Loans reported crif no assignment

Loans without assignment of the fifth for the self-employed

NB: you will often read being reported crif, however, the strategies practicable by those who had this type of reporting (Crif) are also extended to other entries in databases. In fact, the C.RI.F. (code C enteral Ri plateful F inancial), is one of the key risks to which they may be registered or there are other databases that although they have a different name, cause the same problems: difficulties in accessing credit. Let’s mention them briefly: CTC (Credit Protection Consortium), Experian, Cerved and AssiLea (bad loans in the leasing sector). Well, we repeat, any solution that can be proposed for the reported CIFIs will be fine for providing loans to those reported in a database other than the Crif.

The phrase no assignment is that of self-employed workers

The phrase no assignment is that of self-employed workers

Loans to reported in crif without assignment of the fifth: the first category of suffering subjects that comes to mind when we mention the phrase no assignment is that of self-employed workers. Without doubt it is so or at least it is in most cases. However, most do not mean everyone, that is, by this we mean that some solutions, in the end, can also be experienced by those who could (but cannot or do not want) to use the assignment: it is the hypothesis in which, for various reasons, it is not possible to invoke the assignment, because for example it is committed due to other financing or because a garnishment is imposed on it.

In all these cases, even those who cannot assign the fifth (or double) may, given assumptions, attempting the alternatives usually invoked by self-employed workers and known as loans reported with or without assignment of the fifth, which is the same thing. Let’s see these solutions.

Loans reported crif no transfer: before indicating some solutions, for the sake of completeness, let us mention a type of financing known with the nomenclature of loans reported in crif harmony project. We are talking about a portal to which some credit institutions (mainly financial) adhered (cited in the past) and which financed those who had been reported in Crif, however, the Armonia Project was a financial service intended exclusively for employees and pensioners, therefore not for workers autonomous. That said, let’s move on to the alternatives that a Crif reported subject has.
Loans reported with CIFIs without assignment for self-employed persons: we are talking about at least three groups or three different types of loans which can be used by those who have undergone a report to Crif or to another database and which can also contribute to each other.

The first solution since that of the third guarantor

The first solution since that of the third guarantor

A) Loan reported as crif with guarantor: we put it as the first solution since that of the third guarantor, a natural person, represents a valid alternative to bypass the report in the crif risk center. B) Other forms of guarantees: these, depending on the object, divide into: B1) mortgages: well, the reported person can give any guarantee as collateral on which mortgage registration is admitted, e.g. houses, land, vehicles (motorcycles or cars), machinery etc.;

B2) assets to be pledged: concerns anything that has an appreciable economic value such as for example. precious items, furniture, ancient artefacts, household appliances and electronics products etc. NB: the assumptions of guarantees described in B1 and B2 (not the letter A), usually, guarantee the third alternative: C) loans exchanged and reported in crif: in addition to the aforementioned guarantees (those mentioned in B), the issue of bills of exchange is facilitated by the presence of a life insurance policy which is usually a product underwritten by self-employed workers. Lastly, to those interested in the promissory note, we will indicate a series of institutes, divided by category, which propose them in the current 2020, as well as an article on the attention to be paid if it is addressed to private individuals.

Differences between a private loan and a private loan

Since the beginning of the crisis, banks have closed the financing tap, both to individuals and companies, due to the risk of defaults. This situation caused less and less loans to be obtained through traditional channels and other credit alternatives emerged.

It was precisely in 2012 when different alternative financing platforms took off through which to obtain private and private loans. Currently regulated financing methods with which to raise capital almost immediately. From small amounts to amounts of up to 50,000 USD and in less than 48 hours.

Surely the terms private lender and private loan are not unknown to you. But do you know what the differences are between the two? From private Lenders we want to explain it to you.

Main differences between a private loan and a private loan

Main differences between a private loan and a private loan

Private lenders

Private lenders

This type of lender is made up of individuals, usually from the financial sector (although there are also parents. Normal and ordinary people), who decide to invest part of their capital to make loans. In most cases, private lenders work in groups to obtain a greater amount of financing. Many start ups access this type of financing to start their companies. Individuals also request small amounts to alleviate certain specific expenses that can accumulate in a month.

