How to get a loan even if reported to the crif
With the economic crisis, more and more families are having to request loans and financing to make up for the many expenses. However, it may happen that you are unable to repay the credit lines taken out on schedule. In this case you are registered on the Crif lists of bad payers. Status that makes it difficult to obtain new financing unless it is a loan without a Crif check.
Crif is the main company in Italy for the management of credit information, if you have been reported you can learn more about the topic here => CRIF cancellation. In fact, the data of those requesting and / or obtaining a loan are recorded in the company’s databases. Those who fail to repay installments on time are reported by Crif as bad payers.
But what are loans without Crif check? There is talk of financing without Crif control because before granting a loan or not, banks and financial consult the Crif databases. If the applicant is reported as a bad payer, the lender will hardly be willing to grant the loan.
Loans also for reported Crif
However, there are some personal loan solutions accessible to bad payers and protests. One of these is the assignment of the fifth. This is a particular form of personal loan which provides for repayment by monthly installments reduced by the payee’s paycheck or pension allowance.
Since the repayment of the installments takes place by the employer, or by the social security institution that pays the pension, for the purposes of granting the loan it is not necessary that the applicant has a good credit profile. In other words, even those who have had problems with the repayment of a past loan can obtain a loan on assignment of the fifth. The same goes for those who have suffered a protest.
Since these are products based on the presence of a fixed income, the loans on assignment of the fifth are accessible only to employees and retirees. Self-employed workers are therefore excluded from the beneficiaries.
Loans to independent protestors 2018
The question is different whether to apply for loans without Crif control are subjects who cannot count on a paycheck. Self-employed workers with atypical contracts find in fact greater difficulties in accessing credit than employees.
In this case the best solution is to resort to a person who presents himself as guarantor. In the event of non-payment by the beneficiary, the guarantor undertakes to repay the installments in his place. Loans with bills of exchange, based on the presence of debt securities that correspond to the monthly installments of the loan, should also be considered.
If you have not yet found the answer you were looking for, we invite you to visit the dedicated section where you can find further information on loans without a paycheck.