Saturday, 28 May 2011

Portugal’s bailout: reinventing the wheel

The details of the EU/IMF-Portugal financial aid agreement (see draft Memorandum of Understanding on Specific Economic Policy Conditionality or MoU – available here) that were first made public seemed to suggest that the EC/ECB/IMF troika that negotiated it had finessed its strategy ever so slightly, and had learnt from the experiences of Greece and Ireland.

Instead, the agreement with Portugal, as laid out in the draft MoU, is overwhelming in scope. The implied message from the troika seems to be that the approach is failing in Greece and Ireland because it did not go far enough.

The agreement has important measures and impresses by its breadth. However, it also suggests that the troika may not have had the time to check their facts on issues such as, for example, external trade or on housing prices. Data collected by Carmen Reinhart and Kenneth Rogoff in a 2008 paper suggests that Portugal had one of the lowest housing price increases between 2002 and 2006 amongst 43 developed and developing countries. Therefore, one wonders why the troika imposed measures that make house buying more expensive at this stage of the cycle where numerous families are being forced to sell their homes either to avoid foreclosure or due to foreclosure on their mortgages.

More importantly, the agreement has serious issues of process and substance, of which four should be emphasized:

First, there is no discussion of the causes of this crisis, what led Portugal to this situation. It is like going to a doctor seriously ill, and coming back with no diagnosis of the illness but instead with 222 different prescriptions (the number of main action items in the MoU which runs to 34 pages, or roughly twice the length of action items in Greece and Ireland’s MoUs), hoping that some of the medicaments will work. They won’t. The patient’s health will worsen. Portugal faces a balance of payments and external debt crisis, rather than simply a sovereign debt crisis. Perhaps because the MoU does not identify the causes of the crisis, the policy response measures are misguided and likely to fail.

Moreover, given the sheer number of measures, there is no way that a future government, regardless of the party in power, will be able to fully meet the terms of the agreement. The government will likely miss several targets fairly early in the program and this will call its competence into question with its European Union partners, unnecessarily, but perhaps by design.

Second, the agreement does not ask nor respond to the question of who was responsible for what went wrong. One might argue it is neither possible nor relevant at this stage to do so. Quite in contrary, it is important to identify who erred because market economies are all about risk, reward, and punishment. It is also possible to find them. We just have to look for the proverbial elephant in the room.

Who are the largest debtors now unable to pay? Answer: in Portugal’s case, the government and the banks. So, they must have made mistakes. In this, the picture that emerges is similar to that found in Greece and in Ireland.

Who are the largest creditors now afraid of not getting their money back? Answer: large banks and insurers in a number of countries and the Eurosystem (ECB and Eurozone national central banks). In fact, the Eurosystem is the largest creditor of Portugal as well as of Greece and of Ireland’s banking systems and governments. So these creditors also made mistakes.

The consequences of the mistakes should be borne by those who made them. But it is not to be. Instead, the costs of the bailout are to be exclusively assumed by the Portuguese taxpayers and citizens. This is not the culture of merit and accountability the European Union deserves.

Third, the agreement focuses on the minutiae, on far too many wishful thinking ideas in a cross-section of areas from financial sector regulation and support, judicial system organization, to local and regional administration, to name a few. The large number of measures precludes any serious attempt to evaluate their individual effectiveness. Instead, the MoU should select the 20% of ideas with 80% of the economic impact (each with an economic impact above, say, €250 million per year) and thoroughly dissect each of them. Otherwise, it is simply obfuscation.

Finally, the policy measure with the largest economic impact is not correctly implemented. Specifically, in dealing with the Portuguese banks, whose combined liabilities represent 250% of GDP, the agreement does not adopt international best practice. This would have required, before any capital increase or guarantee, the introduction of a special bank resolution procedure (Special Resolution Regime with Prompt Corrective Action), like those available in the US and in the UK, for example. A strong and prompt bank resolution procedure would, among other things, impose losses on the creditors of failing banks and would force out failing banks’ management. Instead, the troika required the Portuguese taxpayer to further support the banking system with up to €47 billion (27.2% of GDP) between guarantees and capital increases.

Moreover, rather than replace failing banks' management, following, for example, the practice of the US FDIC, the MoU (p.7) states that the capital increases “will be designed in way that preserves the control of the management of the banks by their non-state owners”. That is, the taxpayer will likely recapitalize the private banking system, in effect nationalizing it, and yet management control will remain with the old owners. One possible explanation for the troika’s inaction on the banks Special Resolution Regime is the conflicts of interest faced by one of the troika members, the ECB. The ECB is a member of the Eurosystem, which would have faced large losses if a proper bank resolution procedure were adopted immediately.

The idea substantiated in the MoU that an entire country can be reengineered - notwithstanding its faults, the World’s 38th biggest economy - based on a 3-week 34-page outline is remarkable. The agreement seeks to reinvent the wheel and in the meantime destroy what does work. This treatment of Iceland, Hungary, Latvia, Greece, Ireland, and Portugal is beginning to seem like the West’s version of China’s Great Leap Forward: impossible targets based on but pure ideology. It is simply too sad to watch.

83 comments:

  1. "Therefore, one wonders why the troika imposed measures that make house buying more expensive".
    That's simple. As you put it, "Portugal faces a balance of payments and external debt crisis, rather than simply a sovereign debt crisis."

    The goal is simply to change the incentives that for many years favoured house purchases over house renting. The huge number of house mortgages is one of the main forces that pushed up private debt, and therefore, the deficit in the balance of payments.

    ReplyDelete
    Replies
    1. $$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
      Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
      Email: shadiraaliuloancompany1@gmail.com

      LOAN APPLICATION DETAILS.
      First Name:
      Last Name:
      Date Of Birth:
      Address:
      Sex:
      Phone No:
      City:
      Zip Code:
      State:
      Country:
      Nationality:
      Occupation:
      Monthly Income:
      Loan Amount:
      Loan Duration:
      Purpose of the loan:
      Email: shadiraaliuloancompany1@gmail.com


      $$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
      Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
      Email: shadiraaliuloancompany1@gmail.com

      LOAN APPLICATION DETAILS.
      First Name:
      Last Name:
      Date Of Birth:
      Address:
      Sex:
      Phone No:
      City:
      Zip Code:
      State:
      Country:
      Nationality:
      Occupation:
      Monthly Income:
      Loan Amount:
      Loan Duration:
      Purpose of the loan:
      Email: shadiraaliuloancompany1@gmail.com

      Delete
    2. Hello Everybody,
      My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

      LOAN APPLICATION INFORMATION FORM
      First name......
      Middle name.....
      2) Gender:.........
      3) Loan Amount Needed:.........
      4) Loan Duration:.........
      5) Country:.........
      6) Home Address:.........
      7) Mobile Number:.........
      8) Email address..........
      9) Monthly Income:.....................
      10) Occupation:...........................
      11)Which site did you here about us.....................
      Thanks and Best Regards.
      Derek Email osmanloanserves@gmail.com




      Hello Everybody,
      My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

      LOAN APPLICATION INFORMATION FORM
      First name......
      Middle name.....
      2) Gender:.........
      3) Loan Amount Needed:.........
      4) Loan Duration:.........
      5) Country:.........
      6) Home Address:.........
      7) Mobile Number:.........
      8) Email address..........
      9) Monthly Income:.....................
      10) Occupation:...........................
      11)Which site did you here about us.....................
      Thanks and Best Regards.
      Derek Email osmanloanserves@gmail.com

      Delete
    3. HOW I BECAME A VICTOR AFTER SO MANY FAILED ATTEMPT OF GETTING A LOAN.

