personal loan” />More and more often credit consumers need to apply for a personal loan that can meet a need for financial need to implement a project (buy a car, home furnishings, training course, etc.) or simply to cope with a debt or a need for immediate liquidity.
To request a convenient personal loan, it is a good idea to contact a bank or a credit intermediation company that operates in an independent world and is capable of satisfying all customer credit requirements at 360 degrees.
How to apply for a personal loan?
In order to present the request for a personal loan, it is necessary to have certain personal, income and creditworthiness requisites that may vary according to the credit subject addressed.
Asking for a loan is not a complex practice, but it still requires the execution of a series of steps as it is a procedure defined by a series of precise steps.
personal loan” />To assess and verify creditworthiness, it is necessary to present the documentation to be attached to the application. It is necessary to present an identity document, the tax code and a copy of any other financing in progress.
Further income documentation is requested with the aim of identifying the employment and income status of the applicant: payroll and CUD for employees hired with a contract of employment (permanent and / or determined), last declaration of income (self-employed) and coupon pension for pensioners.
Reimbursement and Rescission of the loan contract
Once the loan is concluded, each individual must be able to repay the loan installments on time.
In the event that the failure occurs, in addition to the risk that the customer is reported on the Black List of bad payers, the creditor can exercise the right of unilateral termination of the contract, charging the customer all the expenses necessary to recover credit more a penalty.
How to calculate the amortization plan?
personal loan” />To calculate and personalize your repayment plan, you can use a calculation tool or a quotation tool made available on the main comparison sites of loans, insurance, mortgages, etc.
The estimator or simulator allows to calculate the amount of the installment, the Tan, the Taeg and the duration of the amortization plan that can be revised according to customer needs.
The idea of turning to a professional of credit mediation, like the consultants of Auxilia Finance , means being able to find the best opportunities for personal loans at the best conditions.