Ask for a Loan 5 Tips for Getting a Loan

Requesting a loan is quick and easy, but it is necessary to know some aspects that will facilitate the successful outcome of the request. The first question is who to ask for a loan and how to apply for a loan ?

Find below 5 tips to get the loan ; we will also tell you why entrust yourself to Globalfin, what benefits you can take advantage of absolutely free ! For more details contact us, also through the form that you find on our website ( the request will not be forwarded to credit data banks like Crif – we protect your privacy ).

If you have a question , a doubt, you want advice on how to do it, write us a comment now. At the bottom of this article you will find a dedicated space (free service).

Let’s see together how to apply for a loan .

How to apply for a loan?

How to apply for a loan?

Are you by chance asking ” where to apply for a loan “? You are looking on the web, so the first answer is to apply for an online loan , but beware! Before activating it is useful to know ” what is needed ” to make this request? What are the requirements ?

If this is the first time you need new liquidity and therefore want to borrow money, it is important to know who to borrow money , who to apply for a loan . The online institutes that grant credit are different. We can distinguish 3 opportunities:

  • make a request directly to a credit institution (bank or financial institution)
  • avail of the support of a loan comparator
  • rely on the advice of a credit broker (our case)

When you have clear ideas on how much to apply, the choice could fall on a bank or by selecting the best offer offered by the loan comparator . But remember one thing: make a maximum of one request! If a loan is applied to several institutions at the same time, it will almost certainly be rejected because the banks and financial databases will read that the client is accessing credit through various institutions.

So the first rule is ” I feel sure I can get financing. For this I will make only one request online “.

This is not our case because the requests will not be reported to credit data banks such as Crif. Below we will see what are the requirements to request funding online and not.

Ask for a loan in the bank, how to do?

Ask for a loan in the bank, how to do?

Asking for a loan to the bank , in general, is the first action that takes place (of course I intend to ask the bank ). But everyone does this reasoning because:

  • they look for the best bank to apply for a loan, hence the one with the most advantageous rates
  • they have difficulty with this institute and for this they want to evaluate other solutions.

If you are convinced of getting the best product from your credit institution, then contacting your bank is the solution. If, on the other hand, you want to consider other opportunities, the internet allows you to discover new alternatives and, among these, consider what is right for you.

Remember, however, to apply for an online loan , ie no longer apply for financing applications at the same time.

Requirements for applying for a loan

Requirements for applying for a loan

The requirements for applying for funding are different, certainly a demonstrable income. Therefore, requests for funding without a paycheck , or without guarantees, can hardly be accepted as it is not guaranteed to the bank or financial how the debt can be repaid. In these cases a second signature (guarantor) can change the fate of the practice.

In addition to income, we see what other conditions must be met to apply for a personal loan :

  • have already obtained a personal loan
  • be regular in payments
  • not be excessively indebted (the minimum poverty line must be respected at around € 504 per month)
  • have not made any other requests in the last 30 days
  • to have repaid at least 10/12 installments of the last loan obtained
  • if they guarantee other financing, these must be repaid on a regular basis

These are the basic conditions to be met in order to evaluate a request for funding, but these will not be the only ones. Each institution has its own credit rules.

Can the guarantor request a loan ? Yes, provided that, as mentioned above, the financial commitments are all repaid regularly.

Required documents

If the applicant is an independent or freelancer:

  • last tax return
  • Chamber of Commerce

For employees :

  • last two paychecks
  • CU (single certification)

Retirees, on the other hand, will have to provide:

  • last two coupons (if required)
  • CU (single certification)
  • obis model m (if required)
  • anamnestic certificate (if required)

In addition to these documents, the practice must be supplemented with a copy of the identity document (valid), health card, residence permit for foreign citizens.

Can I apply for a loan even if protested or reported as a bad payer to Crif?

It is provided that the applicant is an employee hired with a permanent contract or a pensioner. In both cases, whether you speak of protest , or reporting in the database , obtaining credit is possible through:

  • assignment of the fifth salary or pension

Only for employees (public, state or private) you can ask for a second paycheck loan:

  • delegation of payment

Finally, only for employees of private companies (sole proprietorships, sas, snc, cooperatives, srl and spa) may be required:

  • Modified loan or payroll loan

For more details on these solutions, contact us now!

How much time does it take to request another loan?

