How to get loans
Do you need a loan to Rieti but are you protested? Do you need an urgent loan in a few days? Are you looking for a subsidized loan to renovate your property?
If you are looking for answers to these and other questions read this short article and discover the loan to Rieti that suits you, choosing from the proposals of the loan agencies in Rieti and surroundings.
Personal loans in Rieti
If you need a high loan, perhaps to restructure your property or to consolidate your debts, you can apply for a personal loan that is finalized or not.
The personal loans are fixed rate, both nominal, the TAN, which together with all the ancillary costs, the APR, have a duration that can go from 12 to 120 months and do not require the signing of insurance policies.
To apply for a personal loan you must be aged between 18 and 80, not to be exceeded at the end of repayment of the loan, a paycheck, the pension slip or the tax return.
It is also necessary not to have protests, foreclosures or reports as a bad payer. For those who have a fixed-term contract it is necessary that the duration of the loan does not exceed that of the contract.
Among the financial agencies offering personal loans in Rieti there are Findomestic, Agos, Italprest and Finatel.
Loans for protest: the sale of the fifth
In case of complaints or reports to the Central risks, if you have a paycheck or a pension slip you can always apply for a loan through the assignment of the fifth.
This is a non-finalized personal loan, linked to the transfer of the transferable quota, with the monthly payment which can not exceed 20% of the net salary or pension, for a maximum of 120 monthly payments.
The assignment of the fifth is at a fixed rate, and can also be requested by fixed-term workers, provided that the duration of the loan does not exceed that of the contract. In addition, additional guarantees such as severance pay as collateral or a guarantor’s signature may be required.
In the absence of the paycheck you can always request a loan at the branches of Rieti, such as those of Finatel Spa.
Modified loans are characterized by the use of bills of exchange, the actual executive titles which in case of non-payment can lead to the seizure of assets.
The bills can be paid at any bank, by the expiration date above, and are marked by the specific stamp.
Modified loans are at a fixed rate, repayable from 12 to 120 months, with the possibility of requesting an advance within a few days or the payment of the sum directly to their home.
To apply for a loan that has been changed, you need to present proof of identity, tax code and tax return, while in case of protests or complaints to the Crif, additional guarantees may be required, such as a mortgage guarantee on your property.
If you are a public or state employee and you are registered in the Unitary management of credit and social services, you can access special Inpdap loans, now managed by INPS offices or online via PIN.
Inpdap loans are divided between small loans, direct multi-year loans and guaranteed multi-year loans. For multi-year loans, you must be registered in the Unitary Management for at least 4 years, have a permanent or fixed-term contract of at least 36 months.
The small Inpdap loans allow you to request without motivation from one to 8 months, repayable up to 48 months with a facilitated rate of 4.5%, plus a 0.5% for administrative expenses and a tax rate up to 1.26 %.
Direct multi-year loans are tied to the transferable share of 20%, have a duration of 60 or 120 months and a rate of 3.5%, to which the rate must be added up to 1.26% and 0.5% for administrative expenses.
The guaranteed multi-year loans, on the other hand, make it possible to benefit from an INPS guarantee on life, against the reduction of salary and the termination of the activity without the right to a pension.
The maximum duration is 120 months and the interest rate is that applied by the institutions, to which must be added a 0.5% for administrative expenses and a contribution to the Risk Fund up to 3% of the amount.
If you are looking for a loan in Rieti find the loan that best suits your needs, contacting one of Rieti’s financial as Agos Ducato, Finatel or Fidi Rieti, or requesting a free online quote.
You will be able to choose from a large number of loans, such as personal loans, fifth-party assignments, proxy loans, post-paid loans or Inpdap loans, finding the best loan at the lowest cost.