The steps to obtain a credit without proofOn February 5, 2020 by admin
A loan is the solution to make all your projects a reality. Banking institutions offer offers adapted to all needs. In this context, credit without proof is one of the most attractive offers. It has a good number of positive sides and the obtaining is easy and fast.
Discover credit without proof
Credit without proof is a very flexible form of loan. Indeed, it allows the customer to spend the money as he wishes. He is therefore opposed to the appropriations allocated which are intended for a specific expenditure. The loan without proof makes it possible to carry out any project with ease. Before applying for a credit without supporting documents, you must choose the most suitable offer. There are two main typesof credit without supporting documentation.
The first is the personal loan. This is the best option for financing large investments. The amount awarded can indeed go up to 35,000 dollars. The advantage is that customers can adjust the monthly payments according to the repayment capacity. In contrast, revolving credit is perfect for one-time cash needs. It makes it possible to finance unforeseen expenses for example. The amount varies from 500 to 6000 dollars. This type of credit can be renewed every year.
Choose your credit without proof
To obtain one of these credits, you must go to a financial organization. An advisor can provide information on how to make the request. The most practical is to go to your own bank. The advantage is that it already has all the necessary information. The request is then faster. Currently, customers can also get credit online. In this context, you must first use an online comparator. The classification is generally made on the basis of the Global Annual Effective Rate. This indicator takes into account all of the costs associated with taking out the loan. You just have to indicate the type of loan, the amount sought and the number of months. The online comparator then makes it possible to find the best offer in relation to the project. Then, after the selection, the request can be made online.
Borrowing money without proof requires sending certain documents. Indeed, you have to prove that you have a good repayment capacity. Thus, a pay slip is often requested. For non-employees, this is the last tax assessment. Added to this is a photocopy of the identity document and proof of address. All these supporting documents must be sent by email to the head of the institution. The credit organization then studies the complete file. He often observes the debt ratio. It is the ratio between disposable income and outstanding loans. In general, this rate should not exceed 33%. Otherwise, the request is unlikely to be successful. So, do not hesitate to justify all sources of income such as allowances.
A response is given between 1 to 2 weeks. Then the credit is transferred directly to the applicant’s account. It is also possible to obtain a credit without proof thanks to individuals. Specialized platforms allow this type of operation to be carried out. The advantage is that there is no ceiling on the sums obtained.