What loans can be requested while debtors list? It is a recurring question. These acronyms refer to the National Association of Financial Credit Institutions, which is responsible for preparing files on individuals and companies in default or debt. In this post we want to answer this question and share some options for people who appear debtors list.
What loans can be requested while debtors list?
The difficulty in requesting a loan while in the debtor affects the risk involved. By appearing as a delinquent, most lenders are not going to want to lend money. This is something very logical, since for them the possibilities of not complying with the payments may be unacceptable. Banks collate the archives of this association to approve or not the loans they grant.
Certainly, most banks do not choose to finance loans to people who are on delinquent lists. In addition, debtor sends notifications to interested parties so that they know they have been included in their files. Given this, debts can be paid to this association, and thus leave the records. Another option is to state the reasons and the evidence that justify the fact that you should not appear as delinquent.
However, there is the possibility of applying for loans being included in the debtor lists. The only two possibilities that an individual or a company would have in these circumstances is to request a micro loan or a short loan. In addition, there would be some requirements to do so.
Requirements to apply for loans while debtors list
The first is to accept low fees, if they are high they will have to be guaranteed. On the other hand, they can also force the reimbursement through a single or short-term fee. Although if the amount to be lent is large, it is possible to negotiate a longer term. Finally, the interests are not usually too high and demanding assessments do not apply.
Additionally, it will be necessary to provide certain documents that support the payment of the new loans. The main requirements are the identity document (DNI), last payrolls, if you don’t have it, you can count on a guarantor. Or also, demonstrate that there is a frequent income to get a loan while debtors list.
In short, the question, what loans can be requested while debtors list?It has an answer: micro loans and short-term loans. The risk of default is what moves banks and some companies to not lend their money. But if you qualify, you can request one of these financial products. And so in this way to face some specific difficulty that is occurring. In Ideal Loans you can compare and find financing by being on the debtor lists.