      I feel so blessed and fulfilled. I've been reluctant in applying for a loan i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got a loan from Progresive Loan INC. & we both confirmed it and i also went ahead to apply, today am a proud owner of my company and making money for my family and a happy mom. Well i'm Annie Joe by name from Pauls Valley, Oklahoma. As a single mom with three kids it was hard to get a job that could take care of me and my kids and I had so much bills to pay and to make it worst I had bad credit so i couldn't obtain a loan from any bank. I had an ideal to start a business as an hair stylist but had no capital to start, Tried all type of banks but didn't work out until I was referred by my co-worker to a godsent lender advertising to give a loan at 2% interest rate. I sent them a mail using their official email address (progresiveloan@yahoo.com) and I got a reply immediately and my loan was approved, and I was directed to the Bank site where I withdrawed my loan directly to my account. To cut the story short am proud of my hair stylist company and promise to testify to the world how my life was transformed.. If you are in need of any kind of loan, i advise you contact Progresive Loan INC and be financially lifted Email: progresiveloan@yahoo.com OR Call/WhatsApp: +16626183756



      Delete
  2. Thanks for the comment. There are a number of possible explanations either in favor or contrary to the housing measures in the MoU. My point is that it should not be left to the reader of the MoU to speculate on why the measure should or not be included.

    There should be at least an attempt at a causality nexus between the problem/issue and the policy response measure that was designed to address it. And the troika should really focus on the measures with the largest economic impact (i.e., the measures that are important and relevant)

    ReplyDelete
  3. Fully agreeing with MC's comment, the remainder of Cabral's text is quite strong and clear.

    ReplyDelete
  4. Disclaimer: I'm am not an economist.

    Three comments:
    1. One could infer that for the troika and for the portuguese politicians that agreed to the MoU, the cause of the crisis is the fact that the kind of measures written in the MoU were not implemented before.

    2. In regards to change in taxation for housing, it's not "up to the reader" to decipher

    "6.4. The Government will modify property taxation with a view to level incentives for
    renting versus acquiring housing."

    3. Labeling the fact that the ECB is one of our biggest creditors "a mistake" is a little naive. The ECB was buying our debt i.e. financing us because no one else would! And to some extent that applies to Portuguese banks that had to buy Portuguese debt and ended up with toxic assets

    It's a text I enjoyed reading, and lots of technical questions are beyond my scope, but I view it also as "ideological.

    ReplyDelete
  5. " ... the agreement does not ask nor respond to the question of who was responsible for what went wrong ..."

    Cabral, your post is quite strong and I praise you for it. But do you really think anyone is seriously looking for real explanations for the Portuguese, or European problem ?

    I leave you all with a link that I find not only fun but enriching:http://pipesandtheories.blogspot.com/2011/04/keynes-v-hayek-rap-battle-part-ii.html.

    ReplyDelete
  6. Miguel,

    thanks for your comments.

    Regarding 3, the large amount of money at risk of loss is an indicator of mistakes in the decision making process of the Eurosystem (specifically, in the design of the monetary policy operations). The ECB purchases of government debt in the secondary market are, in my view, not the crux of the problem. But even in that case questions could be raised on the decision making.

    One important reason why Portugal was able to become so indebted over the last decade was that portuguese private and public debt could be used as collateral in ECB open market operations.

    If you are interested in this topic, I recommend the reading of the following column by Anne Siebert (Love Letters from Iceland).

    http://www.voxeu.org/index.php?q=node/5059

    ReplyDelete
  7. Btw, could you give the reference of the Reinhart and Rogoff (2008) paper that you mentioned?
    I assumed it was the AER one, but it just a AER note, so no much data.

    Thank you

    ReplyDelete
  8. MC:

    Of course. The paper is "Banking Crises: An Equal Opportunity Menace". I had the draft from Dec. 17, 2008, fig. 3, p. 22.

    It is available here:

    http://www.economics.harvard.edu/files/faculty/51_Banking_Crises.pdf

    ReplyDelete
  9. Very good analysis, Ricardo.
    But we DO need a new wheel, or better yet, a sextant.
    When dealing with intra-Eurozone balance-of-payments adjustments, we are sailing into uncharted territory, because the usual IMF prescriptions (devaluation, tariffs, interest rate increases, capital controls) must stay now in the drawer.
    Are there any cases of successful external adjustments within a Single Market or Single Currency context, perhaps Hong Kong?
    Small country fiscal and incomes policies cannot do all the heavy lifting needed for rebalancing the Eurozone.
    So we have the peripheral midget economies playing trade volleyball with the central European big boys. We do need a new wheel, or better a sextant.
    When dealing with intra-Eurozone balance-of-payments adjustments, we are sailing into uncharted territory, because the usual IMF prescriptions (devaluation, tariffs, interest rate increases, capital controls) must stay in the drawer.
    Are there any cases of successful external adjustments with a currency board, perhaps Hong Kong?
    So we have the peripheral midget economies, with one policy hand tied behind their backs. playing trade volleyball with the central European big boys.
    It is not going to work.
    Mariana Abrantes de Sousa, PPP Lusofonia
    http://ppplusofonia.blogspot.com/2011/05/midgets-cant-guarantee-intra-eurozone.html

    ReplyDelete
  10. Wonderful pearls of truth that apply to our time.
    Sample Agreement

    ReplyDelete
  11. I dispatched your articles links to all my contacts and they all mate it including me.
    unsecured loans online

    ReplyDelete
  12. Your articles are very well written and unique.
    dui lawyer

    ReplyDelete
  13. خدمات تسليك المجاري شركة تسليك مجارى بالرياض نقدم اليكم افضل الخدمات علي الاطلاق حيث اننا نقوم بحل مشكلة
    شركة تسليك مجاري بالرياض انسداد المجاري بافضل الطرق فنحن

    ReplyDelete
  14. To Whom It May Concern

    ATTN,

    Are you in need of a loan or Investment funding ? we give out all kinds of loans with a very low interest rate of 2%. Contact SKY GROUP PLC For more info, Do contact him with your detailed loan proposal

    TYPES OF LOANS.


