Everyone has wanted to apply for a loan and then feel disoriented by the jungle of offers available . Yet finding your way around is easy, let’s see how!
1. Where to look
The advent of technology has changed every single aspect of our lives: nowadays it is possible to manage everything much faster and often from the comfort of home. One of the most surprising changes concerns the world of Loans , which has always been a very articulated and complex sector that over the years has undergone great transformations and – fortunately – simplifications.
The spread of the Internet has certainly speeded up the exchange of information through a channel accessible at any time, with the possibility of requesting a personal online loan , comparing the various solutions in real time and verifying the reliability of the interlocutor .
And we on the Internet were the first, online since 2001 , offering our customers the opportunity to request a free quote from the comfort of home .
2. Selection of the interlocutor
First of all it is necessary to verify that the interlocutor is regularly enrolled in the MAO , the Body of Agents in financial activity and of credit mediators.
The MAO is required to verify the permanence of the requisites necessary for registration, as well as the absence of causes of incompatibility, suspension and cancellation against the members and the actual performance of the activity.
For this reason it is important to rely on a registered MAO partner such as Loans & Financing, which has been fighting for over twenty years to provide clear and transparent loans to its customers.
3. Submission of income documentation and a valid identity document
Sending your documents is a fundamental step in order to be able to check the minimum requirements for the loan and receive a specific, customized offer .
The identity document certifies the correspondence between the person requesting the loan and the holder of the pay slip or pension slip, verifying the personal data useful for the purpose of calculating the estimate.
Online you will find the estimators who issue general estimates without checking the documents mentioned above: know that these estimates are purely indicative and could be modified following verification of the documentation itself.
A reliable interlocutor avoids providing approximate information that could be modified on the basis of some peculiar characteristics of the applicant (such as age) and collects the minimum information in order to be able to propose the most convenient solution.
We make training and transparency two pillars of our activity: with Loans & Financing you can be sure to contact a trusted contact person immediately .
4. Personalized and accurate advice
It is important to accurately analyze the specific situation of those requesting a loan: the advice must always be related to the person and their income situation.
Very often a hasty and generic analysis involves the issuance of a loan at conditions that are not really advantageous, with installments far exceeding the real ability to pay of the applicant .
All this leads to difficulties in meeting the deadlines and, more generally, in terms of loan sustainability.
A personalized and accurate consultation allows the loan to be calibrated in full respect of the applicant’s real ability to pay, thus supporting the financial serenity and sustainability of the loan .
5. Clear conditions, no hidden costs
For the purpose of evaluating the estimate, it is undoubtedly relevant to have the conditions and all the costs relating to the disbursement of the loan available in a clear and unambiguous manner .
A reliable interlocutor does not need to hide anything between the annotations, often written with such a small character that it would be illegible even through a magnifying glass.
It is really important to know the real conditions of the loan in order to be able to serenely choose a solution rather than another.
The TAN (Nominal Annual Rate) is the pure interest rate applied to a loan. However, to compare the various offers, it is important to consider the PRA (Effective Global Annual Rate), which considers the TAN plus all ancillary costs for managing the loan. These ancillary expenses may include items such as preliminary investigation costs and any insurance linked to the loan, increasing the total costs to be incurred.
As witnessed by 95% of satisfied customers , with Loans & Financing there are no surprises: costs and conditions are clear from the beginning for a transparent, practical and protected loan .
6. A person and not a number
Finally, perhaps the most important thing is to find a consultant in front of you who cares about the satisfaction of those who ask for the loan and wants to find the solution that best suits their economic situation.
It may happen that the primary objective of the agent is to “make numbers”, thus reducing his intervention to a simple calculation mostly done automatically by the estimators. But a reliable interlocutor knows that the most important thing is to find the solution that best suits the customer’s needs , and for this he carefully evaluates the offer in order to offer the best.