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Payday loans for bad credit- Searching for cheap payday loans for bad credit?

Posted on June 7, 2019June 7, 2019 by Benny Cruz

Searching for cheap payday loans for bad credit? Here they are

The cheap payday loan for bad credit from GreenStart.net ..!! is the ideal financial solution when you need money. This product ready to satisfy any customers.

Variable amount and maturity

You can set the resulting monthly installment to your own image. Not only by choosing the target amount but also by the total maturity in combination with the optional fixation time. In the end, it decides how much you will pay off. The calculator from Rod is then a practical tool for getting a monthly payment.

Get money back

You can ask for Loan Loan at any time at all. Not only at the beginning of the reconstruction of the property but also during its course. This bank product will pay you the target expense retroactively, up to one year. Bet on a safe financial solution that you can even refinance your existing home loan. This will give you more favorable payment terms.

Payout table

The amount of the loan	Repayment period	Monthly payment	Interest*	RPSN *	Total *
100 000 CZK	48 months	2 348 Kč	5.25%	6.32%	–	I am interested in
300 000 CZK	120 months	3 265 Kč	5.25%	5.72%	–	I am interested in
500 000 CZK	180 months	3 970 Kč	4.85%	5.17%	–	I am interested in
750 000 CZK	216 months	5 285 Kč	4.85%	5,13%	–	I am interested in

Loan amount: 100 000 CZK Repayment time: 48 months Fee: 2 348 CZK Interest *: 5.25% RPSN *: 6.32% Total *: – I am interested in Loan amount: 300 000 CZK Repayment time: 120 months Fee: 3 265 CZK Interest *: 5.25% RPSN *: 5.72% Total *: – I am interested in Loan amount: 500 000 CZK Repayment time: 180 months Fee: 3 970 CZK Interest *: 4.85% RPSN *: 5.17% Total *: – I am interested in Loan amount: 750,000 CZK Repayment time: 216 months Fee: 5 285 CZK Interest *: 4.85% RPSN *: 5.13% Total *: – I am interested in

A loan of CZK 400,000, with a maturity of 18 years, coupled with a bridging loan for two years, yields an interest rate of 4.95% and an APR of 5.54%. This generates a monthly installment of CZK 2,833. The loan is worth CZK 4,000, and nothing is paid for the management. After two years, the amount of CZK 375,631 will be transferred to a regular loan with a maturity of 16 years. With a 3-year fixation, you will earn interest at 4.95% and APR 5.06%. With a monthly installment of CZK 2,833, you pay a total of CZK 611,638.

frequent questions

How can old invoices be documented for reimbursement? Rod Building Savings Bank should not provide documents for older than 12 months. Since when to repay the loan from Buřinka? The first monthly installment must occur the following month after you have drawn your cash. Regular installments are settled by the 25th of the month. Can you withdraw from the contract? Yes, there is such a possibility here. Even within 14 days of the conclusion of the credit agreement. Loan Amount 100 000 – 800 000 CZK Maturity 48 – 216 months Interest from 4.85%% RPSN from 5,13%%.

Mini Loan Without Payslip

Posted on May 3, 2019 by Benny Cruz

Looking for a minilening without payslip ? Most minilings can be closed without payslip, without BKR testing or with BKR registration.

What is a minilening without payslip?

You can usually close a mining loan or a mini credit without having to submit a payslip. When closing a minilening you specify how much money you want to borrow, your data as name, address and bank number and for example the desired maturity. For a pay slip, most minilines are not asked. You can close a minilening for loans between 100 and 800 euros.

Height miniling without payslip

As already mentioned, you can close minilins between 100 and 800 euros. However, this does not mean that you can immediately conclude the highest minilines. Usually you can borrow up to 400 at 500 euros during the first minilening, because the provider of the minilening wants to investigate whether you will refund your minilines in time. If you have paid your minilening without a pay slip neatly, you can close a higher minilening. After two or sometimes three minilings you can finally borrow the maximum amount.

Duration minilening without payslip

The maturity of a minilening without payroll is variable. Sometimes you can indicate how long the maturity should be, for example you can choose between a maturity of 15, 30 or 45 days, but this does not apply to all providers. Sometimes you cannot choose the maturity of your loan yourself without a pay slip. As you probably already see, the maturities of minilines without payroll are very short. This means that you have to have enough money to pay off the loan quickly. A minilening without a pay slip is therefore in principle very handy, but you must be able to pay it off. So always make sure that you carefully check with yourself whether you can pay the minilening.