It is sufficient 30 days from the last request on condition that the previous institute has updated the status requested in archived (example rejected or renounced). If the same remains in processing, then still in evaluation, the times are extended up to 6 months.

Having verified this aspect, before asking for another loan , I suggest you understand why the first institution rejected your application. Only in this way can you get a different result. This type of analysis is not simple, so many customers rely on our advice.

We analyze the real possibilities and potential of a client in order to guarantee him obtaining the requested loan.

How many loans can you get?

How many loans can you get?

It depends, there are several factors to consider, such as:

  • the monthly income received,
  • the income of the family unit,
  • from regular payments,
  • by the number of installments repaid referring to the last loan obtained
  • from any commitments in the payroll (business loans, assignment of the fifth , attachment, etc.)
  • from the type of employment contract or type of employment

There are so many considerations to evaluate; for this reason the advice is to rely on a consultant who can direct you on the best choice.

In fact, in some cases, instead of asking for a new loan, it is worth considering a loan for consolidating debts plus new liquidity . It means to combine all the commitments in one installment, reduce the monthly exposure, get more money .

For more details on this opportunity read debt consolidation loans.

Why Globalfin?

Where to apply for a loan? What do you need for a loan? The answer is simple, entrusted to our society. We are registered in the OAM n M359 register as a credit broker. Our task is to put the customer and the bank or financial in contact with the aim of guaranteeing the best 2018 loan!

How much is your service?

Nothing, we do not ask for money. The customer will benefit from our experience and advice absolutely free!

Where are you?

The headquarters of the company is Reggio Emilia, but we are active throughout the national territory with collaborators trained and regularly enrolled in the register. Where do you live? Rome, Milan, Genoa, Naples, Salerno, Modena, Bologna, Verona, Turin, Cagliari ? We are also present in your city!

How does it work?

Completed the contact form, within a few minutes you will receive a call from the telephone area code 0522 (Reggio Emilia); with one of our experts you will evaluate the best conditions offered and in case you intend to proceed, an appointment will be arranged directly at home. So, from the comfort of your home, you can manage all your practice. We will guide you until the provision of the loan.

The request made on our site will not be reported to the credit databases.

What are you waiting for? Get in touch with our expert now!


Image result for transparency and safetyThe multiple offers of funding that the financial market presents through intermediaries of all kinds have made it increasingly complex to make the right choice without fear of receiving unpleasant surprises. Unfortunately, it often happens to run into poorly organized companies, which lack transparency and clarity in illustrating their product.

The bureaucratic process is often left out and treated in a superficial way, which is why one of the big problems becomes able to calculate the actual timing for obtaining credit, naturally, a serious company will always be able to tell you with certainty what the times are. No less important is the assistance at all stages, from the estimate to the signing of the contract, including the time of the payment of the sums, if agreed in advance, also the request for any outstanding and insurance shares not taken out of previous contracts.

The Cessione del Quinto, for example, is one of the loans that are most affected by the lack, by intermediaries who propose it, of experience and above all transparency. In fact, these are fundamental aspects that only companies with experience and rooted in the territory have. This is why it often happens that many people experience negative experiences during the request of the Cession of the Fifth, this makes them desist from requesting it, so we at LeaseCredi strongly believe in the support of the person who turns to us, we offer free advice so that the person can become aware of all the steps and therefore be a conscious use of the funding.

Features and Benefits

Image result for featuresTo understand how it is possible to regain trust and get hold of the right company to obtain secured funding through the Cession of the Fifth, we spend a few words explaining what it consists of and what the actual benefits it offers are. It is a loan aimed exclusively at State employees, public and pensioners Inps and exIndap, allows them to request the amount necessary to meet their liquidity needs and to return it through the debit of monthly installments directly on the paycheck or pension, which can not exceed one-fifth of the same. The duration between which you can choose from 24 to 120 months, is guaranteed by life insurance coverage and employment, allows you to obtain large sums, contact us to find out which.

The agency must be synonymous with certainty and satisfaction

The numerous and justified reasons highlighted in the introduction, which push people to look for other ways to obtain liquidity, can make us make mistakes. In fact, the pseudo consultants, who pretend to be professionals, are not inclined to transparency, so we must avoid them so as not to renounce the great possibility that offers to fund such as the Cessione del Quinto. There are bad wolves, but there are also serious agencies. We believe that to be defined as such it is necessary to make Transparency, Competence, and Correctness one’s daily motto. We have been operating in the field of Cessione del Quinto for over ten years, using highly qualified and specialized personnel, we have not been here by chance.

