Who already has a loan can request another one?

After a period of sharp contraction in response to the economic crisis, which culminated in February 2012 with values ​​close to -20%, the demand for loans from households is once again gaining strength, thanks to a new confidence gained and interest rates particularly convenient, as evidenced by the best October loan offers published a few days ago on Credither.

Thus it happens that the liquidity requirement leads to the need for a loan even though it already has one in progress. It is good to say that it is not the number of open loans that makes the difference, but the ratio between the net income and the amount of the installments to be paid.

The response of the bank or lending institution will take into account some crucial assumptions:

– that the applicant has sufficient income to cover also the second loan;

  • that his credit position does not include delays or reminders.

Loan installments

Loan installments

Specifically, the part of income used to cover the loan installments should not exceed 20-25% of the overall availability and the debtor should not have received reports from the Central Credit Register due to delays or missed payments.

The Central Credit Register is an information system on the indebtedness of customers to banks and financial companies, with the role of improving the process of assessing the creditworthiness of customers, so as to facilitate access to credit for customers only “deserving”: reporting by the Central Risks as bad payers will preclude the possibility of obtaining further credit, if only in the short term.

A single case in which the committed percentage of income can exceed 20% and reach up to 40% of the revenue essione the assignment of the fifth with a delegated loan, or double fifth, a second loan that will take an additional 20% of the salary, coming to measure two fifths of net monthly revenue.

However, the amount of the transfer can only increase for employees, as the employer pays the extinction of the loan by withholding the amount from his employee’s pay slip.

If you have more open loans and need a further loan, you can instead resort to debt consolidation, a solution that allows you to pay off all the loans in progress by combining them into a single, lighter monthly installment, with competitive interest rates and with the possibility of extending the duration of the operation. The maximum amount obtainable varies according to the profile of the applicant and the characteristics of the requested loan, but canceling the existing debts and eventually extending the repayment plan, the remaining amount is assigned as additional liquidity.

The requisites necessary to apply for a consolidation loan are permanent employment, a working seniority of at least 12 or 24 months, the absence of protests, foreclosures or enrollment in the Central Risks.

Compare the best consolidation loans

Compare the best consolidation loans

On Credither it is possible to compare the best consolidation loans, finding the most convenient for each specific credit requirement.

For example, if we simulate a request for 10,000 euros from a 40-year-old employee residing in the province of Milan, the best consolidation loan at October 7th is the Numbty loan. Personal Credit, in fact, has a monthly payment of 171.22 euros per fixed Tan of 11% and Taeg 11.66%. The initial costs are € 16, while there is no preliminary investigation fee.

If the sum of the debts to be consolidated is more important, for example of 30,000 euros, requested for a duration of 84 months by a 40-year-old employee residing in the province of Rome, the most convenient solution is still that offered Numer at a monthly cost of 513.67 euros, a fixed Tan of 11.00% and Taeg 11.60%. In this case, too, the costs are € 16 and no preliminary costs are paid. At the time of the submission of the online request there will be a pre-assessment and in the event of a positive outcome, the applicant will have the opportunity to choose whether to go to an Bankate branch where they can complete the investigation of the case, or receive at their home the precompiled contract, sign a copy, attach the indicated documents and send everything to the financial company.

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