The Amazing Jyväskylä!

The Amazing Jyväskylä!
Me at the harbor of Jyväskylä

15 April, 2015

Residence Permit Application to Finland!

Okay, this blog should be catered to real needs for currently urgent matters concerning studying in University of Jyväskylä. So, I guess it’s time for some information about boring paperwork. 

First, my hearty congratulations to all candidates who have received offers to study Master’s Degree at University of Jyväskylä! Your hard work has finally paid off. Allow yourself to celebrate a little bit. Some alcohol might be involved but don’t go overboard though because … brace yourself … tons of paperwork awaiting! 

Now, for those who are EU citizens, you have nothing to worry about, celebrate, have some fun and pack your bags to come here in August or September. 

For those who are not EU citizens and need to obtain a residence permit to come and stay here in Finland. You have a long and whining road waiting for you ahead. 

Well, but what’d life be without some struggles, right? It’d be too boring to bear. I know the pain all too well, so I’ll try to walk you through it. 

This is 100% from my own experiences, like any other information I've shared with you on this blog. I know that I sound like a broken record repeating this in many of my entries. I just need to make sure that you all understand that the information I share applies differently to each individual. Even if you ask another Vietnamese student, she/he might give you a different take on it. This should only act as your guide so you'll be alerted about what might be expected or unexpected. 

Alright … applications for a residence permit might be different from country to country, from individual to individual; it is the best to consult with the Finnish embassy nearest to your place. However, there is some key information that you need to focus on. 

Go to the website of Finnish Immigration Service to read the general introductions.




You’ll find the general process illustrated like this:




Then, go to the website of the Finnish embassy nearest to your place, read carefully the specific instructions for students applying for residence permits in that particular country/region. These should not be too different from the general requirements. 

Generally, the required documents are: 
- OLE_OPI application form (you can download it from here)
- An acceptance letter sent from University of Jyväskylä (1)
- A certificate of health insurance (2)
- A clarification of income (3)

(1) This will be sent to you by post together with the official package from the university. However, if you anticipate that you should apply for your residence permit quite early in order to obtain it before having to arrive in Finland for your study on time, you might ask for a scanned copy of your acceptance letter. I cannot assure you 100% that the embassy you go to will accept the scanned copy but in my case (in Vietnam), they accepted it. You can ask for this scanned copy from the person who sent you the email informing you about your being accepted into the program. 

(2) Several students have asked me to recommend a health insurance company for them; I do think this very much depends on your personal preferences. However, I’ll list here for you some companies that I have used and I know that other international students here have used as well, only for your reference, I take no accountability for this, alright?! You can purchase all of these online. 
Atlas Health Insurance 
SwissCare
SIP

(3) With the clarification of income, remember that the most important thing is that you have to prove you will have access to this amount of money when you are in Finland. This means that it is the best if the account is under your name and not your parents' or guardian's. The number is 6720 euros/one year. You need to understand that the reason you are asked to provide this proof is to make sure that you can make it through the year without financial struggles. Please do not take this for granted and think of tricks to get past the process. I myself know people who thought they could easily find a job within the first few months they are here so they had managed to provide the income proof but did not come here with enough money. As I said in this entry about employment in Jyväskylä, it is very hard to find a job that can pay for all of your expenses here. So please, do come prepared. 

Also, it is absolutely fine to use your local bank account for this, don’t even be bothered with opening a Finnish bank account from abroad, it ain’t gonna happen, my friends! 

There are two options for you when it comes to submitting the application: in person or online. However, it doesn't matter which method you choose, you still have to go to the embassy in person for your fingerprints to be scanned there. Rumor is that if you apply online though, the process might be faster, which I can’t guarantee you because I have no data and information on this.  

If you apply in person, you might have to make an appointment by calling the embassy or sending them emails. I did both; when I called them, they told me to better send them an email instead. Be patient! You might be ticked off quite a lot while communicating with the local staff at the embassy. I know I was. And I have been told that this is not just in the embassy in Vietnam. I understand that they have to answer a lot of phone calls and deal with a lot of people every day so they could be cranky sometimes. But isn’t it their jobs? If they don’t like their job and can’t possibly handle it without getting all nasty with those who ask questions, they might just as well quit it. Anyway, this varies though. I’ve also heard stories about very nice embassy staff though I’ve never encountered them myself. 

