Online loan application or online loan application form

By | December 24, 2019

How to make an online loan or loan request What to have before the online loan or loan application form

The first fundamental step to obtain financing?

The first fundamental step to obtain financing?

Seems superfluous, but it is usually a loan application to be made before your lender. Well, first of all, what weight should I give to the words request for funding as these are very generalized words. With this we want to differentiate the requests for financing in those directed to have a loan from those of the mortgage because the conditions, documentation and timing are different. In this post we will deal only with the first distinguishing between the personal loan request and the one aimed at consumption made at the merchants.

How to apply for personal loans?

How to apply for personal loans?

First, let’s start with the question of how to apply for personal loans? What to have before filling and / or submitting the loan or financing request form? A first tip: the request phase should not be an end in itself. What does it mean? It means that the request should never go towards the conclusion of the credit operation but rather towards that of the estimates. In this sense, we can therefore use the phrase of the loan quote request, i.e. the forwarding of any form will have one purpose: to first view the contractual conditions, then, if they are good, accept them. This type of request can be submitted through two channels: one, the traditional one, at the offices, where, according to the cases, it will be forwarded verbally or by filling in a standard loan request form. The other channel is that through online forms and then it will be an online loan request and in this case the only way is the online IT request form provided for this purpose to receive all requests for online loans.

In truth, there is another channel to send us the form with the request, that is the paper advertising one by post letter. This, we do not know how, arrives directly in our homes in the form of a letter or flyer which in any case contains a letter or form requesting financing which, if you prefer, can already be pre-franked and ready to be sent. The other method of making a request is that relating to financing for the purchase of goods and / or services. In this case, the request is totally standardized and simplified: it is the agreed exercise that will think about forwarding the request for financing and all the documentary practice to the financial company connected to that shop.

All requests must be accompanied by minimum documentation which is generally identified with an identity document, tax code or equivalent and proof of income. In certain cases, in addition to the aforementioned ones, the request must be supplemented with additional and specific documents: for example, the residence permit for non-European citizens, or some data that are issued by the applicant’s membership bodies, also mediated facsimile such as in the inpdap loan request or the unemployment declaration in the honor loan request etc. Ultimately, the request for funding is a preparatory act that should not be underestimated because it is important for the success of the financial operation.

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