Loan is a personal loan, reserved for individuals as credit for the purchase of goods or services that are not related to professional activities carried out. It is supplied by InDirect and is characterized by being extremely flexible and at no expense. In fact, there are no costs for the opening, closing and management of the loan. The loan lasts from 12 to 84 months and the amount is between 3,000 and 50,000 euros.
In this way it is possible to meet the needs of a wide variety of users. One thing to keep in mind when talking about Loan is the fact that you can take advantage of the free skip options and reduce installment. In the first case, the user is allowed to skip the repayment of the installment three times, in the latter to reduce the amount by two times at most. A fixed TAN of 6.95% and an APR of 7.63% are applied. However, you can link the Loan to your Account if you have both products. In this case the installments are debited directly to the current account and therefore the bank guarantees a 0.50% discount on the TAN.
Requirements and methods of delivery
The Loan can be requested both online and in the branch and the procedures last a few minutes. In particular, the times are extremely reduced when you have an Account on which the salary was credited. Just fill in the appropriate form with your details and those of the loan. If you opt for digital mode simply upload the documents to be attached and validate the request thanks to the digital signature. In a few minutes you get a partial result and then the final answer from the credit institution, once the request and the attached documents have been verified.
If the application has been accepted, the amount of the loan is credited to the current account indicated by the customer in a short time. Also remember that on the page dedicated to the Loan you can calculate the quote for free. Finally the funding can be managed in first person remotely and online. In the first case, just use the dedicated app (available only on smartphones and tablets that support the operating system Android or iOS), in the second you must access the Customer Area of the Internet site of the bank using their credentials.
Some elements to keep in mind
Opting for a loan through the Loan allows you to take advantage of some additional services. First of all, it is possible to have access to advantageous conditions in the event that the beneficiary of the loan wants to carry out sustainable projects. To obtain the reimbursement of one third of the interest, one or more bank transfers must be carried out within 12 months of the loan, aimed at supporting energy redevelopment work for an amount equal to or greater than 70% of the loan. Also within this date, the documentation that certifies the filing of the documentation is sent to the bank.
The amount to be repaid is divided into units to be paid every 12 months until the loan has expired. It should also be noted that the beneficiary of the loan can take out an insurance policy to protect himself against the risk of not being able to repay the Loan in certain circumstances. In this case the insurance premium is integrated into the same monthly payment for the repayment of the loan. The protections are designed according to the profession of the beneficiary, who can be considered as an employee, self-employed, non-employee or a non-worker (for example, a pensioner).
In all three cases protection against death, serious illness and permanent total disability caused by an accident or by an illness are foreseen. For workers, insurance coverage against loss of work was also provided for. Finally, the self-employed integrate protection against the risk of accidents, serious illness, hospitalization and total temporary incapacity (due to a disease or an accident).