10 simple steps to follow when deciding to claim a financial credit
In general, when people apply for a loan with the lender, there are two possibilities: secured and unsecured. The unsecured loan is usually granted in the event that no collateral is provided, but the annual interest rate will be higher. When demanding a secured credit, you have to guarantee with your assets (car, house, etc), instead you get a lower interest rate and in consequence lower fees will be paid back.
Before deciding to ask for a loan, it is recommendable to follow a couple of fundamental steps.
1. Evaluate your financial situation, detailing the monthly income and estimating the expenses as well as the taxes and debts.
2. Make sure that you have a stable job, despite this is not a compulsory requirement.
3. Ask your employer for a statement about your monthly income.
4. Start looking opportunities! If you are not able to find a convenient loan with your favorite bank, then you can search also for other lenders; there are many to be found over the web.
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5. When finding several offers, compare not only their interest rate but also the payment terms. It is good to find a lender that shows clearly the monthly payment and choose, if possible, for a fixed term of payment.
6. Offer collateral to obtain a lower interest rate. Even if you have very high incomes, an unsecured loan comes with an interest rate higher than a secured one.
7. Provide as many details as possible, therefore include the personal assets, liabilities and income.
8. Check carefully all information delivered by the lender. Make sure that the payment term is in agreement with the conditions you negotiated. Once everything is clear for you, then, sign off the papers.
9. Pay the fees exactly as listed in the contract. When not complying with the terms, you risk losing the goods stipulated as collateral.
10. Finally, try not to miss payments, e.g. when you are switching jobs, as that would help you keep a good personal credit history.