Loans without assignment of the fifth
Non-finalized loans are highly sought-after products, for the simple fact that they do not oblige customers to present proof of expenses made with the amount requested. Among the most valid solutions in this regard are personal loans without assignment of the fifth.
In the category of personal loans without assignment of the fifth, it is possible to include the changed loan. It is a product that, for some years now, has started growing again from the point of view of requests.
This is not surprising, since it is a very interesting solution for those who do not have a paycheck for reasons of unemployment or because of exercising a profession as a freelancer.
It is very important to remember that the changed loan represents an advantageous way also for those who are registered with checker as a bad payer or protested. The disbursement, in fact, is not subordinated to the control of the databases.
How the changeable loans work
The personal loans without assignment of the fifth see in the changed loans a doubtless valid solution. What is the primary peculiarity of these products?
The fact of relying on the signing of promissory notes, enforceable securities with a forced nature which, at the customer’s discretion, can be converted into cash. The forced nature allows the credit institution that provided for the issue to retaliate on the client’s assets in the event of an insolvency.
It is very important to specify that the promised loan, which can last up to 120 months, is at a fixed rate. The interest is slightly higher than the average, as the accessibility by customers without a paycheck and by the checker members makes the promissory notes of the loans at risk of insolvency.
It is therefore natural that credit institutions seek alternatives to protect themselves and the increase in the interest rate is one of them. Obviously, given the characteristics of this loan, before taking out a loan, you must be absolutely sure that you can repay all the installments.
Online loans without assignment of the fifth
Loans without assignment of the fifth also provide several online solutions. Some of these, such as Capital Lender loans, can be requested directly on the web, by uploading income and identity documents on the official website.
Capital Lender loans respond to different purposes and one of these is precisely that of non-finalized loans, which provide for the possibility of accessing a maximum amount of 60 thousand USD. The amortization plan, on the other hand, can extend for a maximum of 120 months (10 years).
Capital Lender’s personal loans
Loans not aimed at Capital Lender are among the best solutions to consider when it comes to personal loans without assignment of the fifth. How to request them? Simply by accessing the credit institution website, drawing up the estimate and proceeding with the request.
After the regular payment of six installments, it is possible to take advantage of the minimum installment. Thanks to the Change Installment option, in fact, you can change the amount of the monthly installment to your liking. The option can be used once a month for the duration of the loan.
Regarding the installment amount limits, Capital Lender indicates to the beneficiary of the loan a minimum and a maximum amount within which it is possible to decide the amount of the monthly payment to be repaid from time to time.
Beneficiaries of a Capital Lender personal loan can also take advantage of the Astro Finance option, which allows you to skip the payment of a month that is moved to the end of the amortization plan. Both the Skip installment option and the Installment Change do not involve costs and can be active after the regular repayment of at least 6 installments of the loan.
Quote and loan request
Capital Lender personal loans can apply for all subjects resident in Italy between the ages of 18 and 75 and in possession of a demonstrable income. The request is completely online and requires the sending of very few documents:
- identity document
- document certifying income
- fiscal Code.
On the official financial website there is also a form to carry out online simulations. To give an example of the conditions applied to Capital Lender loans, we assume a request of 2 thousand USD. In this case, the customer can choose different solutions, such as a 48-month plan, with a monthly payment of 50.20 USD and TAN and APR are equal to 9.45% and 9.87% respectively.