Personal Loans – how to apply?On December 23, 2019 by admin
Basic requirements for applying for the loan
The primary condition for being able to apply for and obtain a personal loan is possession of demonstrable income : all employees or self-employed workers, as well as pensioners, can make a request. The TAN varies according to the number of installments with which it is decided to repay the loan: for example for $ 5,000 the proposed TAN is between 5.90% and 9.92%. The APR will include the processing fees of $ 200, the stamp duty of $ 16, the monthly cost of managing the file of $ 2, in addition to the $ 2 for the annual report.
The different solutions to obtain liquidity
Anyone can get an Bankate personal loan : couples, young people or mature consumers can find in this financial the partner ready to bestow liquidity in a very simple and fast way.
There are many financial products designed to meet the needs of its customers, but in this article we will deepen the “Astro” offer and the debt consolidation loan. Each of them can be requested for many different reasons, for example to make a home renovation, buy a small property, furnish a house, buy a car, a camper, a motorbike, a personal pc or small appliances or to buy a trip or make a wedding.
By choosing the Ductile or Debt Consolidation method, the amount of money granted is in any case between $ 2,750 and $ 30,000 and the duration of the loan ranges from 12 to 120 installments, a period that varies depending on the amount you intend to request: the more the amount is higher, the longer the time available to repay the loan.
Personal loan Astro
Personal loan Astro belongs to the category of fast loans, it is a very flexible type of personal financing that is well suited to the repayment needs of every kind of consumer. In fact, with this type of financing you can decide to skip an installment at any time and therefore change the overall duration. In detail, the first installment jump request can only take place after having regularly paid the first three installments and cannot be activated before the seventh payment. The installment jump can only be requested once in a year.
Furthermore, Bankate provides for the possibility of modifying the amount of the installment, both decreasing and increasing it: the change will take place starting from the seventh installment and it will be possible to make a change during each financing year, up to 3 modifications.
Lastly, you can also choose to modify the duration of the loan : by changing the value of the installment to be repaid you will have a shortening or an extension of the repayment which can be repaid in a maximum of 120 installments.
Being able to manage the loan in a simple, practical and fast way is undoubtedly a great advantage that is particularly appreciated when you need – perhaps for unexpected unexpected costs – to postpone the payment of an installment,
Loan for debt consolidation
Debt consolidation allows you to channel all current loans and loans into a single financial product. This is a personal loan that offers the opportunity to have the necessary liquidity to cover the residual amount of the loans in progress with other financial companies and in addition to have liquidity to meet your needs. In this way, instead of paying multiple installments, on different dates of the month to different credit companies, you will have a single installment, with a single TAN blocked for the entire duration of the loan to be donated to a single company that will be repaid or via RID – direct interbank relationship – or by postal order.
How to apply for a personal loan
The Bankate personal loan can be requested online : on the official website of the financial company by clicking on the “Loans” item, you will find yourself in front of the “Request it now” button; in this way you access the page where you can calculate the installment where you can enter the amount you want to get from a minimum of 2,750 to a maximum of $ 30,000 quickly and easily.
Once the amount has been chosen and clicked on “Calculate installment”, a prospectus is offered which quantifies the installments, for repayments ranging from 12 to 120 monthly installments. On this page you can decide whether to take out debt insurance or not. Once the duration of the loan has been selected, your personal data, email, tax code and income data will be requested; once the funding has been granted, all copies of the documents must be sent to the headquarters.
At the end of the procedure you are usually contacted by a consultant, by phone or email, within 24 hours after the request and within 48 hours you can know the outcome and possibly obtain the liquidity that will be deposited directly into your bank account or postal, or sent by check at your residence.
However, it is possible to request information by contacting the toll-free number 800.134.860. As a mere demonstration example, if you want to request a personal loan of $ 5,000 to be repaid in 36 installments, you will find yourself in front of this prospectus:
Net amount disbursed $ 5,000 Number of installments 36 TAN 5.92% (fixed rate) APR 7.94% (ancillary expenses excluded) Contract stamp duty $ 16.00 Preliminary costs / commissions $ 50.00 Annual report tax $ 2.00 Monthly expenditure ges. practice $ 2.00 Monthly installment amount $ 158.50 Total amount due by the consumer including insurance costs $ 5,798
Calculate the installment directly from the site with the tool: Bankate installment calculation
Delivery and refund
Acceptance of the request and crediting of the money takes place within 48 hours, while for reimbursement it is possible to opt for payment by RID, both on bank and postal account, or for reimbursement by postal order. The installments must be paid either on the 15th or 30th of each month: the chosen date usually depends on the day on which the requested sum is paid.
Who is Bankate
Bankate Service came to life in 1986 from Montedison’s intuition that, wanting to diversify, he decided to create an ad hoc company to satisfy consumer credit requests. In reality, despite the foundation taking place in 1986, the start of the business will only take place in 1987 when the financial company will physically open the doors to requests for liquidity.
Part of the acquisition by the French company Klemar already took place in 1989, which absorbs 49% of the shares, and then completes the operation, becoming the sole owner in 1993. After just 4 years Bankate Service turns into Bankate Clepor, a company incorporated by the French group CreditCole and Bank Lomer which, in 2005, changed the name of the financial company to Bankate.
Bank Lomer, which in the meantime became part of Intesa Sanpaolo, decided in 2008 to sell its shares to the CreditCole Group which became its sole owner: at this point Bankate took over the Bumea company and Banco Popolare participated with 39% in the Bankate, which assumes the current name of Bankate Bumea.
The widespread presence on the national territory identifies Bankate Bumea as a reliable financial company, present and close to consumers who seek liquidity and useful advice before applying for your loan. In addition to personal loans, loans with a loan of the fifth, credit cards and insurance can be requested.
Bankate Bumea is the financial company that offers fast and accessible loans to everyone: to try to make a dream come true closed or decide to solve the small problems of everyday life, just fill in a form and wait for a day. The consultants take care of the rest.