Furnishing Loan: Request a Quote!
Do you want to buy the furniture for your home? You can finally stop choosing used and make your apartment new! Choose everything you like without worries. Astro bank is here to help you complete the action in complete tranquility. Rely on our company that has been operating in this sector throughout Italy for over ten years, always available to every customer.
Request a home furnishing loan quote now and get the liquidity you need. Within 24 hours one of our experts will be at your complete disposal. Reliability and solutions at your fingertips!
Furnishing Loan: What is it?
The furnishing personal loan is used to obtain cash profit housing, such as to furnish some or all of the house. There are two ways to request a furniture loan, or through personal financing, where liquidity will be credited directly to the current account, with the installments provided for in the contract, or through the finalized loan where the retailer establishes an agreement with a credit institution and the applicant must activate the loan which is bound to the purchase of the asset.
The sum is given directly to the seller and the buyer reimburses the loan. The maximum liquidity required is 30000 USDand can be extended with amortization plan up to 120 months. This duration allows you to request large amounts, while keeping the rate low. If you want to request a free quote without obligation, fill in the following form: Click here and entrust our experts!
Furnishing Loan: Who Can Request It?
The furnishing personal loan is accessible from all provided with a clean credit business profile. In order to get the funding must not result in any database as CRIF, CTC or Experian and considering that banks have the ability to access and consult the central risks of the Bank of Italy, there is no way out. All people with reports due for example to payment delays will be entered in the database, it will be impossible to access the loan even for protested.
Therefore they may request funding employees, pensioners and self-agedbetween 18 and 75 years at the end of the loan, so the credit is reserved for those who have the ability to repay the debt with a demonstrable income.
Furniture Loan: Because the request is rejected?
A credit institution rejects your personal loan application if you are registered in any database, this would therefore mean being a bad payer. This happens in case of reports or protests. Therefore the loan can be rejected for having paid the installments of a loan late or not having actually paid them, for having applied for a loan too recently and perhaps with a negative outcome, to have so many monthly commitments that lead to having a high debt or for have signed as guarantor for a loan in which the applicant pays badly the installments.
It is advised not to continue to make other personal loan applications after the first refusal, as the report remains in the database for30 days, it is therefore necessary to wait the time necessary for the cancellation, otherwise the second request will be automatically rejected and will increase the time of the name in the database. The protests instead result when a person has had problems with bills or checks, always for the delay or non-payment of the installments of the latter.
Furnishing Loan: What happens if I don’t pay?
Not paying for personal furnishing financing will lead to sanctions that should not be underestimated and start gradually. First of all, a penalty will be applied to the interest and installments not paid by the holder of the loan and consequently the notification will start from within the database which is accessible to credit institutions, therefore obtaining a loan afterwards will be very complicated.
As a result you will receive several calls and letters from a collection company and you may even find a debt collector at home who will try to get you to sign some check or bill. If you continue not paying, an attachment will be initiated in the event of incomeit will be applied directly on the pay slip or pension with mandatory retention, otherwise with an attachment of properties or assets. In this case you will be able to evaluate the possibility of proceeding through an outstanding balance.
Furnishing Loan: What to do if bad payer?
Are you a bad payer ? Are you having difficulty obtaining a personal loan because of a protest or foreclosure ? Astro bank has the solution ! If you are a state, public or private company employee with an open-ended contract for at least three months, or a pensioner with at least 600 USD of monthly income, you can get the cash you want thanks to the loan for the fifth home loan.
This loan allows you to request up to a maximum of 30000 USD, the installments will be freely chosen by you, obviously within the maximum limit of 1/5 of the net salary and the amortization plan can be extended up to 120 months, or 10 years. You can apply for funding from the age of 18 up to a maximum of 85 years at the end of the debt. The required liquidity will be credited directly to your current account, while the monthly payment will be automatically withdrawn from salary or pension, without any worries about having to remember the due date of the installment. Request now the loan furnishing to bad payers : Free estimate and without obligation!
Furnishing Loan: If I already have the fifth sale going on?
In this case, if you already have an assignment of the fifth in progress and you are a pensioner you have only one possibility, that is to renegotiate the current loan, to be able to do so you must have paid at least 40% of the installments.
Here is an example, if you made a fifth assignment for 120 months you must have paid 48 installments. In the case of employees, on the other hand, there are two possibilities: in addition to being able to renew the loan in progress, they can access additional liquidity through the ” payment delegation ” loan, which consists of a second withholding in payroll. In this case, 2/5 of the net salary cannot be exceeded and the reimbursement can be madeup to 120 months. Are you interested in verifying whether your fifth is renewable or a delegation of payment? Click here: Request a consultation and a free quote now!
Furnishing Loan: Do you need a guarantor? What documents do you need?
In case you choose the personal furniture loan, a guarantor’s signature is not necessarily required, but if in the previous loans it has always been a figure present or if income is not considered sufficient, another income may be requested. While in the loan for furnishing for bad payers, therefore the transfer of the fifth and / or delegation of payment no guarantee is required, as the income of the applicant is sufficient for the request.
If we were talking about the personal loan, the useful documents for a self-employed personare the tax return and identity documents, while for the assignment and personal loan the documents for employees are the last two payslips in possession, the cud and identity documents, for pensioners the cud and identity documents and if a pension slip was also required.
Furnishing Loan: Can it be paid off in advance?
It is possible to extinguish the loan before the deadline set in the contract, but in this case, in addition to repaying the remaining debt, the loan holder will be charged a compensation penalty, which by law cannot exceed 1% of the financed capital.
Furnishing Loan: Some tips
- Compare each time, before proceeding, the offers that each company can offer you, making sure you choose the best home loan.
- If possible activate an insurance policy that is able to protect you and your family in the event of unforeseen and unpleasant events such as job loss, permanent disability, death and similar events.
- Always ask for a quote, which must be free and without obligation. In order to compare with the other institutions the most convenient!
- Try also to check the tax benefits and bonuses available and if you want to evaluate also the home renovation loan
To request a free quote and without a loan loan, fill out the contact form with your data: Click here and entrust our experts! One of our consultants will contact you within 24 hours for a free evaluation of your profile and will explain all about the personal furniture loan.