If you can prepare them before going to apply for a loan, you will earn some time which, among other things, is the most precious thing we have.
When we go to a bank, a financial company or if we make an online request, it is good to know that there are some documents that are always requested regardless of the type of loan request.
As also required by the anti-money laundering rule, personal documents such as an identity card, driving license or passport must always be presented in order to be identified by the operator who is collecting our request.
The documents must be complete and legible and valid. In case of expired documentation it will not be possible to process our request.
In addition, our tax position (tax code or health card) must always be presented.
In case of non-EU applicant, a residence permit will also be required. A minimum length of work is often required for this type of customer.
So summarizing you will need the following documents:
- identity card
- health card or fiscal code card
- residence permit (if non-EU)
In addition to the identification documents, it is also necessary to present the income documents to show that we have the possibility to repay the debt.
The income documents for requesting a loan may differ depending on the product and depending on the type of applicant. For simplicity, we indicate the documents required for the two most popular loan categories.
Documents required for the assignment of the fifth
If the applicant is an employee will serve to present:
- the last two paychecks;
- the last Cud received complete with all the pages;
- the salary certificate or a service certificate from your company.
This last document serves to certify the data present in the other income documents and the TFR present in the company. If the employee pays the TFR to a pension fund, it will also be necessary to present an updated extract of his severance pay as the company can not give a precise indication. The TFR data will only be used for private employees.
Instead if the applicant is a pensioner they will serve:
- the last phallus or the Obis-m model;
- the cud 2018;
- the transferable share certificate from which the financial company can identify the maximum usable installment.
Documents required for the personal loan request
When it comes to a personal loan, the documents are practically the same. So a paycheck, the Cud for employees (no salary certificate is required) while the income tax return for the self-employed worker. It can also be requested a utility (light, gas or telephone bill) and the IBAN code on which to activate the bank for the monthly reimbursement.
As you can see the documents to request a loan are few and easy to find.