In exchange for their fees, private lenders earn benefits through interest. The interests and the terms of return are previously agreed between both parties. If the bank does not listen to you or you need immediate liquidity, private lenders can be your solution. However, keep in mind that you should see them as a temporary financing method, since the interest is usually higher due to the possible risk of the operations and the speed in the granting of credit.

Although there has been a lot of mistrust in this sector, since it has been associated on many occasions with scams, today there are true professionals who are dedicated to it. In these cases, they are usually regulated by the Ministry of Health and Consumption, as is the case with private lenders, and they are subject to current regulations.

Private Loan

Private Loan

Private lenders are usually made up of private lenders. The difference between one and the other is the degree of development. The union of several private lenders gives rise to authentic financial entities with a highly developed business structure.

Like private lenders, they must be regulated by the Ministry of Health and Consumption. And compared to banks, they are able to cope with significant amounts of capital in record time. As a general rule they are quite affordable and are characterized by the ease of offering liquidity. Most of them work through the Internet, as in the case of private Lenders, to facilitate all procedures for their clients. The documentation requested is usually simple and the loan is usually accompanied by a guarantee if you want to obtain large sums. A car, a property and even a work of art. Jewelery is usually not worth as collateral in this type of loan.

Private lenders offer more credit than traditional financial institutions. Through them you can obtain loans with Asnef or RAI or loans without payroll. Something unthinkable today in banks because they are considered high-risk financial operations.

Although this system began to flourish in Spain from 2012, it has been operating in a truly active way in other countries for many years. Both within and outside the European Union.

We hope this article on the differences between a private loan and a private loan has been helpful to you.

Mortgage loans with Financial Credit Institution

Not a candidate to obtain mortgage loans

Not a candidate to obtain mortgage loans

Defaulters are not viewed favorably by financial companies. Thus, whoever is in RAI, Financial Credit Institution or appears in any list of debtors, is not a candidate to obtain mortgage loans with Financial Credit Institution. The same is true for individuals who cannot present payroll or are out of work. In a compromising situation like these, what to do?

For those who urgently need cash, but are having a tough time in their economy, there are mortgage loans with Financial Credit Institution . As its name says, they are established based on the value of a property, which is placed as a guarantee of payment. It is the only exclusive requirement when it comes to having a private equity loan. The good news is that the house in question may belong to a relative or friend of the person concerned, not exclusively to him.

Accessibility to mortgage loans with Financial Credit Institution

Accessibility to mortgage loans with Financial Credit Institution

In addition to being more accessible, they are processed much faster than we are used to. Mortgage loans with Financial Credit Institution can be applied for online, through a virtual form, and approval or denial comes within minutes. Once the contract is signed, the client has the money – in less than a week – in his usual bank account.

Private investors are willing to offer mortgage loans with Financial Credit Institution for an amount that starts from 6,000 USD and can reach up to 150,000, or at most 1/5 of the price of the house put as collateral. They have no capital cap -this is indicated by the client in writing- and they also work throughout the country. Residing in Spain and being of legal age, anyone can apply for financing.

Which the client will know before signing the contract

Which the client will know before signing the contract

These lenders establish the relevant interest rates, which the client will know before signing the contract at a notary in his city. The cancellation deadlines to choose range from 1 to 15 years, and if at any time the user needs more time, amortization will be granted at 0.25%, a service that is enabled after the first year of payment. “These loans aim to make themselves accessible to more and more consumers, and therefore offer flexible financing terms . “

Simply put, home equity loans with Financial Credit Institution are a way to strategically manage your own income. When no one answers, there is an easy option to manage, quick to obtain and, by the way, very discreet to have money now. Investors do not need to know what capital requires or inquire into their economic situation.

What is a private loan useful for?

Private loans solve many liquidity problems for many people, sometimes it is not possible to request an ordinary credit in a bank because they ask for many requirements and require conditions to grant money. At that moment is when we should consider resorting to a particular loan, since there are no other alternative sources of financing, private lenders are the best option today.

Money loans provided to clients with a real estate type guarantee

Money loans provided to clients with a real estate type guarantee

Lender companies offer private loans, these are money loans provided to clients with a real estate type guarantee, our company grants private loans with all kinds of guarantees, from real estate to vehicles, art collections, etc. everything serves to guarantee the credit requested by the client with the only exception of jewelry.

