But let’s explain in this content how to apply for a mortgage, loan, financing or salary loan if present in the list of bad payers.
We always recommend avoiding being protested. It is also a matter of education, respect and moral ethics. If you skip the mortgage or loan installments you risk reporting to the credit bureau and consequently it is difficult to obtain a loan if you protest, even if not impossible. In fact, even those who are protested can manage to obtain a loan.
These are special loans, different from the others and which have several conditions and are not obtained so easily.
The risk profile is high, therefore the interest rate is usually very high, indeed: sometimes it reaches the limit beyond which it becomes a usurer rate. In all likelihood you will never get to this point, but in case it happens, you can always report the fact and ask for a refund.
Thanks to the salary loan, in fact, to repay the debt will not be the bad payer, but in a sense, his employer. The bank will grant the loan and the company for which the person concerned works will retain one fifth of the value of the monthly salary, and then pay it to the bank.
Which worker can request the salary loan if protested
Loans for protests to the credit bureau through the salary loan can be requested by public employees, by private employees with a permanent contract or with a fixed-term contract provided that it has a duration equal to or greater than that of the loan. Loans in this way are also paid to holders of INPS or Ipost pensions: they will give a fifth of their social security check to repay the debt. The conditions vary according to the type of customer, but a refund is normally granted for 24 to 120 months, at a fixed rate and with insurance coverage.
Loan changed and loan between individuals
For those who cannot opt for the loan through the salary loan, there are two alternatives: to ask for a loan or to agree with a relative, a friend, the neighbor or a company dedicated to this type of services. in short: obtain a loan between private individuals.
In the loan, a monthly installment is paid at the bank counter to repay a loan at a fixed rate and at a fixed amount. The duration of this reimbursement for bad payers reported usually ranges from 18 to 72 months.
Financial between individuals
The loan between private individuals allows you to obtain a loan from a company or a person willing to disburse money behind the payment of an interest rate.
In conclusion, it is possible to request a loan even if protested and reported to credit bureau.