Loan Guarantor! What is the Documentation?

Loan Guarantor! What documentation is required?

Loan Guarantor! What documentation is required?

In order to contract the many types of loans found in the market, in certain operations the credit applicant has to appoint someone who will be jointly and severally liable during the term of the contract. This person is commonly called the Loan Guarantor. The role of this individual is of paramount importance in order for the agreement to be effectively completed, and the requested value be released for use.

Prior to any request, the borrower without income ability may have a person to be their guarantor in unsecured or collateralised loan operations. What does it mean to be a guarantor? In short, it is an economically active citizen who becomes responsible for giving real assurances that the money requested on the loan by another person is paid.

This means that if the individual applying for the loan, personal credit or financing is unable to honor their debt, the Loan Guarantor will be sought and will have to take over the account. However, it pays “only” the debit amount, not the charges (fees, interest and other fees). In fact, this point differs from a “loan guarantor”, who must also pay the interest applied on the balance.

Necessary documents

Necessary documents

Well, the list of documents requested from the Loan Guarantor is somewhat extensive, but nothing that will entail great efforts. We are going to the relationship: RG of the Guarantor (and your spouse if you are married), CPF (also of the spouse, if any), proof of residence of the current month (if necessary from previous periods), marriage certificate (no need if you are single) and declaration of ability to pay. It is common the requirement of proof of income with official and recognized documents.

Possibly you have noticed a detail in the paragraph above: the word spouse. To be a loan Guarantor when the person is married, it becomes mandatory that the partner is not only aware, but in accordance with the entire transaction. If you do not agree, nothing is done.

Once all documentation is confirmed, and if everything is ok, it is more than certain that the Guarantor is accepted to play the role of jointly responsible for the negotiation. However, neither the borrower nor the Transaction Guarantor can forget something primary. In order for the request to be approved, a search for credit restrictions will be investigated through consultation with the protection agencies.

If the finding is positive, the Guarantor is on the “blacklist” of agencies such as SPC and Serasa or CCF, it will not be accepted in the negotiation, that is, the claimant will have to look for another person to be a Guarantor of the loan. An interesting point in this collateralised transaction, in the act of signing the contract, unlike a guarantor who has a contract of his own signed by him, the guarantor puts his name on the same document as the applicant for the loan.

You approve the loan they offer you in the bank

Today who approves your loan? The bank? The financial? And you, do you approve of the loan they offer you? One of the most blunt questions I’ve heard on television in recent times related to finance, what happened happened this week watching a movie, suddenly a new commercial of Brazillian Bank appears with the same interlocutor, everyone already knows that it is, Reynaldo Gianecchini clear ! He asks if ” you approve of the loans they offer you.”

This question made me reflect a lot, in general we only ask the loan to the banks or the financial institutions and they in turn make available their credit in the way they understand, according to their relationship, the financial profile and also the movement of the account banking.

Interest is applied and offered in accordance with various factors that will contribute to a good or bad rate, low or high, satisfactory or unsatisfactory. I have an account with three large banks, Santander, Itaú and Brazillian Bank, I know the interest, rates and conditions of each of them, so I can make comparisons more effective than what will be best for me when I need it or when I need it loan.

How do you approve the loan you borrow from your lender?

How do you approve the loan you borrow from your lender?

It is best not to need to borrow money in bank, financial or any other way, but obtaining interest money can be useful in many moments of a person’s life. So we can conclude that borrowing is not so good, but is not it that bad? In my opinion it can be extremely satisfactory if done with discipline and financial organization.

For a small or medium-sized company for example, raising money can define the success or failure of it in the market. For an individual in times of urgency, in business or even to utilize the resources for a calculated investment, in the future it may yield good profits. See the new video of the commercial of the Bank of Brazil ” You approve the loan that offer you “.

Do you approve of the loan they offer you?

Do you approve of the loan they offer you?

Usually the one who approves the loan is the financial institution or lender, the contractor only has to agree with the conditions offered, and few clients actually have conditions to barter improvements in interest rates for the concession. First, it is not in the habit of moving financial resources and income through the bank account.

Second, because you have no closer contact with your bank managers or your account managers. And when it comes time to request the operation, you do not have the chest to say ” I do not approve of this loan “, do you have a better condition? Have you ever thought you could say that you do not agree or approve the loan offered to you? It would be great is not it.

How to approve your loan and bargain with the lender?

How to approve your loan and bargain with the lender?