Private loans are useful when we need urgent money and we have no other source to go to get liquidity. These have numerous advantages and the client can receive the amount they have requested in a short period of time, sometimes less than 72 hours as long as we have received the necessary documents to start the process.

We grant the user up to 20% of the value of the guarantee, sometimes up to 25% depending on the quality of the guarantee. Real estate that purports to be the guarantee of our private credits must have an essential characteristic. The real estate guarantees must be free of charges and mortgages and the flats, houses, premises, etc. may be valid. We do not accept plots, plots or land because they are goods that are subject to variations in their prices and therefore are not suitable guarantees for this object.

Enables us to deal with as many aspects as possible

Enables us to deal with as many aspects as possible

Our team is made up of private and private lenders and therefore we have knowledge in financial and real estate issues, this enables us to deal with as many aspects as possible and speed up the process so that the client gets the amount of money they need.

Our private loans have advantages such as early cancellation with a 0% penalty, as long as the client has completed a mandatory year with us. Another virtue is that our company does not request as many documents and papers from the user. The installments can be entered into the same account of the investor lender or domiciled by the bank, this can be paid in different installments that can be monthly, quarterly, semi-annually or annually, we comply with the regulations in force regarding the private loan and we are regulated by the Ministry of Health and Consumption, all operations are carried out in the presence of a notary who vouches for everything that is revealed on the contract sheets and these notary signatures can be made anywhere in Spain, including those islands.

Our team always tries to take care of as many aspects as possible, we can carry out the official appraisal of the house at an economic price for the client, we always take care of everything and we never collect money in advance. Our loans can be granted to people who have financial difficulties such as being unemployed and not having a monthly payroll or being enrolled in a list of defaulters, none of these situations is an impediment for us to provide money to the client.

Loans with foreign pension

Not be able to provide any form of financing

Not be able to provide any form of financing

This is an omitted general principle which will not be able to provide any form of financing, except, but required by law , as we will see , of Italian pensioners residing outside of Italy but earners of an Italian pension. Then, while being resident in Italy is an essential requirement that no bank or financial institution can ignore, we have some “requirements” (in quotation marks) which, on the other hand, are totally at the discretion of the institution to which the foreign pension holder applies. Let’s see.

Loan with foreign pension in Italy: what are the pseudo requirements that a bank may not accept. First of all, the origin of the foreign pension. One account is a country belonging to the European Union or in any case a western country, another account is other countries: think, for example, if today (2020) you propose a loan with a pension paid by a country like Argentina or Venezuela.

There should be no problems if the pension is for example 

There should be no problems if the pension is for example 

The example makes us understand everything! While, from common experience, we know that, normally, there should be no problems if the pension is for example German, French, Swiss, etc. Another aspect that reassures the lender is the channeling of the pension into an Italian current account. If all this were not enough to insure the lender then there is no other solution than to seek the intervention of a third party guarantor.

This is the situation of foreign pension loans in Italy. But those who are really worse off (from the point of view of granting a loan) are the workers who are not yet retired and therefore have not so much a foreign pension, but a foreign employer. We talked about it on loan in Italy with a foreign paycheck to which we refer any interested parties.

Loans with foreign pension: the reverse case.

Loans with foreign pension: the reverse case.

What if, on the contrary, an Italian with an Italian pension but residing abroad wants to apply for a loan? So, before ending, where it can be useful, we represent the inverse situation: Italian pension loans to Italians residing abroad. That of the escape of our pensioners to countries where we live better (places with a milder climate, with less taxes, etc.) is constantly increasing.

These our countrymen can sell their fifth of retirement without any problem while living outside Italy. The whole procedure is carried out online both through INPS and through a financial company. Once the loan has been received, the portion (one fifth) of the pension will be retained.

Loan $ 25,000 for Italy for VAT

Funding $ 25,000 Coronavirus liquidity decree, 100% guaranteed by the state for self-employed companies and self-employed workers: who is responsible and with what interest rate?

