Tips to Get a Personal Loan

No credit is not something that only citizens perceive or do the statistics, even the CEO of Banesto has been recognized in the last presentation of results. Still, we see posters in banks or advertisements on television or internet offering these loans

banks know they need to increase business not to see his paralyzed activity, but also want their delinquency increase and the worst is that when considering the granting of credit, wins the second premise. the criteria by analyzing the feasibility of a loan are increasingly rigid and guarantees required wider. often one would say that banks are only willing to lend to those who do not need them

Is there any way out?

from the comparison of banks, you some tips when raising a financing transaction:

1. select the smallest quantity to order the criteria to measure our ability to go into debt are stricter, so unlike a few years ago, we must ask for the money strictly necessary and forget to ask for extra money

2. justify spending: Always accompany a quote or pro-forma invoice we want to pay that money and reason why the loan. reforms, vehicles or studies are more valued than, say, trips

3. payroll, the best guarantee: in personal loans, guaranteed income are our marriages if married in community of property, while both, so that recurring and stable income is a very important point. have a permanent contract and seniority are currently inexcusable requirements

4. return it as soon as possible: it is a difficult balance, since the ability to pay means that in theory is valued more pay less fee. but if the time is cut as possible, pay less interest and amortize faster, which is safer for the bank

5. repayment insurance and payment protection, a mandatory condition: even for small amounts, life insurance guaranteeing repayment of loans in the event of death or disability are compulsory recruitment. also usually "force" an insurance payment protection, which covers fees for one year in case of staying unemployed

6. Additional guarantees: in the case of a personal loan means more involved or guarantors. properties to provide guarantors, pledge (guarantee payment of the loan with other assets) shares, deposits or other relatives liability products is guarantee of success

the least possible amount, the minimum period and maximum guarantees, in the current environment are key points to finally get a personal loan