Guide to loans and financing. A guide with information on how to choose the best form of a loan, how to compare interest rates with those usurers, which rules of conduct to follow when one forgets to pay an installment to not become “bad payers”. And still useful tips on how to apply for a personal payday loan, how to compare the various offers objectively and much other useful information on personal and non-finalized loans.
What is the insurance surety policy, or insurance guarantee, what does it cover, how much does it cost, what types exist, what is the difference with the bank guarantee.
Credit History Checker
Information on credit history Checker: what is it, what is it for, services for consumers, data request forms, access to data, data deletion, contacts.
Guide to the Injunctive Decree: what it is, what it is for, requirements, issue, notification, appeal, immediately executive, online, European decret.
How to Get Out of Debts
I want to get out of debt, what can I do? Here are some useful tips to try to get out of the over-indebtedness situation definitively.
Credit Merit: what it is, what it is used for, how the estimates and assessments are carried out and the rating classification for individuals and companies.
Difference between Loans and Loans
What is the difference between a loan and a loan? And between loans and personal and finalized loans? Let’s be clear.
What are loan guarantees. Even if they are not mandatory, they are sometimes requested. Here are types of them.
To early extinguish a Financing: When is it convenient?
Extinguishing a loan or loan early or partially is a consumer right; that’s when it is convenient.
Right of Withdrawal Loan (Right to reconsider)
In which cases and at what time can you withdraw from a loan or financing contract, procedure to be followed and facsimile of letter to be sent.
Missed Payment Loan Rate: What Happens?
Here is an overview of what risks are taken and what can happen to the consumer (ie the debtor) who does not pay the loan installments.
Early Termination personal payday loan
The consumer has the right to pay off the loan early. Here is the reference legislation, when it is convenient to repay in advance and how to calculate the residual debt and the penalty of extinction.
Early Repayment Loan
Early repayment of the loan: this is how to repay the amount due to the lender in advance, the relevant legislation and other useful information.
What are insurance policies for loans, when they are mandatory and when optional, what types exist, what do they cover, advantages and differences?
Consumer Credit Reform
All the changes introduced by the Consumer Credit Reform, which is governed by Legislative Decree No. 141 of 13 August 2010.
Apply for a loan: what to do and know before applying for a loan
Do you want to apply for a loan? Here is a list of tips and things to do and know before asking for a loan.
Loans and Loans Glossary
A useful glossary with all the definitions of technical terms related to loans and financing. To always keep in hand.
The credit scoring of the loan, or acceptance score, is a statistical method used by banks and financial intermediaries to assess the degree of reliability and solvency of customers.
Comparison of APR Revolving Cards
Comparison of the Annual Global Effective Rates (APR) of the main revolving credit cards in circulation.
Loan Wear Rate
Rate Usury: what it is, what it is used for, how the rate of wear and tear in loans is calculated and the usurious interest rate tables updated.
TAN, APR and TEG in Loans
TAN, APR and TEG in Loans and Loans: what they are, what they indicate, what differences there are, how they are calculated and why they are so important for the consumer who requests a loan.