• 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

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  • 11:30

    TV prodaja

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  • 11:45

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  • 14:00

    Sportikos, sportska emisija (R)

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  • 15:00

    Budnica, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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    Vukovarska kronika, mozaična emisija (R)

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  • 17:30

    Akademska četvrt, mozaični program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 20-04-2021.

  • 19:00

    City music, glazbena emisija

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  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 20-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 20-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

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  • 22:30

    TV Replika, kontakt emisija (R)

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  • 23:30

    Kraj programa

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  • 09:45

    TV prodaja

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  • 10:00

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  • 10:30

    Zdrava jabuka, sponzorirani program

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  • 11:45

    Sportikos, sportska emisija (R)

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  • 12:45

    U dobroj formi, magazin

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  • 13:15

    Kultura 21, magazin

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  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 14:25

    TV prodaja

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  • 14:40

    Glazbeni program

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  • 14:55

    Naš (g)rad, informativna emisija (R)

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  • 15:55

    Vijesti, informativna emisija

    Srijeda, 21-04-2021.

  • 16:00

    TV Replika, kontakt emisija

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  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Karte na stol, talk show

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  • 21:00

    Osijek pita, informativna emisija

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  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

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  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 21-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

    Četvrtak, 22-04-2021.

  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 10:30

    Glazbeni program

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  • 11:30

    Kultura 21, magazin

    Četvrtak, 22-04-2021.

  • 12:00

    TV prodaja

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  • 12:20

    U dobroj formi, magazin

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  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 14:00

    LifeStyle TV, magazin

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  • 14:55

    Karte na stol, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 22-04-2021.

  • 16:00

    TV Replika, kontakt emisija

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  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 22-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 22-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 22-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 22-04-2021.

  • 20:00

    Budnica, talk show

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  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 22-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 00:30

    Kraj programa

    Petak, 23-04-2021.

  • 09:30

    Glazbeni program

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  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:20

    Glazbeni program

    Petak, 23-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

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  • 12:00

    Kultura 21, magazin (R)

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  • 12:30

    Glazbeni program

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  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 23-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 23-04-2021.

  • 14:30

    TV prodaja

    Petak, 23-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

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  • 15:55

    Vijesti, informativna emisija

    Petak, 23-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 23-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 23-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 23-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 23-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 23-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 23-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 23-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 23-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

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  • 23:00

    Kratki rezovi, emisija o filmu (R)

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  • 00:00

    Kraj programa

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  • 09:45

    TV prodaja

    Subota, 24-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    TV prodaja

    Subota, 24-04-2021.

  • 10:45

    LifeStyle, magazin

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  • 11:45

    TV Koktel, moziačna emisija (R)

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  • 12:45

    Kako se snimao film, dokumentarna reportaža

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  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

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  • 13:30

    Zdrava jabuka, sponzorirani program (R)

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  • 14:30

    Budnica, talk show (R)

    Subota, 24-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 24-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 24-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 24-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 24-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 24-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 24-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 24-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 24-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Subota, 24-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Subota, 24-04-2021.

  • 00:00

    Kraj programa

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  • 09:15

    Mamre, vjerski program (R)

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  • 09:30

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  • 10:30

    Dnevnik, informativna emisija (R)

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  • 11:00

    Zdrava jabuka, sponzorirani program

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  • 12:00

    To smo mi, putopisna reportaža (R)

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  • 12:30

    Svirajte mi tamburaši, glazbena emisija

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  • 13:00

    Budnica, talk show (R)

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  • 14:00

    Kratki rezovi, emisija o filmu (R)

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  • 14:30

    Zlato ravnice, poljopriverdna emisija

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  • 15:00

    Zdrava jabuka, sponzorirani program

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  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

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  • 17:40

    Mamre, vjerski program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Glazbeni program

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  • 19:00

    TV Koktel, moziačna emisija (R)

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  • 20:00

    Impuls razvoja, emisija o gospodarstvu

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 23:55

    Kraj programa

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Loans for One-man Shop with Minimal Credit Rating

If you are self-employed, things such as applying for that loan could be more challenging than these are typically for workers. Banking institutions along with other old-fashioned loan providers love the certainty of the employment contract that is stable. Whenever you do not have that, they generate you leap through far more hoops.

It may be also harder to locate loans for small enterprises and people that are self-employed bad credit. But let’s maybe not go fully into the information on just exactly how or why you may get refused, why don’t we examine the method that you could easily get authorized.

How can you use?

