Do you want to buy the furniture for your home? You can finally stop choosing used and make your apartment new! Choose everything you like without worries. Good Finance is here to help you complete the action in complete tranquility.
Rely on our company that has been operating in this sector throughout Italy for over ten years, always available to every customer. Request a home furnishing loan quote now and get the liquidity you need. Within 24 hours one of our experts will be at your complete disposal. Reliability and solutions at your fingertips!
Furnishing Loan: What is it?
The furnishing personal loan is used to obtain useful liquidity to housing, such as to furnish some or all of the house. There are two ways to request a furniture loan, or through personal financing , where liquidity will be credited directly to the current account, with the installments provided for in the contract, or through the finalized loan where the retailer establishes an agreement with a credit institution and the applicant must activate the loan which is bound to the purchase of the asset.
The sum is given directly to the seller and the buyer reimburses the loan. The maximum liquidity that can be requested is € 30000 and can be extended with a repayment plan of up to 120 months . This duration allows you to request large amounts, while keeping the rate low. If you want to request a free quote without obligation, fill in the following form: Click here and entrust our experts!
Furnishing Loan: Who Can Request It?
The personal furnishing loan is accessible by everyone as long as it has a clean credit record. In order to get the funding must not result in any database as CRIF, Experian or Ctc and considering that banks have the ability to access and consult the Central Bank of the risks of Italy, there is no way out.
All people with reports due for example to payment delays will be entered in the database, it will be impossible to access the loan even for protested . Therefore they can request funding for employees, pensioners and the self-employed aged between 18 and 75 at the end of the loan, so the credit is reserved for those who have the ability to repay the debt with a demonstrable income .
Furnishing Loan: Why is the request rejected?
A credit institution rejects your personal loan application if you are registered in any database, this would therefore mean being a bad payer. This happens in case of reports or protests. Therefore the loan can be rejected for having paid the installments of a loan late or not having actually paid them, for having applied for a loan too recently and perhaps with a negative outcome, to have many monthly commitments that lead to having a high debt or for have signed as guarantor for a loan in which the applicant pays badly the installments.
It is advised not to continue to make other personal loan applications after the first refusal, as the report remains in the database for 30 days , therefore it is necessary to wait for the time necessary for the cancellation, otherwise the second request will be automatically rejected and will increase the time of the name in the database.
The protests instead result when a person has had problems with bills or checks , always for the delay or non-payment of the installments of the latter.