Cost minilening without payslip

What are the costs of a minilening without a payslip ? In principle, there are no costs for mini credits without payslip. For most minilines you only pay interest. There will only be costs if you are late with paying off your minilening. These costs can be very high, which makes it definitely important to always pay your minilening back in time.

Minilening without pay slip without BKR testing

A minilening without payslip is without BKR testing. Minilining providers do not look at your BKR if they provide you with a loan, so you can close a minilening without payroll without BKR testing.

Minilening without pay slip with BKR registration

Because there is no look at your BKR registration at minilings without pay slip, you can also borrow money without pay slip with BKR registration. So if you have a negative BKR registration, you can borrow money without a pay slip.

Real estate loan refused despite joint surety

Posted on April 30, 2019 by Benny Cruz

The risk analysis criteria sometimes lead the bank to request additional guarantees from the borrower such as the assistance of a joint surety. It happens however that the mortgage is refused despite the contribution of the guarantor. Explanations with our experts.

The conditions related to the personal guarantee

A loan can be refused even with a deposit. There are two reasons:

The financial position of the guarantor is not strong enough.
The situation of the borrowers is precarious and the bank does not want to put most of the risk on the bond .

The guarantor does not have the financial strength required

In the first case, it goes without saying that the assistance of a guarantor is only valid if his financial situation is likely to reassure the bank. The latter will analyze each element of the situation of the guarantor as it does for the borrower:

The last three bank statements
The last three payslips (for retirees, the latest tax notice)
Loan contracts in progress
The debt ratio
The rest to live

The calculation of indebtedness takes into account the ability of the guarantors to cover the monthly payments of the defaulting borrower . This is why it is very difficult to stand surety when you have credits in progress since you must have the ability to repay in addition to the deadlines of the home loan of the bonded if the latter was no longer facing.

The situation of borrowers is considered too precarious

When the situation involves too much risk, the bank generally refuses to grant the mortgage, despite the concurrence of bonds. The probability of defaulting borrowers plays a very important role in the decision because the bank will not rely solely on the financial ability of the surety to make a decision.

It is therefore primarily the elements that make up the folder of borrowers that matter. It will therefore be necessary that the debt is correct, that the remainder to live allows all the members of the household to live normally and that the professional situation ensures regular income.

The assistance of a surety will eventually be used to compensate for the insufficiency of an element of the file as it is the case when one of the borrowers is in trial period or when the debt ratio slightly exceeds the threshold of 33%. In any case, the risk can not be based mainly on the income of the surety .

What to do in case of refusal

Everything will of course depend on the reason mentioned by the bank. If the reason for refusal is too much debt, it may be necessary to revise your real estate project down. Also try to redo your financing plan with a longer duration. Most mortgages have modularity clauses that allow you to increase monthly payments and shorten the duration.

If you have a relationship of trust with the guarantor (family members, for example), you may consider that they are co-borrowers. In this case, their situation is analyzed in the same way as yours since the repayment of the mortgage is based on the accumulation of the income of all the borrowers.

This solution can however bring some complications, especially in case of succession. In the event of death, the heirs may claim that the sums paid by the parents to repay the mortgage are deducted from the estate of the child who benefited from it.

Loans For Protesters And Bad Payers

Posted on March 15, 2019 by Benny Cruz

In the choice of loans for protesters and bad payers, Cleopar represents an opportunity to be seized, above all for the offer of the sale of the fifth, very often the only way in the credit market to be able to obtain a loan in spite of financial problems has had in the recent past, thus ending up being reported in the end-to-end knowledge company register reserved for bad payers, or in that of protests. In this essential guide we will see the loan opportunities for Cleopar protesters and bad payers, which financial products offered by this credit institution can be used when you have difficulties accessing the market: as we know it is never easy to find finance from reported, but Cleopar, like other companies and banks, tries as far as possible to meet the needs of its customers.

