Requesting a loan is always a great help because it allows you to be able to buy or pay for everything that would not be possible without financing because of the lack of liquidity.
Loans are therefore valid allies that make it possible to achieve large and small dreams , desires and needs by returning the required sum in comfortable monthly installments.
If the loans can help us, why not take advantage of it? We tell you: often many people are afraid or have great doubts because over the years rumors have spread to them.
Today’s purpose is to clarify these false myths, to eliminate all fears and suspicions and to make you enjoy this financial solution peacefully when you need it.
In this article we will answer the most frequently asked questions of our contacts and customers.
- 1 If you request a loan, you must repay the doubled amount
- 2 If you do not have at least one property, you are not granted a loan
- 3 If you do not have a guarantor, they will not grant you the loan
- 4 If you already have a loan in progress, you cannot request another one
- 5 If you have delayed the payment of even one installment, they will never grant you any more loans
If you request a loan, you must repay the doubled amount
This is one of the doubts that most affects those who contact us. Who hasn’t heard from a friend or relative about paying attention to loans because if you request it then you have to repay the amount doubled or even tripled?
This is a mistaken belief that some still believe and sows panic. We remind you that interest rates are regulated by the Bank of Italy and, above the threshold of those rates, we talk about usury rates.
Just pay attention to get loans at very low interest rates . The sale of the fifth , for example, is the cheapest loan among all and our rates are even lower than those proposed by other financial institutions.
If you do not have at least one property, you will not be granted a loan
This is also a common place. It is possible to apply for loans, mortgages and salary-backed loans even without possessing property to be mortgaged.
Often the salary is more than sufficient as a guarantee, as in the case of the assignment of the fifth of the salary and of the assignment of the fifth of the pension .
If you do not have a guarantor, they will not grant you financing
If you have a salary that is already a guarantee, why should you also have a guarantor? The guarantor is necessary only if there are not sufficient guarantees to reassure the bank regarding the repayment of the loan.
If you are unemployed it is obvious that the financial institution requires guarantees, but if you are an employee it is not necessary to have a guarantor , especially if you request a salary assignment where the salary is already a guarantee.
If you already have a loan in progress, you cannot request another one
If you already have one or more loans in progress, you can request another one. If you have an assignment of the fifth in place you can request a loan with delegation , that is you can increase the amount of the assignment of the fifth.
If you have more loans in progress you can request a debt consolidation , ie pay off all current loans and pay a single monthly installment, increasing the duration of the loan and decreasing the amount to be paid monthly.
If you have delayed the payment of even one installment, they will never grant you any more loans
If you have delayed the payment of one or more installments of a loan or if you have had financial problems, it is not true that you can no longer request funding.
The data in the Crif database has a precise and indefinite duration of storage. If you are in a hurry and do not want to wait any longer, you can request a salary or pension transfer , which can also be obtained by those with financial problems.