The use of credit through the request for personal loans has now become a solution adopted by many consumers, even by those most in difficulty, and there are numerous financial products on the market: loans for pensioners, protesters and atypical workers now support those more classics dedicated to the most protected employees and workers.
Of course, there is no denying that if you belong to the category of bad payers or protests, it is much more difficult to get personal funding. In these cases, in fact, they are registered in the registers of the risk centers or in the computerized register of Protests which are regularly consulted by the credit institutes before granting loans to their customers, in order to verify their economic capacity.
Are there alternatives to the assignment of the fifth?
In recent years, however, banks and financial companies have studied ad hoc solutions to grant personal loans to protests and bad payers precisely to meet those increasingly numerous consumers who find themselves registered in the aforementioned registers because maybe they are not managed to pay some installments of a loan in progress or were unable to cover a check or a bill of exchange. It is therefore important to know that it is possible to obtain loans for protested pensioners without the transfer of the fifth or loans for self-employed workers without a paycheck .
Let’s see together which are the most effective solutions.
Protested personal loans: the surety
One of the simplest methods to be able to have access to personal loans even if you are protested, valid for both employees and retirees and for self-employed workers, is the guarantee, or a personal guarantee given by a third party who undertakes to pay the amount due in the event that the applicant cannot cope with it. The guarantor is in fact obliged, in the event of default of the contract holder, to pay the established sum.
Anyone can offer collateral, a relative, a friend or even a simple acquaintance, as long as they can demonstrate a certain income and an impeccable credit reputation.
Loans for protested pensioners: loans changed
Another very popular solution for obtaining loans for protests without assigning a fifth even if one has protested is the loan promoted by private individuals. It is characterized by the signing of bills at the time of signing the contract, in order to guarantee the repayment of the loan; bills usually have a monthly basis, for a maximum duration of 120 months, and provide for fixed rate interest calculated on the amount.
Bills of exchange are enforceable securities and this allows the beneficiaries of the credit to be able to resort to the attachment of the assets in the event of insolvency by the owner (see also How the real estate attachment ). The loan promoted for protested pensioners or for self-employed workers without a paycheck can be disbursed thanks to the guarantee of signing the bills only.