Sale of the fifth Cleopar

The offer for the sale of the fifth Cleopar is the ideal solution for public and private employees, and even retirees, who wish to obtain a loan in a relatively simple manner even in the presence of past mistakes in the financial sphere that could compromise access to credit. For credit institutions and financial companies operating in the Italian market, this solution very often represents the only opportunity for protesters and bad payers, since a fixed and certain income, together with the duration of the contract, make it possible to contain the insolvency risk. The general characteristics of the sale of the fifth Cleopar are:

No guarantor required: the loan is guaranteed by salary or pension
The monthly payment does not exceed the fifth of the salary or pension, equal to 20 per cent of the total
Possibility to repay up to 10 years, in convenient monthly installments
The reimbursement takes place directly with payroll deduction or on the pension slip
Possibility to request an advance on the amount paid
No brokerage fees

The sale of the fifth for employees

For employees in the public and private sector, loans for protesters and bad payers Cleopar are paid out of one fifth of their salary, on which the monthly installment of debt is directly deducted from the employer and paid to the bank. Cleopar provides for employees the possibility of requesting over 75,000 euros to cover any type of expense without proof, with direct debit payroll without having to remember to pay the bill each month. It is possible to request the transfer of the fifth Cleopar also as protesters and bad payers, however each request for funding will be evaluated during the preliminary phase to verify the existence of the necessary requirements.

How to request the transfer of the fifth: the documentation

The sale of the fifth proposal by Cleopar even to protesters and bad payers is accessible to all public or state employees who meet the required master data requirement, which must be between 18 and 63 years, and prove that they have a permanent contract, as well as of course the residence in Italy. To fulfill the request, go to the nearest branch after making an appointment and bring the following documents:

A valid ID document
The tax code
The last paycheck
The Unique Certification (former CUD)

An example of a salary transfer

Through the Cleopar website it is possible to perform loan simulations with the installment calculation tool: since in the fifth transfer the monthly repayment installment cannot exceed the total 20 per cent of the salary paid by the public body or the company where you work, it follows that also the sum that can be requested is directly related to the amount that is received annually divided over the 12 months, as well as to the duration of the repayment period that can be extended up to a maximum of 10 years (120 installments). Let’s try to make people understand how it works with an example of the sale of the fifth of the Cleopar salary :

We consider an employee who receives a net salary of € 1750: in this case, the employee can receive a capital of € 20,000 for a maximum installment of € 350. In this example taken online on simulators the duration can range from 69 months to 84 months, while interest rates will be Tan from 5.90 to 10.90 per cent, and Taeg from 6.80 to 12.15 per cent.

Sale of the fifth Cleopar for pensioners

The sale of the fifth Cleopar is an opportunity also reserved for the holders of a social security check, however pensioners must meet two essential requirements:

Do not exceed 85 years at the end of the loan
Have a pension with an amount exceeding € 501.89 net of the transferable share

Even pensioners can access a loan of up to over 75,000 euros, and a valid identity document, tax code and pension slip are required as documentation.

Example of transfer on the pension

As for the sale on the salary, let’s try to make a similar example of transfer of the fifth on the Cleopar pension to clear our ideas on the amount of the installment and the interest rates, always taken from the online calculation tools that are on the web: imagining a request for 5000 euros made by a pensioner who receives a social security allowance of 1000 euros a month, will have a maximum rate of amortization of the debt equal to 200 euros, for a transfer of the fifth fixed in 30 months. As regards the interest rates applied to the financing by Cleopar, we will always have a Tan between 5.90 and 10.90 per cent, while the corresponding Taeg will fluctuate between 8.45 and 13.99 per one hundred.

Cleopar Uno debts consolidation

If you are an employee or retiree with existing funding, having difficulty managing all these deadlines, Cleopar offers you the possibility to access debt consolidation, a tool to simplify this tangle of financial situations and at the same time try to have also additional liquidity. In possession of a regular employment contract of indefinite duration or receiving a social security check you should not have access problems such as loans to protesters and bad payers, however it is always good to ask in detail to the financial company if the Cleopar Uno debts consolidation is accessible in its own situation reported in the archives, since as always in the preliminary phase the institute reserves the right to assess the compliance of the loan application with its own risk policies.

Main features

The main features of the Cleopar Uno loan can be summarized as follows:

Single financing management
Rapid delivery times
Amounts up to 30,000 euros
Personalized solutions
Simplification of deadlines in a single installment
Professional advice

Requirements and documentation

All residents in Italy, aged between 18 and 70, can apply for Cleopar debt consolidation: from the documentation point of view, the following certificates must be submitted to the branch

Valid identity document
Tax code or health card
Last paycheck for employees
Last tax return for self-employed workers
Last pension slip for pensioners
For foreign citizens, residence in Italy for at least 1 year and a valid residence permit are required

Delivery times and methods

Once the preliminary phase is completed, it is possible to receive the agreed amount within 24 hours by bank transfer or check. From the point of view of the amortization of the debt, Cleopar’s Single loan provides that the repayment can take place with automatic debit in bank or postal current account, or with bills to be reimbursed in the SusiPay or LosPa points of sale, at Quopay Authorized Points, in supermarkets of the Large-scale Organized Distribution, at Post Offices or in all other authorized establishments.

