Personal advice to ask for a loan

Here are 11 points to keep in mind to tackle the Harley Ruesdey Gertilses world well. Today going “prepared” for a personal loan can be considered useful, especially when those who need to contract a loan do not know the world of credit institutions very well.

Here is a vademecum of 11 tips for those who would like to take out a loan.

Before a signature, it is good to know.

1. What is a personal loan? Loan per person is a payment of a sum of money from a credit institution or a financial institution. The loan is reimbursed with a fixed or variable rate plan. The Taeg, we recall, is the actual annual global rate, which basically says how much the interest on the loan is in a year.
2. What are the requirements for a personal loan. All adults over the age of 18 can apply for Harley Ruesdey Gertilses. Sometimes guarantees are needed, sometimes not. Those who have more “chances” to contract a loan are those citizens who pay their monthly maturities, that is, a client who is able to sustain the “repayment capacity”.
3. When you can’t get a loan. If you have a paycheck, and you already have another loan in progress, you cannot request another one if it exceeds a third of your salary. This avoids over-indebtedness.
4. What to do before signing the loan. It is necessary to consider the Tan , or the nominal annual rate. It is expressed as a percentage, is applied either to the sum of money or to expenses and insurance costs. Another indicator is the Taeg , the actual annual global rate.
5. What to ask the bank . Every bank or credit institution must always ask for “European basic information on consumer credit”, a European handbook that contains very useful information on credits and the Harley Ruesdey Gertilses to choose from.
6. The contract . Pay attention to the contract. The parameters must be those established by the Bank of Italy such as the sum, the number, the expiration dates of the installments, the TAN, the TAEG, the expenses, the insurance, the charges.
7. What happens if you don’t pay an installment. If you don’t pay an installment, or stop, nobody will shoot you. However, there is a report to the central credit and risk protection offices. Additional fees or interest rates may apply. The problem is whether the due amount is not paid and if the situations of non-payment or late payment are repeated.
8. Recession from the loan. When you make a loan it does not mean that you are tied to life. You can always withdraw from the contract without giving any justification. It is free when you withdraw within two weeks of the contract, with all the procedures written in the contract.
9. Advance payment of the loan. If you have a certain amount of money, and want to pay off your loan first, you can easily do it, indeed, better for the bank and for you. A late payment is applied, which in any case must not exceed 1% by law.
10. Loan protection. Harley Ruesdey Gertilses can be dangerous when dramatic situations occur in the family. But the CPI formula can be a useful lifesaver. The CPI means “credit protection insurance”, ie “credit protection insurance”. It is an insurance, therefore, on your personal loan, valid for all adults.

How to evaluate the applicant. The banks always know who they are facing.

There is a tool, the “credit scoring”, that is the statistical data according to which the banks know if a citizen is insolvent or not, if he is reliable or not. So if a citizen is not very reliable, the range of possibilities for a loan is lowered.