    Auto Loans
    Mortgage loans
    Business Loans
    Personal Loans
    Real Estate Loan.

    REQUIRED INFO.

    1.Full Name:
    2.Loan Amount Needed:
    3.Loan Duration:
    4.Country:
    5.Mobile No:

    Contact Person:Mr. Paul Fredrick
    Position: Manager
    Email: skygroupplc@gmail.com
    © 2017 SKY GROUP PLC

    ReplyDelete
  15. My name is.Mrs.Juliet Quin. I live in Canada and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $ 73,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $ 73,000.00 Canada Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Juliet Quin that refer you to him. Contact Dr Purva Pius via email: reply to email (urgentloan22@gmail.com)

    ReplyDelete
  16. $$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
    Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
    Email: shadiraaliuloancompany1@gmail.com

    LOAN APPLICATION DETAILS.
    First Name:
    Last Name:
    Date Of Birth:
    Address:
    Sex:
    Phone No:
    City:
    Zip Code:
    State:
    Country:
    Nationality:
    Occupation:
    Monthly Income:
    Loan Amount:
    Loan Duration:
    Purpose of the loan:
    Email: shadiraaliuloancompany1@gmail.com


    $$$ GENUINE LOAN WITH 3% INTEREST RATE APPLY NOW $$$.
    Do you need finance to start up your own business or expand your business, Do you need funds to pay off your debt? We give out loan to interested individuals and company's who are seeking loan with good faith. Are you seriously in need of an urgent loan contact us.
    Email: shadiraaliuloancompany1@gmail.com

    LOAN APPLICATION DETAILS.
    First Name:
    Last Name:
    Date Of Birth:
    Address:
    Sex:
    Phone No:
    City:
    Zip Code:
    State:
    Country:
    Nationality:
    Occupation:
    Monthly Income:
    Loan Amount:
    Loan Duration:
    Purpose of the loan:
    Email: shadiraaliuloancompany1@gmail.com

    ReplyDelete
  17. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding Group Ltd working on expanding its portfolio globally and financing projects.

    We would be happy to fund and invest with you in any profitable project if you have any viable project we can finance by making mutual investment with you. If you are interested, kindly contact us on:avitinvestmentauthority2@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  18. we have 100% assurance to solve your financial problem and to increase your financial status just 24 hours, with 3% rate we give all kinds interested people should contact via Email:alticocaps@gmail.com

    ReplyDelete
  19. HOW I BECAME A VICTOR AFTER SO MANY FAILED ATTEMPT OF GETTING A LOAN.

    I feel so blessed and fulfilled. I've been reluctant in applying for a loan i heard about online because everything seems too good to be true, but i was convinced & shocked when my friend at my place of work got a loan from Progresive Loan INC. & we both confirmed it and i also went ahead to apply, today am a proud owner of my company and making money for my family and a happy mom. Well i'm Annie Joe by name from Pauls Valley, Oklahoma. As a single mom with three kids it was hard to get a job that could take care of me and my kids and I had so much bills to pay and to make it worst I had bad credit so i couldn't obtain a loan from any bank. I had an ideal to start a business as an hair stylist but had no capital to start, Tried all type of banks but didn't work out until I was referred by my co-worker to a godsent lender advertising to give a loan at 2% interest rate. I sent them a mail using their official email address (progresiveloan@yahoo.com) and I got a reply immediately and my loan was approved, and I was directed to the Bank site where I withdrawed my loan directly to my account. To cut the story short am proud of my hair stylist company and promise to testify to the world how my life was transformed.. If you are in need of any kind of loan, i advise you contact Progresive Loan INC and be financially lifted Email: progresiveloan@yahoo.com OR Call/WhatsApp: +16626183756



    ReplyDelete
  20. Warning: US Economy Is About To Collapse Says…

    It’s shocking but true…

    The world?????????’s biggest economy is about to collapse.

    US dollar is going down and there is no way you can stop it.

    Worst of all? This news has been confirmed by Goldman Sachs and the World Bank also.

    That’s why you need to watch astonishing documentary by American Financial Council.

    >>Watch this shocking Documentary Here<<

    Watch this video before the ruling elite makes it inaccessible.

    The video contains various controversial facts that mainstream media is trying its best to hide from you.

    Watch The video now: >> The Collapse of US Economy exposed<<

    Best,

    [Mr Mark Fidelman]

    ReplyDelete
  21. Do you need Personal Loan?
    Business Cash Loan
    Unsecured Loan
    Fast and Simple Loan
    Quick Application Process
    Approvals within 4 Hours
    No Hidden Fees Loan
    Funding in less than 1 day
    Get unsecured working capital
    Contact Us At : abidinmohdmostafaloanfirm@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ===========================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At : Whats App +919582759438

    ReplyDelete
  22. Do you need Personal Loan?
    Business Cash Loan
    Unsecured Loan
    Fast and Simple Loan
    Quick Application Process
    Approvals within 4 Hours
    No Hidden Fees Loan
    Funding in less than 1 day
    Get unsecured working capital
    Contact Us At : abidinmohdmostafaloanfirm@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ===========================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
    Purpose of loan:.......
    Loan Duration:..
    Gender:.............
    Marital status:....
    Location:..........
    Home Address:..
    City:............
    Country:......
    Phone:..........
    Mobile / Cell:....
    Occupation:......
    Monthly Income:....

    Contact Us At : Whats App +919582759438

    ReplyDelete
  23. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something.
    LISTA NEGRA BANCO DE PORTUGAL

    ReplyDelete
  24. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  25. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  26. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  27. Good Day,
    Are you in need of financial assistance? Have you thought of obtaining a loan? Probably you have been turned down by your local banks in quest of getting a loan. Search no further, we are currently offering long and short term loans to the public at large. We can help you with a loan at a very low interest rate. Contact us now with the following information's below:
    ahmedconsultancycompany@gmail.com
    Full Name.............
    Sex.....................
    Age......................
    Phone Number......
    Country..................
    Amount Needed .....
    Loan Duration.........
    Monthly Income........
    Hope to hear from you soon.
    Best Regards.
    ahmedconsultancycompany@gmail.com
    Phone number :+1 516-591-0949 (Whatsapp Only)


