How To Get Small Postal Loans?

To obtain small postal loans there are several options that the customer can turn to.

How the Capital lender loan works

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The first is the Capital lender loan, the ideal solution to carry out your projects by choosing the repayment plan that best suits your needs. Up to 30,000 dollars can be requested and is available in any post office, even those open on Saturday morning. The minimum amount that can be requested is $ 3000 and the maximum is $ 30,000. The duration ranges from 24 to 84 months. The requirements to obtain this loan are not many, it is enough to have a residence in Italy and have a demonstrable income from work or pension produced in Italy.

To apply for a capital lender loan, simply go to a qualified Post Office and present the required documentation, or a valid identity document, health card, and income document. Obviously, depending on the specific characteristics of the applicant and to access particular promotions in progress, additional requirements or additional documentation may be required from the post office in addition to the one we have previously listed.

It is possible to receive the requested amount, obviously in case of approval of the loan, through various methods such as for example by crediting the BancoPosta Current Account, for Capital lender Current Account Holders, by crediting the PostePay Evolution card, for PostePay Card Holders Evolution, by crediting the Ordinary Nominative Postal Savings Book for Postal Bookholders, by crediting a bank account or directly in cash at the post office counter (for amounts up to 10,000 dollars) for all other customers who are not in possession of cards, accounts or passbooks.

The repayment of the installments is monthly and takes place, based on the type of customer, by direct debit from the Capital lender Current Account, Postepay Evolution Card, Bank Current Account or through the payment of postal slips. This is a safe loan as it is possible to subscribe to an optional insurance coverage made specifically to protect the owner and his family.

Flexible Capital lender, for holders of a passbook

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Another small postal loan is the Capital lender Flexible Loan which adapts to your needs and is dedicated to Capital lender account holders or passbook holders. It is possible thanks to this service to change the amount of the installment, or to move it at the end of the financing and also, in this case, it is available in any post office, even in those open on Saturday morning.

The amounts payable range from 3 thousand to 30 thousand dollars and the duration ranges from 24 to 180 months. flexible Capital lender loan is the personal loan that can be requested if you live in Italy and have a demonstrable income from work or pension produced in Italy. To apply for the flexible Capital lender Loan just go to a Post Office authorized to give it and present the following necessary documentation, that is, a valid identity document, the Health card, and an income document.

Also, in this case, depending on the specific characteristics of the applicant or to access particular ongoing promotions, additional requirements or additional documentation may be requested by Italian post offices with respect to that already listed. The BancoPosta Flexible loan is disbursed in a single payment by direct credit to the BancoPosta account in the name of the applicant.

The duration of this type of loan ranges from a minimum of 24 months to a maximum of 108 months and the repayment takes place through the payment of fixed monthly installments automatically debited to the applicant’sCapital lender account.

This type of loan is also dedicated to holders of Ordinary Nominative Postal Book and is disbursed to them in a single solution with direct credit to a bank account in the name of the applicant. The duration of the loan in this ranges from a minimum of 24 months to a maximum of 84 months and the repayment takes place through the payment of convenient fixed monthly installments automatically debited to the bank account.

The borrower’s situation in the country

Saturation with cash loans is growing, especially in the online loans sector. Not every borrower with good intentions will receive a favorable loan agreement to sign.

The market is very diverse and particularly sensitive to monitoring the borrower’s creditworthiness. What is the situation of the average borrower in Poland? About this in the article below.

Market diversification or beneficial?

Market diversification or beneficial?

The credit industry is normally divided into offers for individual clients and services dedicated to business owners. Other target groups of the credit market are farmers, students, pensioners, independent specialists, e.g. lawyers, doctors. The customer in the premium category, with high monthly earnings, always receives a loan agreement on convenient, relatively economical conditions.

The worse the creditworthiness, i.e. the poorer the customer, the worse the contract, which leads to equalization of risk. Retail banks and parabanks are usually profitable to serve one large borrower instead of hundreds of small, which is understandable from the perspective of normal business operations. The lack of access to cash loans is a social and political problem.

Inability to meet basic consumer needs, because it is mainly a cash loan, generates adverse moods in the economy and forces the government to make concessions in managing social programs. Lack of credit in the national (general) economy means shifting the burden to public institutions – social programs.

Creditworthiness is the most important concept

Creditworthiness is the most important concept

On the other hand, the borrower’s limited creditworthiness prevents him from using all available debt instruments. This results not only from the policy of retail banks, but from top-down guidelines of the National Bank of Poland (central bank) and the Polish Financial Supervision Authority. Retail banks service loans as well as deposits from a social perspective. Any threat to the retail bank’s liquidity is clearly reflected in higher economic indicators.

The situation of the borrower, especially the poorest, has been worsening in recent years due to scrupulous creditworthiness checks. Submitting too many loan applications is often completely excluded from signing the contract. The key need is the evolution of the credit market in favor of fair rather than usury agreements. In some contracts, not only interest is the main cost, but commissions reaching dizzying amounts and even fees for reaching the customer.

An aware borrower has a much better chance of protecting his fixed assets. Many contracts on the domestic credit market are secured, e.g. with real estate, or relatively dangerous blank promissory notes. Such behavior is fundamentally negative for the borrower, who pays the risk of losing the property generated for generations by obtaining little money.

Alternative forms of financing needs on the offensive

Alternative forms of financing needs on the offensive

However, there is a significant improvement in the sector of social loans as well as loans obtained from private investors on personalized terms.

A borrower with an unfavorable creditworthiness is able to take advantage of many interesting alternatives, and with the justification of a normal repayment plan receives a loan at a good interest rate.

In addition, you can see virtually the entire credit market through free multimedia comparison websites (integration of all offers). How do you assess the credit market for the average borrower in the country?