Are you looking for a loan with a guarantee ? No fear! With the arrival of the year 2019, now at the door, you can request your loan with guarantee.
But, what are the main guarantees that will be required of you? How does the 2019 loan guarantee work? Let’s find out in this dedicated guide.
Loan with 2019 guarantee: what is it?
The loan with guarantee is a loan whose main guarantee is represented by the pay slip (salary) or by the pension or, in any case, by the monetary “income” that you collect each month.
It must be emphasized that each creditor assesses your creditworthiness or your ability to repay the assumed bond correctly.
After all, thanks to your monetary income, you can guarantee the correct and timely fulfillment of the loan installments.
But, it is not always possible to guarantee the loan with the salary or the pension: in these cases, there is however the need to guarantee the creditor the ability to pay the installments correctly.
How? Presenting an alternative guarantee . What is it?
Alternative guarantees: what are they?
If you are a person who does not receive a paycheck or a pension, it is very likely that the creditor can ask you for an alternative guarantee to the income guarantee .
Among the loans with a 2019 guarantee, the surety with a guarantee appears: the person holding the guarantor or guarantor is a third party (for example, a parent, a relative, etc.), who commits himself with his assets to repay the loan contracted by you, in the event that you are unable to fulfill the installments.
The guarantee of the guarantor provides for the sole moral and financial commitment by the guarantor that guarantees for you. In any case, the guarantor himself has recourse against you.
Another form of loan with guarantee is the loan with securities guarantee (shares, bonds, mutual funds and other financial instruments, etc.).
If you do not have a job, but have assets
The bank can offer you to grant you a loan by guaranteeing the deposit of securities that you will bind to meet the contracted obligation, and they will not be available until the loan is terminated.
If you want to receive more information on the 2019 loan, contact a Consultant who will be happy to help you find the right product for you.