    Are you searching for a very Genuine Loan? The good news is here ! ! ! We Offer LOANS ranging from $5000.00 to $5, 000, 000.00Max. at 3% interest rate per annual. LOANS for developing business We are certified, trustworthy,? reliable, efficient, Fast and dynamic.contact? us
    ahmedconsultancycompany@gmail.com
    Borrowers Information Needed Fill And Return.
    Full Names:.........................
    Contact Address:..................
    Country:........................
    Amount Needed:.......
    Loan Duration:..............
    Purpose Of Loan:.......
    Occupation:..........
    Sex:..........
    Age:...........
    Phone Number:..........
    Marital Status:...........
    Best Wishes,

    ahmedconsultancycompany@gmail.com
    Phone number :+1 516-591-0949 (Whatsapp Only)

    ReplyDelete
  28. Good Day,
    Are you in need of financial assistance? Have you thought of obtaining a loan? Probably you have been turned down by your local banks in quest of getting a loan. Search no further, we are currently offering long and short term loans to the public at large. We can help you with a loan at a very low interest rate. Contact us now with the following information's below:
    ahmedconsultancycompany@gmail.com
    Full Name.............
    Sex.....................
    Age......................
    Phone Number......
    Country..................
    Amount Needed .....
    Loan Duration.........
    Monthly Income........
    Hope to hear from you soon.
    Best Regards.
    ahmedconsultancycompany@gmail.com
    Phone number :+1 516-591-0949 (Whatsapp Only)


    Are you searching for a very Genuine Loan? The good news is here ! ! ! We Offer LOANS ranging from $5000.00 to $5, 000, 000.00Max. at 3% interest rate per annual. LOANS for developing business We are certified, trustworthy,? reliable, efficient, Fast and dynamic.contact? us
    ahmedconsultancycompany@gmail.com
    Borrowers Information Needed Fill And Return.
    Full Names:.........................
    Contact Address:..................
    Country:........................
    Amount Needed:.......
    Loan Duration:..............
    Purpose Of Loan:.......
    Occupation:..........
    Sex:..........
    Age:...........
    Phone Number:..........
    Marital Status:...........
    Best Wishes,

    ahmedconsultancycompany@gmail.com
    Phone number :+1 516-591-0949 (Whatsapp Only)

    ReplyDelete
  29. What are your Financial needs? We give out loans from a minimum of $5,000 to a maximum of $500,000,000.00 with comfortable duration that ranges from 1 to 30 years at a very reduced interest rate of 3%. Contact us via email: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete

  30. Do you need secured or unsecured loan? Need financing but don't know how to go about securing a loan? Contact us for help.Financing shouldn't be a mystery. We would

    love to fund projects at hand and offer personal loans as well to you, your firm/partners and clients. A loan process can be completed within a space of one week

    provided terms of loan contract is agreed upon. Look no further, contact LOGIC MONEY FINANCIAL SOLUTION today.

    We only give out loans from ($5000 USD TO $500 MILLIONS USD) with a maximum time duration of 30years.

    Yours in Service,

    Dr. Ahmed Kumar
    General Consultant.
    Logic Money Financial Solution
    whatsapp +918860675979
    solutionlogicmoney@gmail.com

    ReplyDelete
  31. Do you need an urgent blank ATM CARD to solve your financial needs and i just want to tell the world my experience with everyone. i discovered a hacking guy called Mike. he is really good at what he is doing, i inquired about the BLANK ATM CARD. if it works or even Exist, then i gave it a try and asked for the card and agreed to their terms and conditions. three days later i received my card and tried it with the closest ATM machine close to me, to my greatest surprise it worked like magic. i was able to withdraw up to $4000. This was unbelievable and the happiest day of my life. there is no ATM MACHINES this BLANK ATM CARD CANNOT penetrate into it because it have been programmed with various tools and software. i just felt this might help those of us in need of financial stability. The card have really change my life. if you want to contact them, HERE is the email: blankatm156@gmail.com

    ReplyDelete
  32. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
    Group Ltd working on expanding its portfolio globally and financing
    projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:bentexgroup@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  33. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
    Group Ltd working on expanding its portfolio globally and financing
    projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:bentexgroup@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  34. We currently have funds for Financing Real Estate, Project Funding, Bridge Loans, Construction Financing and Ordinary Loans for Company Export/Import financing projects of large volume.

    Here are the area of our funding:

    * Bridging loans
    * Business Loans
    * Personal loan
    * Investment loan
    * Auto loan
    * Construction loans
    * Debt Consolidation
    * Credit line
    * Lend Lease
    * Second mortgage
    * Credit Redemption
    * Project Financing
    * Mortgage
    * Refinancing Loans
    * Real Estate Investment loans
    * Agent/Brokers.

    Our funding interest rate is 3% with 1 year grace period, and the client need to be insure his/her project with an insurance company of the total loan sum to guarantee the loan as collateral.

    e-Mail us: standardonlineinvestment@gmail.com

    ReplyDelete
  35. Do you need a genuine Loan to settle your bills and startup
    business? contact us now with your details to get a good
    Loan at a low rate of 3% per Annual email us:
    Do you need Personal Finance?
    Business Cash Finance?
    Unsecured Finance
    Fast and Simple Finance?
    Quick Application Process?
    Finance. Services Rendered include,
    *Debt Consolidation Finance
    *Business Finance Services
    *Personal Finance services Help
    Please write back if interested with our interest rate datanfincorpfinance@gmail.com
    Whats App +918929593217

    ReplyDelete
  36. PROMO! PROMO! PROMO !!!

    Are you interested in a loan? At RIKA ANDERSON LOAN COMPANY, we offer all types of financial assistance to all individuals "personal loans, investment loans, home loans and loan companies around the world, our interest rates are 1% per year. We also provide advice and financial assistance to us clients and applicants If you have a good project or want to start a business and need a loan to finance it immediately, we can discuss it, sign a contract, and then fund your project or business for you together with the World Bank and the Industrial Bank.

    Business Category

    Merchandising Business.
    Manufacturing business
    Hybrid Business.
    Sole proprietorship
    Partnership.
    Company.
    Limited liability company.
    personal loan.
    investment loan.
    Loan Loan.
    Home ownership credit.