DO NOT CALL AND SEND THE EMBASSY OR IMMIGRATION SERVICE EMAIL EVERY FEW DAYS TO ASK IF YOUR RESIDENCE PERMIT IS READY. YOU WILL NOT GET ANY ANSWERS. 

Ladies and gentlemen, if you've done everything right, the residence permit will come to you (in post to your house or at the embassy for you to pick up) in 2-3 weeks from the day of submission (if you apply in person) or the day you provide finger prints at the embassy. I applied in person and got mine exactly after 3 weeks. Finland is very efficient in this business. So, don’t worry too much about it. Just make sure everything is done properly in your application. Double check it, triple check it or check it as many times as necessary to make sure there are no mistakes on the application. Many student have done it, you can do it too! 

Alright, good luck to you all and I wish you a smooth residence permit application process! 

The most beautiful Autumn in the world is waiting for you in Jyväskylä in August, see you all very soon!!!


Yes, this photo was taken in Jyväskylä, during autumn 2014! 



84 comments:

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    ReplyDelete
  32. Private Lender Bentex Funding Group Ltd.
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    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
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    We would be happy to fund and invest with you in any profitable
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    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
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    ReplyDelete
  36. 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
  37. 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
  38. Invest with 200$ and get a returns of 5,000$ within seven business working days.
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    ReplyDelete
  39. Mi nombre es Yanira Evie, una madre soltera, antes de que mi esposo muriera dejándonos con una gran deuda, estaba tan confundida y frustrada sobre cómo pagar la enorme deuda. Un día, cuando estaba en línea, encontré un testimonio de (Porter troxell) sobre cómo ZACK WILLINGTON lo ayudó con un préstamo. Entonces solicité un préstamo de € 85,000 EURO con una duración de 5 años de la Compañía a través de su correo (zackwillingtonloanfirm@gmail.com) Cuando solicité el préstamo, voté a DIOS que si obtengo el préstamo lo haré Para mi gran sorpresa, que el mundo sepa lo que hizo por mí, en menos de 48 horas mi préstamo fue otorgado con una tasa de interés del 2%. Ahora he pagado la deuda de mi esposo y comienzo una nueva vida y mi propio negocio. Acabo de recibir mi voto. Entonces, si desea cualquier tipo de préstamo por solo el 2%, comuníquese con ZACK WILLINGTON LOAN COMPANY LTD en su correo electrónico zackwillingtonloanfirm@gmail.com

    ReplyDelete
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    ReplyDelete

  41. Are you in financial crisis, looking for money to start your own business or to pay your bills? I got mine from Him. My blank ATM card can withdraw € 2,000 daily. I got it from Her last week and now I have €14,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on . *email: int.hackers002@gmail.com

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    ReplyDelete
  42. CAPITAL LOANS LLC
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    ReplyDelete
  43. Hi everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

    ReplyDelete
  44. Good day everyone,
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    ReplyDelete

  45. Hey Guys!!! I got my ATM blank card from Certified Hackers from ITALY. My blank ATM card can withdraw $1,000 to $150,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from ITALY that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a month now and everything seems like magic because I've enough for me & my 2 kids. Thanks to MAJOR SUCCOUR from ITALY that mailed the card to me within 72 hours, get in touch with this hacker to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: dr_williamthomas78@mail.com

    ReplyDelete
  46. Good day,

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    ReplyDelete
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    ReplyDelete
  48. Hi, My name is Petra Laabs and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Albert Gonzalez. He is really good at what he is doing, back to the point, I made inquiry about The blank ATM Card. If it works or even Exist. They told me yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts, then i decide to give it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to €8000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to €42,000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability, blank Atm has really change my life if you want to contact them, Here is the email address: cyberhacker01477@gmail.com or WhatsApp +48732104354

