What can you do to get loans? What are the different options and which ones are the most advantageous?
Thanks to our guide on how to get a loan with we will see what all the steps are and we will also give some advice. Here’s what to do to get the loan for you with this company!
How to get a loan
Often you may need a loan to solve some problems or to make purchases for the family.Lets you choose the best option for you.
To request a small loan, in general, the insurance group in question does not impose too many restrictions. More guarantees are needed for the higher figures. With Agos you can get a loan up to 30000 euros quickly and without too much effort, especially if the loan is requested online or through the convenient and practical App.
With one click you can choose and even get the loan in about 48 hours. So in two days the case opens and you get the money in the account. To calculate the installment it is sufficient to make an estimate also online. Just enter your data, the amount you intend to request and also the number of installments in which you think you can repay the amount.
The data is entered in the appropriate form and the estimate is free and is not binding on the request for a loan. Thanks to the online quote, you can also get an idea of the amount of the expense and the monthly cost of the installments. The budget helps to orientate about the repayment duration for the requested loan.
The more the repayment months increase the lower the installment, but remember that the interest goes up. For this reason we advise you to carefully evaluate the duration of the payment to avoid wasting money on interest.
To find out what the characteristics of a loan with Agos are, we recommend that you ask for an appointment directly at a branch, in this way you avoid unexpected surprises.
The necessary guarantees
For each different type of loan there are mandatory guarantees to be provided, the guarantees are the same even for those on the bad payer list or for those who have been protested. The mandatory guarantees to apply for a loan with Agos are:
- The guarantee of a third party : the third party acts as guarantor or guarantee. It can be either a parent, a friend or even a relative. The third party can become the person responsible for returning the sum instead of the applicant;
- The pension : the duration and the number of the installments to be reimbursed can vary according to the age of the subject;
- The pay slip : the best guarantee for the loan, with the pay slip generally you get advantageous rates;
- The salary assignment : often allows even those who have been protested or is on the bad payers list to have a loan, the sum will be withheld from salary or pension and you can have advantageous rates;
What do you need to get the loan?
To obtain the loan with this company you must provide:
- the valid identity document;
- payroll, pension or the last tax return (for self-employed workers).
Even those who have been protested and those who are on the list of bad payers must provide the same documents. There is no need to bring other documents with you, the rest will be done by the institution to which the loan is requested.
In the event that you decide to apply for the loan directly at the branch, a person in charge will indicate the waiting times for obtaining a loan on your account. Each case is different and both waiting times and interest payable can vary.
Interest for the loan
You can find out the interest rate to pay thanks to the online quote, the quote can also be requested at the branch and is not binding. Thanks to the budget, you can learn about the TAN and the APR. The TAN is the interest rate, the APR is the synthetic total cost of the loan.
The APR is the cost of the commissions to be paid for the loan application. We advise you to check both the TAN and the APR to choose the most convenient ones for you. Doing a little research and comparisons before applying for a loan can save on interest.
The loan for the protested subjects
We cannot assure that banks and institutions easily allow for a loan if you have been protested or if you are on the list of bad payers.
The only way to understand if allows the loan to be obtained in these particular cases, is to ask information to a person in charge directly in a branch. The person in charge will assess the applicant’s situation and decide whether to continue with the practice.
In general, giving a fifth of the salary as a guarantee is the easiest and fastest way to get the loan even if you are on the list of bad payers or if you have been protested.
Thanks to the fifth assignment, it is possible to have the loan, to obtain repayment plans of up to 10 years and even to have more advantageous interest rates.
Loans for temporary workers
Also allows temporary workers to apply for a loan. Just bring some additional guarantee to the bank. To obtain a loan from fixed-term workers, the number of installments must not exceed the remaining months of the contract.
Finally, the conditions to be met for obtaining the loan are the same as for permanent workers. Therefore no further guarantees need to be added.