    LOAN COMPANY
    Email: rikaandersonloancompany@gmail.com
    CEO Tel .: +1(914)705-7484
    Whatsapp: +19147057484
    Branch Manager: + 1-267-725-6459
    Whatsapp Branch Manager: + 12677256459
    Headquarters: 228 Park Ave S, New York, NY 10003-1502, USA
    Tax / CAC /: 1095/0730/2028
    New York County Supreme Court, NY9016 34001

    ReplyDelete
  37. Contact us for some genuine and certified financial services to set yourself up with a new business or if you wish to enlarge your business in this new year.Our financial services ranges from personal/individual to organizational and we deliver as fast as possible within 24 hours of application with no demands except security provision. We are here to serve you in this new year and help you grow your business and expand your financial status. Kindly contact us via abdullahonlinefinance@gmail.com

    ReplyDelete
  38. Hello I am very happy to share my Happiness with everyone.
    I received a Master Card just last week and it pays me 5,000€ ( Five thousand euros) at a spot, I tried today again and the same 5,000€ was paid out, This card will give me 5,000€ daily for 6 months. If you are in need of urgent money you can get this card as well , just contact the details below
    Contact Person: Prof Alexander Castro
    whatsapp +17042750147
    E-Mail: hacklords.investors@gmail.com
    atmservices44 @ aol.com

    ReplyDelete

  39. Hello, I am Mohammedi Miah by name and I want to testify to a good lender who has loaned me a loan of $490,000.00, after being cheated by several international internet financiers, everyone promises to give me a loan after I have been forced to pay a lot of costs that are worthless or a loan Loan No positive result. Until I met a witness who was also scammed and eventually connected to a legitimate loan company called Clem Alpha Finance Company Limited, where he finally got his loan, so I decided to contact him Loan Company and all they assured me was that I would not cry more because I would get my loan from their company and I would follow them when they reported my surprise. They gave me a loan of $490,000.00 For more information about their services Email: clemalphafinance@gmail.com

    ReplyDelete
  40. We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

    Contact : Mr. DARREN C CHENG
    Email: Darrencraig002@gmail.com
    skype : keatcheng2@gmail.com

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All inquires to Mr. Darren should include the following minimum information so I can quickly address your needs:

    Complete contact information:
    What exactly do you need?
    How long do you need it for?
    Are you a principal borrower or a broker?

    Contact me for more details.

    Whatsapp: +19733700521

    ReplyDelete
  41. Hello welcome to our principal office Ronnie Finance Ltd

    We help you with finance/loan (project funding) for your business dreams through Commercial Lending for Asset Based Lending, Factoring, Equipment Leasing, Commercial Real Estate, Merchant Card Processing, Merger and Acquisition, Merchant Cash Advance, Working Capital, Expansion Commercial Bridge Loans, Debt Restructure.

    Debt consolidation loans?
    Venture capital Loan?
    Business Capital Loans?
    Education loans?
    Home loans?
    Loans for any reason?

    Email:markthomasfinanceltd@gmail.com
    Whats-App no +919667837169
    Dr. Mark Thomas

    ReplyDelete
  42. We currently have funds for Financing Real Estate, Project Funding, Bridge Loans, Construction Financing, and Ordinary Loans for Company Export/Import financing projects of large volume.

    Our funding interest rate is 3% with five months grace period, and the client needs to ensure his/her project with an insurance company of the total loan sum to guarantee the loan as collateral.

    E-Mail us: standardonlineinvestment@gmail.com

    ReplyDelete

  43. Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

    ReplyDelete
  44. Do you need a loan?
    Does your firm, company or industry need financial assistance?
    Do you need finance to start your business?
    Do you need personal loan?
    Loan for your home improvements
    Mortgage loan
    Debt consolidation loan
    Commercial loan
    Education loan
    Car loan
    Loan for assets.
    Contact us today with for your loan request. clemalphafinance@gmail.com
    Phone number: +91-9818603391 (Call/Whats app)
    Dr. Clem Alpha

    ReplyDelete
  45. Do you need a genuine Loan ? to settle your bills and startup
    business? contact us now with your details to get a good
    Loan at a low rate of 3% per Annual email us:
    Do you need Personal Finance?
    Business Cash Finance?
    Unsecured Finance
    Fast and Simple Finance?
    Quick Application Process?
    Finance. Services Rendered include,
    *Debt Consolidation Finance
    *Business Finance Services
    *Personal Finance services Help
    Please write back if interested with our interest rate.

    CONTACT LENDER COMPANY:
    C.E.O. Deby Johnson.
    loanoffer@debyfinancingloans.com
    debyfinancingloans@gmail.com
    Whatsapp Number: +447459797459
    DEBY FINANCING LOANS COMPANY

    ReplyDelete
  46. Are you frustrated or tired of seeking Financial assistance from Bank and

    different financial organization, have you encountered company with unsatisfied

    financial services?
    Here is your chance to secure fast and genuine money lending at a very low

    interest rate.

    DEBY FINANCING LOANS COMPANY ARE PROVIDING LOANS TO ALL CUSTOMERS WHO
    IS IN NEED OF LOANS.

    APPLY FOR URGENT LOAN AMOUNT HERE.

    CONTACT LENDER COMPANY:
    C.E.O. Deby Johnson.
    loanoffer@debyfinancingloans.com
    debyfinancingloans@gmail.com
    Whatsapp Number: +447459797459
    DEBY FINANCING LOANS COMPANY

    ReplyDelete
  47. Are you searching for a very genuine loan at an affordable interest rate of 3% process and approved within 4 working days? Have you been turned down Constantly by your Banks and other financial institutions because of bad credit? Loans ranging from $5000 USD to $20, 000, 000 USD maximum LOANS for Developing business a competitive edge / business expansion. We are certified, trustworthy, reliable, efficient, Fast and dynamic for real estate and any kinds of business financing. Contact us for more details and information.
    Thanks & Regard
    Call/Whats App 918929509036
    (Whats App) 918929509036
    Dr James Eric Housing Finance Pvt Ltd
    E-mail: financialserviceoffer876@gmail.com

    ReplyDelete
  48. IFSCapital@post.com ( IFSCapitalloan@gmail.com ) Is Offering Its Global Fund Program, Where Loans Are Offered To Interested Clients Globally To Fund Profitable Business And Projects. Interested Parties Should Contact Us For More Information Through Via Email: IFSCapital@post.com ( IFSCapitalloan@gmail.com )

    ( IFSCapitalloan@gmail.com ) Are The Solution To Your Financial Problem ( IFSCapitalloan@gmail.com ) Has Set Itself The Mission Of Promoting Short, Medium And Long-Term Loan Financing With Us To ( IFSCapitalloan@gmail.com ) Borrow Flexibly! Our Program Are Financial Institutions To Fund Private Capital, Private Equity, Project Funding, Real Estate, Business & Entertainment Funding, Venture Capital, Hedge Funds, And Others. Interested Parties Should Contact Us For More Information Through Via Email: IFSCapital@post.com ( IFSCapitalloan@gmail.com )

    If You Are Seeking A Loan For The Development Of Expansion Of Your Business, Innovative Products, Processes Or Even Technical Services; ( IFSCapitalloan@gmail.com ) Has Professional Finance Programs That Will Provide You With The Chance To Gain A Competitive Edge Over The Competition And Pave The Way For The Positive Growth Of Your Company. Interested Parties Should Contact Us For More Information Through Via Email: IFSCapital@post.com ( IFSCapitalloan@gmail.com )

    ReplyDelete
  49. Are you tired of seeking loans and Mortgages, have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate. If you are interested in taking a loan, feel free to contact us today, We promise to offer you the best services ever. Just give us a try, because a trial will convince you.What are your Financial needs?Do you need a business loan?Do you need a personal loan?Do you want to buy a car?Do you want to refinance?Do you need a mortgage loan?Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Contact us (infoloanfirm8@gmail.com)

    ReplyDelete
  50. Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees
    from a private lender? Just 2.0% p.a, tailored with a flexible repayment
    schedule to meet the borrower's need and also a grace period of up to 12 -
    24 months.