This is not so far from the reach of account holders. build a good credit history with your financial institution, concentrate all your movements can also yield good results when applying for credit, pay your bills in days and now with the newest positive register yet, if you register in this program is essential for those who do not have many resources.

In any case, if you are able to bargain in good conditions, whether it is to apply for credit, loans, finance with property and property guarantees, or hire banking services, it is important to be 100% qualified otherwise it is difficult to enter a dispute.

I do not believe in this good news for all, but we can not deny that Brazillian Bank has interesting interest rates, negotiating is a difficult time at this bank.

Save your financial health with a quick loan

quick loan is a formula designed to solve your monetary difficulties in an easy, safe and transparent way, besides improving your financial situation in a responsible way. Quick loans are intended to cover urgent financial obligations in the short term. The objective of quick loans is to avoid personal loans that are extended over time. It is important that clients remain free of debt. The quick loans are considered as solutions for the client and not as problems, so they offer you facilities to perform your operations safely and quickly.

What conditions do I need to request a quick loan?

What conditions do I need to request a quick loan?


Being over 18 and having an operating mobile phone, a bank account and a debit or credit card are the only requirements to access a quick loan. Create your user account and fill out the personal and financial forms requested. You will receive a text message on your phone with an activation code. Now, just wait for the confirmation and you will have the money in your account in 15 minutes. All this without forgetting the invoice.

How do you get your credit fast?

How do you get your credit fast?


To get a quick loan, you only need to provide the information of your debit or credit cards. When the loan expires, you do not have to worry, because the quick loan is responsible for making the return for you. You also have the possibility to pay by bank transfer. In the event that you can not afford your loan, you can only pay the fees and extend the term and conditions.

How can you apply for quick loan and for how much money?

How can you apply for quick loan and for how much money?


The amounts of money you can request with a quick loan range between € 200 and € 800. The term you choose, with the convenience of returning your money until after 6 weeks. The conditions offered by the quick loans are flexible and you have a personalized attention tailored to your needs. At the end of the term, you have the possibility of renewing the terms paying the interest of the first term, corresponding figure only to fees. In this way, you can return the debt in a comfortable way and at your own pace, as well as access, at any time, your user account to pay your loan, extend it or view the status of your account.

Can I cancel my quick loan?

Can I cancel my quick loan?


If you decide that it is not the time, you have the possibility to cancel the contract within 2 weeks. Then, you will receive a form in the mail that you must fill out, sign and resend, so your quick loan will be canceled. As you can see, acquiring a quick loan has advantages that you can not miss.

Personal loans with financial credit institutions: With what conditions?

Personal loans with Financial Credit Institutions are possible. But asking for them through financial entities is not. You already know that traditional banks close the door to the possibility of granting financing to anyone in a delinquency file. However, as we always mention in our entries, there are entities that do have the freedom to act, granting capital to people who appear in any list and always respecting the Law.

Thus, there are companies of a financial nature in Spain that admit the granting of quick loans, but what are the requirements of this personal loan with Financial Credit Institutions? With what conditions? Next, we detail this information.

Personal loans with Financial Credit Institutions: what are your requirements?

Personal loans with Financial Credit Institutions: what are your requirements?

Being inside Financial Credit Institutions is something that works against you in any entity. Therefore, there are companies that admit the granting of credits to help people who need amounts of a not very high amount. However, all requests are accepted if there is any type of money back guarantee.

You must remember that, for the amounts loaned, this financing can be returned even in a single installment. If the amounts are high, as in the rest of products, the terms are extended, although without extending too much in time.

Regarding the conditions of the loan, no excessive expenses or interests are imposed, contrary to the popular belief that, in these situations, there is a greater risk and, with it, a greater interest.

Conditions that the applicant must meet

The companies that provide financing, even if they are in files of defaulters, must have the accreditation (identification) of the applicant, in addition to verifying that their residence in Spain is legal. Some entities may request that the subject provide guarantees of having regular income or solvency tests. Another requirement is that the applicant is over 18 years old.

The documentation that will be required for the granting of the loan

In many cases and with the demands that have been described, most of the companies that admit to contributing capital to people that appear in Financial Credit Institutions, allow to have enabled online methods of requesting credits, so this process is usually facilitated.

In addition to the aforementioned, you will be required contact means (such as mobile phone, for communications) and bank account (so that the full capital arrives).

What it means for financial institutions and debtors to be at Financial Credit Institutions

When a company that is associated with this file includes different data of a person for having a default, regardless of the amount, the banks close the possibility of granting financing.

