What do you need to do to get a loan with Loan and what are the most advantageous options to get it?
Today’s guide will help you understand how to get the perfect loan for your needs thanks to this group.
Here are all the steps you will need to follow to get the loan for you with Loan Yes!
How to get a loan
Getting a loan can help solve some small problems or make dreams come true. Loan It allows you to find the best loan option for your needs.
One of the things to point out right away is that the group does not allow you to apply for the loan online, but it does provide other options, such as personal loan and loan with salary-backed loan.
If you want to calculate the installment and know the expense first, just make a quote online by entering your details in the appropriate form, the amount you need and the number of installments. The quote is free and not binding on the loan.
The online quote helps you get an idea about the cost and cost of the installments. Remember that if the repayment months increase, the installment goes down, but the interest goes up. Paying attention to the duration of the payment of the installments helps to avoid wasting money on interest.
If you need to know all the features of a Loan Loan We recommend that you make an appointment at a branch with a representative to avoid surprises.
The necessary guarantees
There are mandatory guarantees to be provided to the bank or credit institutions to obtain the loan, these guarantees are the same even for those who are on the list of bad payers or for those who have been previously protested. The guarantees to be provided also to Loan are:
- The guarantee of a third party : the third party must be able to act as a guarantee and guarantee for the applicant. A parent, friend or relative can be guarantors. The guarantor could become the person in charge of the loan instead of the applicant;
- The pension : this is a solid guarantee, but the duration and the number of installments can change depending on the age of the applicant;
- The pay slip : it helps to have advantageous rates and to obtain a loan quickly;
- The salary- backed salary : a very solid guarantee that in some cases helps even those who have been protested or is on the bad payer list to borrow money. With the transfer of the fifth the sum to be paid monthly will be withheld from salary or pension. Thanks to the sale there are advantageous rates and repayment plans in ten years.
What do you need to get the money?
To obtain a loan with a loan it is necessary to provide the bank:
- A valid identity document;
- The pension, the pay slip or the last tax return (valid only for self-employed workers).
Who has been protested and who is on the list of bad payers is obliged to provide the bank with the same documents. No other documents must be brought to the bank. Moreover, the institution or bank to which the loan is requested will be taken care of.
Time to get the loan
Generally the loan request is processed in a few days, if you decide to apply for a loan in the branch you will be a person in charge to indicate what is the time to get a loan directly on the account.
Waiting times and interest payable may change depending on the case and the amount requested.
How much interest do you have to pay?
If you need to know the interest rate you are going to pay for your loan application you can easily use the online quote. If you prefer you can ask for a quote even in a branch.
The quote is not binding and is also free. The estimate helps to know the amount of the TAN and the APR. The TAN is the interest rate, the APR is the synthetic total cost of the loan which indicates the cost of the commissions to be paid for your loan application.
Before requesting a loan it is always advisable to check the TAN and the APR to find out which ones are the most convenient. With a quick and simple search before applying for a loan, you can even save money on interest.
And the subjects protested?
We cannot assure ourselves that the banks will allow you to borrow money if you have been protested or if you are on the list of bad payers. Only by asking a person in charge of a branch it is possible to know whether the loan will be granted or not.
The person in charge and the bank will analyze the situation and decide whether to proceed with the loan request. Do you need a tip? The salary-back assignment generally acts as a guarantee too if you are on the bad payers list or have been protested.
Recourse to the fifth assignment helps to have the loan, to obtain advantageous rates and even repayment plans of up to 10 years. Loan We have created a loan option reserved for those who decide to give the fifth assignment as a guarantee.
Loans for temporary workers
Are you a temporary worker and do you need a loan? Do you think it is not possible to get it because of your term contract? Even with a loan, you can get the money you need, but you will have to give guarantees in addition to the standard ones.
To get the loan from temporary workers it is absolutely necessary that the number of installments to be paid to repay the requested loan, does not in any way exceed the months of contract that remain.
The other conditions to be met for the loan request are the same for both temporary and fixed-term workers. Therefore it is not necessary to add other guarantees besides those mentioned.