    We arrange business finance for companies of all sizes ranging from start-
    ups to establisheda corporations, belonging to a wide range of industries
    such as real-estates, mineral resources, high-technology, oil and gas,
    leisure & tourism, hospitals & nursing homes, chemicals & pharmaceuticals,
    transport & utilities, renewable & sustainable energy, infrastructure etc.

    NOTE: All replies should be forwarded and send to the e-mail account below
    for quick response and further details regarding our rate, terms &
    procedures.

    Email: support@hispanicfinance.com
    Whatsapp: +1(912) 695-1658
    Website: www.hispanicfinance.com

    ReplyDelete
  51. Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees
    from a private lender? Just 2.0% p.a, tailored with a flexible repayment
    schedule to meet the borrower's need and also a grace period of up to 12 -
    24 months.

    We arrange business finance for companies of all sizes ranging from start-
    ups to establisheda corporations, belonging to a wide range of industries
    such as real-estates, mineral resources, high-technology, oil and gas,
    leisure & tourism, hospitals & nursing homes, chemicals & pharmaceuticals,
    transport & utilities, renewable & sustainable energy, infrastructure etc.

    NOTE: All replies should be forwarded and send to the e-mail account below
    for quick response and further details regarding our rate, terms &
    procedures.

    Email: support@hispanicfinance.com
    Whatsapp: +1(912) 695-1658
    Website: www.hispanicfinance.com

    ReplyDelete
  52. Are you INTERESTED in a genuine, fast, reliable LOANS with no hidden fees
    from a private lender? Just 2.0% p.a, tailored with a flexible repayment
    schedule to meet the borrower's need and also a grace period of up to 12 -
    24 months.

    We arrange business finance for companies of all sizes ranging from start-
    ups to establisheda corporations, belonging to a wide range of industries
    such as real-estates, mineral resources, high-technology, oil and gas,
    leisure & tourism, hospitals & nursing homes, chemicals & pharmaceuticals,
    transport & utilities, renewable & sustainable energy, infrastructure etc.

    NOTE: All replies should be forwarded and send to the e-mail account below
    for quick response and further details regarding our rate, terms &
    procedures.

    Email: support@hispanicfinance.com
    Whatsapp: +1(912) 695-1658
    Website: www.hispanicfinance.com

    ReplyDelete
  53. Do you need a genuine Loan to settle your bills and startup

    business? contact us now with your details to get a good

    Loan at a low rate of 3% per Annual email us:

    Do you need Personal Finance?

    Business Cash Finance?

    Unsecured Finance

    Fast and Simple Finance?

    Quick Application Process?

    Finance. Services Rendered include,

    *Debt Consolidation Finance

    *Business Finance Services

    *Personal Finance services Help

    Please write back if interested with our interest rate EMAIL: muthooth.finance@gmail.com
    Call or add us on what's App +91-7428831341

    ReplyDelete
  54. HAVE YOU BEEN IN SEARCH FOR GENUINE HACKER'S ONLINE?. HAVE YOU LOST YOUR MONEY TO BINARY OPTION SCAM OR ANY ONLINE SCAM WHATSOEVER?. WELL, YOU HAVE FOUND REDEMPTION IN ASORE CORP.
    asorehackcorp@gmail.com

    Asore Corp is a Russian based group of multinational Hacker's, an affiliate of Evil Corp. We have mutual interests obliged to fight online scam and scammers in general. In doing this, we make sure by all means necessary that our clients get the best of services on a🔐PAYMENT AFTER JOB IS DONE BASIS✔️. Rather than send money and trust a criminal to fulfill your deal, you can make sure the job is done before WORKMANSHIP is paid for. You'll get excellent customer service.
    That's a 100% guarantee.

    ⚠️ BEWARE OF FRAUDSTARS
    if you have been a VICTIM, contact :
    ✅ mercurycrimewatch@gmail.com for directives.
    Here, it's always a win for you.

    Having been on various headlines since 2004 hitherto, Asore Corp hosted a conference in August 2006 tagged "The Hacker's profile", which was anchored by Morgan Marquis Boire a then Hacker at Microsoft. Also, Asore Corp have acquired a hall of fame well deserved for solving tedious puzzles shocking the internet countless times. We possess highly qualified hackers recruited and registered under the right agencies. 
    Without any reasonable doubts, it is no news that Asore Corp offer one of the best Hacking services world wide. 
    Amongst others, services we offer are listed 📌as follows :
    BinaryOption funds recovery✔️
    Social media hack✔️
    Recovery of loan scam✔️
    Recovery of dating scam✔️
    E mail hack✔️
    College score upgrade✔️
    Android & iPhone Hack✔️
    Website design✔️
    Website hack✔️
    etc.

    CONTACT:
    🤳asorehackcorp@gmail.com
    ▪︎︎ WHATSAPP: +1 (512) 601-0445

    Copyright ©️
    Asore Cyber Corp 2020.
    All rights reserved.

    ReplyDelete
  55. Good day,

    I am a private lender. I give out Guarantee Business Loans, Personal
    Loans, Home Buying Loans, Auto Loans E.T.C. I give a long term loan from $2,000.00 to $1,000,000.00 from a maximum of one to fifty years At an interest rate of 3%, the interested applicant should email : ( libertyfinancialservice366@gmail.com ) or whatsapp (+12293838364 ) for more info

    Name
    country
    Loan amount neededu
    Loan Duration
    Loan purpose
    Phone number
    Monthly income
    Status

    ReplyDelete
  56. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

    I am Mrs,Leores Miguel Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

    When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Jazbel direct you Good Luck.......................

    ReplyDelete
  57. Need a Debt Loan To Pay Off Bills?
    Take control of your debt today
    Available Now Business Expansion Loan Offer?
    Do you need a loan to pay off Bills?
    Do you need a loan?
    Do you need Personal Loan?
    Business Expansion Loan?
    Business Start-up, Education,
    Debt Consolidation Loan
    Hard Money Loans
    Loan for any thing ?
    We offer loan at low interest rate of 3%
    Loan with no credit check,
    Email us: financialserviceoffer876@gmail.com
    Call or add us on what's app +918929509036

    ReplyDelete

  58. Do you need 100% Loan Finance? huge capital Private finance for business expansion, new project start up. We offer our services to both government and companies in any part of the globe. Our services falls in various ranges like direct funding program, short and long term funding program, Discounting of bank Financial Instruments, Letter of Credit against acceptable bank instruments, Asset trading – Trade finance Etc.

