It is not so complicated nowadays to undergo a foreclosure and then seek a loan, or a bank or a financial institution that is in any case available to provide a certain amount of money to meet the economic needs that will be created.
For this reason, below we will list a series of examples and possibilities that some telematic banks and credit institutions offer to users who need to obtain a sum of money, certainly not conspicuous, and which, as often happens, however, are not in possession of the pay slip.
How to get a loan without payroll for foreclosures
There are many solutions that financial institutions make available to users who need to get a sum of money, and each type of financing then corresponds to the needs of each customer; but the difference is notable if we go to talk about loans to be given to customers who have already been seized with real estate due to failure to comply with payment regulations. In this case, the solutions offered and of which the customer can take advantage greatly decrease, but not for this reason we must despair. The banks that however open a prospect of solution towards this category of customers exist, and thus it becomes even simpler to be able to request a small loan, provided however that there is an indispensable clause, that of the guarantor.
A guarantor wanting is also to be understood as a natural person, a relative or a friend who, living in better economic situations, grants the bad paying customer the possibility of receiving the money in his current account and subsequently filling the gaps that he may leave over the years returning the money received; a physical guarantor is ideal in the event that a borrower without a pay slip is required to request the approval of the loan, therefore with the perception of an income that is practically impossible to put in writing and to prove. The same thing applies if the customer decides instead to rely on financial institutions that as guarantor also accept real estate, but in this case there is obviously to consider the double risk that could be generated by a “mortgage on the mortgage”, a vicious circle from which it is then difficult to get out.
Third and last chance to get a small loan while not being in possession of the pay slip and being considered as bad payers with a lot of foreclosed assets, could be practically to put under guarantee the so-called precious goods, therefore delivering to the bank small jewels of the which you have, paintings or sculptures of a certain value, the object will act as guarantor and can be acquired by the baca in case of failure to return the loan by the customer. Now let’s go into more detail talking about numbers and hypothesizing money concessions from various financial institutions with a lot of monthly payment calculations.
Simulations of loans to foreclosures without pay slip with guarantor
Normally the type of loan that is chosen by those who, considered as bad payers or pawnbrokers, need to have recourse to a sum of money as soon as possible, is that of loan consolidation. There are many financial institutions that give customers the opportunity to access this financing. In this regard, we analyze the solution that the online lending institution Yes Loan offers: up to 60 years and despite being a bad payer or pawnbroker, the institute gives the possibility of obtaining the money that the customer needs in less than four working days. Simply by accessing the online portal, and typing the item that makes a quote in less than five minutes, the customer has at hand all the solutions with monthly installment calculation, to choose the one that best suits your needs. For example, the sum of 20 thousand euros can be repaid to the bank starting from a minimum of 60 monthly installments, with a rate of just under 700 euros; or again in the span of 84 months and with a monthly payment of 520 euros. Of course, one of the necessary requirements is that of the guarantor, so the loan can also be granted without the client having a pay slip or a fixed income per month, but it is mandatory at least the signature of someone who in his place take charge of the repayment of the money.
Another solution available to all those who fall into the category of foreclosures, but who, however, want to pay off all their debts, is the Finimprest credit institution, which, like the previous example, gives the customer the possibility of accessing money through what in practice it is defined as a payment delegation. The former public employees, pensioners and the self-employed can also access the loan from this institution, and for the entire duration of the loan the installment will remain fixed as will the interest, which is equivalent to: 4.25% tan, and taeg from 8.90%. The loan can be repaid up to a maximum period of 120 months, so for example, a customer requesting the sum of 30 thousand euros will be able to repay the same with installments of just under 400 euros per month; or even wanting in other solutions: a fixed installment of 520 euros for the return of the money in 84 months, or a fixed installment of 670 euros, to repay the whole in 24 monthly installments.
If you do not have so much intention to rely on telematic credit institutions, and you prefer to make an appointment at the branch and talk face to face with those in charge, you can instead contact the loan Institute yes, which with headquarters in Rome bestows loans even to those who are deemed as foreclosed. In this case the customer may request the granting of the sum of money up to a maximum of 70 years, and must only deliver an identification document, the tax code and in the case of non-possession of the pay slip, of course the signature of a guarantor or a good that can be delivered momentarily to the bank. Let us suppose that the sum of five thousand euros is required; the amount received can obviously be returned taking into account a certain amount of interest, which in the case of the Roman institute equates to: tan by 5.6%, and taeg by 9.90%. The sum can therefore be repaid in the following various solutions: 60 monthly installments of just under 100 euros a month, or alternatively 84 monthly installments of 90 euros a month, and finally assuming that the customer wants to take advantage of the maximum extension also in this case of 120 months, the monthly payment will reach almost 70 euros.
So there are not a few solutions that electronic and non-telematic credit institutes make available to foreclosures or bad payers who in any case have a physical guarantee or not, still manage to get the money they need. However, in case of non-possession of even a guarantor, who can be referenced to be able to eliminate his debts and redeem his mortgages? In these cases it is possible to resort to those that are commonly defined as mini loans, and that essentially consist in obtaining small amounts of money starting from a minimum of 500 euros and reaching a maximum of 3 thousand euros, and which they are issued by the institutions even if the client does not have tangible guarantees. We are talking, for example, of the solution proposed by Banco Posta of the so-called small amount of money that is given to the customer already in possession of the PostePay Evolution card.
It is enough two working days from the forwarding of the request, to get up to 3 thousand euros maximum on your card. The money can then be repaid up to a maximum of 22 monthly installments and without them increasing over time. All you need is an identity document, your health card and the Evolution card to be able to get the money you need. The last solution for foreclosures in search of a concession of money is instead the so-called loan, or a sort of agreement that the customer establishes with the bank; the installments are established on the basis of the needs of each client and always remain constant until the loan is completely extinguished. In essence, the customer pays with the form of bills of exchange a fixed amount per month which he previously established with those who have taken charge of his financing. In this type of loan, the presence of a guarantor is not necessarily required, but in the event of non-payment, the bank has every right to send bailiffs to the place to proceed with the immediate attachment of other assets.