Associated with the loan Cleopar proposes a series of optional insurance policies that can be included in the loan and the cost of which must be included in the Annual Global Effective Rate including all the expenses and charges related to the loan itself.

Bad paying independent worker: are there any possibilities?

In the context of the loans for protesters and bad payers Cleopar so far analyzed, the preliminary condition for accessing finance is that of having a permanent employment contract or receiving a check from a pension institution, in short, a certain income for which the difficulties and restrictions given by reporting in databases. The question changes enormously if we talk about self-employed bad payers or protesters, so, it is good to clarify it right away, access to credit is extremely complicated, unless you have alternative rents or movable and immovable assets to put under guarantee, but not it is said that the institute accepts the loan application. It exists then the possibility of appearing in a branch with a guarantor with a solid financial reputation and a sufficient balance sheet to be able to pay the debt in the event of non-payment of installments, but also in this case the loan with guarantor must be pre-evaluated by the institution of credit and it is not said that it gives its consent.

Mini Credit Cleopar

Another attempt that can be made for those who need only small numbers for a sudden need for liquidity is the Crediterm Cleopar, a reserve of money that does not exceed 1,500 euros and that is automatically replenished by repaying the principal amount of credit used with small installments and fixed, which can be 50 or 100 euros per month, based on the debit balance. In short words

Crediterm is a credit line that allows you to always have at your disposal a reserve of money that has a maximum limit of 1500 euros, and this sort of liquidity reserve is reformed by itself by repaying the principal amount of the credit used through the payment of a fixed monthly installment, which varies according to the debit balance.

To be sure that the Crediterm Cleopar can be activated even in the presence of a self-employed worker who has had past financial problems, it is necessary to go to the branch and wait for the preliminary phase, but the low amounts could reduce the possibility of risk and play in favor of the applicant.

How it works: rates and costs

In this summary table you can find all the costs and expenses related to the operation of the Crediterm Cleopar, which as we have said has a fixed monthly installment set at 50 or 100 euros:

Mini Credit Amounts	Interest rates	Total expenses
Total amount € 1,500.00	Fixed TAN: 16.00%	Monthly installment: € 50 or 100
Annual loan available for € 20	APR: max 23.30%	Stamp duty € 16.00
		Charges for sending periodic commUnotions € 1.00 on paper – free online
		Where applicable, stamp duty on periodic commUnotion € 2.00

As we can see, the interest rates are higher than a normal personal loan or in the form of a salary-backed loan, however the total cost of the financing operation can be sustainable, however, in the presence of figures with a fairly low amount like these. Below we offer a practical example of how this line of credit works, as proposed, by the same Cleopar on its official website: imagining a used amount of 500 euros, paying single installments of 50 euros you will have a full refund due at the end of the repayment plan of 12 monthly installments of 577.14 euros.

From this example, it appears that the repayment of the amount, in addition to being extremely sustainable with just 50 euros, entails a total outlay of interest and related expenses, which can still be convenient. Trying to make a request even if reported is an attempt that we suggest you to recommend, although a positive outcome of the application is to be seen.

Conclusions

Like most financial companies and credit institutions operating on the Italian territory, Cleopar offers concrete opportunities for loans for protesters and bad payers especially to those who can present a certain demonstrable income, so as to be able to apply a fifth assignment, which with Cleopar can be particularly tempting by virtue of the fact that very high figures can be requested, over 75,000 euros, both for employees and for pensioners, without distinguishing between the different subjects as it happens with other operators in the sector.

The situation becomes enormously more complicated for the self-employed, so that the actual possibilities are narrowed and are in any case entrusted to the evaluation in the preliminary phase which can change from case to case. You can try to apply for a loan with a guarantor, being aware that in the event of a possible assent you would have to deal with figures that are perhaps not high and interest rates above the average, or an attempt to request credit lines with very high amounts low: in any case, relying on consultants is the most reasonable solution, and who knows if Cleopar is unable to find an alternative path more suitable for obtaining credit for clients with past financial problems that restrict access to finance.

