Personal loans: the requirements to apply for them
Personal loans are non-finalized credit products that can be requested for any reason, even just to have greater financial availability. To request them, you must be in compliance with the requirements that the contractor must possess at the time of the request. In principle, the main requirements envisage an age of the contractor over 18 years and the presence of a documented income. Based on these fundamental requirements, it is possible to submit an online loan request and evaluate the proposed installment solutions. Choose Lite Lender Company Loan. There are also solutions for those who, based on their needs, wish to resort to the assignment of a fifth of their salary or pension. Housewives, occasional or precarious workers, on the other hand, can opt to apply for a personal loan by presenting a supporting guarantor.
Documents needed to apply for a loan
The documents needed to apply for an online loan from a lender are:
- Identity card and tax code, essential in order to record the data for the contract;
- Tax return. To this end, it may be necessary to present the Unico model or the 730, the paycheck, the pension slip or the Unica Certificazione model.
To determine what the final cost of the sum received will be, both interest linked to the sum obtained and ancillary expenses, such as, for example, the preliminary costs, any commissions and all that is foreseen in the contract, must be considered. In this regard, the customer has the opportunity to evaluate the TAN (Nominal Annual Rate) and the APR (Global Effective Annual Rate).
The personal loan can become protected by adding an insurance policy : it is a protection that allows you to protect the applicant from risks of insolvency for sudden events, such as death, serious illness, total permanent disability, job loss, temporary disability. The cost of insurance, which is optional for the customer, is also conveniently included in the installments. Calculate the installment immediately