Invest in your future

<strong>Invest in your future</strong>

Advice can be booked online from the comfort of your home or wherever you want to be on a smartphone. By completing the form you find HERE you will be contacted within 60 minutes. The free advice you can do directly in the offices of Cagliari LeaseCredi, via Pierluigi da Palestrina 48 / bo if you prefer we come to see you, wherever you are, in fact, we are present throughout Sardinia.


Image result for 75 yearsWith the arrival of the new year, our life starts again. After the long period of celebration, it is time to roll up our sleeves and start again with spirit and enthusiasm.

Today we will talk about who has rolled up his sleeves more than anyone: the over 75, we will explain how you can access funding even in the long term.

The motivations that motivate our customers to access the Deletion Quinquishment often concern the realization of their own desire, such as the renovation of the bathroom or simply obtaining liquidity for their daily needs.


It is well known that having reached a mature age, applying for funding is an impossible undertaking; the personal requirements for accessing a paydaynow help with short term financing or mortgage or mortgage loan limit the possibility of the request at the 72-year threshold. All pensioners who have exceeded this limit, despite being in possession of the income requirements and financial reliability with the “cards in order”, are automatically cut off from the credit world.

The only valid alternative for them is the assignment of a fifth of the pension.

What is it?

This is a non-finalized, convenient and simple loan that allows all INPS pensioners and other pension institutions to obtain liquidity and to repay it with direct debit on their pension; it will then be the social security body to pay the monthly payment directly to the creditor financial company.

The maximum amount of the installment cannot exceed 20% of the net monthly pension received, the durations vary from 36 to 120 months (from three to ten years) and you can obtain it up to 85 years completed (limit within which the loan must be concluded).

In practice, a pensioner of 72 years has the possibility to request a transfer of the fifth repayable in 10 years and obtain, therefore, a long-term loan, while a person of 78 years will have the opportunity to repay the capital in a maximum of 7 years.

This valid financial instrument provides for statutory mandatory life insurance coverage and is included in the monthly payment, which protects both the lending institution and the retired client in case of preference, relieving the latter from the concern to leave the debt to his family in the case where it should fail before the natural expiration of the contract.

A further advantage of the transfer of the fifth pensioners is the possibility of obtaining credit without having to justify its use and without the support of any guarantors or real estate, as well as, in the presence of previous financial problems (protests or reports in databases).


The assignment of the fifth can be requested on all pensions, with the exception of:

  • Pensions and social checks
  • Civil invalidity
  • Monthly checks for assistance to disabled pensioners
  • Assignments to the family unit
  • Exodus benefits pursuant to art. 4, paragraph 1 to 7-per, of Law no. 92/2012.


Image result for old person how

For access to the assignment of the fifth retirees, only the personal documents and the transferable portion indicating the maximum amount of the installment are required.

Turning to an affiliated Financial Inps company, the recovery of the transferable quota becomes much quicker, facilitating the timing of the outcome, because it will be directly the credit institution to obtain it through the direct electronic connection (inserting the pension number upon delegation of the client ).


As stated above, the assignment of the fifth is guaranteed by compulsory insurance coverage provided for by law, which protects the client and his heirs from the risk of death for the duration of the loan, eliminating any concern for the coverage of the capital to be repaid.

Furthermore, it should not be underestimated that its initial single premium cost is tax-deductible for 19% of its value.

But let’s clarify another very important aspect of this guarantee, starting from its cost that varies according to four main elements of the applicant:

  • Age
  • Duration of the loan
  • Coexistence of particular pathologies or accidents deemed to be at risk
  • Required Amount

It is the insurer, after evaluating these points, that decides to grant the loan.

Erroneously, the costs and interest rates for applicants who exceeded a certain age range were considered too burdensome; in fact, insurance coverage must inevitably provide for a higher amount due to the increase in the risk of preference of the insured.

This explains why, over 75 years, the insurance premium grows considerably, also affecting the overall cost of the loan. It is specified that this increase in costs will never exceed the limits of the usury rates updated quarterly and strictly monitored and verified by the estimator on parameters imposed by the Bank of Italy (they can be verified at any time in the Agencies because they are exposed and visible to the public by law).