    ReplyDelete
  49. I am so happy I got my loan from Mrs Kayla Abubaker now my life is back to normal, and my business is going smoothly thanks be to Mrs Kayla Abubaker you can also contact him if you need a loan today? Email him via: ( financierlibertycapitals@gmail.com )

    ReplyDelete
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  51. Hi everyone, I saw comments from people who had already got Blank ATM Cards from Mike Fisher. Honestly I thought it was a scam, and then I decided to make a request based on their recommendations. A few days ago, I confirmed in my door step to have received my blank card to withdraw 12,000 euros, which I requested for business. This is really good news and I am so happy that I advise all those who need a real HACKER should contact him and who are sure to reimburse to apply through their email (text or call) +1 315-329-6320 There are sincere Hackers
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    ReplyDelete
  52. Goodday everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

    ReplyDelete
  53. Hi everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

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  54. My name is Micheal James from france, I contacted Mrs Carroll Walker Company for a business loan amount of $40,000. 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 Mrs. Carroll Walker Company via email: Contact him through the email . infoloanfirm8@gmail.com

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    ReplyDelete
  57. MAKE MONEY WITHOUT STRESS....
    I'm free from financial stress and struggle, with the use of the new programmed blank ATM card hacking card i just withdraw $17,000 right now thanks to hacker James for helping get out of financial oppression.. Contact Hacker via email : hackerjames011@gmail.com or WhatsApp+2348160597113

    ReplyDelete
  58. Good day everyone, i am so glade coming back to this great forum to testify about the help i received from Carrol Walker. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Carrol Walker assisted with a loan, then i decided to contact him on his email{infoloanfirm8@gmail.com}, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Carrol Walker on his email: {infoloanfirm8@gmail.com}

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  59. Hello, Are you looking for a real loan? I have good news for you! We offer loans from 3000 € to 100.000.000 € at 2% interest rate per year. We offer credit for business development, personal loans, car loans, etc., We are certified, trustworthy, reliable, efficient, fast and dynamic, If interested, contact us today at (lapofunding960@gmail.com WHATSAPP +1 (254) 354-4300








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    ReplyDelete
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  61. Instead of getting a loan, I got my already programmed blank ATM card to withdraw a maximum of $5,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $50,000. Mr Mike is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other people pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from him i fully recommend him. Just send him an email on (blankatm002@gmail.com ) whatsapp us Contact us today for more enlightenment +1(765) 705-0044

    ReplyDelete
  62. Halo semuanya! Bantu saya berterima kasih kepada Bunda Esther

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    ReplyDelete
  63. Hello viewers all over the world, There is good news for you all today get your Blank ATM card that works in all ATM machines all over the world. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We give out this cards to all interested clients worldwide, We give out THE Blank ATM Card. Do you want to live a good life thought its illegal, its the easiest way to be a millionaire. it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000 Dollars in a day on ATM Machine also avaialbel at cash delivery. We give up to $10,000.00 to $1,000,000.00 Dollars With our network hacking services. We can Recover all your lost money to Bitcoin and other Crypto currency, mortgage/realestate scams and fake ICOs within 48 hours or less. (Thomas Freddie Hackers) working together as a team to track down & to recover funds back from the most difficult internet SCAMMERS. NOTE!! We've received countless heartbreaking reports of notorious scammers and we’ve successful recovery them back via contact thomasunlimitedhackers@gmail.com

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  65. Assalamualaikum
    Saya membawa kabar baik kepada Anda semua warga negara Indonesia di platform ini, Tuhan telah sepenuhnya setia kepada saya dan seluruh rumah saya telah bertahan sejak Mei 2019, kesaksian saya dan kabar baik saya berjalan seperti ini, Nama saya Kartin Kiba dari Jl.P .Biak 9 No. 230 Rt.007 Rw.018 Desa Arenjaya, Jakarta Timur, Kota Bekasi, Jawa Barat, saya adalah seorang pemasar di perusahaan tempat saya bekerja, Suami saya dan saya ingin menggunakan platform ini untuk menginformasikan semua ini. Platform ini membutuhkan dan mencari pinjaman yang tulus untuk berhati-hati karena internet dan blog penuh dengan perusahaan pinjaman palsu dan penipuan yang hanya ada di sini untuk merobek uang hasil jerih payah Anda.

