When you encounter economic difficulties and end up enrolled in the knowledge company as bad payers, you should not be discouraged as regards access to credit. There are in fact several alternatives of personal loans for members of the knowledge company.
Personal loans for knowledge company members include several alternatives. Among these it is possible to mention the loan against assignment of one fifth of the salary or pension.
It is a very popular consumer credit product, which allows employees and pensioners to request a certain sum and to repay it in a very convenient way, that is, through a mild upstream reduction of 20% of the salary or pension.
Loans on assignment of the fifth
The products against the transfer of a fifth of the salary or pension, excellent personal loans for members of the knowledge company, are at a fixed rate and can last up to 120 months. Their provision does not require checking the databases, for this reason they can also be requested by those who are registered with knowledge company as a bad payer or protested.
It is important to remember that in the case of the pensioner loan, the installment can be less than 20%. This is common when dealing with particularly low pensions and with the need to safeguard minimum treatment.
How the changeable loans work
Loans exchanged are also included in the personal loans for members of the knowledge company. These are products that are based on the issue of bills of exchange, executive securities that must be repaid by a certain date established at the time of signing the contract.
Loans exchanged are non-finalized loans, which is why it is not necessary to present a proof of the expenses made with the amount received.
The rate is higher than traditional products, as these are loans at risk precisely because of the accessibility even to bad payers and protests.
The necessary guarantees
Loans changed are personal loans for knowledge company members and also suitable for those who do not have a paycheck. Despite this, however, certain guarantees must be taken into account, which vary according to the customer’s situation.
Employees must consider the severance indemnity obligation, while the self-employed are the owners of an active life insurance policy for at least two years. The third case concerns newly hired workers, who must present a guarantor. knowledge company members can in any case resume access to credit normally by requesting the cancellation of the name.
This is possible after one year from the regularization of the payment in case of delay in the payment of 1/2 installments. If, on the other hand, we speak of the delay with two or more installments, after two years from the regularization, the cancellation can be requested to knowledge company.
Loans between individuals
Those who are registered in the knowledge company database as bad payers can also resort to loans between private individuals.
Prestiamoci allows access to sums up to a maximum of $ 25 thousand to be repaid with an amortization plan that extends for a maximum of 72 months. The interest rate is fixed and Tan and Taeg start from 3.90% and 5.40% respectively. It is necessary to specify, however, that Prestiamoci does not disburse funds in favor of protested parties.
As regards the application procedure, the loan application must be submitted electronically following the online procedure on the Prestiamoci official website. The result of the request will be communicated within 24 hours from the moment the requested documents are sent.
Also very interesting is Astro Finance’s proposal which allows access to sums of between $ 1,000 and $ 15,000 to be repaid with an amortization plan that extends to a maximum of 12, 24, 36 or 48 months. The interest rates applied start at 5.6%.
Who can get funding? All individuals with a current account and demonstrable income can access loans between individuals granted by Astro Finance. However, individuals who have a serious history of insolvency are excluded.