    C.E.O. Deby Johnson.
    debyfinancingloans@gmail.com
    Whatsapp Number: +447459797459
    Whatsapp Number: +918375004762
    DEBY FINANCING LOANS COMPANY

    ReplyDelete
  59. Hello everyone, I am Oliver Erik Pauli a beneficiary of FRANKQUICK LOAN COMPANY.Do you think of getting a loan? Are you seriously in need of an urgent loan to start your own business? Are you in debt? frankquickloans@protonmail.com This is your chance to achieve your wish, they give personal loans, business loans and corporate loans, and all kinds of loan with interest at 2%, for more information contact them via email: frankquickloans@protonmail.com
    =====================================================================

    ReplyDelete

  60. Hello,

    Are you looking for a loan?

    We offer loan at 3% interest rate.

    for more details, kindly contact us via E-mail ID: f.loans72@gmail.com

    You can also contact us on WhatsApp: +393510111286

    We have offices in: Italy, Turkey and France


    Mr. Kenneth Lucas
    Managing Director
    Fast Loans
    WhatsApp: +393510111286
    f.loans72@gmail.com

    ReplyDelete
  61. Do you need a genuine Loan to settle your bills and startup
    business? contact us now with your details to get a good
    Loan at a low rate of 3% per Annual email us:
    Do you need Personal Finance?
    Business Cash Finance?
    Unsecured Finance
    Fast and Simple Finance?
    Quick Application Process?
    Finance. Services Rendered include,
    *Debt Consolidation Finance
    *Business Finance Services
    *Personal Finance services Help
    Please write back if interested with our interest rate datanfincorpfinance@gmail.com

    ReplyDelete
  62. Dear sir,

    I am a Direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.

    Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.

    Email: longmornprojectfinances@gmail.com

    Skype: longmornprojectfinance@hotmail.com

    Whatsapp: +1(661)262-9225

    Warm Regards
    Simon Federman

    ReplyDelete

  63. Your financial need are our concern. We are happy to extend the hand of support you need. No matter if it's your personal requirement, purchase requirement or official requirement. We would just need appropriate documents, income proof and financial track records. If every part of the process are in right place, you can get your loan by only 1 day of your date of application. There are special instant approval loans with which you can get your loan amount in just 5 Hour, directly to your bank account. All you need to do is just get in touch with our loan assistance executives. Drop your details and required loan amount on the form and we call you with the best loan products to choose from. Email us: clemalphafinance@gmail.com What's app +44-7424223395 What's app +91-9818603391

    ReplyDelete
  64. Do you need a quick long or short term loan with a relatively low interest rate
    as low as 2%? We offer business loan, personal loan, home loan, auto loan,
    student loan, debt consolidation loan e.t.c. no matter your credit score. We
    are guaranteed in giving out financial services to our numerous clients all
    over the r world. With our flexible lending packages, loans can be processed
    and transferred to the borrower within the shortest time possible, contact our
    specialist for advice and finance planning. If you need a quick loan to Contact us now via E-mail: (excelsiorfunds5@protonmail.ch)
    whatspp Number +447448521995

    ReplyDelete
  65. Do you need a quick long or short term loan with a relatively low interest rate
    as low as 2%? We offer business loan, personal loan, home loan, auto loan,
    student loan, debt consolidation loan e.t.c. no matter your credit score. We
    are guaranteed in giving out financial services to our numerous clients all
    over the r world. With our flexible lending packages, loans can be processed
    and transferred to the borrower within the shortest time possible, contact our
    specialist for advice and finance planning. If you need a quick loan to Contact us now via E-mail: (excelsiorfunds5@protonmail.ch)
    whatspp Number +447448521995

    ReplyDelete
  66. Contact us for some genuine and certified financial services to set yourself up with a new business or if you wish to enlarge your business in this new year. Our financial services ranges from personal/individual to organization and we deliver as fast as possible within 24 hours of application with no demands except security provision. We are here to serve you in this new year and help you grow your business and expand your financial status. Contact us via email: magmafincropp@gmail.com
    Whats-app us on +917428734439

    ReplyDelete
  67. Need a Debt Loan To Pay Off Bills?
    Take control of your debt today
    Available Now Business Expansion Loan Offer?
    Do you need a loan to pay off Bills?
    Do you need a loan?
    Do you need Personal Loan?
    Business Expansion Loan?
    Business Start-up, Education,
    Debt Consolidation Loan
    Hard Money Loans
    Loan for any thing ?
    We offer loan at low interest rate of 3%
    Loan with no credit check,
    Email us: clemalphafinance@gmail.com
    Call or add us on what's app +91-9818603391

    ReplyDelete
  68. If you want to know the What Are The Required Documents For Portugal Golden Visa then consult with smart move immigration he will give you best Portugal golden visa agent and agent tell you all the requirement before applying the golden Portugal visa.What Is The Validity Of Portugal's Golden Visa?
    Smartmoveimmigration

    ReplyDelete
  69. I am writing to inform you about the offer of our credit, my company offer to help individuals and organization including small business owner. Our offer is as low as 3% interest rate for 1-20years duration, your interest will be urgently responded to by the company online agents. All requirements will be introduced to you by our online agent, kindly contact us via email: (hkfinancials@cash4u.com or hk320174@gmail.com) for urgent responses on whatsapp text:(+35677692162) for more information..

    ReplyDelete
  70. Dear Sir/Madam,

    Do you need a quick long or short term Loan with a relatively low interest rate as low as 3%? We offer business Loan, personal Loan, home Loan, auto Loan,student Loan, debt consolidation Loan e.t.c. no matter your credit score.
    Personal Loans (Secure and Unsecured)
    Business Loans (Secure and Unsecured)
    Consolidation Loan and many more.

