guarantees necessary for the provision of a personal loan are at the discretion of each individual bank but, in general, not 'necessary to submit any collateral (such as a mortgage on immovable property' of the applicant ) unless The few cases where Istitituto submit the loan staff at the signing of a contract providing for the credits credits of installments or the signature of a third party to ensure in the event of insolvency.
The personal loan provides for the formalization of a contract between the parties (applicant and the bank) where you have the following elements
:
- The percentage rate (APR)
- Insurance coverage in the contract
- Amount, number and expiry date of each installment
- The amount of the loan and any honors payments in respect of non-payment
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