When it comes to lending money, people turn to family members and friends first, but they admit to themselves that they are reluctant to do so. Mostly because those closest to them condemn them or simply have no money to borrow. Therefore, they seek the opportunity from banks, savings and loan companies and credit houses.
There is no room for judgment or face-to-face, and people feel more comfortable. When they need a quick cash inflow, they opt for loans because they are ideal for emergencies. These are smaller amounts of money that are repaid over a short repayment period. Offering financial services such as lending to current is very popular today and is widespread especially online.
The employer also lends the current loan
One of the biggest advantages of borrowing into a current account is that it can be provided by legal entities and individuals, in addition to banks. This means that different companies can lend to their workers, but also vice versa. Individuals may lend to legal persons.
All these relationships are governed by statutory minimums relating to interest rates, so you should be careful when borrowing into a current account because whoever borrows money can pay taxes.
Loan on Liquid in two mouse clicks
Credit houses are leading the way in providing this type of service. They offer short-term current account loans, which are paid on the same day as those solely requested online. It is also one of their best sides. An application for a current loan is submitted online and the entire procedure is done exclusively online.
This means that at no point is it necessary to go to the branch, which is especially important to the younger generations who are the biggest proponents of online banking.
The payment deadline is only 24 hours from the date of application, which is crucial in an emergency. Documentation requires the submission of a contract that is removed from the website, a copy of the identity card and current account, especially if the amount is up to HRK 3000. Higher amounts also require a payroll or a pension list and a bank statement.
Current lending is not possible with black loan companies
A number of credit institutions that do not comply with the law and do not have a work permit approved by the Croatian National Bank try to avoid lending to current ones as they leave a written mark.
They pay the money into their hands and leave room for scamming. Therefore, before approving a credit home, special care should be taken.
No pledge is required for a current loan
Borrowing into a current account implies a smaller sum of money with a shorter repayment period, which is why it is not necessary to specify a judge or guarantor as a security measure.
It does not require an additional guarantee or pledge. This means that there is no need to pledge movable or immovable property in exchange for a loan. Enough insurance is cash benefits and financial orderliness.
Lending to current is faster with a life insurance policy
Banks have slightly different policies when it comes to lending to current ones. They make sure to check the creditworthiness of the client and rely on the HROK report. This reduces the chances of borrowing current loans from those people who have lower debt, are not employed for an indefinite period of time, or the company they work for does not do well in terms of liquidity. This reduces the list of potential users.
But what increases the chances of borrowing on a current loan is life insurance. If the client requests a loan on the basis of the policy, the policy is still valid, ie it does not terminate. He can continue to make payments without any problems and later use them in the most normal way under the terms he has signed.