ideal solution for those who have already subscribed a loan that provides for the sale of the fifth and which needs to increase the amount of the loan.

Although possible the request also from employees with fixed-term contracts (within the limits of the duration of the contract) the greater convenience is clearly drawn from the employees with permanent contracts (greater guarantees and longer durations).

Pay your loans to avoid falling into a credit bureau

If you have just obtained your first credit card from a bank or from a department store, it is very important that you know when your court and payment dates are, two very different things that if they are not known will make you default on your payments to finally be in the credit bureau.

Avoid falling into a credit bureau – Pay your loans on time

Avoid falling into a credit bureau - Pay your loans on time

Of course, that is not the end of the world and there are several ways to erase yourself from the list – of which we will talk about later – but to avoid this from happening you must keep in mind some points.

Punctuality of payments

To make your payment on time you must know your payment date. This comes in the statement that you receive, either at your address or electronically. You must make the payment BEFORE the indicated date or at the latest that same day.

If you make your payment out of time, you will be charged interest, which is defined by each institution, and to which you must also pay attention.

Avoid impulsive purchases

Avoid impulsive purchases

The offers are specially designed to persuade the consumer to make a purchase. The famous 6, 12, 18 and up to 20 months without interest make items or objects that otherwise would be very difficult to acquire achievable. But do not get carried away by the impulse and think with a cool head. Buy what you really want and / or need.

Companies sometimes increase the prices of their products to be included in the promotion of months without interest, so it is preferable to quote in different places and take into account the reputation of the store.

There is everything out there and you can find yourself from bad companies, to those that really think about your business, take care of your clients and consent to them with real offers. It is important to learn to distinguish them.

Payment capacity

Payment capacity

Months without interest can cause you to lose control of your expenses and end up with a large account to pay at the end of the month. This is why you should know how much you can allocate to your card payments on a monthly basis.

As a recommendation, subtract your monthly income from the expenses you have each month to know the amount you will have to invest and what you can spend.