NOT everyone has a Bank account, which nowadays can be a bit surprising. It is necessary to know that most credit companies prefer Bank transfer as a form of money transfer. Another thing is when a customer wants to quickly take the money that credit card companies offer online, but does not want to give his Bank account as for example, is occupied by a bailiff, and a cash injection would help him get out of financial trouble. Some companies deal in: a loan to a customer’s home. Let’s look at all the pros and cons of this type of service.
Below we give a brief overview of the companies that provide the opportunity to deliver credit home. You will find information about the size of the obligation, the payday loan term, as well as a link to the offer. In case of doubt we also invite you to get acquainted with the opinions of our experts:
What does the home loan service look like? The “customer home loan” service was created with the thought of customers who don’t have a Bank account or don’t want to use it, asking for financial support. As the name suggests, it consists of delivering money from a previously approved loan application directly to the borrower’s residence. The implementation of such a transaction is engaged in a specially trained employee of the institution of loan, and the form of transfer of credit, of course, cash. The decision on the method of formation relates to the lender. Despite offering a home loan some companies require you to fill out a form online, others allow you to complete the paperwork while visiting a consultant. If the application submitted by us is positively considered, the lender will contact us to agree on the appropriate time of delivery of the money. In this way, the lender provide access to offers not only to those who do not have an account, but also to disabled persons having problems with personal insertion in the stationary facility. It is worth noting that depending on the results of the company, it is possible to perform all the formalities during the visit of the consultant or first you need to apply online. There are several problems at this point. Before we decide to use such services, you need to familiarize yourself with them.
Credit at home but request over the Internet unfortunately, most companies providing their online services do not introduce an alternative solution for people who do not possess knowledge in computer processing. If we even find an offer with the possibility of home service, in many cases it will still be necessary to fill out an electronic form. It is worth noting once again that before we agree to receive an employee of a financial institution in our home, in most companies, you must first apply through the Internet. It may be possible to circumvent the need to specify the Bank account number by checking the passport when receiving money. But in the application, we were also asked to provide contact information, such as, for example, an email address. I will not hide that for many people it will be an insurmountable obstacle. Rescue in such situations may require the help of a more experienced Internet user. However, it is not easy to be dependent on another person.
Careful, scammers! Lenders offering to deliver money to the customer’s home is becoming less and less. This is influenced not only by
the development of technology, but also by the possibility of reducing costs as a result of reducing the number of employees. However, we still find companies that provide their customers with such a solution for a fee. At this point, you may wonder how this is possible, if at every step you can find posters, leaflets or ads informing about the loan of the property. That’s right, however, you have to be very careful when choosing offers because you might just stumble across scammers. We need to know that support provided by individuals is not subject to regulation by the consumer credit act and the lender is given greater freedom in setting the terms of the contract. Unfortunately, most of the ads placed on the columns concern this type of offers. Before we select a specific company offering a quick loan product in a customer’s home, we’d better check what its existing customers think of it. Therefore, the best way to search for the right and reliable offer, proven places such as comparison Loan-Portal. Here we will find all the most important information about each worthy lender. However, if the company does not meet the standards of customer service, other users immediately report it in the comments posted under the opinion of experts. Each client also has the right to vote on the selected company, which as a result also affects the ratings.
Home loans – how to get? As we mentioned, very often companies offering loans to the house expect the customer to apply by email. Undoubtedly, it has both its disadvantages and advantages. We save not only time, but also money. For each visit of the consultant to the place of residence, we will be obliged to pay the fee due. Its height depends on the decision of a particular company. By filling out an application with the help of a consultant, even in case of refusal, we will be forced to pay for the work done by him. Also remember that customer home loans also involve the possibility of applying over the phone. During the conversation with the consultant, we provide all the necessary information, and then we wait for a decision. In some cases, we can hear the preliminary acceptance already during the withdrawal procedure.
Most of us assume that a home loan is associated with the completion of all formalities at the place of residence. Therefore, in order not to meet with an unpleasant surprise, you should carefully check any information about the terms of lending. If you will need to apply online, we should be ready to go through the following steps: go to the lender’s website and then choose with the” calculator ” the loan period and the amount required. This can usually be done by moving the sliders or selecting the appropriate values from the drop-down list. We are confident that the fast loan does not exceed our financial capabilities. Under the calculator, we’ll find expenses written out. Then, click “take credit” or “confirm request”. Thus, we will be redirected to the page containing the form. Now we need to fill in all the necessary information. In the empty fields, enter the necessary personal data, contact information, address information and our financial situation. It is worth remembering about the passport, as it will be necessary to enter its number and series. In the same form, we also note the way credit is granted. After entering all the information and verifying its correctness, we usually proceed to identity verification. However, a client’s home loan most often involves verifying the data by presenting an ID when visiting a counselor. Despite this, you should expect a call from the lender to provide solutions, as well as an appointment with a consultant. During the meeting, the consultant will check our identity and then offer to sign the documents. Read carefully the terms of the contract, so that no one surprises you then. After these formalities, we will receive the required loan. Note that the repayment involves regular visits of the consultant in order to receive money.