The new year is in the pipeline and there are many projects made during these years waiting to be made. A personal loan is the ideal tool for have immediate liquidity and commit to long-drawn-out plans. For travel, the purchase of motorcycles and cars, enrollment in professional courses and universities, furnishings, and much more, it is therefore possible to request a personal loan.
Un personal loan is disbursed by direct bank transfer to the current account of the applicant e it is not tied to the purchase of goods or services. Consequently, it will not be necessary to present a proof of expenditure, a document that is difficult to produce if you are organizing a trip or want to enroll in an academic course. let's see, then, what are the ways to request it and what are – in general – the maximum amounts payable.
How to apply for a personal loan?
The most convenient way to apply for a personal loan is submit your application online. Thanks to the high security of the portals created by the credit institutes, it will be possible to enter all the requested data, upload the documents and – possibly – digitally sign the contract from home. This will avoid long queues at the branch and requests for various appointments. The online consultancy service is often included, which will guarantee an assisted completion of the necessary forms.
By following the detailed instructions, it will be possible to fill in each field and, consequently, speed up data verification times. In most cases, the loan will be obtained in the shortest possible time.
Who can apply for a personal loan?
The personal loan is available to a very large number of users: it can, in fact, be requested by pensioners, employees (public and private), self-employed and freelancers. The documents to be submitted are also easy to find. In addition to the identity document and tax code, it will be the single model or the 730 is required of the last two years for i pensioners; the unique model of the last two years for i self-employed; the last two payslips for employees.
After sending the documentation and after the positive opinion of the credit center, it will be possible to digitally sign the contract and start the loan.
What are the most requested sums?
Any limits to the amounts that can be requested with a personal loan are established by the individual credit institutions. However, however, this type of credit line is ideal for carry out small projects and to obtain microfinancing. Most of the stipulations, in fact, are concentrated in the range below 20.000 euros, in which the interest rates are more convenient and the repayment is much easier. However, it is always possible to request higher sums.
Rates are generally fixed, a circumstance that makes it advantageous to take out a personal loan as it can be obtained in advance the certainty of the total amount to be returned to the credit institution. Furthermore, the fixed rate does not exclude flexibility. There are many commercial offers that insert, within a product with a pre-established interest rate, some shock absorbers to make it easier to return.
Among these we point out the possibility of skip or change one or more installments, lighter installments during the first year, exemption from stamp duties or processing fees. Ultimately, flexibility is one of the measures most appreciated by consumers, as it allows you to make your dreams come true while having the peace of mind of being covered for any unforeseen events.
This is the winning recipe for guaranteeing a definitive restart: encouraging the activities of individuals by offering convenient rates and a protection network against the most common unexpected events.
