My WordPress Blog Fri, 15 Mar 2019 15:26:54 +0000 en-US hourly 1 Loans to Protesters and Unemployed Bad Payers Fri, 15 Mar 2019 15:26:54 +0000

Loans to protesters and unemployed bad payers are possible? Under normal conditions, a credit institution or finance company to provide a loan requires certain guarantees to prove a certain and demonstrable income, namely the pay slip, the pension slip or for the self-employed the income tax return. However, loans without a pay slip or pension as collateral become particularly difficult to obtain if the databases consulted by banks and financial institutions in the preliminary phase to assess the creditworthiness of the applicant have been reported negatively in the appropriate databases: how to do in these cases ? In the guide that we propose below we try to explore all the possible ways to finance loans for protesters and unemployed bad payers presenting alternative guarantees, and try to get the necessary capital to solve their problems and carry out the projects you have in mind.  An editorial over at

Loans changed for the unemployed

Loans changed for the unemployed

The most convenient solution for loans to protesters and unemployed bad payers, the one that has the greatest chances of disbursement, are the so-called loans, non-finalized loans that various credit companies propose for those who cannot have normal access to loans and mortgages : in this way a capital is obtained quickly, to be repaid precisely through bills of exchange that expire each month. The bills, unlike the classic installments of a personal loan, they are debt securities issued in the form of “drafts” or “promissory notes”, on which a stamp must be imposed, and must be signed and completed in all their parts, including the indication of the support bank. The rate applied is fixed and the installments are constant, but the deadline can be postponed by agreement between the parties. The most important feature of the bill, however, is that it allows the creditor to immediately initiate a procedure for the attachment of the debtor’s assets in the event of failure to pay the fees, without having to wait for the go-ahead from the court judge. With a loan with bills a protested unemployed or bad payer can request between 2,500 and 50,000 euros, choosing repayment plans varying from a minimum of one to a maximum of 10 years: let’s see in detail how it works.

The requirements to obtain them

In theory, access to the loan is less difficult compared to a normal personal loan, as this form of financing is virtually open to everyone, although in particular the number of customers interested in this loan, which usually has a much higher interest rate compared to a normal loan or salary-backed loan, it is characterized by subjects who for various reasons cannot obtain a normal personal loan from a bank. To obtain a loan, you must still present as a guarantee:

  • Copy of an identity document
  • Health card or tax code
  • Copy of TFR if you are an employee
  • Copy of the tax return for the self-employed
  • Signature of a guarantor for unemployed

A guarantor who is responsible for paying the installments in the event of insolvency on the part of the loan holder is usually required for the unemployed, who can thus hope to actually get a sum of money that a classic bank would certainly deny in the absence of necessary guarantees. Often a life insurance policy is also required, which necessarily involves an additional cost on the overall loan: to assess the actual convenience of the loan with bills it is advisable to always carefully observe the APR, the Global Effective Annual Rate, a percentage value that indicates the set of costs and tax burdens on the customer: the higher its value, the more expensive it will be to subscribe to the loan.

Advantages and disadvantages

Advantages and disadvantages

Are the loan changes really cheap? It is not easy to answer this question, we must consider as a starting point that trying to get loans for protesters and unemployed bad payers is not easy at all, and sometimes this is the only real prospect possible for those who find themselves in these delicate situations. However, wanting to parameterize the pros and cons of the financial transaction, here is a list of possible advantages for those wishing to stipulate financing with bills:

  • Possibility of payment to protesters and bad payers
  • Quick time for preliminary investigation and disbursement
  • Amounts of money with substantial amounts
  • Variable repayment times
  • Possibility to postpone and renew bills of exchange

As we have already anticipated, there are also the disadvantages of these promissory notes or exchange notes if you prefer, among which we highlight:

  • High interest rates and ancillary costs
  • Very often the need to take out an insurance policy
  • Assignment of assets even in the event of failure to pay a single bill of exchange

If there really are no other alternatives, it is perhaps worth taking the risk and signing loans that have been loaned by protested unemployed or bad payers, but it is also possible to evaluate other financial routes, which are not easy to cover, but which could allow them to obtain even a sum small presenting alternative guarantees, without running the risks inherent in the loan with bills of exchange.

Loan with guarantor

Loan with guarantor

Addressing a credit institution or financial company without guarantees such as a pay slip, and even more so with negative reports such as protesters or bad payers, it is not possible to obtain any kind of financing, but if you have a person with solid economic guarantees and a proven one. creditworthiness you can try to obtain a surety, so a third person acts as guarantor for the applicant. This solution is usually proposed for young people, those who are not registered by the databases because it is the first request for a personal loan, or have excessive borrowing: it is therefore worth making an attempt to request loans to protested unemployed and bad payers under this form. From a technical point of view the loan with guarantor is a double signature loan, so this third person, who is generally a family member also by preference of the bank or financial institution itself, assumes the responsibility deriving from a possible insolvency of the personal loan holder. This means that in the case of unpaid installments, the third party guarantor of the loan is obliged to pay the aforementioned installments by the deadline established with the financial company or credit institution, and as indicated by the repayment plan.

