Unfortunately, today we find ourselves asking for loans, unfortunately, to meet daily and family needs.

But sometimes you are forced to ask for a loan as a bad payer. Let’s see what a bad payer loan means, or who would be a bad payer and what kind of loan it might require.

In practice, a bad payer is the one who has not paid any installments or has paid them with delays or frequent requests from banks. Therefore the bad payer will be reported to the Crif (Central Credit Risk Information) so that other credit institutions can learn the condition of the subject and the way to pay their debts and therefore will assess whether or not to accept the request for credit.

Many credit institutions, currently, have responded positively to frequent requests for credit from individuals with economic and family problems who have found themselves to be irregular or insolvent towards other banks, as the exclusion of this category of people would lead to a serious financial loss of the banks. Therefore these banks have had to adapt to this new economic reality and grant loans to those who have been insolvent in the past. Of course, credit institutions must safeguard themselves and do so by asking for a higher interest rate or different guarantees.

To access a loan, even a bad payer, as with any other type of loan, must have a guarantor or a subject that “guarantees” in case of insolvency. Having a guarantor is certainly the best solution because this way you can get the best loans at a lower rate of interest.

If, on the other hand, you do not want to resort to the institution of the “guarantor”, you can always resort to the possibility of mortgaging a real property or received as inheritance that has a value equal to or greater than the capital you have requested. The bank will therefore evaluate the granting of the loan by virtue of the fact that, in the event of insolvency, it will have free access to these other types of guarantees.

The bad payer can access different types of loans such as the loan, the loan and the guarantee.

• The loan changed is to sign monthly bills for a maximum duration of 120 months. Through the return of these bills you pay the debt with the bank.
• The proxy loan, also called double fifth, consists in the transfer of part of the salary to the payment of the loan installment.
• The guaranty, on the other hand, is only the presence, when a loan is requested from a credit institution, of a third person acting as guarantor or guarantor.

Personal loans are defined as those forms of financing that allow an individual to obtain money for the most varied spending needs.

Such as the purchase of a property or the renovation of the house, the financing of a holiday, the purchase of furniture or household appliances. , of car or motorbike, the payment of medical expenses, the consolidation of previous debts and, again, the need for additional liquidity.

For this reason, personal loans, which fall under the category of consumer credit, are called “non-finalized loans” or “without obligation of destination”, thus distinguishing themselves from the finalized loans that are instead bound to the purchase of a specific good or service. However, at the time of the request, the grantor can ask the client to specify the reason why he needs the money, as well as an estimate of the expenses he intends to face: the conditions applied to this type of loan change according to the purpose of the loan and indicating the correct purpose the customer can access the most convenient rates for their spending needs.

The debt contracted with the bank or financial institution that grants the loan will then be reimbursed by the customer by a predetermined date, by paying installments (more or less adaptable to their current economic situation) generally on a monthly basis and with fixed interest rates or variables.

The requirements for obtaining funding obviously vary depending on the financial institution to which you are addressing but, normally, you need to be aged between 18 and 70 years (but there are also funding for over 75) and have a “Reimbursement capacity” that takes into account all the additional monthly expenses of the customer and that can be demonstrated through the presentation of the payroll if the customer is a salaried employee, the tax return if self-employed or retirement pension if retired.

The request for funding can, of course, be rejected if the “repayment capacity” is not sufficient or the client has suffered protests in the past, but there are still numerous financial institutions willing to grant money to the so-called “bad payers”. Funding may be requested materially from financial institutions or, as is increasingly the case, by opening an online application.

I need a loan ! This is the scenario of more than one today.

In addition, this dilemma can be cause of anguish for those who are going through some type of financial emergency. In order to solve this pressing situation, We offer an alternative.

Obstacles when I need a loan

When going to a bank to apply for a loan, it is certain that they will go to verify the financial status. In case someone says “I need a loan “, you may feel that you are a candidate to be rejected. And it is not surprising, since banks use this system as protection.

Now, do not be embarrassed to say: I need a loan. Sometimes, those who are in this file of defaulters are as a result of being insolvent in some services. This does not mean that they are not reliable people, but that they go through a bad economic streak.

