What do we need to have a personal loan?
If we need a personal loan, we must take into account the information requested by the bank to study our case and authorize it or not.
When we are going to apply for a personal loan, we usually go to a bank that must evaluate whether it is granted or not. To carry out this evaluation, the bank needs a series of data to verify our previous indebtedness, the solvency of our personal economy, the ability to return the money borrowed or the guarantees or guarantees that we can provide.
For this, we need to provide a series of documentation that varies according to the work situation in which we find ourselves:
If we are working for others, we must present:
- an identification document (ID, passport or residence permit),
- a copy of the income statement from the previous year or a withholding certificate issued by the company where we work (if we do not have it, we must request it from the administration department),
- copy of our latest payrolls and
- A copy of the contract if we are working for a certain period of time.
If we are autonomous and do not have a fixed payroll, in addition to presenting all the previous identification documentation, we must present:
- quarterly VAT and personal income tax returns in lieu of payrolls.
Whether we are employed or self-employed, we must submit a declaration of assets in which those properties are recorded in our name, in case it is necessary that they serve as a guarantee for the operation. In addition, from the bank they will ask us for permission to check if we are registered in any list of records. If it is necessary that our loan be guaranteed by a guarantor, he must present the same documentation as us.
After these requirements, the banking entity studies our financial situation and decides whether to accept us as valid for the credit or not.
In Smart Investor, people invest in people so if you need to get a loan to make reforms in your home, fix the car or do a master’s degree, send us your application and we will study it to include you in our Brockaloan program.
For this we will need: DNI, payroll, direct debit and bank movements of the last two months and the current month.
After accepting your proposal, at Smart Investor we help you get other people to finance you with unbeatable conditions. Contact us and we will inform you without obligation.