2023-04-20 07:28:42
with the consecutive rises in official interest rates by the European Central Bank (ECB), banks have tightened their conditions so that consumers can access certain types of loansespecially mortgages. But, what recommendations do we have to take into account to get a loan quickly?
Whether it is for the purchase of a car, to study or to finance a work in the house, if a series of guidelines are not followed, “it could take two weeks or more to receive the money”, explain the specialists of the financial comparator HelpMyCash. But, is it possible to obtain a credit or loan in less than a week?
Send the application to as many banks as you can
One of the tricks that financial comparator specialists recommend is request the loan in at least three financial institutions. “Ask for credit from as many entities as you can,” they recall. Therefore, it is advisable to send the request to all the banks that are considered appropriate.
“Having multiple requests going will increase your options to get the money more quickly, because if a financial company takes a long time to answer, it is possible that another one will answer you in a few days”. In addition, It is a good step to compare different options, proposals and offersto see which one suits your needs.
Do not request a loan on the weekend
On the other hand, experts detail that a loan should not be requested on a Friday, weekend or on a holiday. Likewise, the working hours of bank staff must be taken into account. In such a way that if you try to request a loan on these dates, “the request will not be analyzed until the next business day”.
“Working hours also affect credit income.” Therefore, if the entity has to transfer the money to the bank account, it will be received the next business day.
Prepare all documentation
It is convenient to have prepared in advance the folders with all the possible documentation that the entity could ask us to avoid taking longer in the application process. Thus, from HelpMyCash they remember the list of required documentation:
- A copy of your identity document (your DNI) on both sides.
- A copy of your last three pay slips or, if you are a pensioner or self-employed person, of the last receipts or tax returns.
- A copy of your last income statement.
- A copy of your employment contract.
- A bank statement in which the latest movements of your main account can be verified.
- A proof of project.
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