There is a solution for obtaining credit even if a refusal has been received from other operators: loans remitted at home. They are fast personal loans, to be repaid by signing as many loans as the agreed installments, at home, in front of the finance official who delivers the money personally, by bank draft.
What are IOUs?
The promissory note, also known as a promissory note or simply a promissory note, is a real credit.
How do they work?
The promissory note is a real title that can be bought in businesses that sell revenue stamps. Contains an unconditional promise to pay:
- a sum indicated;
- at a predetermined date;
- in a current account already defined;
- by a subject, who is the debtor and is the one who issues the promissory note:
- with respect to another subject, the financial body which is therefore the beneficiary.
Both parties sign the bill: both the debtor and the beneficiary for acceptance.
Each title must be carefully completed, signed and stamped.
How much does a bill of exchange cost?
The promissory note itself is free, its cost is linked to the electronic stamp, stamp, which must be purchased and affixed to the bill of exchange. The law provides for a stamp duty of 11 per thousand of the value of the payment promise indicated.
A promissory note with a payment promise of 1,000 USD, to be valid, must have stamped stamps for an amount of $ 11.
The beneficiary financial institution does not accept the title unless properly stamped.
How do I pay a promissory note?
The perfectly completed, signed and signed promissory notes are kept by the financial institution directly. In the days leading up to the deadline, about a week before – the financial company gives the bank the title and asks it to credit the agreed amount.
The beneficiary’s bank sends the security to the debtor’s bank who proceeds to debit the debtor’s current account.
If the current account has sufficient capacity, the amount is debited regularly and transferred to the beneficiary. The title is considered paid.
If, however, the debtor’s funds are not sufficient to repay the promised amount, in addition to being reported in the Central Banking Alarm, one is protested.
The beneficiary, in fact, who does not receive the amount due to him can contact a bailiff and report the failed payment of the title. All this is an element that constitutes the prerequisites of a real protest, with all that follows.
In the event that the debtor doubts that he is able to pay the amount due due to lack of funds, he must quickly contact his beneficiary asking him not to present the promissory note for collection and promising another type of balance for the amount, for example a new bill of exchange expiring later in time.
The beneficiary is obviously not obliged to take this request into account.
How do loan changes work?
Exactly like the personal loans not finalized, with the difference that the installments are paid through the immediate issue of all promissory notes for each of the agreed installments.
What are the characteristics of the loans being loaned?
These fiduciary loans normally have a fixed rate and a constant installment.
Furthermore, the interest rates that are applied are generally quite high – obviously as a risk premium for the financial companies that choose to lend on these conditions.
- Product: home loan loan
- TAN Fixed: 12.91%
- Withdrawn amount: $ 4,000
- Destination: any
- Monthly installment: $ 190 x 24 months
- Cost for mandatory stamps: 2.09 x 24 = $ 50.16
Applicants are not required to provide any details on how they intend to spend the amount received, and, generally, the times for delivery are fairly rapid.
For example, quick change loans require a maximum of 4-5 days to grant the disbursement.
This type of loan is also compatible with the simultaneous presence of other loans in progress, obviously the fact that there are other loans to be repaid is an element that the financial company will evaluate before granting the loan.
Loans can also be repaid early and repay without penalties.
What are the requirements and guarantees you need to apply for?
The loan can be requested by any category of worker and, sometimes, it can also be granted to unemployed or housewives.
The possession of an income and a portion of severance pay set aside, normally, are sufficient elements to obtain it, in the other cases an extra guarantee of a third party is required to pay the debt if the debtor has difficulties.
It is quite common knowledge that this type of financing is addressed to the so-called bad payers, or rather those who have reports of delays and insolvencies in the credit databases, and also non-EU workers in possession of the residence permit.
It is also possible that, for protection, a financial company requires a life insurance policy that repays the debt in the event of the debtor’s death.
What amounts can be obtained?
The amounts granted may vary from a minimum of 2,500 to a maximum of $ 30,000; with durations between 12 and 120 months.
Longer durations are, however, rarely granted and only in the presence of a guarantor.
The loan amount is delivered to the debtor’s domicile, in person by a financial officer who gives a bank draft. At the same time, all bills of exchange are signed and withdrawn for payment of all installments.
Who delivers quick loans to your home?
There are very few financial companies that consent to provide this type of loan, but there are some throughout Italy.
The reason why they are so few is connected with the difficulty of managing the whole process of conservation and presentation of bills in the bank. The following are the contacts of the subjects who have the loan changed between the available products: for a quote it is recommended to hear the bodies directly.