Loans for state employees

Posted on March 14, 2019 by Benny Cruz

State workers, company, local authorities: public employees can count on a certain income that, however, in some cases may not be enough to realize a dream held for a long time in a drawer. A desire to be fulfilled for oneself or for one’s family that requires an extra boost. For this reason it is necessary to have recourse to a personal loan designed also for public employees, which takes into account the peculiarities of this type of workers in order to facilitate and speed up the preliminary investigation procedures.

The loan recommended by IPL Bank for public employees

Every need has its loan and every situation makes history to itself. For this reason, before recommending a personal loan, IPL Bank operators carefully evaluate the situation of the applicant. In the case of civil servants, one of the most frequently chosen solutions to “fuel” projects requiring extraordinary financial support is the assignment of the fifth salary or pension.

The Cession of the Fifth is a form of consumer credit also dedicated to public or state employees (or retired) that allows you to forget the installments, since the reimbursement takes place with a deduction from the paycheck or from the pension.

IPL Bank for the Sale of the Fifth

If the choice of loan by the public employee falls on the Cession of the Fifth, here are the 3 reasons why we wait for you in our branches :

The quality of our Cession of the Fifth : the value of our loan in terms of customer satisfaction has been recognized with the award of the stamp by the German Institute of Quality and Finance Excellent Cession of the Fifth.
The best loan conditions : another recognition by the German Quality Institute makes us proud of the conditions we offer our customers for the Cession of the Fifth.
The seriousness and the availability of the IPL Bank operators : the essential part of the satisfaction of those who request a loan is consulting. Our operators will be able to guide the public employee in choosing the best solution for his loan.

To find out more about the assignment of the Fifth pension or salary proposed by IPL Bank, we invite you to explore the topic on our product page. Moreover, for Social Institute pensioners, there is an added convenience: the assignment of the Fifth IPL Bank has an agreement.

Loan without paychecks: here’s how to get it

Posted on March 12, 2019 by Benny Cruz

Getting a loan without a paycheck can be difficult. The fixed monthly income is, without a doubt, a good guarantee of the solvency of the loan and on the basis of the income from work it is possible to calibrate the loan. And who can not count on the paycheck or, in general, on a fixed income?

For those who can not provide the guarantee of a salary, the last word is not given: the loan to support one’s dreams or needs only needs the right solution.

The personal loan: the solution for those who do not have a paycheck

By asking for a personal loan, the credit institution or the financial institution to which you will be asked to obtain your loan, you will be able to evaluate the disbursement of the loan even without the guarantee of the paycheck. Some other conditions that will provide a guarantee and testimony of the solvency must be satisfied and the request will have to pass to the scrutiny of an investigation.

The guarantor

In order to apply for a personal loan, in essence, it is necessary to present requirements that ensure the lender of a fundamental fact: that the loan can be repaid on the agreed terms. The paycheck is one of these guarantees. But if you do not have it, you can request the help of a guarantor.

The role of the guarantor is soon said: if the applicant was unable to repay the agreed installments on a monthly basis (and only in this case), then a third party takes over and undertakes to pay the agreed monthly payment. In practice, the guarantor “replaces” one of the required guarantees.

The guarantor:

He can be a conjunct or a simple acquaintance;
Must be able to demonstrate a fixed income (salary or pension) and a level appropriate to pay monthly installments;
It must not exceed certain age limits;
It must have creditworthiness.

Requirements for obtaining a personal loan

In order to apply for a personal loan, some basic requirements must be met:

Italian citizenship and residence in Italy (or foreign citizenship and residence in Italy for at least one year with residence permit);
Age between 18 and 75 years;
Demonable income (in the case of non-demonstrable income, need to have a guarantor);
To perceive an income (even if not as an employee) that is proportionate to the amount requested.

How to apply for a fast personal loan

Requesting a personal loan is rather simple. The procedure can start online. To know how to do, read this study. To find out what documents are required for the request, you can find out in our post Get a personal loan: here’s how in 5 simple and clear steps.

Learn more about the loan without a paycheck

Do you want to know more about this unfinalized loan that can be obtained even without salary? We reveal all its secrets in the content: Apply for a personal loan: 8-point guide on features and requirements.

1500 Euro Mini Loan

Posted on March 1, 2019 by Benny Cruz

At Zaloan you can go for a Minilening without BKR testing. You can quickly borrow money between 100 and 800 euros within an hour if you already have an account. Zaloan calculates the statutory interest rate and trades your first application with them normally within one day, first requests during the weekend may take longer because banks do not pay out during the weekend. If you are looking for a small loan for a small amount of money, then it is wise to look at Zaloan once. Even if you have a negative BKR registration you can apply for a small minilening at Zaloan.

