Which process should I follow to get a 30000 euro loan? How to get the best and most advantageous options?
Let’s see it together in this guide of ours, in which we explain to you how to ask this bank for a sum that can help us solve some problems or renovate your home … Here’s how to choose the right loan for you!
How to obtain a 30000 euro loan
If you need to get a 30000 euro loan, Unicredit offers you the chance to have the amount of money you need quickly and without going crazy behind a complex process. If you want to get this sum, the first thing to do is a quote.
The fast and easy loan, it is a finalized loan with which you can proceed with the purchase of what you need, a car, a holiday, a motorbike, etc. However, this loan does not allow the purchase of a house, land or the use of renovation costs. It is, therefore, a loan with constraints.
The 30000 euro loan amortization plan ranges from 3 years to 7 years, to repay the installments just provide the details of your current account and will automatically withdraw the amount each month. You can also customize the installment directly in the quote.
The finalized loan provides three options for the repayment plan :
- Installment skip;
- Installment change;
- Top up the loan.
Thanks to the installment jump, it is possible to postpone an installment every year that will be paid at the end of the amortization plan. With the installment change you can change the monthly amount and the duration of the plan for the repayment of the sum. The request for the loan top-up solution can be made after two years of amortization and cannot be requested more than three times.
The option therefore allows you to ask for liquidity to be added to the sum, but the amount that does not exceed the sum reimbursed by the debtor up to that time must however.
The necessary guarantees
As with any type of loan, even with Unicredit there are guarantees to be given to the credit institution to obtain it.
The guarantees to be provided are the same also for those who do not have a payslip and/or even for those who are included in the list of bad payers or for the person who has been protested.
Here are the different guarantee options needed to apply for the loan:
- The pay slip : a solid guarantee that allows you to get a loan quickly and at advantageous rates;
- The guarantee of a third party : with the support of the guarantee of a third party, that is a parent, a friend or a relative, you can have a loan. With the guarantee of the third person (as long as it can be a guarantee) the loan is obtained, but the guarantor could become responsible for the return in place of the person who requested the loan;
- The pension : a guarantee for a solid loan , but in this specific case it is the duration that the number of installments can change and be reduced depending on the age of the subject;
- The salary-backed salary : it allows obtaining the loan in general even if you are a bad payer or if you have been protested. The sum to be returned to the bank will be withheld from monthly salary.
What do you need to get it?
To obtain the loan with Unicredit it is necessary to provide at the time of the request:
- The pay slip or the pension slip;
- An identity document.
The documents must also be provided by those who are bad payers or those who have been protested. No need to bring other documents, the rest of the operations will take the institution directly.
How long to get the money?
In general, if the loan request to Unicredit has been submitted directly online, the loan can be taken into account as early as 48 hours after the application is opened.
In the event that the sum is requested in a branch, it will be the appointee himself who will tell you what the waiting times are for obtaining the loan you need.
The interest for the loan of 30000 euros
Through the online quote and also through a quote made directly in the branch, you can immediately know the interests then in TAN and the APR. The TAN, or the interest rate, and the APR or the synthetic index of the total cost of the loan, can vary depending on the type of loan.
The APR is the cost of all commissions to be paid for the loan application process. Since TANs and APRs can change we recommend checking them properly and choosing the lowest and easiest to repay.
The 30000 euro loan for the protested subjects
We can not give the certainty that allows obtaining a loan even if you have been protested or if you are on the list of bad payers, so to know if allows you to still get the loan it is advisable to ask for information directly in a branch.
A specially trained representative will assess your situation and decide whether to accept the loan request or not.
One way to be able to get a 30000 euro loan with Unicredit even if you have been protested or even if you have been branded as bad payers, you can choose to give the salary- backed loan as a guarantee.
With the assignment of a fifth of the salary, it is often possible to have lower interest rates and even to have plans to repay the sum in 10 years.
Credit loans for temporary workers
Even if you are a temporary worker you can ask for a loan of 30000 euros as long as you give guarantees.
In this case, to get the loan, it is necessary that the number of installments does not exceed the contract months that remain. The additional conditions for the loan are the same as those offered to those who have a permanent contract.