This strategy aims to minimize the risk of defaulting on entities, but over time it has been ineffective, since companies that grant personal loans with Financial Credit Institutions have not increased their delinquency.

At the other extreme is the person who, from the moment he is included in the file, must be aware that it will be practically impossible to ask for funding through his traditional entity. Thus, the debtor must be notified that it is in this file. Once your name appears in the file, the debtor has the possibility to pay what is owed and leave the file, or oppose the publication, claiming different reasons and relying on documents that certify that you should not be in Financial Credit Institutions. After a study of the documentation provided, the file will be transferred to the entity to provide the data of the claim.

Personal loans with Financial Credit Institutions are possible, although you must meet certain conditions and requirements that we tell you on this page to accept the financing we want.

Personal loans online for dental treatments

Do you want to finance an orthodontic treatment with a personal loan online? We offer you the best solutions for personal online loans for dental treatments. Given the lack of help to fix your mouth, you can always count on our help to find funding for the treatment of the dentist.

Get financing even if your salary is low, provided it is demonstrably that you have a fixed monthly income.

Financing the dentist with the best interest rate in the market is possible.

Personal loans online: the solution to fix your mouth

Personal loans online: the solution to fix your mouth

The best offer to fix your mouth with personal loans online. We work with all the offers of dental clinics that currently provide their services in Spain. Get your budget, ask us for the amount you want and you will get the best payment terms and the lowest interest rates.

Why choose Astro Finance?

Why choose Astro Finance?

We offer the possibility of finding personal loans online faster and easier than our competitors. In addition, we give you access to competitive interests within the microloan market. Thousands of people have already enjoyed a healthy smile thanks to our help with financing.

Main dental treatments

Main dental treatments

At the time of having to pay a dental clinic, the most important thing is to make a personalized budget with the treatment to be carried out and comfortably pay for the treatment that we want. And all with the best installments or the best deadlines.

These are the most demanded treatments:

  • Teeth whitening : get funding to remove stains from the surface of the denture. There is currently even a whitening at home or whitening with LEDs.
  • Implants : these pieces of titanium replace the root of the tooth and are embedded in the jawbone. A dental cover will be installed on the implant to replace the tooth.
  • Orthodontics : this process tries to correct defects in the position of the pieces using the famous brackets. In this case, prices can vary enormously, from 1,000 to 5,000 €.
  • Fillings : in the filling process, the entire area of ​​the tooth affected by caries is eliminated and filled with adhesive material. Prices, in some cases, are around € 500.

With our service of access to personal loans online you can get money at any time of day, 365 days a year. No hidden charges, no documents and getting a loan quickly, which gives you a credit decision instantly (in less than 15 minutes you will get a response). The advantages of these dental loans to get the smile you’ve always wanted are many:

  • Get the money you want through the Internet.
  • Rapid response for emergencies: money almost immediately.
  • We know your needs: our collaborating lenders adapt to the terms you want every day of the year, without hidden fees and with the best deadlines.

Loan on the web: how to apply and what is the best?

Want to know how web lending works , how to apply for your loan without leaving home and what is the best credit online?

Applying for a loan through the internet is simple and quick: just have your personal data (name, RG, CPF), proof of income and residence, and an email account that you have access to.

With this information ready, it is easy to apply for your loan on the web .

What is the best loan on the web?


The personal loan is the type of loan that is worth it for those who need quick cash.

If you can prove that you have an income and have a clean name, applying for an online personal loan is even easier, but that does not mean that your personal loan application is approved automatically.

Every loan application, including at banks, goes through a credit analysis, which includes document evaluation, name restrictions, credit score, and income impairment.

The best loan on the web is the one that fits in your pocket and does not compromise your monthly budget. Learn how to get a cheaper online loan .

When to apply for a loan on the web?


If you still have doubt whether personal loan is the best solution for you, we have selected a few examples of times when a personal loan is welcome.

But we also reinforce that you can use the money for whatever you want! Here are some situations to apply for a personal loan :

  • The overdraft is consuming your salary;
  • Pay a course or trip in sight and get good discounts;
  • By some unforeseen, you do not have the money to pay a debt;
  • Travel loan : you do not need to compromise the card limit;
  • It prefers to have a debt to several: you pay the outstanding debts and you have only one;
  • You do not have the money to pay the credit card bill and want to get rid of the debt ;
  • To pay for wedding or party services and thus to have more control over finances;
  • Thinking about renovating the house faster? So, loan is the best choice!

How to apply for a loan on the web?

How to apply for a loan on the web?


