Loan estimate: 5 questions to recognize the serious one.
Learning to distinguish which services guarantee the ability to request a secure loan is particularly important. On the market there are so many offers of easy financing, even in remedy of particular situations like a loan refused. We then clarify the aspects that should be taken into account when selecting a serious company, which allows us to obtain a reliable loan estimate, on legality conditions and without unpleasant surprises.
1- Is the customer’s real financial viability verified?
The reliability of a loan estimate also passes from the request of all the documentation necessary to verify the financeability of the customer : pay slip, pension slip, last tax return. This control of the working and income status is essential to ensure that the applicant can then face the amortization plan peacefully, without any concern.
2- Does the company have the appropriate references?
Credit institutions must be registered with the OAM, the Body of Financial Sectors and Mediators. This institute is made up of specialists in finance, selected by the Ministry of Economic Finance and supervised by the Banktal. The OAM guarantees the protection of those who request a quote for a loan because it keeps companies under control and checks that they are always in line with regulatory requirements.
3- Does the quote offer a customized solution?
The loan estimate must reflect the specific needs of the applicant. Not only in economic terms, but also in relation to his personal goals, habits and timing. The fact that the company can offer personalized advice – and not simply pre-packaged solutions – is therefore a big plus point that should be given proper weight during the selection process.
4- Can the request be made online?
Companies in step with the times offer secure online loans with the great convenience that technology and the Web put at our disposal. Requesting a free quote for a loan via the Internet saves time and effort, eliminating office hours and unnecessary waiting time. Companies that fully exploit these channels can also communicate electronically with the competent bodies, guaranteeing very streamlined processes.
5- Are all the necessary guarantees included?
When requesting a loan quote, the company must illustrate which guarantees are required, which are recommended and which are optional. In personal loans, for example, under certain conditions it is advisable to take out an insurance policy. In the Cession of the Fourthe, on the other hand, personal protection is always included in the price: in fact, the law establishes the mandatory nature of a life insurance policy and – for workers – on job loss.
Request a quote safely with Loans & Loans
Loans & Loans replies “yes” to each of the 5 questions illustrated above. For this reason, for over 20 years it has been a safe point of reference for employees and retirees who require an estimate from the Fourthe Assignment and Distributed Loan. To receive a personalized consultation it is sufficient to request a free quote for a loan : the professionalism of our Sectors is easily accessible both online and at our offices throughout Italy.