How the financing works

How the financing works

In the event of non-payment of installments, the guarantor is not informed by the funding body, but as a co-responsible manager it is up to him to check that there is a regular repayment by the owner of the loan, since it is his own interest so that he does not have to pay in place its provisions in depreciation. How do you request a loan with a guarantor? Simply go to the finance company presenting the documents certifying the guarantor’s income, which will then have to sign the loan contract with the applicant: before giving the final green light to the loan, the bank or financial body verifies the creditworthiness of the applicant by checking that he himself is not protested or bad payer as the applicant. In fact, the lending institution must be sure not only of being able to make claims against the guarantor in the event of non-payment, but must lower the potential risk of insolvency by avoiding having to rely on courts and collection agencies to resume what was provided.

Characteristics of the guarantor

Characteristics of the guarantor

Now let’s see what must be the characteristics of the guarantor recommended by the experts of the sector, so that they increase the chances of obtaining a capital: this third figure should be

  • A first degree relative, better if living in the same household or spouse or partner, since the family relationship is considered one of the requirements that give added value for the success of the application
  • A subject without negative data in the databases and not being excessively indebted
  • Have a certain and demonstrable income, able to sustain the amortization of the debt

Furthermore it is good that the guarantor of a personal loan is aware of some details of the financial transaction that could reverberate in his credit future. In detail,

  • If the guarantor in the near future needs to request a new loan, the current one must be paid regularly, otherwise it runs the risk of a rejection of the loan application.
  • The current personal loan installment reduces the percentage of monthly income calculated for the repayment of new loans
  • The guarantor will have to worry about the regular amortization of the personal loan for which he has signed as co-obligated as the funding body is not obliged to inform him of the missed or late payment of the installments, resulting in this sense when there is only a mere courtesy action

How to apply for a loan for unemployed without a guarantor

Whoever is in the condition of not being able to apply for a loan with guarantor, and would not like to venture into the payment of a loan with bills of exchange, can try to submit a personal loan application with real guarantees alternative to the classic ones like the pay slip, and this wants to say that the unemployed person must play with strength by making their own movable and immovable assets available to protect credit: it is not at all obvious to obtain loans for unemployed bad payers and protested in this way, however if you want to try to get a sum of money with such alternative guarantees, here are the possible solutions:

  • Mortgage on a building
  • Income from a restricted capital
  • Credit on pledge

Let’s briefly see the advantages and disadvantages of each of these three possible alternatives.

Mortgage on a building

Having a property owned is a very solid guarantee for an unemployed person looking for a loan, as it is possible to apply for a mortgage through this property without losing possession of the property, but there are contraindications: the mortgage on the home in fact it is usually accepted by a credit institution only in the face of a very high amount of money, since in the event of insolvency the bank must put in place a complex procedure to recover the money through the asset, and there would be no convenience in case of a modest amount of financing.

Confined annuity

Having any form of annuity on a tied-up capital can help to obtain a loan, without thereby dissolving the interest-generating bond and which may not be convenient to release. However, there are sufficiently stringent conditions for a credit institution to grant the green light for financing with this form of guarantee: in fact during the preliminary investigation phase, the financial company will request the applicant to have certifications that guarantee the ownership of the aforementioned income by the applicant for the entire agreed period for the complete repayment of the debt including interest, otherwise the refusal to proceed with the disbursement of the capital required.

Pledged assets

Speaking of real guarantees, it is also possible to make a pledge of tangible assets available to obtain a cash loan corresponding to the estimated value of the asset itself: in this case there is first an evaluation of the asset to be committed, and subsequently the appraisal is disbursed the capital. In case of regular payment of the debt the legitimate owner of the asset will regain possession of the assets committed at the end of the depreciation, while otherwise the financial company is in the need to auction the material property offered as a pledge, so as to get back the disbursed capital.



We must be aware that requesting loans to protesters and unemployed bad payers involves many difficulties in obtaining a capital, since the complete absence of income guarantees, with the addition of negative reports to the end-to-end knowledge company or the Registry of Protests, put the subject applicant in an extremely delicate condition. The best way to be able to see even a small sum of money is to try to request a loan with bills through a guarantor, while already turning to a credit institution, even with a third person with solid guarantees in support of the demand, does not ensure no green light for financing. There are not many ways to go as we have seen in this guide, but at the end we can also suggest the possibility of contacting an expert consultant to find together the best solution for your individual case, and at the best possible financial conditions.

