Motorbike loans: the 6 basic tips for financing

Motorbike loans: the 6 basic tips for financing

You have made a good decision: buy a motorbike. If you have the money necessary to pay it in cash, congratulations that means that things are going very well for you.

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But if you prefer not to make such a large outlay at once, or simply cannot, finance is your solution.

After a few complicated years, now the credit has become more accessible and it is an excellent opportunity to fulfill your dreams. There is no perfect formula in terms of financing, but there are a series of steps that must be taken to get the loan that best suits your needs. We want to guide you so that you choose what is right for you.

1 Who can ask for a loan?

The entities require fulfilling a series of requirements to qualify for a loan: Be over 18 years. It is required to have indebtedness capacity to be able to repay the loan. Not appear in any delinquent and unpaid file that would exclude any option to loan. Some financial entities also require contracting another series of services. Beware of that, because if it is a service that is not needed or already has, this would in practice increase the budget for the purchase of the motorbike.

2 What documents do you ask?

They need to have economic information about you with the objective of guaranteeing your solvency: the last two or three payrolls if you are employed by another person or a VAT return for the last year if you are self-employed. If it is a bank, it will also ask for the last declaration of income and assets or proof of income.

3 Study the options

There are different ways to buy a vehicle in installments: banks, financial and loan companies. Banks have consumer loans, tailored to specific needs; Brand financials offer customized terms for the purchase made while the loan companies specialize in quick loans.

To make things easier with this third way, at Scooter.co.uk motorbike finance we offer you our new comparator loans, faster and agile way to meet financing offers that exist in the market.

4 Compare offers

When you are clear that you are going to ask for a loan to buy a motorbike, do not rush. It is important that you consult in different entities and compare the characteristics of the loans that they propose because they can be varied. You have to assess the repayment term, and if the total of the operation is financed or only a part.

5 Interest rate

As with any other type of loans, the interest rate can be fixed, the most common used in credits for the purchase of motorbikes, or variable, following a reference index It is important to take it into consideration, because if you opt for the latter, in case of a change in the interest rate, the monthly fee can vary significantly.

6 Request a cost simulation

The easiest thing is for you to perform a cost simulation to know exactly what the fee will be and to show you an amortization table where you can see which part is capital to be amortized and which part is interesting.

Also, keep in mind that the term is another condition in a loan: it is not the same to ask for a loan at 24 months than at 60. It will be good to see all the possibilities and study each possibility.

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10 Fun Facts About Animals That Will 100% Make Your Day

A little animal pick-me-up.

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The beautiful world that we live in is filled with so many different animals that are all unique and special. There's something to learn from each living creature on our Earth. Here are some facts about animals that will surely make you smile and maybe give you the pick up that you need!

1. 3% of the ice in Antarctica is made of penguin urine

Penguins really make their mark.

2. Dolphins name their friends

Dolphins associate a sound to each of their friends.

3. Cows love to listen to music

Cows have been shown to produce more milk when listening to slow music.

4. And they have best friends

They get stressed out when their best friend is not with them.

5. Honeybees know how to dance

They dance to survive and tell fellow honeybees where the flowers are.

6. Rats like to be tickled

Rats laugh when tickled. Who doesn't like to be tickled?

7. Squirrels will adopt orphans

If baby squirrels are left abandoned, fellow squirrels will take them in.

8. Elephants self-soothe

We all need some self love.

9. Worms want companionship and with companions snuggle

We all love to snuggle, even worms.

10. Quokka's can smile

I think I found my new favorite animal.

Hopefully, these facts about animals make you feel warm and fuzzy. Have a great day.

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Exclusive Interview With Soul Singer December Rose

Exclusive Interview With Soul Singer December Rose

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Soul Singer Rosie La Posta who goes under the moniker of December Rose releases the ballad Hanging On. Finding a vocal style of her own, she hits all the notes effortlessly. You can hear past influences but she still keeps contemporary. Think Andra Day'smega smash Rise Up. As far the inspiration behind the song, Rosie says, "Besides the grief of a crumbling relationship, the hardest part in moving on is realizing neither person ever really closed the door. 'Hanging On' really paints the melancholy of the process." She first made waves her first single "Ball Game" which received a New Artist Spotlight award and was featured on AOL/Slacker Radio's "New Pop First" channel. Give it a stream.

Can you tell us a bit about your new song Hanging On?

For sure! So 'Hanging On' is about the "elephant in the room" everyone is ignoring. The relationship is crumbling, no one's letting go and closing the door to that chapter in their lives. The song carries listeners through the reminiscing sweet encounter and desperate plea for truth to set them free.

How would you describe your sound?

Always the hardest question to answer!! haha With all the new music I've been working on, there's been a huge musical maturation. With that said, there is a lot of influence of different genres, but to keep it simple, I'd say Adele meets One Republic, meets Gavin DeGraw, meets Amy Winehouse.

What's your song writing routine like?

This has evolved a ton over the years and still haven't really found a routine. My most creative moments are usually in the mornings, in the shower, and while on public transit around the city. Super random!!! I think on average these are the times my mind has the freedom to just think about anything. So, little melodies or song concepts might come to mind, or lyrics. Sometimes on a great day, all of these things come together at the same time. Little by little I build it. I don't force the song to come together in one day if it's not there. I let the idea "sit on the slow cooker" until it's ready (can be super quick or super long).

Are you playing any shows soon?

With the holidays approaching, no shows for the rest of 2018, but booking for 2019 already so all that information will be up on my website shortly. (https://www.DecemberRoseMusic.com)

Whats your favorite social media app?

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