What documents are needed to apply for a loan
The request for funding is now an event on the agenda. Many Italians find themselves having to resort to loans to carry out their projects. And although it is not possible to be certain that the bank will provide the requested credit, in order to shorten the disbursement times, it is preferable to immediately submit all the documents necessary for financing.
These are made up of fiscal and economic documentation. The tax documentation to be submitted when applying for a loan varies according to whether the applicant is an Italian citizen, an EU citizen or a non-EU citizen. For Italian citizens are required: identity document and tax code.
If an EU citizen is submitting the application, an identity card, a certificate of residence in Italy and a regular certificate of regularity of stay are required. In the event of funding requested by a non-EU citizen, a residence document is sufficient.
Likewise, the economic documentation varies according to the activity carried out by the applicant. Employees are asked for the latest paychecks and the CUD. The self-employed, on the other hand, must submit the latest tax return and form F24 which certifies the related payments. For pensioners, the pension slip is usually sufficient.
Requirements for obtaining a loan
Presenting the necessary documents for financing is essential to obtain credit, but also having certain requirements is necessary. Specifically, only adults over the age of 75 can obtain funding.
Banks and financial companies also grant loans only on condition that the applicant has an income that ensures the repayment of the debt. In the absence of adequate solvency capacity, it is not possible to obtain sums on loan.
Not only. The applicant must be financially reliable, i.e. not be reported as a bad payer in the CRIF databases. Loans on assignment of the fifth are exceptions, also accessible to those who already have other loans in progress and to bad payers.