    Contact US for more information about Loan offer and we will solve your
    financial problem. contact us via email: muthooth.finance@gmail.com
    Phone number: +917428831341 (Call/Whats app)

    ReplyDelete
  71. Do you need Quick Loan to settle your bills and startup
    business? contact us now with your details to get a good
    Loan at a low rate of 2% per Annual
    Do you need Personal Finance?
    Business Cash Finance?
    Unsecured Finance
    Fast and Simple Finance?
    Quick Application Process?
    Finance. Services Rendered include,
    *Debt Consolidation Finance
    *Business Finance Services
    *Personal Finance services Help
    contact us for more information on how to get started:
    (Whats App) number:+919394133968
    please contact email id : patialalegitimate515@gmail.com
    Mr Sorina Jeffery

    ReplyDelete
  72. You need personal informations from companies,family and friends that will better your life and you need easy access without them noticing just contact james or you’re financially unstable or you have a bad credit score, he will solve that without stress,he and his team can clear criminal records without leaving a trace and can also anonymously credit your empty credit cards with funds you need,all these are not done free obviously but I like working with James and his team cause they keep you updated on every step taken in order to achieve the goal and they also deliver on time,I tested and confirmed this I’m still happy on how my life is improving after my encounter with him ,you can send a mail to premiumhackservices@gmail.com

    ReplyDelete
  73. AFFORDABLE/COMFORTABLE LOAN OFFER WITHOUT COST/STRESS CONTACT US VIA Call/Text +1(646)820-1981 WhatsApp: +19292227023 Email drbenjaminfinance@gmail.com
    Loan Company Website: https://capitalmanage-inc.com/

    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? ®Capital Managements Inc™ is the solution to your financial misfortune. We offer all types of loan ranging from $5,000.00 to $533,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Kindly reduce your payments to ease the strain on your monthly expenses by Contacting us on the following WhatsApp:+19292227023 Email drbenjaminfinance@gmail.com

    Loan Offer Alert For Everyone! Are you financially down and you need an urgent credit/financial assistance? Or are you in need of a loan to start-up/increase your business or buy your dream house. GET YOUR INSTANT LOAN APPROVAL 100% GUARANTEED TODAY NO MATTER YOUR CREDIT SCORE. drbenjaminfinance@gmail.com
    Capital Managements Inc Website: https://capitalmanage-inc.com/

    ReplyDelete
  74. We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 48 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million. We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today to get your instant loan approval. Email ambitiousassociatess@gmail.com
    Whats App +918586964289

    ReplyDelete
  75. Are you searching for a very genuine loan at an affordable interest rate of 3% process and approved within 4 working days? Have you been turned down Constantly by your Banks and other financial institutions because of bad credit? Loans ranging from $3000 USD to $20, 000, 000 USD maximum LOANS for Developing business a competitive edge / business expansion. We are certified, trustworthy, reliable, efficient, Fast and dynamic for real estate and any kinds of business financing. Contact us for more details and information.
    Thanks & Regard

    Ronnie Finance Ltd
    Contact us ronniefinancehome247@gmail.com
    apply@ronniefinance.ltd
    http://ronniefinance.ltd/fastloan
    whatsapp +91 9311856893
    Dr. Mark Thomas

    ReplyDelete
  76. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad credit in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (501) 214‑1395

    NEED A LOAN?
    Ask Me.

    ReplyDelete
  77. ( IFSCapitalloan@gmail.com ) OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS ( IFSCapital@post.com )

    Do You Need A Loan To Consolidate Your Debt At 1%? IF YES Contact Us @ Via Email: ( RMPCapitals@gmail.com ) RMPCapitals@usa.com Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Via Email: ( RMPCapitals@usa.com ) RMPCapitals@gmail.com

    Please Fill the Application Form Below: -
    Complete Name: -
    Loan amount needed: -
    Loan Duration: -
    Purpose of loan: -
    City / Country: -
    Telephone: -
    Name Of The Site You/Link Hear About Us:

    ( IFSCapitalLoan@gmail.com ) OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS ( IFSCapital@post.com )

    Do You Need A Loan To Consolidate Your Debt At 1%? SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Via Email: ( SuiteCapitals@post.com ) SuiteCapitals@gmail.com

    ( IFSCapitalloan@gmail.com ) OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS ( IFSCapital@post.com )

    ( CYSCredits@Asia.com ) CYSCredits@Post.com Is Offering Global Fund Program, Where Loans Are Offered To Interested Clients Globally To Fund Profitable Business And Projects. Contact Us For More Information Via Email: ( CYSCredits@Asia.com ) CYSCredits@Post.com

    ( IFSCapitalloan@gmail.com ) OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS ( IFSCapital@post.com )

    ValidusCapital@techie.com Are The Solution To Your Financial Problem, ValidusCapital@execs.com Has Set Itself The Mission Of Promoting Short, Medium And Long-Term Loan Financing And Borrow Flexibly! Our Program Are Financial Institutions To Fund Private Capital, Private Equity, Project Funding, Real Estate, Business & Entertainment Funding, Venture Capital, Hedge Funds, And Others. Contact Us For More Information Via Email: ValidusCapital@execs.com ( ValidusCapital@techie.com )

    ( IFSCapitalloan@gmail.com ) OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS ( IFSCapital@post.com )

    If You Are Seeking A Loan For The Development Of Expansion Of Your Business, Innovative Products, Processes Or Even Technical Services; ( IFSCapitalloan@gmail.com ) IFSCapital@post.com Has Professional Finance Programs That Will Provide You With The Chance To Gain A Competitive Edge Over The Competition And Pave The Way For The Positive Growth Of Your Company. Interested Parties Should Contact Us For More Information Through Email: IFSCapitalloan@gmail.com ( IFSCapital@post.com )

    ReplyDelete
  78. wafaahack@gmail.com    or whatsApp: +32460224954, is a professional hacking team, We are professional ,we get your work done in less than 24 hours. We provide the following services and more;
    * HACK INTO WHATSAPP, FACEBOOK, EMAIL BOX, INSTAGRAM, TEXT MESSAGES ETC.
    * RECOVER YOUR MONEY FROM ANY KIND OF SCAMMERS.
    * FREE BITCOIN LOADING AND PAYPAL LOADING, WE SHARE ON %.
    * MOBILE PHONE MONITOR/HACK.
    * HACK AND CHANGE UNIVERSITY GRADES
    * HACK INTO ANY BANK WEBSITE AND DO MONEY TRANSFER.
    * HACK INTO ANY COMPANY WEBSITE.
    * HACK INTO ANY GOVERNMENT AGENCY WEBSITE.
    * HACK INTO ANY DATABASE SYSTEM AND GRANT YOU ADMIN PRIVILEGES.
    * HACK PAYPAL ACCOUNT.
    * HACK WORDPRESS BLOGS.
    * SERVER CRASHED HACK.
    * Untraceable IP and so much more....
    * We can restore LOST FILES AND DOCUMENTS , no matter how long they have been missing.
    NOTE:
    If you refer a client to us as a result of the previous job done for you, you will stand a chance of getting any job of your choice hacked for you free of charge.
    We can also teach you how to do the following with our ebook and online tutorials
    * Hack and use Credit Card to shop online.
    * Monitor any phone and email address.
    * Hack Android & iPhones.
    * Tap into anybody’s call and monitor their conversation.
    * Email and Text message interception.

    For more information contact us at     wafaahack@gmail.com    or whatsApp: +32460224954

    ReplyDelete