Applying for a loan on the web is very simple: Bom Pra Crédito is reliable, secure and free. All you have to do is sign up and you’re done: automatically, your online loan application is sent to our partners at the same time.

Shortly afterwards, you can choose the loan that most suits your profile. But beware: if you take too long to close your personal loan application, your credit proposal may expire .

Do not wait any longer: order your loan online now or continue your online loan application from where you left off.

Why apply for a loan on the web?


The online personal loan is an excellent option for those who do not want to waste time in banks or financial to compare loans.

At Bom Pra Credit, your loan application is evaluated at the same time by several partners, thus facilitating the choice of the best loan for you.

If you are one of those who does not give up understanding how a loan works, Good Credit explains how to do a loan simulation .

And you can do your simulation right now and you’ll already know how much you will pay on each installment of loan or financing, among other information. Check out:

What loan repayment options?


  • Automatic Debit: the portions of your personal loan are deducted monthly from your current account, on the date chosen in the contract;
  • Bank slip: payments must be made monthly at your bank (ATM, service, app) or in lottery;
  • Pre-dated check: checks must be completed with the payment date of each installment and delivered to the bank or financial institution.


Carefree loan: Take advantage now!




have experience in this field for over ten years and work throughout the Italian territory. have continuous offers dedicated to the realization of your dreams , you just have to discover them! Find out how work and you will always come back to us! realize your projects, big or small, according to your needs. Contact us and give a true form to your dreams! 

Carefree loan : How does it work?

The carefree loan offered by allows you a maximum liquidity of 80% for the purchase or renovation of your home. The duration that offers you for the carefree loan starts from 5 years and five in five comes up to a maximum of 30 years to allow you to pay an installment that is at your reach. guarantees you a constant payment and a fixed rate of carefree mortgage for the duration of the loan . To apply for the carefree loan the applicant must have residency in Italy, Vatican City or Republic of San Marino. A person who does not have Italian citizenship must be resident in Italy for at least 5 years to access the carefree loan of . The age to apply for the carefree loan starts from a minimum of 18 years up to a maximum of 80 years, calculated in such a way that the sum between the duration of the loan and the customer’s age is less than or equal to 80 years. requires as working requirements to access the carefree loan, a permanent contract that is not valid if in the trial period or be a freelancer. Lastly allows you in an optional way to activate insurance coverage in case of loss of job, premorence or disability. To accurately check all the details of carefree mortgage, go to the exact page through the website : https://.it/it/Individui-e-Famiglie/Mutui/Mutuo–Spensierato

Carefree loan : How can I apply for a loan?

You can apply for the carefree loan that offers you by going to the branch that is most convenient, if you do not know on the website you can check the institutions closest to you. You will have a direct consultation with an expert of the Staff and obviously to the appointment you will have to bring all the documentation, which must be related to the personal data and the monthly income received. A quicker and more practical method is to fill out the carefree loan application directly online on the website, you only need to enter some key information to allow the Staff to contact you. If you want to apply for the carefree loan below leave you the link that will land you on the website, to fill in the request you must access the field: ” take an appointment “: https://.it/it/Individui-e-Famiglie / loans / Mortgage–Carefree

Carefree loan : common grounds for refusal.

As you probably know to access this type of loan that offers you , called carefree loan, you must have a clean credit card in all previous years. Therefore it is useless to apply for the carefree loan if you are registered in the database resulting in a bad payer or protested . If you have paid several installments late or even one, if they have never been paid, if you have too much debt, you can not apply for the carefree loan of . Even never having access to a loan can lead you to a rejected request, just as a recent application with a negative result will not allow you to access the carefree loan financing . Unfortunately there are no solutions to cancel the name from the database or reduce the time, you just have to wait for the period of the report avoiding to ask other questions around.

Carefree loan : loan refused. Now what do I do?

Trust in society! Credit has been working in this field for over ten years, dedicating itself to customers all over Italy. are not collaborators with the crif company, therefore the request on site is purely online and will not entail any registration in the database . have the possibility to offer you a loan even if you are a bad payer or protested . To access this loan you must be in possession of a permanent contract with a company srl, spa, cooperative, public body, state or retired. The contract must have a minimum of three months’ seniority and a minimum pension of 600 euros per month. Do not waste any more time and check out the best offers that ISICredit offers you! Find out with the consultants the loan or mortgage best suited to your needs. Finally realize your dreams , the new house, the purchase of a car, the bike, the furniture will finally become a reality with ISICredit. Hurry up and do not miss the opportunities that have limited duration!