    Suami saya dan saya memiliki hutang besar dan kami memutuskan untuk mencari pinjaman online untuk melunasi hutang kami dan kami menghubungi perusahaan pinjaman dari Singapura yang pada bulan Desember 2018, dan kami ditipu oleh pemilik perusahaan dengan meminta kami untuk membayar banyak biaya yang kami bayar dan pada akhirnya kami tidak mendapatkan pinjaman, kami kehilangan sekitar Rp7.500.000 untuk perusahaan pinjaman palsu di Singapura karena kami mengajukan pinjaman sebesar Rp450.000.000,00 dan dengan semua biaya yang kami bayarkan kami lakukan tidak mendapatkan pinjaman dan suami saya dan saya sangat Frustrasi dan saya dipecat dari pekerjaan saya di perusahaan tempat saya bekerja karena saya juga mengambil pinjaman dari perusahaan tempat saya bekerja dan kami bangkrut dan muak dengan kehidupan.

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  67. Saya Suryanto dari Indonesia di Kota Palu, saya mencurahkan waktu saya di sini karena janji yang saya berikan kepada LADY ESTHER PATRICK yang kebetulan adalah Tuhan yang mengirim pemberi pinjaman online dan saya berdoa kepada TUHAN untuk dapat melihat posisi saya hari ini.

    Beberapa bulan yang lalu saya melihat komentar yang diposting oleh seorang wanita bernama Nurul Yudianto dan bagaimana dia telah scammed meminta pinjaman online, menurut dia sebelum ALLAH mengarahkannya ke tangan Mrs. ESTHER PATRICK. (ESTHERPATRICK83@GMAIL.COM)

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  70. Halo semuanya, saya Rika Nadia, saat ini tinggal orang Indonesia dan saya warga negara, saya tinggal di JL. Baru II Gg. Jaman Keb. Lama Utara RT.004 RW.002 No. 26. Saya ingin menggunakan media ini untuk memberikan saran nyata kepada semua warga negara Indonesia yang mencari pinjaman online untuk berhati-hati karena internet penuh dengan penipuan, kadang-kadang saya benar-benar membutuhkan pinjaman , karena keuangan saya buruk. statusnya tidak begitu baik dan saya sangat ingin mendapatkan pinjaman, jadi saya jatuh ke tangan pemberi pinjaman palsu, dari Nigeria dan Singapura dan Ghana. Saya hampir mati, sampai seorang teman saya bernama EWITA YUDA (ewitayuda1@gmail.com) memberi tahu saya tentang pemberi pinjaman yang sangat andal bernama Ny. ESTHER PATRICK Manajer cabang dari Access loan Firm, Dia adalah pemberi pinjaman global; yang saya hubungi dan dia meminjamkan saya pinjaman Rp600.000.000 dalam waktu kurang dari 12 jam dengan tingkat bunga 2% dan itu mengubah kehidupan seluruh keluarga saya.

    Saya menerima pinjaman saya di rekening bank saya setelah Nyonya. LADY ESTHER telah mentransfer pinjaman kepada saya, ketika saya memeriksa saldo rekening bank saya dan menemukan bahwa jumlah Rp600.000.000 yang saya terapkan telah dikreditkan ke rekening bank saya. dan saya punya buktinya dengan saya, karena saya masih terkejut, emailnya adalah (ESTHERPATRICK83@GMAIL.COM)