Even knowing this, many people feel worried when they say ” I need a loan “. However, there is a solution for those who are need urgent financing.

Help when I need a loan

We has lenders who help those who say I need a loan . The providers of this company do not need to know the destination of the credit and do not take into account that it is delinquent.

So, if the situation exists ” I need a loan”, what can be done? We provides a list of the different loans you can access. On the other hand, the client can be sure that he will receive what he needs and will be able to solve his immediate need.

So that someone who says I need a loan receives their credit, you just have to meet some requirements. The first and most important, present a guarantee to the lender. This must be in the form of housing or business premises, which must not have a mortgage greater than 30%.

It may seem like a scam for someone to lend money even if the person is on a delinquency list. However, We takes into account the needs of those who say I need a loan .

As a We, I trust clients even when they say I need a loan , they have certain demands. For example, the interest rate they charge is a little higher than those offered by banks. These rates can reach 13%. However, the credit facilities offset these interest rates.

I need a loan!

Saying I need a loan will no longer be a problem. With We there is a solution to fast and secure financing. In two ways you can contact this company. For example, by calling or by filling out the online form . The providers of this company are active 24 hours a day, to solve financial problems.

Request online loan now!

Do you have to renovate your home? Do you want to buy a new car? Do you need liquidity for your children’s university? Or simply do you have to furnish your home?

Whatever the reason for the need for your loan, try to apply for an online loan . You will see that it is an operation that is easy to manage, convenient, and transparent. If you’re not computer, get help from a practical relative of the web.

Requesting an online loan means : calculating the monthly payment and the related interest rate, defining the repayment plan and above all choosing the exact amount to be requested as a loan, given your financial availability.

Finally you can get an easy and clear financing , you can finally make the journey you have long desired, support the medical expenses that you need for your teeth, give the organization of the wedding to your child.

To choose the best online loan , evaluate the different offers and do not dwell only on that of the bank where you have a current account; be careful not to exceed the installment of 30% of your salary to avoid the risk of future insolvency; check rates and read the conditions for granting the loan. So read all the conditions well, to avoid bad surprises. Many offers, oblige you to open a current account with them under unfavorable conditions or to open an insurance policy. So read well!

If the amount you wish to borrow, exceed € 15,000, remember that you need a guarantor; you will need a guarantor even if you have been hired for a short time, you have a low income, you have an income not too high and already engaged with other financial, a precarious employment contract or similar.
The guarantor, to be a guarantor, must not have ongoing financing; must have a relationship with you; must not have past payments delays and, obviously, must have a good monthly income.

Follow these tips, and you’ll see that you’ll get your loan online at advantageous conditions, and without problems.

If you have a loan in progress which you are repaying and yet you realize that you have the liquidity necessary to pay it off in advance.

Know that it is an entirely possible practice of early extinction , provided that a number of essential requirements are met.

In fact, by paying the remaining part of the loan in a single payment, you will also have to pay an early termination penalty , which is compulsory and is established when the loan is drawn up, but which in any case can not by law be higher than 1 % of the residual loan to be repaid. The reason for the penalty lies in a sort of compensation for the loan for the lack of interest.

Therefore, it is not always necessary to pay off the loan in advance. In the repayment of the installments, in fact, the principal to be repaid is taken into account in the majority interest before interest and in a minority share. It follows that the first installments are largely composed of interests. This is why it becomes expedient to pay off a loan in advance only when we are still at the beginning of the loan , thus allowing us to save considerably in terms of interest despite the penalty.

The same principle also applies to loans received by assignment of the fifth salary, which can also be repaid at any time with a penalty that can not exceed 1% of the residual capital. In this case, however, the costs relating to stamp duty and preliminary investigation will be lost.

The early repayment can therefore take place in order to settle the loan in advance of the time provided by the financial institution or the bank to which it has been entrusted. The remaining part will therefore be calculated in a single super-rate with residual interest recalculated also on the basis of the amount due.

To request early repayment it is advisable to send a registered letter to the loan financial institution asking for it, better still to go personally to the office to discuss it.

We will therefore have to know the details necessary to pay the remaining amount in a single bank transfer and will also be able to ask the Finance Department for a release that certifies that the loan has been settled early : in this way you will have no problem demonstrating to anyone that you need more funding in place.

