PERSONAL LOANS EMPLOYEE LOANS CAR LOANS REVOLVING CARDS CONSOLIDATION OF PAYABLES GUIDES AND TOOLS prestitionline.it (home) > guides and tools > how to get a loan CONSUMER CREDIT Credit cards Finalized loan Personal loan Employee loans Life loan PERSONAL LOANS Furniture loan Renovation loan Home purchase loan Liquidity loan Wedding loan Loan for medical expenses Travel and holiday loan LOAN GUIDES How to get a loan Personal loan guide Guide to the assignment of the fifth Guide to car loan Guide to revolving cards Debt Consolidation Guide CALCULATION TOOLS Calculate the loan installment Amortization schedule How much can you ask for Calculate the APR of the loan REFERENCES Rates observatory Frequent questions Glossary Loan regulations What to do to get a loan With loans for the home (renovation and furniture) and for the purchase of a car (both new and used) that in Italy are the masters (representing about 60% of total requests and 80% of the disbursed ), and not forgetting that with the crisis more and more people are resorting to the liquidity loan to get to the end of the month, it is useful to know what the necessary requirements are to obtain a loan . First of all, it is necessary to know which bodies are responsible for disbursing the loan, which purposes are covered and which guarantees are required for the disbursement of the loan itself. In Italy, the banks and financial intermediaries registered in the appropriate registers are the subjects authorized to grant and disburse consumer credit , the main types of which include: the credit card , a consumer credit instrument with which it is possible to make purchases at the participating establishments, and whose payment is made at a predefined frequency, usually monthly, in a single solution (credit card in balance), or in installments with the addition of the payment of accrued interest ( revolving credit cards ); the Finalized Loan , a form of financing strictly linked to the purchased good, which can be requested and obtained directly from the point of sale of the good and / or service (for example, financing for household appliances and electronic devices); the Personal Loan , the most widespread form of financing in Italy, which provides for the loan of a pre-established sum, at a fixed interest rate, repayable in constant installments; it has the advantage of being a non-finalized loan, therefore its disbursement is not subject to the purchase of a specific good or service (unlike the finalized loan); the assignment of the fifth , a type of loan that provides for the payment of the debt through deductions from the paycheck or pension, up to a maximum of one fifth of the emolument itself, net of the deductions; the Lifetime Loan , a form of financing reserved for people aged at least 65 and owners of a property, on which it is necessary to place a mortgage. REQUIREMENTS FOR OBTAINING A LOAN The requirements for obtaining a loan depend on the type of loan requested . In general, for all loans, the minimum requirements are: nella maggior parte dei casi, un’età compresa tra i 18 e 70 anni (alcune banche e finanziarie hanno un’offerta anche per persone di età maggiore); un reddito dimostrabile; la residenza nel territorio italiano; essere titolare di un conto corrente bancario. In secondo luogo, la banca valuterà la concessione del finanziamento sulla base delle proprie politiche di rischio e dell’affidabilità creditizia del soggetto richiedente. Nel primo caso, ogni istituto applica una propria politica di rischio basandosi su dati statistici in suo possesso (credit scoring) in modo da mantenere le insolvenze al di sotto di un determinato livello. Per quanto riguarda l’affidabilità creditizia del richiedente, invece, viene fatta una valutazione che tiene conto del rapporto tra la rata di rimborso e il reddito del richiedente che, in genere, non deve superare il 30%; in aggiunta, vengono consultati i rapporti forniti dalla Centrale Rischi (CRIF), che registrano eventuali mancati pagamenti o ritardi nei rimborsi di finanziamenti precedenti. In alternativa alle tipologie di prestito tradizionali, nei casi in cui il richiedente risulti registrato negli elenchi del CRIF, per lui è possibile ricorrere alla richiesta di cessione del quinto che, proponendo le opportune garanzie del datore di lavoro per i lavoratori dipendenti (o dell’INPS per i pensionati), consente di ricevere un prestito anche in caso di una cattiva storia creditizia. Tuttavia, è importante ricordare che i tassi di rimborso della cessione del quinto risultano più elevati rispetto a quelli previsti da altre forme di finanziamento. In aggiunta ai requisiti minimi, la finanziaria può chiedere delle garanzie accessorie. Mentre solitamente la concessione di un prestito non è subordinata alla prestazione di garanzie reali (ad esempio, di un’ipoteca), per limitare il rischio di insolvenza spesso gli istituti di credito richiedono la presenza di altri soggetti, i cosiddetti coobbligati, che si assumono la responsabilità della restituzione del credito in caso di inadempimento del cliente. Un’ulteriore forma di garanzia a tutela dei creditori è la presenza di coperture assicurative, mandatory in the case of assignment of the fifth (coverage on the life risk and employment risk of the applicant) and of a lifetime loan (coverage of damage from fire and explosion of the property), optional in all other cases. Compare the best personal loans and save! HOW TO EVALUATE A LOAN To choose the most convenient loan, it is necessary to make an assessment of the economic conditions, considering the overall burden. However, this is not exactly a simple operation; below are the two main elements that should be considered before signing a loan: il Tasso Annuale Nominale (TAN): è il tasso di interesse, espresso in percentuale e su base annua, applicato al capitale finanziato che determina la quota interesse la quale, insieme alla quota capitale mensile, andrà a determinare la rata di