    Jadi untuk pekerjaan yang baik, LADY ESTHER telah melakukannya dalam hidup saya dan keluarga saya, saya memutuskan untuk memberi tahu dan membagikan kesaksian saya tentang LADY ESTHER, sehingga orang-orang dari negara saya dan kota saya dapat memperoleh pinjaman dengan mudah tanpa stres. Jadi, jika Anda memerlukan pinjaman, hubungi LADY ESTHER melalui email: (estherpatrick83@gmail.com) silakan hubungi LADY ESTHER Dia tidak tahu bahwa saya melakukan ini tetapi saya sangat senang sekarang dan saya memutuskan untuk memberi tahu orang lain tentang dia, Dia menawarkan semua jenis pinjaman baik untuk perorangan maupun perusahaan dan juga saya ingin Tuhan memberkati dia lebih banyak,

    Anda juga dapat menghubungi saya di email saya: (rikanadia6@gmail.com). Sekarang, saya adalah pemilik bangga seorang wanita bisnis yang baik dan besar di kota saya, Semoga Tuhan Yang Mahakuasa terus memberkati LADY ESTHER atas pekerjaannya yang baik dalam hidup dan keluarga saya.
    Tolong lakukan dengan baik untuk meminta saya untuk rincian lebih lanjut tentang Ibu dan saya akan menginstruksikan, dan ada bukti pinjaman, hubungi LADY ESTHER melalui email: (estherpatrick83@gmail.com) Terima kasih semua

    ReplyDelete
  71. Halo semuanya! Bantu saya berterima kasih kepada Bunda Esther

    Saya Widodo saya tinggal di Medan di Indonesia, saya telah mencari pinjaman selama beberapa tahun. Saya 6 kali menjadi korban penipuan dengan pemberi pinjaman palsu yang telah menghancurkan hidup saya, saya memang mencoba bunuh diri karena mereka. Karena saya punya hutang dan tagihan yang harus dibayar. Saya pikir ini sudah berakhir untuk saya, saya tidak lagi memiliki perasaan hidup. Saya hampir menyerah, tidak sampai saya mencari saran dari teman SISKA WIBOWO (siskawibowo71@gmail.com) yang kemudian mengarahkan saya ke pemberi pinjaman yang sangat andal, Ny. ESTHER PATRICK yang meminjamkan pinjaman tanpa jaminan sebesar 150 juta Rupiah dalam waktu kurang dari 24 jam tanpa tekanan atau tekanan pada tingkat bunga lebih rendah dari 2%. (estherpatrick83@gmail.com)

    Saya sangat terkejut ketika saya memeriksa rekening bank saya dan menemukan bahwa jumlah pinjaman yang saya terapkan langsung ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan, karena saya berjanji akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman dengan mudah tanpa stres . silakan hubungi ibu sekarang estherpatrick83@gmail.com

    Dan saya tahu sebagian besar dari Anda juga telah menjadi korban penipuan, Anda tidak perlu repot lagi karena saya harus menyampaikan kabar baik dan satu-satunya pemberi pinjaman yang dapat Anda percayai, Jadi saya tidak dapat menyimpan ini untuk diri saya sendiri sehingga saya harus mulai dengan membagikan kesaksian tentang mengubah hidup ini bahwa Anda dapat menghubungi saya melalui email (widodocepi@gmail.com) Ny. Esther Patrick Saya selamanya Bersyukur atas Segala yang telah Anda lakukan untuk saya.

    ReplyDelete
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  73. Halo semuanya, saya ingin segera menggunakan media ini untuk membagikan kesaksian saya tentang bagaimana ALLAH mengarahkan saya kepada pemberi pinjaman sejati yang benar-benar mengubah hidup saya dari kemiskinan menjadi wanita kaya dan sekarang saya memiliki hidup yang sehat tanpa stres dan kesulitan keuangan,

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    Saya mengajukan pinjaman (Rp780 juta) dengan suku bunga rendah 2%, sekitar beberapa menit kemudian, saya mendapat tanggapan darinya dan mulai. Pinjaman tersebut disetujui tanpa tekanan dan semua persiapan darinya dilakukan dengan transfer kredit, karena tidak memerlukan agunan untuk transfer tersebut. Dalam peminjaman, saya hanya diberitahu untuk mendapatkan sertifikat perjanjian lisensi mereka untuk mentransfer kredit saya dan dalam waktu kurang dari 4 jam uang itu disimpan ke rekening bank saya.

