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Loan – take out cheap loans

When looking for a cheap loan or loan, you quickly find out how different the conditions of the individual savings banks and banks are. In addition, the creditworthiness of the respective customer always has an influence on the credit conditions or can even lead to the fact that no loan approval is received. In order to check the creditworthiness, various measures are taken by the bank, such as checking the Credit Bureau, the pay slips and the account statements.

Consumer loan without Credit Bureau

Consumer loan without Credit Bureau

Consumers with a rather poor credit rating often look for a loan without Credit Bureau, but it should not be forgotten that the creditworthiness of the borrower also plays a decisive role in these loans, whether you get the loan or not.

If the creditworthiness is no longer sufficient, you cannot get a loan from any bank, either in Germany or abroad. The only option that remains is a loan from private to private – the only problem is that you really have to find a serious offer for a loan from private. The best thing to do is avoid reporting on any windy newspaper ads, but rather turn to more official platforms, such as Lite Lender.

Consumer home loan savings

Consumer home loan savings

If you want to finance a property, regardless of whether it is a condominium or a house, you should carefully consider the options before you head over and over into a financing that is always a long-term obligation in the form of a real estate loan that exist. For example, a home loan savings contract can make sense for some consumers – if you don’t want to finance the property directly, but rather wait a few more years.

During the savings phase, capital is then regularly paid in, which, after a certain term or amount, entitles the holder to take advantage of a relatively low-interest loan in addition to paying the credit.

It is often particularly difficult for the self-employed to obtain a loan because they do not have a fixed income but instead generate a variable profit that is not guaranteed in the eyes of the banks. Ultimately, the budget, the financing plan or the profitability plan and the investment project decide whether to get an entrepreneur loan or not.

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Loans for Foreigners in Italy

Loans for foreigners, the online solution for EU and non-EU citizens. In this article you will find all the information necessary to apply for and obtain funding for workers who are foreign nationals residing in Italy.

What are you thinking about? Do you want to buy a car, book a holiday, home furnishings or do you have to bear medical costs ? Contact us now, we will find the best solution for you!

 

Personal loans for foreigners, requirements for obtaining credit.

Personal loans for foreigners, requirements for obtaining credit.

First we need to distinguish 4 financing formulas:

  • personal loans
  • employee loans
  • payment delegation
  • loan changed

Depending on the product and the financial choice, different conditions may be required.

For the “personal loan” formula, the key requirement is to be registered in the database as good payers, therefore having already obtained other loans and these must have been repaid regularly. For more details, we advise you to read all the information on the loan page.

Now let’s see the other 3 possibilities, of loans for foreigners with paycheck, available for you.

 

Loans for foreigners with paychecks

Loans for foreigners with paychecks

Certainly this opportunity is more flexible than the traditional personal loan since it does not pretend that the applicant has a positive historicity on credit systems such as Crif. It is also able to guarantee excellent economic conditions for interest rates and expenses.

However, not all financial companies think the same way; each institution has its own rules which differentiate one from the other. For simplicity, we list some points, distinguishing EU citizens from non-EU citizens.

  • Community : even if belonging to the European Community, for non-Italian citizens it will be necessary to provide a document called ” certificate of belonging to the European Community “. It is issued by the municipality of residence; certify the date of entry into our country.
  • non-EU citizens : in this case, on the other hand, the transfer of the fifth can be examined on the basis of two factors, the residence permit and the date of entry into Italy. Some institutes ask:
    • that the residence permit is valid and indefinite
    • others instead accept even if the document is temporary, but in any case not expired
    • Finally, some financial companies also handle requests for non-Italian citizens with an expired residence permit, but with the correctly submitted renewal application

Furthermore, in the case of loans for non-EU citizens it may be necessary:

  • a minimum of 3 years of service in the same company
  • residency in Italy for at least 3 years

All these elements will determine the feasibility of the financing practice and the maximum amount you can get.

 

Loan changed

Loan changed

In this case, two essential requirements must be met:

  • hiring for at least 24 months in the same company
  • having accrued at least 4500 dollar of severance pay
  • Requests may also be evaluated if employed in companies with fewer than 16 employees.

 

Online loans for foreigners in Italy, why rely on Globefin?

Online loans

We are a credit brokerage company, therefore a loan and financing broker, regularly registered in the OAM register (registration number M359). Thanks to our support you can access the loan for foreigners you are looking for.

Hundreds of customers choose our advice every day. This is the case of Ioan, our client, who contacted us asking for help because he needs money.

Loan, an employee of a small company, was unable to obtain funding not because he was a foreign citizen, but because of the type of company in which he worked. We have identified the right solution for him by selling the fifth, guaranteeing him the 4500 dollar requested.