williamlawrance: 1-Hour Payday Loans

1-Hour Payday Loans

24 Апр 2020 в 03:33pm

Before going to any of these entities to request financing, you should take into account that depending 1-hour payday advance on the amount you request and the type of loan you will have to meet a series of requirements. Among these, the most common are:




  • Be of legal age .




  • Have a valid identity document (DNI, passport, driving license ...)




  • Explain the exact amount you need and the purpose for which you are going to use the money.




  • Demonstrate solvency .




  • Do not exceed your maximum debt capacity .




  • Debt refund guarantee . In most cases, with personal loans, you do not usually ask someone to guarantee you so, in case you do not pay, it will be you and not someone else who responds with all the income, rights and assets present and futures.




  • Proof of income request . If you are self-employed, you will need to provide your self-employment registration certificate, the social security fee or your last VAT declaration, while if you work for someone else, it will be enough for you to show your last two or three payrolls. If, on the other hand, you are not working but you have recurring income, you must also prove it.




  • Photocopy of the personal income tax declaration , that is, the tax declaration.




  • Employment contract . Sometimes you may be asked for a copy of the employment contract. Whether it is indefinite or not will be one of the keys that will be taken into account when approving or denying you the loan.




  • Not be included in any list of defaulters such as ASNEF or RAI.




  • Have no current debts with defaults .




  • Deeds of your house, rental agreement, declaration of assets or sworn declaration of your assets, sometimes.




In addition, as you can see, it is not surprising that in order to give more favorable conditions or even to be approved by the concession, "demand" or "advise" that you contract other products with them or that you take your money there. For example, they may ask you:




  • Direct debit payroll




  • Direct receipts




  • Loan amortization insurance




  • Pension plan




  • Car insurance




  • Home insurance




If you do not comply with any of them, do not think that everything is lost and that you will not be able to obtain financing. However, it is true that the conditions to give you money may be tougher, requiring guarantees or applying higher interest and fees.


 


Once you have decided that you need financing and you have an approximate idea of ​​the amount that you are going to request, you should study whether it is convenient for you to take out a loan or credit . Although you think it is the same product and use both terms interchangeably, they are not really the same.


Between requesting a loan or requesting a credit there are several differences and, depending on the amount of money you need, the use you are going to give it or the documentation you have to provide, it will be convenient to choose one or the other.


 



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