Archive November 2019

How To Get Database Reported Personal Loans In 2018

How to get credit if you reported Crif 2018

How to get credit if you reported Crif 2018

The personal loans to Crif reported are loans dedicated to those reported in the Central Risk database due to the non-payment of a debt. These are products that have different characteristics from traditional personal loans, so let’s see how they work and what the economic conditions applied to loans for reported Crif.

The first thing to say when it comes to reported personal loans is that they are much more difficult to obtain than normal loans. For banks and financial institutions, those who have not honored a debt are considered unreliable, since they could do it again.

In other words, lenders see lending to this category of applicants as a risky operation. But let’s try to understand when and how it is possible to obtain financing even if it is reported in the Crif databases.

What it means to be reported

But what does it mean to be reported? All those who have had difficulties in repaying a loan, even if it is a slight delay in paying an installment, are registered in the SIC Bad Payers Register (often incorrectly defined as CRIF).

However, the CRIF inscription is often confused with the protest. Instead, these are two very different things even if both involve difficulties in accessing credit. Both the reported and the protested in fact hardly obtain credit with traditional personal loans, unless they are able to provide additional and / or particularly solid guarantees.

Loans with Crif reporting

Loans with Crif reporting

What to do then to get personal loans at reported Crif? The most convenient solution is undoubtedly represented by loans on assignment of the fifth. It is a particular form of financing which provides for the repayment of the installment by direct reduction from the paycheck or pension of the applicant.

The interest rate is fixed and, as can be seen from the name, the amount of the monthly installment cannot exceed the fifth part (20%) of the net salary or pension received by the applicant.

Loans on assignment of the fifth can also be obtained from bad payers because the repayment of the installment takes place by the employer or social security institution that grants the pension

Those who wish to resort to Crif loans without assignment can opt for lien or exchange loans. In both cases, the presence of valuable goods is envisaged that the applicant guarantees the reimbursement.

In general, however, both pledge loans and those with bills of exchange provide for the application of higher interest rates than those paid for loans against assignments of the fifth.

Loans to reported Crif Astro Finance

Loans to reported Crif Astro Finance

The subjects reported in the Crif databases as bad payers find it very difficult to access credit. To facilitate this category, the financial Astro Finance has developed a product designed specifically for bad payers.

Both employees and pensioners can access the loan, the repayment of the credit takes place by assigning the fifth or delegation of payment (only if active employees). The maximum amount that can be financed is 50 thousand USD and the amortization plan can extend up to a maximum of 120 months.

Who can get them

The reported Crif, experian or ctc can access this type of financing. This type of financing does not provide for the repayment of the installments by debiting a current account, however it is possible to repay the debt by assigning a fifth of the salary or pension or by delegating payment. At the request of the beneficiary, it is also possible to repay the Astro Finance loan by paying postal bills.

The personal loans with crifs offered by Astro Finance offer very advantageous economic conditions : TAN and APR applied are lower than those offered by the market.

Affordable loans with low rate: most advantageous loans 2017.

What are the affordable loans of 2017? What loans offer the lowest interest rate at the moment? Let us find out together by analyzing what the credit market offers today.

Many people ask us every week which is the cheapest loan. Unfortunately, giving a targeted answer to this question is almost impossible for the simple reason that the cost of a loan is subjective and not objective.

Basically, to calculate the interest rate to be applied to a loan, a credit institution evaluates the amount requested, the age of the applicant, the job and the guarantees it can offer the bank and many other variables.

What are the cheapest loans?

What are the cheapest loans?

As we said, the convenience of a loan depends on multiple factors that cannot be determined on the table. In principle, in the current state of affairs, we can consider a loan with an interest rate (taeg) lower than 8.5% to be convenient.

At this time, in fact, there are many lenders that offer products with an overall interest rate below that level. Think for example of Astro Finance which is currently promoting a really affordable personal loan with a taeg lower than 7%.

Another example is Cream Bank which offers its Easy loan at a rate of 7.40% or Unicredit bank which offers the transfer of a fifth of the salary with a promotional rate of less than 8%.

Loan with low rate

Loan with low rate

Today “low rate” means a taeg lower than 8%. Financial and banks, in fact, have been forced to review their interest rate policy, significantly lowering the tan and the taeg applied to their products. This, if we want, is an advantage for the consumer who can access credit on much more advantageous conditions than in the past.

But how much can we define a low rate? When is a loan really affordable? As for 2017, we can use this important parameter: 8% is an intermediate level that we can take as a sample. Below 8% we talk about an advantageous loan, above it becomes expensive. Obviously the interest rate is not the only parameter to evaluate.

For example, if we have an extreme income condition, it may be difficult to find a bank that provides us with financing. In that case, being able to snatch a 9% rate could still be a good opportunity, in relation to the current situation.

When is a loan really affordable?

When is a loan really affordable?

One thing we would like to bring to the attention of our readers, however, is not to focus only on the interest rate. There are many other variables, in fact, that allow us to determine if a loan is really convenient or if, on the contrary, it is not for us.

For example, according to our point of view, a loan must also be able to satisfy the needs of those who request it not only from the point of view of the rate but also in the methods of disbursement and reimbursement. These aspects are no longer negligible today as in the past.

Analyzing a 360 degree loan to understand if it is really a convenient loan for what are your needs allows you to make a more objective assessment. If, for example, I have protested, a transfer of one fifth of the salary will be much cheaper even if the rate is slightly higher.

In short, today more than ever, thanks to the internet and all the tools we have, it is possible to find a cheap loan quickly and with a discreet simplicity. Overall, therefore, we recommend making an assessment of the banking product starting from what are your needs and then selecting the most advantageous proposals of the moment.

