Banks loans: the guide that directs

Banks loans: the guide that directs

Banks loans: the guide that directs

By lenders is making available a wide range of loans that banks have different characteristics and to suit different needs. How to choose the loan that best suits your needs? Follow us to better the offers.

The Lending Banks may be an important resource to meet expenses and investments and that the institutes are well aware. And as more and their attention to the loans is much more diverse their range of different "types of credit." We customers, however, we must try to better orient the right to choose the solution best suited to our needs. Let us do it together.

Personal Loans

Consider this first category of loans for banks appears to be the most suitable to meet the widest range of spending needs. These are loans of varying amounts and not too big, in fact, the figures generally ranging from a low of 5,000.00 to a maximum of 50,000.00, even if there are banks that also come to 100.000,00, such as BNL. This category is generally given to employees, young professionals and retirees. Some institutions, such as Unicredit, allow us to obtain the loan through the transfer of salary. Banks personal loans are suitable for the purchase of furniture, appliances, cars and how much more beneficial it may affect our daily lives.

Soft loans

Another important category of loans that banks are dedicated to particular categories of customers. Generally fit the needs of businesses, students or disadvantaged people who can not offer guarantees. The special features of these loans reside in lower interest rates that allow for easier repayment of the sum. The "transfer of the fifth" constitutes a form of salary, as well as loans for the purchase of books for young people, or loans for businesses.

Loans to protest

A particular category of loans banks, one dedicated to protesting. Assuming that it is not easy to obtain new credit when you were on the list of protests, specified as there are, however, some can be evaluated. The Delegation loan, for example, through a direct debit on the payroll by the "employer" can still offer the necessary guarantee, but also the famous "employee loans" is often practiced by protested. Last option is then the loan credits credits "that only employees protested may require as a guarantee the future TFR.

Employees' loans

For those who have an employment contract for an indefinite period the supply of loans banks are full of solutions "not aimed" that allow you to receive money without having to specify the end use. The refund may be withheld on a paycheck and the amount of the sum paid depends on three factors: years of seniority, accrued severance pay and the amount of monthly earnings. Another possibility, but only for civil servants, consists, then, INPDAP loans that often, the Institute offers independently or through agreements with other banks.

Although our analysis did not presume to be exhaustive, given the breadth of types of loans banks exist, there still seems important to consider these opportunities to help meet the needs of the wider "audience" of customers of Bank.

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