In this article we will talk about loans and how to apply for them. In particular we will see what documents are necessary to proceed with the request for the desired financing. Knowing what we need first will save us a lot of time, since otherwise it is necessary to fix an additional appointment to present all the necessary documentation.
Loans : how do I request them and which documents do I need?
If you are interested in receiving a loan. By visiting the website of the credit institution, you will find all the various financing options reserved for customers, with the description of the different products and the possibility to request a free quote that allows you to know in detail the characteristics of the loan. Once you have identified the form of financing that most satisfies your needs, what you have to do is proceed with the loan request . To do this you can make an appointment through the website, choosing the branch you prefer, the date and time.
Once the appointment has been set, all we have to do is go to the chosen branch with all the necessary documentation . It is important to first inquire about the documents requested by the company, to avoid having to go to the branch a second time to bring a document without which it is not possible to request the loan . First of all, let’s start with what are the documents , which are used to identify us. As for any other company that provides funding, the first thing that will be required will be our identity card and health card . The latter will be used to enter our tax code in the system, so the tax code card will also be sufficient, which obviously will have the same function.
As we know, a requirement that is particularly taken into account by the banks that must provide a loan is the customer’s income situation. This must minimize the risk of insolvency , and therefore only those who have a monthly insured income each month can receive the loan they need. As pointed out on the website, in addition to the documents just mentioned, only an income document will suffice. This may be the last paycheck or employment contract for employees, while for pensioners the last pension slip can be presented. Finally, as far as self-employed workers are concerned, they will be able to present the last tax return , according to which the company will make the appropriate assessments to decide whether or not to grant the loan requested.
How to apply for an loan online and what you need in the documentation
An excellent opportunity offered by for loans is to be able to make the request completely online . This will save us a lot of time, since the procedure is very simple and fast. The first thing we are invited to do is to request a quote . It is very simple to do it, since all that is required of us is the sum we are interested in. By starting the simulator, we will present all the different options to choose from, which differ in the number of months in which to make the reimbursement. Therefore, based on the expected monthly payment and the Tan and Taeg interest rates applied by the company, we will have to choose the duration we prefer , before proceeding with the actual loan application.
The phase following that of the estimate is that of anagraphic . Here we will have to enter our name and surname , in addition to our contact details. What we will be asked for will be our email address and our telephone or mobile number, which will be used by the company to contact us for any communications regarding our loan. Then we move on to data , in which we will first have to enter our tax code . We will then have to indicate whether we are Italian citizenship , community or non-EU citizenship and our marital status. We will also have to specify the type of current location , so if we are rented, if we have a house of property, or if we live with parents, relatives or third parties.
As for our residence , we will be asked for the address with the house number, the ZIP code, the province of residence and the municipality of residence. Finally we will have to indicate how many years we live in our current home. The last phase, before we can finally send our loan request, is that of the working data . Here we will have to specify what is our employment and the type of contract we have, therefore whether for an indefinite or fixed term for employees . Otherwise we will have to specify whether we are retired or self-employed , with our relative income. Following these simple steps we will have therefore completed our loan application, and in a few days we will receive an answer in which we will be granted or not the financing.