Applying for a loan without a guarantor is not a simple thing. In this case, those applying for funding know that they cannot rely on anyone. In such situations, if you are unable to proceed with a single signature, what we can offer as an alternative to the personal loan is: the assignment of the fifth, delegation of payment, loan changed or loan with delegation.
For example, if you are looking for a car loan without guarantor and you don’t know who to contact, contact us now! Fill out the information request form on the site now or directly via this free quote link.
How to have a loan without guarantor
They are a particular type of financing for which, just as the name suggests, lenders do not require any guarantee. Attention, it is important to point out that by guarantee we mean the additional one, in fact it is normal that the applicant is assessed on the basis of his / her job or pension position.
Precisely in this perspective and contrary to what happens for the loan with guarantor, no third party signature is required but the issuance of the loan takes place with easier management and without any reason to be connected to the amount requested.
In Italy the most requested online loans without guarantor are personal fiduciary loans, or personal loans without a second signature.
First loan without guarantor
We open this section of the article talking about how to have a loan without guarantor for uncensored or without the signature of a third person. We will first give a definition of the uncensored applicant.
The uncensored is the one who has never obtained a loan and therefore is not present in the credit databases. For more information, see the dedicated article.
Recall that, in general, and for this type of financing, there are not many limitations although each applicant will have to request registration in the credit databases in order to be able to assess their economic and financial situation.
This financing formula can therefore be requested by employees, public or private, on permanent contracts and retired people.
In this case it is therefore possible to request liquidity in the form of small loans without the need for a guarantor.
If you need further information, do not hesitate to contact us. You can do this by calling us or by filling out the form at the end of this article: one of our consultants will contact you shortly to answer all your questions.
Who cannot apply for a loan without a guarantor?
If the list of possible loan applicants, which can also be trivially an auto loan without guarantor, the list of those who cannot apply for a single-signed loan is rather longer.
For example, it is not possible to apply for loans for new hires except in the range of a third person. The same applies to requests for loans with a fixed-term contract; without a co-obligation or guarantor it is not possible to process the request.
Regulation is no longer lenient with loans for the unemployed, nor can loans be made to bad payers without guarantor.
In each of the cases described, funding can only be requested through the three possibilities listed at the beginning of the article, namely:
- Transfer of the fifth : available only for employees and retirees, it can also be requested by bad payers. The liquidity obtained will be disbursed directly to the customer who, at a later time, will be able to use his own loan.
- Payment delegation : available only to employees even if bad payers. Also in this case, liquidity is issued in favor of the customer who is the direct administrator. It will therefore be his choice of how to use the credit in his favor.
- Loan Cambializzato or Loan with Delegation : it is accessible only to employees although registered in the registers of pretexts. The liquidity obtained by the applicant will be disbursed directly, which allows the customer to decide the intended use of the loan in complete autonomy.
We would like once again to underline and repeat that it is not possible to apply for loans for protests without guarantors.
If you already have a lot of debt and don’t know how to do it, you can try requesting a debt consolidation but never with a single signature. In any case, if you want to know how to apply for loans for apprentices without the help of another person, know that it is not possible. We always and only proceed with the three solutions previously mentioned.
In any case, if you need more information or further clarifications, you can request a free consultation through the contact form at the end of the article.
Obtain a mortgage without guarantor
Strange but true, this is a possible solution. It is in fact allowed to obtain a mortgage without guarantee as long as the monthly income is sufficient to guarantee a minimum of subsistence. The average estimates of current Italy identify the minimum to be guaranteed in the figure of around seven hundred dollars a month. This obviously must be added to the payment of the installment of the mortgage itself.
Furthermore, for each dependent family member, the indication of subsistence income will be increased by three hundred dollars. If you want more information, this article can answer your questions.
If you have further requests, fill out the form at the end of the article immediately. One of our consultants will contact you to evaluate your situation. Attention, the advice is free.
On the subject of mortgages, the possibility of applying to single-income families has recently been extended. The request for a single- repayment mortgage without guarantor fully reflects what is the regulation for obtaining a mortgage individually. So what has just been established and discussed about subsistence income is equally valid in all its forms.
In fact, it is clear that the hypothesis of a single-mortgage loan without guarantor is possible only in the case of a very high income or if there is no person to be paid by the applicant.
The same situation affects, necessarily, also makes us request for a 100 mortgage without the intervention of a third party. In this case, unlike what was previously specified, it is possible to find a discount for young couples, single parents and workers under 35: the first home guarantee fund.