Need cash? We can go to the bank or a non-bank loan company. However, we will not receive money without meeting the requirements of the lender.
Which of them is most commonly found?
We can get a loan without even leaving home – on-line and on-line loans allow us to repair the budget instantly. However, we will not get money for beautiful eyes. Requirements vary depending on where you borrow money and how much you want to get. It is worth getting to know the general ones that are used by most banks and loan companies.
1. Polish citizenship and ID card
Foreigners can not get a loan in Poland – it is necessary to have Polish citizenship. The basic document to obtain it is also the ID card, which should be valid. In addition, companies require a permanent address in Poland.
2. Specified age
Most often, the minimum is 18 years, but it is worth pointing out that some loan companies offer their cash loans only to older clients, for example from the age of 20 or 21. There is also an upper limit, for example 70 or 80 years depending on the lender.
3. No negative entries in BIK and other databases
Whether we have paid our loans and loans in the past in a timely manner affects whether we will be able to incur new ones. Information on this subject is recorded in BIK, ie in the databases of the Credit Information Bureau, as well as other databases, for example BIG – Economic Information Bureaus.
Negative credit history significantly worsens our chances of getting a new loan or loan. We will not get them practically in any bank. The only solution will be non-banking offer, but let us remember that not every loan company offers loans without BIK.
4. Source of income
We also need a proper source of income, because without them we will not be able to pay off our debt. Banks and loan companies apply different requirements here. It is usually necessary to have a permanent source of income, for example, work on the basis of an employment contract for an indefinite period. The source of income may also be a civil law contract, pension, retirement or business activity. The amount of our income also depends on how much money we can borrow.
5. Own bank account
This is a requirement for online loans . If we want to borrow on-line money in a loan company, we should have our own bank account from which we make a verification transfer. We can not make it from another person’s account – the data from the transfer is compared to the data from the loan application . We also receive money from the loan on the account.
These are the five main conditions for obtaining a cash loan, which are used by most banks and non-banking loan companies. In the case of other types of loans, for example mortgages, car loans, higher loans, additional requirements may arise, such as the need to have adequate collateral, own contribution.