    Saya pikir itu mimpi sampai saya mendapat notifikasi dari bank saya bahwa rekening saya telah dikreditkan dengan jumlah Rp 780 juta. Saya sangat senang akhirnya ALLAH menjawab doa saya dengan menginstruksikan pemberi pinjaman saya dengan kredit nyata, yang dapat memberikan keinginan hati saya.

    Terima kasih banyak kepada Helen Wilson karena membuat hidup saya adil. Saya menyarankan siapa pun yang tertarik untuk mendapatkan pinjaman online untuk berhati-hati terhadap penipu pinjaman karena ada banyak di internet. Jika ada yang membutuhkan pinjaman, hubungi Nyonya Helen Wilson melalui E-mail (helenwilson719@gmail.com) ATAU melalui whatsApp: WA: +1-585-326-2165. untuk informasi lebih lanjut tentang cara mendapatkan pinjaman Anda,

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    Terima kasih untuk kalian semua.

    ReplyDelete
  74. Assalamualaikum
    Saya membawa kabar baik kepada Anda semua warga negara Indonesia di platform ini, Tuhan telah sepenuhnya setia kepada saya dan seluruh rumah saya telah bertahan sejak Mei 2019, kesaksian saya dan kabar baik saya berjalan seperti ini, Nama saya Kartin Kiba dari Jl.P .Biak 9 No. 230 Rt.007 Rw.018 Desa Arenjaya, Jakarta Timur, Kota Bekasi, Jawa Barat, saya adalah seorang pemasar di perusahaan tempat saya bekerja, Suami saya dan saya ingin menggunakan platform ini untuk menginformasikan semua ini. Platform ini membutuhkan dan mencari pinjaman yang tulus untuk berhati-hati karena internet dan blog penuh dengan perusahaan pinjaman palsu dan penipuan yang hanya ada di sini untuk merobek uang hasil jerih payah Anda.

    Suami saya dan saya memiliki hutang besar dan kami memutuskan untuk mencari pinjaman online untuk melunasi hutang kami dan kami menghubungi perusahaan pinjaman dari Singapura yang pada bulan Desember 2018, dan kami ditipu oleh pemilik perusahaan dengan meminta kami untuk membayar banyak biaya yang kami bayar dan pada akhirnya kami tidak mendapatkan pinjaman, kami kehilangan sekitar Rp7.500.000 untuk perusahaan pinjaman palsu di Singapura karena kami mengajukan pinjaman sebesar Rp450.000.000,00 dan dengan semua biaya yang kami bayarkan kami lakukan tidak mendapatkan pinjaman dan suami saya dan saya sangat Frustrasi dan saya dipecat dari pekerjaan saya di perusahaan tempat saya bekerja karena saya juga mengambil pinjaman dari perusahaan tempat saya bekerja dan kami bangkrut dan muak dengan kehidupan.

    Jadi Tuhan itu baik, kami berdoa dan Tuhan mengarahkan kami ke seorang pelayan dan pada hari yang setia ini 20 Mei 2019, saya menjelajah internet ketika saya bisa menemukan kesaksian seorang wanita Indonesia dengan nama Yohanes Hendra Who dari Kota Bandung, bagaimana Tuhan mengubah kehidupan keuangannya melalui perusahaan pinjaman. Dia meminta saya untuk menghubungi ibu Helen dan dia memperkenalkan saya kepada ibu Helen dan dia memberi saya keberanian dan saya mengajukan pinjaman dari ibu dan ibu Helen, Helen akhirnya membantu saya mendapatkan pinjaman. di perusahaan dan saya mendapat jumlah persis yang saya ajukan dan saya sangat senang.

    Saya juga ingin menggunakan kesempatan ini untuk memberi tahu rekan-rekan saya bahwa jika Anda membutuhkan pinjaman asli yang asli dan ingin mendapatkan pinjaman cepat dengan tingkat bunga 2%, cukup mendaftar melalui Ny. Helen Wilson melalui email: (helenwilson719@gmail.com) atau Whatsapp: +1-585-326-2165. Anda juga dapat menghubungi saya melalui email ini, (kartinkiba72@gmail.com). untuk informasi lebih lanjut.

