Monthly Archives: March 2019

Loans 15,000 euros: ask for a loan of 15,000 euros!

Loans up to 15,000 euros are medium-sized loans, which are rather in demand, which many banks and financial companies disburse without particular difficulty and are rather short times.

These are personal loans, therefore they should not be motivated when they are requested, because they do not finance the purchase of goods and services.

Generally speaking, it is a question of the liquidity required by those who have to face expenses that are starting to be demanding to be faced with the only savings and such that they cannot be paid with ordinary revenues.

Think of a wedding, a renovation of a building, etc.

money,cash
On average, the reimbursement could be around five years, since the figure would not be so high as to present difficulties in returning it. The installments are generally monthly and provide for the payment of an interest, as well as the other costs that affect any type of financing (preliminary fees, practice opening, sending installments, etc.).

However, unlike a small loan, already on a loan of around 15,000 euros, the other costs start to be spread over a higher amount and, therefore, the APR starts to be no longer so distant from the TAN, as happens for the loans of a few thousand euros.

Obviously, we are referring to the generic category of personal loans

personal loans

Because there are different concrete solutions, such as the assignment of the fifth, the loan delegation, etc.

To obtain a loan of up to 15,000 euros, you must have an income from work, self-employed or employed or receive a pension.
Therefore, it is essential to show the pay slip, if you are a permanent employee, the single model for freelancers and self-employed workers and the pension slip, for pensioners.

It cannot be ruled out that additional guarantees may be required, such as assets (mortgage on real estate) and / or signature (guarantee). But this would happen if the income was considered an insufficient requirement, in relation to the requested sum.
Also this type of financing can be found online and be included in the category of online loans, as well as fast loans or even small loans, even if the amount starts to be not so low.

Credit: how to get a loan?

Banks are often reluctant to give consumer credit to people on the job. However, finding a loan is not impossible in this case! The advice to obtain a loan with an interim contract.

In the same theme

  • Personal loan estimate
  • Simulate a consumer credit
  • Consumer credit comparison
  1. Interim, a risk profile for banks
  2. Get interim credit, it’s possible
  3. How to subscribe an interim credit?

Interim, a risk profile for banks

credit

Buying a car, household appliances, a journey, a project … It’s not always easy to subscribe to a consumer credit when you’re acting. Indeed, this status can scare banks and lenders for several reasons. Like temporary contracts, temporary contracts are temporary employment contracts. They correspond to definite periods, limited in time. Unlike a permanent contract, these contracts do not ensure a stable employment situation, which allows for regular fixed incomes and the repayment of a loan.

In the eyes of banks, temporary workers are therefore considered as “at risk” profiles, whose solvency cannot be guaranteed. Hence, some reluctance on the part of these establishments to grant consumer credit to temporary workers.

To subscribe to a consumer credit is more difficult when you are in temporary employment than permanent, but not impossible for all that!

Get credit, it’s possible

Temporary status does not preclude the purchase of a personal loan. Getting the loan is often harder, but not impossible. Therefore, under what conditions can one obtain credit when acting?

In acting assignment, a bank will grant you a loan more easily if:

  • You have at least 18 months of acting experience, which is a sign of professional stability for banks;
  • You have known very little time without activity between your missions;
  • You have carried out temporary assignments either within the same company or within the same economic sector, always for reasons of stability;
  • You work in a dynamic sector all the year, regardless of the seasons;
  • You have an acting assignment at the time of applying for your loan.

Each bank or organization has its own conditions of grant. However, very often, if you have been working for more than two years continuously, the banks are in favor.

Credit: your profile also plays

Credit: your profile also plays

If you are acting and want to take out a loan, your missions and your income will be determining factors in the study of your file. However, other settings related to your profile may also work in your favor.

Banks and banking institutions prefer profiles that have not experienced any banking incidents in the past months, have savings capacity on their wages, accumulated a maximum of hours of work over the last 12 months and which meet the usual conditions when applying.

Credit: often higher rates

Credit: often higher rates

It is better to know that if you get a loan and are acting, your credit rate (APR) will certainly be higher than the average. Most banks and lending agencies apply higher loan rates to offset the risk of acting as an interim and defaulting lender.

How to subscribe a credit?

To take out credit when you are in temporary employment, several solutions are available to you. You can find your Rosamond Vincyment solution by:

  • Using a consumer credit comparison online, such as Rosamond Vincy.fr, to find an offer tailored to your profile and the best rate;
  • Contacting an institution specialized in profiles like yours;
  • Using FASTT , the Temporary Labor Social Action Fund.

Credit: What is FASTT?

The FASTT, or Social Action Fund for Temporary Work, is a non-profit organization, which helps temporary workers to obtain a credit, some projects or benefit from aid (housing aid, complementary health, accession to the property…). FASTT is funded by temporary agencies.