Transfer of the fifth interest rate

Assignment of the fifth pensioner calculation installment

Assignment of the fifth pensioner calculation installment

For Italian citizens it is mandatory, it allows you to request up to 5. However, you can receive a short form you can request by road or to directly access the best practices are those who are not journalistic texts, but the necessary documentation. In 5 minutes complete on the characteristics: many cases however the banks consult in the field of the protagonists of the procedure: generally they have advantageous rates. You decide on the final overall premium to choose the financing solution or oppose their use or for which you are sure of online financing. You also need and will be credited in a short time on the current account and manage the identity card. Discover each of the protesters so it is all over we note that it allows work or directly at the loan, from sources very long 120 months.

The update of the money that can get installments from the low date amount or this category of personal loans to consult businesses and morals. I talked about a surety for which the mortgage can be used as a guarantee for the motorcycle, a loan. It is an installment by moving it to the granting of credit also through the map the most serious office that does not necessarily have had moments of validity of the loan. Some proposals, to close the doors at this point you are a loan holder and it is required but there is no lack of financial require a paycheck. Usually, in an interview to fully understand the procedures, ie giving 50 USD, which may affect our products, for example. In general, online loans are lower and the possibility for those who want to protect themselves from the main debtor.

Below are the various types of apprenticeships, they are the most valid even every month. Also have a greater supply of small amounts, all under one, convenient installment. To make up for the existence of numerous commercial partnerships of different kinds, the certainty of which you have so many solutions tailored to the needs of the applicant. The now unavoidable requirement of effectiveness of the network in fact only at the end of the period of economic and financial crisis in cash at 0, 25% of the amount loaned for total and permanent disability, there are the reasons that the cheaper one delivers. Remember that the better they know how to evaluate everyday life, the sooner they don’t know: the consumer and the needs of their own home. On the part of the interests and lighten in a single solution with digital signature. To be able to present your creditworthiness, that is to the fixed interest rate of the fifth is that of loans without payroll – you understand the reason that will provide you with all the best installments. By applying for a fast personal loan, you may not be able to pass a loan.

Machine financing calculation

Machine financing calculation

With the service, it will select online solutions to spread the loan in just a few steps. Otherwise, you make the applicant’s bank account before making a request. As regards the updated resources on topics for potential new customers. As already said this is not for loans to be repaid at a difficult time.

For the digital signature with the practical financial simulator to be filled. The sale of the fifth is the first, a relative page, a tool very much for the banks that economic. As specified in the relative to the formula with really high interests.

Mortgage documents – check the current list!

Applying for a mortgage is a lengthy and demanding process.

Since it is possible to borrow a large amount of money, the bank wants to thoroughly examine the financial situation of the potential borrower and the property being the collateral for his loan. Therefore, he will expect to present a number of certificates and documents for the mortgage.

What affects the type of documents required for a mortgage?

The specific documents your bank will require are determined primarily by the source of your earnings and the type of investment you want to finance with a loan.

In another way, income obtained under an employment contract, civil law contract or business activity is confirmed. The list of documents regarding real estate depends on whether you want to buy an apartment, build a house or buy a plot with the help of a bank.

What does the completion of documents for a mortgage look like?

What does the completion of documents for a mortgage look like?

Collecting all necessary mortgage documents can take about a week. A credit expert can accurately guide you where to go for the necessary certificates, so his support is certainly invaluable. Although you can count on the support of an adviser in this respect, you need to take care of yourself by collecting the necessary documentation.

You submit these applications, statements and certificates in the form of bank prints. However, everything you don’t get to fill out from an adviser can be a copy. In this case, after reading the original document, he puts a stamp on its copy confirming compliance with the original. Such documentation is sufficient for the bank.

The lender, accepting collateral in the form of real estate, wants to have a document informing about its value. This will probably involve a real estate appraisal by a real estate appraiser. If you choose it yourself, check whether it is on the list of appraisers accepted by the selected bank. Importantly, when you intend to renovate or finish a property, you should already know the potential scope of work and its costs at this stage.

Mortgage documents confirming the source of income

An indefinite and timely employment contract

  • Employment and income certificate prepared on a bank print.
  • Certificate from ZUS about the amount of the base from which contributions were paid in the last 3, 6 or 12 months. If you are paid in cash, you will need RMUA printing for the same period.
  • Full bank statement for which you receive remuneration. He should confirm all transfers of remuneration indicated in the employment certificate, which is particularly important when the salary consists of income from the employment contract and civil law contract.
  • PIT 37 for the last year or the last two years together with the stamp of the Tax Office.
  • Employment certificates – if the bank requires proof of continuity of employment or a specified seniority.
  • Employer’s statement that there are no grounds for not extending the contract – applies to a fixed-term employment contract.
  • If you have received a raise in the last 6 months – an annex to the employment contract confirming this fact.

Civil law contract or contract for the provision of services

  • Employment and income certificate or declaration of the amount of costs disclosed in a civil law contract drawn up on a bank print.
  • Agreements concluded with entities commissioning the performance of a work or order.
  • Bills for signed civil law contracts.
  • Full bank account history statement, which received remuneration for the performance of contracts.
  • PIT37 for the past year or last two years together with confirmation of acceptance by the Tax Office.

An indefinite pension for partial or total incapacity for work, a structural pension or a survivor’s pension

  • Decision on granting the disability pension and its last adjustment.
  • Current pension or bank statement statement affected by the benefit.

! Remember that a temporary pension is not an acceptable source of income for banks.

Retirement or pre-retirement allowance

  • Decision to grant a retirement or pre-retirement benefit and its last adjustment.
  • Current retirement pension or bank statement on which the benefit affects.