    ALLAH memberkati kalian semua!
    Terima kasih.

    ReplyDelete
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  79. Assalamualaikum
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    Kemudian, saya memutuskan untuk menghubungi Yeyes Ristintares dan saya menceritakan kisah saya kepadanya tentang bagaimana saya kehilangan 24 juta dari pemberi pinjaman yang buruk. Saya masih ingat dengan jelas bagaimana dia memberi tahu saya bahwa semua pencarian saya untuk pemberi pinjaman yang andal sudah berakhir. Dia mengirimi saya emailnya dan saya mengiriminya email untuk memastikan karena saya tidak ingin kehilangan uang lagi. dia membalas saya dan mengatakan saya harus menghubungi perincian perusahaan tempat Ny. Helen Wilson bekerja dan saya akan menerima pinjaman saya tanpa penundaan dan saya harus mencoba untuk membagikan kabar baik saya sehingga orang lain selamat dari pemberi pinjaman yang buruk.

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    Setelah saya menghubungi perusahaan pinjaman, saya diminta untuk menyerahkan segala sesuatu yang diminta dari saya sebagai peminjam dan setelah beberapa saat, pinjaman itu disetujui untuk saya dan saya menerima pinjaman saya tanpa penundaan atau segala bentuk tekanan.
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  80. HARI BAIK UNTUK SEMUA!

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    Saya sangat bahagia dan kaya lagi dan saya bersyukur kepada Tuhan bahwa perusahaan pinjaman seperti ini masih ada selama penipuan ini di mana-mana, tolong beri tahu semua orang di luar sana yang membutuhkan Pinjaman untuk mengunjungi Email mereka ( mariaalexander818@gmail.com  ) mereka tidak akan pernah gagal,
    Dan hidup Anda akan berubah seperti yang saya lakukan, Jadi segera hubungi ( mariaalexander818@gmail.com
    ) hari ini dan dapatkan pinjaman Anda dari mereka, Tuhan memberkati perusahaan pemberi pinjaman pinjaman Anda untuk tawaran pinjaman asli mereka. Pastikan Anda menghubungi Peminjam untuk pinjaman Anda karena saya berhasil mendapatkan pinjaman saya dari perusahaan ini tanpa tekanan apapun.


    MANAJER CABANG: MARIA ALEXANDER
    EMAIL: mariaalexander818@gmail.com
    NOMOR HUBUNGI:+1 254-276-8402
    WHATSAPP: +1 254-276-8402


    Silakan Anda juga dapat menghubungi saya untuk informasi apa pun melalui email saya: (amishachahaya8@gmail.com)

    Terima kasih semua karena Anda mendengarkan kesaksian saya
    Semoga ALLAH MEMBERKATI KALIAN SEMUA.

    ReplyDelete
  81. Halo semuanya, tolong, saya ingin segera menggunakan media ini untuk membagikan kesaksian saya tentang bagaimana Tuhan mengarahkan saya kepada pemberi pinjaman kredit yang benar-benar mengubah hidup saya dari kemiskinan menjadi wanita kaya dan sekarang saya memiliki hidup yang sehat tanpa stres dan kesulitan keuangan,


    Setelah berbulan-bulan mencoba mendapatkan pinjaman di internet dan saya telah ditipu dari 400 juta saya menjadi sangat putus asa dalam mendapatkan pinjaman dari pemberi pinjaman online yang sah secara kredit dan tidak akan menambah rasa sakit saya, jadi saya memutuskan untuk beralih ke teman saya untuk meminta saran tentang cara mendapatkan pinjaman online, kami membicarakannya dan kesimpulannya adalah tentang seorang wanita bernama Ibu Maria yang merupakan CEO Maria Loan. Perusahaan


    Saya mengajukan pinjaman dengan jumlah (900 juta) dengan tingkat bunga rendah 2%, sehingga pinjaman yang disetujui mudah tanpa stres dan semua persiapan dilakukan dengan transfer kredit, karena tidak memerlukan jaminan untuk transfer pinjaman, saya hanya diberitahu untuk mendapatkan sertifikat perjanjian lisensi mereka untuk mentransfer kredit saya dan dalam waktu kurang dari dua jam uang pinjaman telah disetorkan ke rekening bank saya.