Do not concern those referred to in the aforementioned loans

Do not concern those referred to in the aforementioned loans

Loan 25.000 USD coronavirus how it works: what are its requirements and conditions? Who is it for? Therefore, first the Law Decree n. 18 of 17 March 2020 (known as the Liquidity Decree ), then Law Decree no. 23 of 8 April 2020 (known instead as the Cura Italia decree ), provided for a series of interventions aimed at facilitating credit for VAT numbers, SMEs and companies in general that had liquidity problems (drop in turnover and/or total and/or partial closure of the business) directly related to the coronavirus pandemic.

NB: covid financing for companies, freelancers, small businesses, self-employed workers, etc. however, it is a loan which therefore will be repaid! Ultimately, the coronavirus financing in Italy, unfortunately, is NOT a non-repayable one, compared to a country like Germany which, on the other hand, disburses it from 5 to 15 thousand USD precisely as a non-repayable fund in addition to the fact that it disburses it of the applicant within 24-48 hours… But then, are there any fundings available, covid 19? Sure! But they do not concern those referred to in the aforementioned loans guaranteed by the Liquidity and Care Italy Decree, but rather those of regional disbursement.

Case certainly included among those of covid non-repayable loan

Case certainly included among those of covid non-repayable loan

For example, a case certainly included among those of covid non-repayable loan is that provided by Piedmont to SMEs and autonomous ones. However, what is the covid-19 loan facility? Basically, the main advantage of the covid loan lies in the state guarantee, that is to say, a loan guaranteed by the Italian state which starts from the 90% guarantee and up to 100% of the same.
State-guaranteed covid loans: we express ourselves in the plural (loans) because we are dealing with three (3) different forms of financing even if, here, we will deepen (pre-amortization, requirements, rates, conditions, etc.) that of 25 thousand USD.

Funding guaranteed by the coronavirus state: what are they? We anticipated that we have 3 different loans. Let’s describe them briefly and then focus on the most popular one in Italy: the loan of up to 25,000 USD coronavirus!

A) financing up to 25,000 USD; B) financing over 25,000 USD and up to 800,000 USD; C) financing of over 800.00 USD and up to 5 million USD.
Then, the first (A) and the most popular of the three, which can be requested from 20 April 2020, generated almost 35,000 requests in a week: from 20 to 27 April 2020! This is a loan guaranteed 100% by the Italian state where “state” means the Central Guarantee Fund. Let’s see what are the conditions and requirements to request it. First of all, the application for a covid loan of up to $ 25,000 rests entirely (or almost) on self-certification: it is in fact the applicant who self-certifies, that is, declares under Bassgeini law, to have a series of requirements and/or conditions as well as to authorize some concessions in the hands of the state. In fact, the normal investigation of merit both in terms of income and assets is not provided to the person who submits the covid loan application up to $ 25,000 but only a check at databases and risk centers (Crif, Assilea, Bank of Italy, etc. ).

Unfortunately, as required by the Liquidity Decree, the Italian state does NOT give guarantees to those who have been reported as bad payers, protests, foreclosures etc. until January 31, 2020: the latter will NOT be able to take advantage of the 100% guaranteed loan by the state for amounts up to $ 25 thousand… Anyone who finds himself with a negative report made up to 31/01/2020, will be able to try to access credit using other financial instruments, to which we refer any interested parties on loans for those reported in the bad payers lists and loans to those reported without assignment of the fifth. Let’s move on to the other requirements or let’s deal with the revenues, the interest rate, the deadlines for submitting the request and those for the repayment of the loan.

Loan $ 25,000 for Italy: conditions, requirements and who is responsible.

Loan $ 25,000 for Italy: conditions, requirements and who is responsible.

Among the conditions that affect the “quantum” request and to be disbursed, there is that of adjusting the loan amount to 25% of revenues so that to obtain the maximum loan (25,000 USD) you must have at least 100 thousand USD of revenues which will be those declared in the last tax return in the case of self-employed workers and freelancers or of the last balance sheet regularly deposited for companies, businesses, small and medium-sized enterprises (SMEs) and businesses in general. For any activity started on January 1, 2019 (i.e. for new businesses or new VAT numbers), as there is still no tax return, the revenues will be determined by the accounting and tax documents that the applicant will take care to indicate in the application form. (attachment 4-bis). For those who do not reach $ 100,000 in revenues, the loan will always be reduced to 25%: for example, if your business has annual revenues of $ 60,000, it will be possible to obtain only $ 15,000, that is, 25% of $ 60,000!
Loan deadline 25,000 USD coronavirus: by what date can I apply for a covid loan? The application can be submitted until the end of 2020, therefore until 31 December 2020. NB: attention, it is true that it expires on 31/12/20, but it is also true that the loan is granted until the funds are exhausted… Therefore, if you intend to make this request, hurry up! Who should I send the coronavirus loan application to? The request for a covid loan of up to $ 25,000 (not beyond) can first be sent to one of the many confidi, but it can be sent primarily to your bank, but also to other banks: the important thing is that the bank (yours or not yours) to which you send the covid loan request is one of the participating ones.

