Guide to request a personal loan
Asking for a loan or credit is the order of the day. Rare is he who has never had to go to a third party in search of money to meet an unexpected expense.
Unless you are cautious and save part of your salary every month for possible expenses, it would not be strange if you had to go to external financing to pay for unforeseen expenses or large purchases.
These types of loans that you resort to in order to meet a specific expense are called personal loans, and among them, depending on the purpose you are going to give the money, you can choose different types: studies, reform of home, travel, consumption or car, among others.
Sometimes requesting a loan is inevitable, but before deciding where or who to go to, it is important to assess some points such as which type of lender to turn to or know in advance what type of documentation the entities will require. At Personal Loans Online - USA
we give you all the keys so you can apply for your personal loan without complications.
Where can I request a personal loan?
When you decide to apply for financing, the first thing you should ask yourself is where or who will you have to go to get it. If you are already a veteran in this task, surely you know perfectly what to do, but, if on the contrary, it is the first time that you find yourself in this situation, it is most likely that you are a little lost.
In Spain there are several lenders that you can go to request money, although depending on different variables and your customer profile there will be some that adapt to you better than others. You can mainly go to the following entities:
Banks: both Spaniards and foreigners with representation in Spain offer you a wide range of personal loans.
Savings banks.
Cooperatives of saving and credit.
Private lenders (private equity companies): the products that characterize this source of financing are fast loans or credits, mini-loans or mini-loans, and online loans.
Department stores, supermarkets and stores: these establishments do not offer you an amount of money as such, but rather finance the purchase of certain products. The great advantage they have is that the interest rate is usually 0% during the first months.
Credit card companies supported by financial institutions.
Platforms that manage loans between individuals.
Requirements to request a personal loan
Before going to any of these entities to request financing, you should take into account that depending on the amount you request and the type of loan you will have to meet a series of requirements. Among these, the most common are:
Be of age.
Have a valid identity document (DNI, passport, driving license ...)
Explain the exact amount you need and the purpose for which you are going to use the money.
Demonstrate solvency.
Do not exceed your maximum debt capacity.
Debt refund guarantee. In most cases, with personal loans, you do not usually ask someone to guarantee you so, in case you do not pay, it will be you and not someone else who responds with all the income, rights and assets present and futures.
Proof of income. If you are self-employed, you will need to provide your self-employment registration certificate, the social security fee or your last VAT declaration, while if you work for someone else, it will be enough for you to show your last two or three payrolls. If, on the other hand, you are not working but you have recurring income, you must also prove it.
Photocopy of the personal income tax declaration, that is, the tax declaration.
Work contract. Sometimes you may be asked for a copy of the employment contract. Whether it is indefinite or not will be one of the keys that will be taken into account when approving or denying you the loan.
Not be included in any list of defaulters such as ASNEF or RAI.
Have no current debts with defaults.
Deeds of your house, rental agreement, declaration of assets or sworn declaration of your assets, sometimes.
In addition, as you can see, it is not surprising that to give more favorable conditions or even to approve the concession, "demand" or "advise" that you contract other products with them or that you take your money there. For example, they may ask you:
Direct debit payroll
Direct receipts
Loan amortization insurance
Pension plan
Car insurance
Home insurance
If you do not comply with any of them, do not think that everything is lost and that you will not be able to obtain financing. However, it is true that the conditions to give you money may be harsher, requiring guarantees or applying higher interest and fees.
Is it better to apply for a loan or credit?
Once you have decided that you need financing and you have an approximate idea of the amount you are going to request
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