Being a self-employed person, you want additional documents to show that one can spend the money for loan. Loan providers frequently ask for a few mixture of the immediate following:

  • 2 yrs of tax statements, including Schedule C (business profit/loss declaration) and Schedule SE (self-employment taxation) kinds
  • Bank statements, if you should be trying to get a guaranteed home loan or business loan that is small
  • Your credit rating
  • Your debt-to-income ratio, or DTI

If you possibly could offer several many years of tax statements showing constant income from your company, your loan provider might be less likely to want to ask for the credit history or DTI. Having said that, if you are searching designed for loans for self-employed individuals with bad credit, you might do have more trouble.

What do lenders think about become credit that is bad?

Loan providers often assess your credit with the FICO scoring system, which gathers information on your borrowing history and prices it on a scale of 300 to 850. The bigger your rating, the less danger you pose to loan providers.

Theoretically, there isn’t any rubric for determining whether a credit history is “good” or “bad.” FICO makes it into the loan provider to find out exactly how risk that is much’re prepared to tolerate in a debtor. Generally speaking, however, this is one way it frequently stops working:

In the event your score is with in the” that is“bad, you are not alone. FICO states that 20 % of borrowers have actually credit ratings under 600, and another ten percent is within the 600 to 650 category. Needless to say, if you are self-employed as well as your bad credit is maintaining you against getting that loan, these percentages may be little convenience.

Loans when it comes to self-employed with bad credit

Big banks are less likely to want to just simply just take the opportunity on some one with bad credit, but there are many loan providers out there that may. Listed below are just a couple of examples.

Credit unions

Credit unions are regional nonprofits that provide monetary solutions to people. Every one limits its account one way or another as section of its charter, many are broad sufficient that everybody whom lives or works in a particular area is welcome.

Because credit unions occur to provide their users rather than to create a revenue, their financing needs are usually more lenient. They appear at your complete monetary image and not merely your credit history and bank stability, so you have an opportunity to make an incident yourself.

In case your rating is low, credit unions will most likely nevertheless need you to spend a greater interest, because they need to replace with the danger. As well as getting that loan could require the union to conduct a difficult credit check, which can make your score fall further.

Peer-to-peer loan providers

The same as Uber changed how you call a taxi and Airbnb changed how you reserve travel, online peer-to-peer loan providers are developing a brand new paradigm in financing. Rather than working through a huge bank or financial institution, you apply online and match having a individual investor.

Peer-to-peer financing, also referred to as P2P, is commonly less expensive than old-fashioned borrowing since you’re maybe maybe perhaps not spending a business’s overhead charges. The applying procedure is commonly easier and you also might find more choices for some body with less-than-perfect credit.

As with every loan, nonetheless, you will spend more in interest if the credit is bad. Combined with the reasonably high loan origination costs you will check over here probably spend, this will make peer-to-peer financing less affordable.

Payday advances

Payday advances are fabled for being simple to get when you have bad credit. They do not demand a credit score – in reality, they truly are often called “no credit check loans.” Rather, you compose a check when it comes to lent amount along with a charge therefore the lender cashes it if the time comes to settle.

They are designed to be short-term solutions, mainly simply because they come with a high interest levels. Lenders communicate these prices as costs, and that means you never constantly discover how much you are agreeing to pay for.

For example, you might to borrow $200 having a $40 cost and be prepared to repay it inside a fortnight. But just what you are really signing in concerning is a percentage that is annual (APR) more than 500 %, plus it will keep collecting. If you fail to manage to spend quickly, it is possible to wind up owing so much more than you borrowed.

Additionally, if the lender cashes your repayment check and there’sn’t sufficient in your bank account, you can wind up with overdraft charges and now have difficulty loans that are getting the long run.

Offer and remain: A safer selection for home owners

In the event that you have your house, you’ve probably considered a mortgage or house equity personal credit line. Both are of help choices for people, however they’re perhaps not frequently friendly to individuals with bad credit.

Offering your house is another method to ensure you get your equity, but going is costly and making your house has a myriad of psychological luggage connected.

That is why EasyKnock developed Sell and remain. It really is a program that is unique allows you to offer your home and stay in spot being a tenant, spending lease and soon you’re prepared to either move or repurchase the home. You certainly do not need good credit or tax statements, together with application is simple.

In 2 mins, you could discover away if Sell and remain is a choice for your needs. Do not invest a later date stressing the manner in which youare going to pay the bills and boost your credit check that is Sell and remain now.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development