By the way: member banks covid loan: which are they? Certainly the following banks have joined: Banca Unicredit, Carige, Ubi Banca, Intesa San Paolo, Banca Bper, Mps and the banks belonging to the Bcc circuit. If your bank is not among those listed above, inquire with it… For example, in April 2020, Fineco Bank and Poste Italiane did not join! Now let’s see who is responsible, with what interest rate, which varies according to the repayment times and whether or not you choose pre-amortization.

To natural persons carrying out business

To natural persons carrying out business

Loan 25,000 USD: who is it for? The financing of up to 25 thousand USD guaranteed by the state at 100% is aimed at micro, small (SMEs) and medium-sized enterprises, but also to natural persons carrying out business, arts or professions, also in the form of an individual company. Basically, in addition to SMEs, it is up to self-employed and freelance holders of VAT numbers which include a myriad of subjects, such as, for example, craftsmen, traders, lawyers, accountants and traders in general. The coronavirus loan, on the other hand, is NOT for families and private consumers.

However, just in a moment of socio-economic emergency such as that generated by the coronavirus, the preamortization rates are those that, sorry for the inappropriate way of saying, will give a breath of oxygen to the holders of VAT and SME numbers: those who choose to pre-amortize the covid loan, based on the rates (tan) provided for this loan (which we will see in a while), will pay interest-only installments of around 20 USD per month for up to 2 years (around 480 USD in 24 months) calculated on the maximum amount obtainable, that is 25,000 USD! Indeed, if some of our users may be interested, there is Best Bank which allows you to pre-amortize covid financing for up to three years!

Another clarification on the coronavirus loan: the repayment times. All financing must be repaid from a minimum of 2 years (24 months) and up to a maximum of 6 years (72 months), including any pre-amortization period. So, for example, if you decide to pre-amortize the loan in 2 years, the real amortization must take place in a maximum of 4 years! Let’s move on to interest rates: covid loan zero rate: is it expected? 

 

Loans for reported without assignment of the fifth 2020

Loans to reported persons without assignment of the fifth: to which subjects are they referable? Premise: we have already dealt with this type of negative report. Here we want to specify only the recipients of this type of funding by returning everything to the appropriate location as well as other resources related to the subject matter.

Term of loans reported without assignment of the fifth

Term of loans reported without assignment of the fifth

Loans for reported without assignment of the fifth: at first glance, the first thing to think about when looking for a form of credit for reported without assignment of the fifth is that of self-employed workers in the broadest sense of the sentence.
Well, that’s partly true! However, the term of loans reported without assignment of the fifth is to be understood as referring to any person who, for any circumstance, cannot transfer his fifth.

Think, for example, of those who have already sold it, so we have committed it, but also to those who have seized it, or those reported pensioners who cannot transfer it because the check is below the transferability threshold.

Any other way to finance yourself without giving up

Any other way to finance yourself without giving up

Loans for those reported without assignment of the fifth: based on what has been said above, we take it for granted that, regardless of the reason, you are reported and that you cannot assign the fifth. What to do in this case? Is there, is there any other way to finance yourself without giving up the fifth but in the presence of negative reporting? Let’s refer to some solution.

If you have suffered a foreclosure consult loans to foreclosures without assignment of the fifth, while if the cause of the report is a protest you see on loans protested without assignment of the fifth while for general information on loans to reported without transfer of the fifth you can go on loans for reported crifs without transfer of the fifth. Finally, the most used form of access to credit follows when it is reported or the subscription of bills of exchange for which we indicate a page from where a series of institutes that grant them in the current 2020 start: loans with bills of exchange and who provides them in 2020.