Borrow without interest

Borrowing without interest may sound unbelievable, and so is it!
At Zaloan, this is the same as in all instances where you can apply for and close a loan. Over the mini loan without BKR testing the exiting get you out of the borrowed money that you must pay back, unlike years ago, simply pay back legally particular interest. This interest rate is clearly indicated by Zaloan on the site.
Are you paying too late? In that case a penalty will be charged.

How do you borrow from Zaloan?

A mini loan without BKR testing closing is quick and easy to Zaloan. You can borrow through an application on their website. The following information is required of you to be able to carry out a good minilening without BKR application. (look for currently required information is always first on Zaloan.nl):

The desired loan amount (100 euros, 200 euros, 300 euros, 400 euros, 500 euros, 600 euros, 700 euros or 800 euros);
The desired duration in days. This can be 15 days, 30 days or 45 days;
Your personal information, such as your name, last name and email address;
Your address information;
Your financial data such as income, income source, bank account number.

Costs to borrow Zaloan

Zaloan does not charge for the minilines. The only costs that you make are the costs of the statutory interest rate. So there are no administration costs. Please note: if you are late paying off your minilening without BKR testing, higher costs will be charged.

How fast can I borrow without BKR at Zaloan?

If you want to borrow money quickly without BKR testing, then you should definitely be with Zaloan! Zaloan will pay your loan within a very short time if you meet a number of conditions. For example, you first need to create a personal PIN code, which Zaloan must accept. You can use this PIN more often. Borrowing money within a few hours can only be done within office hours and if you already have an account with Zaloan.

How much can I borrow from Zaloan?

In Zaloan can you have a mini loan without BKR testing sealing between € 100 and € 400 euros when you first loan in the presenter. If your first loan is repaid on time, then you can borrow more next time. In this way you can borrow loans of € 800 for your second and subsequent money.

Recently, Zaloan has also been able to close a minilening of 1500, – Euro with a term of 62 days. A double loan of 750, – euro each.

Maturity loan Zaloan

The maturity of a minilening without BKR testing at Zaloan depends on how long you want the loan to run. You can indicate the desired maturity and choose from three options, please note that a higher loan amount automatically implies a longer loan period:

A duration of 15 days
A period of 30 days
A duration of 45 days

Private loan writing: the model to write it correctly

Posted on February 21, 2019 by Benny Cruz

The private writing of an interest-free loan between relatives is necessary to prevent the Inland Revenue from imposing a sanction for unreported entry. The non-interest bearing loan in fact, especially if granted between family members, is a very attractive solution for those who would otherwise have great difficulty accessing credit, but risks ending up under the attention of the tax authorities. The anti-money laundering regulations introduced by Italian tax legislation in recent years have in fact increased the attention and controls on revenue not declared by citizens, which could be illegal sources of income. For this reason, private writing becomes a necessary solution.

The non-interest bearing loan

The non-interest bearing loan is a loan that does not provide for the recognition of an interest rate to those who pay the amount, unlike what happens with other forms of credit, such as personal loans. Because of this characteristic, an interest-free loan is usually granted between relatives, to help a person who may have been registered as a bad payer. It should not be thought, however, that in the absence of interest such a loan has no rule: between the creditor and the debtor, certain conditions are in any case established, which must be recorded by private agreement.

private writing of a loan

In particular, the private writing of a loan between relatives must contain the personal data of the parties and their tax identification number, the repayment methods of the amount lent (cadence of payments, payment instrument), the expiry of the loan, the reason for the financing and any other clause agreed between the parties. For example, although it is often a question of loans between people linked by consolidated relationships of trust, it is sometimes chosen to insert penalties , which are triggered in the event of default by the applicant, perhaps due to a delay in payments.

Drawing up the private writing of a non-interest-bearing loan with the correct information is not enough: it is then necessary to affix the signature on each page of the document and certify the date of the signature through the stamp of a Post Office. To be sure to avoid annoying tax fines, it is then necessary to register the private deed with the Revenue Agency or the two parties exchange the document via registered mail with return receipt . It is true that it could be sufficient that the purpose of the transfer on the current account with which the loan is made is very clear and that it specifies an occasional supply, but it is always better to take precautions and carry out all the necessary bureaucratic steps.