rimborso; il Tasso Annuale Effettivo Globale (TAEG): è una misura, espressa in percentuale e su base annua, del costo complessivo del finanziamento. Infatti, a differenza del TAN, il TAEG è comprensivo di eventuali oneri accessori a carico del cliente (ad esempio, delle spese di istruttoria). Calcola il TAEG del tuo finanziamento grazie al nostro strumento di calcolo. Dunque, nel confronto di due o più offerte, il TAEG è l’elemento di confronto migliore, poiché prende in considerazione il costo complessivo di un finanziamento, includendo tutte quelle spese accessorie solitamente escluse dal calcolo del TAN. È tuttavia necessario ricordare che il confronto del TAEG tra due o più finanziamenti è possibile solo a parità di condizioni (importo finanziato e durata). Infatti è utile ricordare che, a parità di importo finanziato, il TAEG si riduce all’aumentare della durata del prestito mentre, a parità di durata, il TAEG si riduce all’aumentare dell’importo del prestito. In ogni caso, se vuoi trovare il prestito più conveniente in maniera semplice e veloce fai un preventivo su PrestitiOnline.it ed avrai la lista di tutti i finanziamenti con le condizioni più vantaggiose. RITARDO O MANCATO PAGAMENTO DI UNA RATA Once a loan has been signed, it is important that the repayment of the installments takes place in a timely manner. In fact, failure to pay even a single installment on time authorizes the credit institution to terminate the contract unilaterally , while the customer is required to pay all bank charges, protests and charges incurred by the credit institution to recover the sums. due, in addition to any penalty. Furthermore, the customer also risks being reported as a bad payer and that his name is included in the lists of the Central Credit Register., with the consequent worsening of one's credit situation and greater difficulty in obtaining future credit. HOW TO WITHDRAW FROM THE LOAN AGREEMENT The consumer credit legislation , modified with d. lgs. n. 141/2010 and which entered into force in June 2011 , introduced important changes in terms of transparency and the right of withdrawal . While previously the customer could only withdraw if the contract was stipulated remotely or outside the retailer's commercial locations, currently the consumer has the right to withdraw within 14 days of signing the contract , without having to specify the reason. , by sending a registered letter with return receipt to the lender. In the event that the loan has already been disbursed, the customer will have 30 days to be able to repay the capital and interest accrued, as well as any taxes due. However, no penalty can be applied to the consumer. The right of withdrawal also applies directly to all ancillary service contracts connected to the loan originally requested (for example, insurance policies taken out to cover the credit). EARLY REPAYMENT OF THE LOAN According to current legislation, it must always be possible for a customer to pay off the loan in advance of the expected conclusion date. The same will have to repay the residual capital still owed plus a penalty, which cannot exceed 1% of the financed sum. HOW TO APPLY FOR A LOAN PrestitiOnline.it is the Comparator loans , present in Italy for over 10 years, offering the loans cars and motorcycles to restructuring loans , up to cash loans and debt consolidation . On PrestitiOnline.it it is also possible to find offers for the assignment of the fifth of the salary and pension. Thanks to the wide range of loans available on PrestitiOnline.it, and the continuous updating of the proposed economic conditions, it is easy to find the most convenient and appropriate loan for your needs . Compare the best personal loans and save! READ ALSO THE GUIDES RELATING TO OTHER TYPES OF LOANS: Personal loan guide Guide to the assignment of the fifth Guide to car loan Guide to the revolving card Debt Consolidation Loan Guide PERSONAL LOANS Required amount EUR Duration of the loan - 12 18 24 30 36 42 48 54 60 66 72 78 84 90 96 108 120 months Financing purpose - Select - Home renovation Liquid assets Furniture New car or zero km Used car Debt consolidation --- Other purposes --- New motorcycle Used motorcycle Travel and vacation Purchase of property / box Plants for the home Hobbies and free time Medical expenses IT and PC Wedding and ceremonies Car repair Domestic appliances Used camper Training courses New camper Electronic items Aesthetics and well-being Nautical used Nautical new Capital goods Insurance No Yup Year of birth Kind of employment - Select - Permanent Dept. Freelance Autonomous Retired Fixed term department Housewife Student Military conscript Income not demonstrable Cassintegrato Unemployed Current job - Select - Employed by Select January February March April May June July August September October November December of the Domicile - Select - Milan Naples Rome Turin ------------------- Agrigento Alexandria Ancona Aosta Arezzo Ascoli Piceno Asti Avellino Bari Barletta Andria Trani Belluno Benevento Bergamo Biella Bologna Bolzano Brescia Brindisi Cagliari Caltanissetta Campobasso Carbonia Iglesias Caserta Catania Catanzaro Chieti Como Cosenza Cremona Crotone Cuneo Enna Fermo Ferrara Firenze Foggia Forlì-Cesena Frosinone Genova Gorizia Grosseto Imperia Isernia La Spezia L'Aquila Latina Lecce Lecco Livorno Lodi Lucca Macerata Mantova Massa Carrara Matera Medio Campidano Messina Milano Modena Monza e Brianza Napoli Novara Nuoro Ogliastra Olbia Tempio Oristano Padova Palermo Parma Pavia Perugia Pesaro-Urbino Pescara Piacenza Pisa Pistoia Pordenone Potenza Prato Ragusa Ravenna Reggio di Calabria Reggio nell'Emilia Rieti Rimini Roma Rovigo Salerno Sassari Savona Siena Siracusa Sondrio Taranto Teramo Terni Torino Trapani Trento Treviso Trieste Udine Varese Venezia Verbano Cusio Ossola Vercelli Verona Vibo Valentia Vicenza Viterbo PrestitiOnline.it è un servizio di CreditOnline Mediazione Creditizia S.p.A. 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