The advantage of early extinction is all about getting rid of a monthly “burden” on your expenses, which you can allocate to other projects. Total interests will also be lower. The convenience to do so, as mentioned above, will also depend on when you want to proceed with the closing of the loan with respect to the stipulation date.

Unsecured loans are also known as commercial loans.

You do not know what it is? Do not worry, now you will discover it …

What are they?

And they correspond to credit operations with a short and medium term that can be granted to a person or a legal firm that agrees to return the sums requested together with the agreed interest through the signature of a document called promissory note .

Concept

This type of loans does not have any type of guarantee besides the signed commitment of payment and is basically used to solve very specific and urgent needs in professional or work activities.

A promissory note is what is used in this type of financial transactions. This is a document that entails the declaration of obligations in which the subscribing party (which is the debtor part).

It is obliged to pay the beneficiary party (the party with which the debt is contracted) a specific amount granted as a loan within a period of time agreed between both parties.

The term promissory note arises from a statement with which the document begins: “I owe and I will pay”.

Although the terms established for the return of money are variable , they are usually set in attention to the operations that are carried out within the business activity process or in the field of professional activity that exercises the potential debtor.

The operations of the activity involve the business process from the stage of production of the goods or services until the final delivery in the hands of the consumer.

But it can also be taken into account that the final consumer does not have to be a person but an end, for example, a dressmaker can request a loan for the purchase of some fabrics in order to make garments that will then be distributed to a store for its commercialization.

What is really taken into account is that the production period is not long because if this is the case, the credit is not granted. Therefore it is important that the credit conditions are clear in the documents to be signed.

Loans unsecured requirements

To access a loan of these characteristics you have to be ( Affiliate, retired or pensioner ).

A payment term corresponds to the amount of time that is granted to a person for the return of the amounts he has requested as a loan . To make clear the types of term it is good to keep in mind what these terms refer to in the field of economics:

• The Short Term : refers to a period of time that can not be longer than one month. In some circumstances, some entities consider the short term within the range of 0 to 6 months.
• The Medium Term : this type of term extends from a month to a year approximately. Some financial entities propose medium-term periods between 6 months and 1 year, depending on the interests established.
• The Long term : long terms involve periods of time exceeding one year for which they are long-term terms. In some cases the long term involves 2 or 3 years or more.

Although this information can be used as a reference, it must be borne in mind that these ranges are variable and that in some cases when companies start activities, short-term credits can be granted with pay periods of up to 5 years.

This is due to the fact that many financial institutions provide advantages to new entrepreneurs or entrepreneurs and thus guarantee the establishment of the business activity and its solidification for the return of the amounts requested as a loan.

Are you thinking about taking out a loan ? Keep reading, this interests you.

In general, people tend to go to banks and financial institutions with a view to obtaining a loan to finance the purchase of goods or services of all kinds, but not only these types of companies can grant financing in cash loans .

Requirements for loans

To apply for a loan you have the option to buy appliances and furniture or make a loan in cash . For the latter, the following is required:

1. Have a seniority of at least 13 months as a customer and have been responsible for payments in previous loans.
2. Buy and pay life insurance for one year.

To meet these requirements you can go to and present your customer number in conjunction with your fingerprint.

The amount to be granted in the loan is ‘s decision once you study your economic profile that involves your salary, your management of your account and other aspects of consideration by .

How do loans work?

This type of loans are very advantageous because they are very easy to request , they do not present obstacles of any kind and their demands tend to be in tune with the economic possibilities of the entire population.

1. This type of loans also allows you to buy products within the same store and enjoy the offers and discounts for all the clientele.
2. Among the benefits inherent to the granting of cash loans at the store are:
3. Obtaining an extension of the warranty for two additional years, of the white goods offered by the store.
4. You also have a bonus in the shipment of any furniture purchased within the store without requiring any additional payment.
5. In addition, a visual examination is offered for your clients as well as for any member of the family , without any extra charge.

Interest on loans

Through , they offer their clients financing to make small payments for the purchase of any of their products, although their interests tend to be very high.

So … Go now to formalize your request …