    Saya pikir itu lelucon sampai saya menerima telepon dari bank saya bahwa akun saya telah dikreditkan dengan jumlah 900 juta. Saya sangat senang akhirnya Tuhan menjawab doa-doa saya dengan memerintahkan pemberi pinjaman saya dengan kredit saya yang sebenarnya, yang dapat memberikan keinginan hati saya.


    Terima kasih banyak kepada Ibu Maria karena membuat hidup saya adil, jadi saya menyarankan siapa pun yang tertarik untuk mendapatkan pinjaman untuk menghubungi Ibu Maria baik melalui E-mail ( mariaalexander818@gmail.com ) ATAU whatsapp: +1 (254) 276 -8402. untuk informasi lebih lanjut tentang cara mendapatkan pinjaman Anda,

    E-mail ( mariaalexander818@gmail.com ) ATAU whatsapp: +1 (254) 276-8402.


    Jadi, terima kasih banyak telah meluangkan waktu Anda untuk membaca tentang kesuksesan saya dan saya berdoa agar Tuhan melakukan kehendak-Nya dalam hidup Anda. Nama saya kabu lay, anda dapat menghubungi saya untuk referensi lebih lanjut melalui email saya: ( kabulayu18@gmail.com)

    Terima kasih semua.

    ReplyDelete
  82. Selamat Siang Semuanya!!!

    Nama saya Mr Rashid Husaen dan saya dari Jawa Barat, indonesia dan saya berbicara sebagai salah satu orang paling bahagia di dunia hari ini dan saya berkata pada diri sendiri bahwa pemberi pinjaman menyelamatkan keluarga saya dari situasi buruk kami, saya akan memberitahu namanya kepada dunia dan saya sangat senang untuk mengatakan bahwa keluarga saya kembali selamanya karena saya membutuhkan pinjaman sebesar Rp300.000.000,00 untuk memulai hidup saya sejak saya adalah seorang ayah tunggal dengan 5 anak dan dunia sepertinya mengandalkan saya ketika saya mencoba untuk mendapatkan pinjaman Dari bank dan bank online menolak pinjaman saya, mereka mengatakan bahwa pendapatan saya rendah dan saya tidak memiliki jaminan untuk pinjaman jadi saya online dan segalanya menjadi lebih sulit karena mereka merobek uang saya dari saya dengan janji manis untuk membantu saya


    Sampai saya melihat postingan ibu nyonya maria dari sebuah blog dan saya memohon padanya, dia memberi saya semua syarat dan ketentuan dan saya setuju dan dia mengejutkan saya dengan pinjaman yang mengubah hidup saya dan keluarga saya, dan pada awalnya saya berpikir ini tidak mungkin karena pengalaman masa lalu saya dan janji-janji palsu tetapi yang mengejutkan saya, saya menerima pinjaman saya sebesar Rp300.000.000,00 dan saya akan menyarankan siapa pun yang benar-benar membutuhkan pinjaman untuk menghubungi Nyonya Maria Alexander wanita kata-katanya, melalui email : ( mariaalexander818@gmail.com ) karena mereka adalah pemberi pinjaman yang paling pengertian dan baik hati. siapa saja yang ingin pinjaman atau cara mendapatkan pinjaman asli, harus menghubunginya Via

    email: ( mariaalexander818@gmail.com )
    whatsapp: (+1 254-276-8402 )

    Anda dapat menghubungi saya Pak Rashid untuk informasi lebih lanjut (rashidhusaen18@gmail.com)

    Allah Maha Besar
    Terima kasih semuanya

    ReplyDelete