Loans between Individuals Girona

And the possibility of access to credit is the cornerstone of everything related to financing, because without access there is no credit. Particular credit is committed to the fact that access to credit is accessible and of quality.

Private loans in Girona

Private loans in Girona

Thus, broadly speaking, it can be said that private loans in Girona do not differ greatly in the requirements for access to credit that may exist in any other access to loans or credits, but a particular mention can be made of private loans in Girona offered by Particular credit, as it is an undeniable advantage for these: the personal loans of Particular credit being able to be obtained directly from private capital and also from financial institutions optimizes the possibilities of access to them.

Requirements for access to private loans in Girona

Requirements for access to private loans in Girona

Focusing now the matter on the general access requirements to private loans in Girona say that in order to access them you must, a priori, possess a certain level of equity that guarantees the amount to be provided, a good degree credit level and a recurring solvency level that allows the return of borrowed.

However, the fast money lent by private loans in Girona of credit particular are very flexible and for example allow both access to personal loans through real estate guarantees and also with collateral. In addition, being also financial intermediaries before conventional financial institutions, the possibilities of studying each operation are increased.

Of course, another aspect that must be kept in mind is that the fast money to be obtained does not have to be unfailingly guaranteed through own equity, but can also be guaranteed through the provision of third-party credit guarantees that guarantee the operation.

Another aspect that currently comes into play many times is access to private capital financing for ventures that may be interesting in the eyes of investors, but this is another issue and it would take us away from the real issue that is being developed here.

As it was said, private loans in Girona of Particular credit are very flexible and there are many options so you should not despair and take everything for granted if you think that your conditions will not allow you to access credit, of course there are always minimum, but before throwing in the towel it is highly recommended to consult with the expert specialists of Particular credit to study all the variables and options that may exist.

Loan guarantee

Loan guarantee

Having said all of the above, it should not fail to mention what can be provided as a guarantee and how to assess the contribution:

In the first place it must be said that, as has been indicated, in broad strokes also, the two main lines of goods to be provided as collateral are real estate guarantees, and on the other hand, movable guarantees.

Within the group of the first are obviously the homes that can be had, the apartments, second homes or any other real estate entry is admissible as a guarantee. Then, within the group of movable guarantees, motor vehicles, such as cars, but also motorcycles and even inbound vessels are also eligible as a credit guarantee.

In both cases, it has been commented that “at the outset” they are admissible as credit guarantees because that aspect can be conditional, since then the particular conditions of each asset can make it in practice admissible or not as a guarantee. And so, for example, with other charges as collateral for other loans, they can see at least a diminished or even completely annulled ability to act as guarantors of new operations, and then in another order of things, assets in a dilapidated state. or with little or no market value may also be inappropriate to be provided as collateral.

In all the previous cases, the ideal is once again to go to the expert professionals of Particular credit who will be able to value and evaluate such goods, proceed to their appraisal and from there determine their quality and capacity to guarantee the granting of fast money, from urgent liquidity These professionals will always be those who will be able to determine exactly the possibility of accessing personal loans.

The foregoing is especially useful in all cases of direct financing through private capital, but it is also relevant in the figure of Particular credit as a financial intermediary before the credit institutions with which the company negotiates and maintains agreements. And this is so, because, although this last assumption will be the financial institutions that will determine in each case the level of guarantees required and the validity and scope of each of the guarantees provided, a prior assessment by Particular credit It is already very indicative of where the situation should be focused.

Analysis of income and general solvency

Analysis of income and general solvency

All of the above, everything related to the credit guarantees to be provided in order to obtain the required financing must, of course, be accompanied by an analysis of income and general solvency, since it will be the whole that will determine the complete and concrete profile of the subject to be financed and of the ability of this to contract private loans in Girona, but in any case that would be another issue to be addressed in an independent article dedicated entirely to it.

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