Loans from A to Z | What else do you need?

The loan is a basic banking product, but it exists in a number of different versions. To meet different needs, situations and requirements. But how can you find the “mine” in that amount?

For a loan, don’t just look at the price.

For a loan is not only important if it is the cheapest. It depends on many factors from the type of loan, the repayment conditions, and the provider is also important. Therefore, first of all the broad offer needs to be divided into two main parts: bank and non-bank loans, respectively loans from banking or non-banking institutions, such as Zaplo, Homecredit, etc.

Bank loans

Bank loans

Bank loans: with standard banking institutions, which are subject to strict supervision by the Capital Lender.

Advantages:

  • credibility
  • lower interest – thanks to stricter CNB rules, banks can offer significantly lower interest on loans than non-banking institutions
  • any amount – if you meet the requirements, the bank theoretically lends you almost every amount

Disadvantages:

  • bureaucracy – processing a loan is usually quite lengthy, you have to submit several documents, the approval process is for a few days
  • obligatory account – some banks make the loan conditional on opening an account
  • control – some people are not happy about the fact that banks look into the register of debtors and require proof of income for the last year

Non-bank loans: these institutions also have to pass through a network called the Capital Lender, but the conditions are not so strict for them. This can sometimes be reflected in the quality of the products or solvency.

Advantages:

  • quick loan – thanks to the possibility to set up an online loan, the application can be processed almost immediately
  • simplicity – the loan can be easily arranged online or by phone
  • no registry – there are loans without income confirmation, no registry. Some institutions also provide non-bank loans to troubled or indebted clients

Disadvantages:

  • higher interest
  • limited maximum loan amount
  • lower credibility

And further?

And further?

If you have compared advantages and disadvantages and have chosen the type of provider, focus on the very purpose of the loan. Do you need a smaller amount and ideally without proof of income? There is a microloan or so-called payday loan, both up to $ 10,000. The sum of up to $ 15,000 will be lent, for example, by the so-called Japanese loan. There is a consumer loan or retail loan up to $ 500,000 to buy consumer goods or cars. Another option is an American mortgage, which is essentially a classic loan for anything (not only for housing costs), but where you guarantee real estate.

But the choice is far from over. There is a business loan (for natural persons), a revolving loan (credit card), leasing, (car purchase), a bridging loan (building savings loan), a home loan or mortgage loan, an overdraft loan (for a payment card ).

What do you need?

What do you need?

You have selected, now what do you need to handle the loan? First, make sure that you are able to repay the loan on time and it is really necessary. Debt for months or years for a new TV or vacation, think twice before and prefer savings. Make sure you don’t have the proverbial ball on your leg for a few useless things.

Banks that make loans with bills

List of banks lending bills of exchange or bank loan changed in 2019

Which Banks Offer Loans Changed in 2019?

Which Banks Offer Loans Changed in 2019?

We specify that not all banks apparently provide loans with exchanges. Not being able to go physically to all the physical offices of the banks and / or banking groups, we first of all made a careful research on the net involving banks. From the aforementioned research, a result resulted: they hardly land on the bank’s website. Then, we have not found any trace of advertising within the network, but, as you, too, you can note, there is not a single bank that advertises loans changed, both through traditional mass media and, materially, with their products advertisements posted on bank premises. What can I say… Are there banks that have changed loans during this 2019? And if so, what are they?

Banking institutions that provide loans with exchanges :

Banking institutions that provide loans with exchanges :

What are they? Before indicating them, a clarification: it is true that the core business of bank credit is concentrated on traditional personal loans, of which, however, the bills of exchange is a subspecies (in both cases you receive liquidity), however, from what they testify some Users in the specialized forums, any bank would make credit exchanged against suitable guarantees. What to do in these cases, how to behave? Well, the only way to find out if there is any bank that makes loans with exchanges is to personally check if it is like that, contact them one by one and ask if they are making credit. And what is the role of SociaPrestiti.it in this case? Therefore, we cannot indicate to you generically that “perhaps Bank X disburses exchanged loans” and leave you in doubt, but our task is to actually indicate to you some banks that disburse loans exchanged in the present 2019. And this we will do…

List of banks that make loans with exchanges :

List of banks that make loans with exchanges :

More than a list of banks, we have “found” a single bank that offers loans with exchanges, but it has the characteristic of being allocated practically on the whole Italian territory, everywhere.

We refer to the bank bcc loan changed. These are the Cooperative Credit Banks which for some years have also included the Casse Rurali and Artigiane and which, as you know, are all over Italy. As an example, we report some of their information sheets in pdf randomly taken from the network and connected below: we start from a Bcc of Friuli Venezia Giulia bcc of Martignacco, continuing with the Tuscany region with the bcc of Banco Fiorentino, going to the Marche with the bcc of Ostra and Morro d’Alba continuing further south precisely with a Bcc from the Lazio region, Frosinone area, with the Paliano bcc and ending, so to speak, with the Puglia region with the Alberobello bcc and in Sicily with the bcc of Valledolmo in the province of Palermo. For sure, those listed above are banks that are members of the Bcc circuit that grant loans changed in this 2019.

Other lenders that provide promissory loans :

Other lenders that provide promissory loans :

Among these it will be possible to find another list of bank lenders that grant a loan with bills of exchange, i.e. guaranteed by bills of exchange on lenders for loans promoted in 2019 while, others we have indicated them generically as institutes but in reality they are credit brokers and we have dealt with them, indeed, it is probable that you arrived on this page starting from these (agents and financial). If not, we show you the related link.