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Instant Loan With Guarantor – Quickly Finance Big Wishes Thu, 14 Mar 2019 14:46:16 +0000

An instant loan with guarantors is no longer an instant loan. An instant loan is usually processed with an automated check procedure, which ensures fast loan requirements.

Loan seekers must then have a perfect credit rating. Those who can not meet the bank’s credit requirements will ask for an instant loan with a guarantor.

The most important thing – read quickly

  • Instant loan is a promotional term and not a real loan product
  • The fast credit online is based on the sufficiently good credit rating as well as the fast application path
  • Check now which fast loan is actually eligible for you
  • For this please apply – without any obligation – for your desired loan via the comparison

Instant loan with guarantors – prospects

instant loan with office

Instant loan with guarantors – show strength together

Fast credit needs secured an instant loan. This loan is subject to an automated test procedure and is readily available.

However, customers must have a perfect credit rating and meet the bank’s requirements. This is in addition to a sufficiently high income a permanent job that already exists for several months.

Also important is the clean private credit. If the customer fulfills these requirements, nothing stands in the way of an instant loan.

If the loan seeker can not meet these conditions, he can succeed with the help of a guarantor of the loan request. Thus, the credit rating is increased with a solvent guarantor.

But then there will be no immediate loan with guarantors, because this loan is checked in individual cases. In question is then an installment loan from the house bank or a loan from an online bank.

If you are looking for a loan in a strained financial situation, you should think again about borrowing.

Instant loan with guarantor – guarantee

Instant loan with guarantor - guarantee

Those who do not receive credit without help from others should check their financial position again. If the bank requires a guarantor to succeed in lending, a stranger is drawn into the desperate financial situation.

The guarantor reduces the default risk and the bank secures itself with a guarantor against a loan default. If a loan is made that way, the risk of over-indebtedness could be overlooked.

Therefore, loan seekers should first check their monthly budget. The revenue should be counted against expenditure.

Only if a surplus arises from this calculation, a loan search can begin. However, if the bank has reservations about the budget, it will ask for a guarantor.

Move credit requests?

If the bank requires a guarantor because the conditions imposed by the bank are not met, the loan request should be postponed. Especially when, for example, a fixed-term employment contract exists.

Neither the loan seeker nor the bank know what comes after the time limit. If the customer becomes unemployed or is taken over.

Uncertainties lead the banks to reject a loan. Even if unemployment is in sight, a loan should be waived.

Finally, the income is reduced to 60%, which often no longer allows installment payments. Rates should always be chosen so that they can be paid even in times when income is limited.

Affordable rates only arise when the runtime is selected longer. Loan seekers on this loan should assume that they are only granted a smaller loan. The amount of the loan is based on the economic situation.

Do not underestimate the risks of the guarantee

The instant loan with guarantor already signals a bad credit rating. A guarantor secures the credit with his fortune. Banks in most cases require a direct guarantee.

This means that if the borrower no longer pays, the guarantor is immediately called to account if there is a loan default. In the case of the enforceable guarantee, the borrower does not have to prove that he can no longer pay the loan.

The guarantor must do this immediately. A guarantee should therefore only be given if the guarantor can pay any installments from his funds.

In addition, he should know that the guarantee is registered in his private credit, which can reduce his credit rating. So it could be if he himself needs a loan, that he must then name a guarantor.

If you have a guarantee, the motto should be ” Trust is good – control is better. ” This means that the guarantor will do well to gain insight into the finances of the borrower.

Thus, it can be determined immediately if a rate has not been paid and act on the borrower to do so. Important to know that the guarantor must have a clean private credit in addition to the sufficiently high income.

Instant loan with guarantor – how fast is the loan

With an instant loan, many loan seekers assume that the loan will be ready in minutes. But a Sofortkredit promises only that the loan application is processed immediately.

Banks that do not grant an instant loan, the processing takes a few days. Once the customer has submitted the necessary documents, the processing begins.

The bank checks whether the customer meets the requirements or whether a guarantor is needed. So the submission of a guarantor should be submitted immediately.

Any request for documents delays the credit decision.

Instant loan with guarantor – conditions

Instant loan with guarantor - conditions

If you apply for an instant loan with a guarantor, you should not only pay attention to the interest rate but also any special repayments. Especially if the borrower receives special payments from the employer during the year, this option is important.

Even those who expect a payment of his life insurance should pay attention to special payments in the loan agreement. Special payments have a certain property, often they are only allowed once a year.

But to be allowed, they should be included in the loan agreement. Of course, the interest rate is important.

With a guarantor, loan seekers, like other borrowers, can benefit from the low interest rate. Before a loan application is made, but a credit comparison should be made.

Instant loan with guarantor – loan comparison

With a credit comparison, after entering the loan amount and the desired term, not only the amount of the credit installment can be determined. The interest rate is also evident.

Depending on which maturity is chosen, the interest rate changes as well as the credit rate. It is also important to be able to see in the terms of the individual providers whether the credit rating is sufficient to obtain a loan without a guarantor.

The use of a guarantor evaluate providers very differently. But additional options and costs can be determined with the comparison.

The exact interest rate, however, customers only when a personal loan request is made.

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Loan for Pensioners Wed, 13 Mar 2019 14:37:08 +0000


Anyone who has done his day-to-day work as an official can be lucky. Officials are considered very reliable and accurate when it comes to completing tasks. In addition, officials can look forward to a permanent job and a very attractive salary, which even after the active time as an official still leaves its mark. Because after work comes the pension. And for civil servants, this means they will become pensioners.

But not only civil servants are allowed to call themselves pensioners. Also for all employees of the civil service, this term applies when they go into well-deserved retirement. If you look beyond the country’s borders to Austria, you can see that the term “pensioner” applies to all pensioners – no matter where they were employed or employed.

In Germany, however, the group of pensioners is quite clear compared to conventional pensioners. Despite all this, they have just as many desires and dreams as any other human being. After all, they have worked most of their lives and now want to enjoy the evening of life to the fullest.

Travel, a new home decor, a lot of time with the children and grandchildren, elaborate hobbies and much more are now on the plan. So all those things for which during the work phase sometimes insufficient time was available.

Unfortunately, all these things cost a lot of money. And even if a pensioner has a good pension and has certainly provided in advance for the old age, it can happen that one or the other wish with the help of existing financial resources can not be met. Then you have to see where the money needed for this can be taken. If you are lucky and have enough support, you will find this in a loan for pensioners.

What is a loan for retirees?

What is a loan for retirees?

A Pensioner Loan is a loan that targets only former civil servants and civil servants. It is tailored to the needs of these professions and adapts to borrowers not only in terms of loan amount and term, but also in the way it is provided.

A “normal” pensioner can therefore not take out a loan for pensioners. He has to move away from offers for civil servants and civil servants, as he did at the time he was still working, and use all those credit offers that are not specifically tailored to the profession.

In general, however, a loan for retirees is a classic installment loan, which is equipped only with certain attributes. However, it has to be serviced by the borrower on a monthly basis and is adjusted individually depending on the age and preconditions of the borrower.

Why is this so hard to find?

When giving a loan, the age of the borrower always plays a central role. The banks and savings banks see this as a security risk and therefore always look that their borrowers in terms of age is within a certain range. If he is too young, he may be too lighthearted with the money and does not care about the repayment. If, on the other hand, he is too old, age, illness and, not least, death can be a hindrance to repayment.

For a loan for pensioners, this is no different. The loan is aimed directly at people who are at least 60 years old. So a risk group – so definitely the opinion of the banks. Therefore, it is not easy to find a good loan for retirees. In the best case, as a pensioner, you adapt yourself a little and seek support to actually put the loan into action at the end. Otherwise, it can happen that despite good pension no loan can be taken.

How can a loan be taken for pensioners?

How can a loan be taken for pensioners?

If you want to take out a loan for pensioners, you have to adapt a bit. Because the banks are quite unique and not willing to compromise. So it is always advisable not to set the loan amount and the term too high. It is also advisable to provide sufficient collateral to reduce the risk of default.

In the case of earmarked loans such as a reorganization loan for one’s own property, the property would always be considered as collateral. When buying a vehicle, the extra security would be the vehicle. Anyone who chooses a consumer loan will be able to offer the goods, which are thus financed directly through the dealer, as collateral. For all these loans, it is therefore sometimes not important that in addition to the collateral mentioned even more collateral be named.

However, if the loan for retirees is a non-earmarked loan, there will be no collateral set from the beginning. Here the pensioner has to look for himself, how he secures the credit.

The easiest way to do this is when there is a second person who takes the loan together with the pensioner. At best, this is a younger person who has a steady life, good income, and is not too close to retirement age. If this second person joins in as a guarantor, the credit for pensioners is optimally secured and should not cause any problems even if the loan amount is slightly higher.

On top of that, you should always look for special offers for former civil servants or civil servants. The interest rates are usually lower than with the regular offers and the repayment can be made more individual. In addition, the Seebill Bank, which exclusively grants loans to civil servants and civil servants, provides credit for pensioners. The conditions are very special and quite worthwhile. It is therefore always worth considering such an offer before starting a regular loan.


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