If you are decorating your home and believe you cannot afford all the expenses yourself, do not give up all the projects you have put in place to fix your home. We suggest you ask for a specific loan that can cover the investment in its entirety. If you didn’t know, there is a type of loan on the market dedicated exclusively to furnishing your apartment.
We have made a comparison of the various offers on the market and we have verified the convenience of the loan aimed at furnishing that is part of the package of products offered.The furniture loan finances your expenses with an amount ranging from one thousand to 60 thousand euros to cover the entire investment.
If you do not have a current account, there is no problem because your financing will be fully paid into your current account without having to close the current account that you have at another bank or at another financial institution and consequently open it in Findomestic.
Loan for furnishing: payment and repayment methods
The loan for furnishing is paid by bank transfer to your bank account or by an insured check that will arrive directly at your home.
As for the repayment method , this is done by direct debit to your current account.
Before applying for financing for furnishings, you will need to verify that you have a series of fundamental requirements for the purposes of the request. So make sure you have all the financial requirements so you can be sure that you can make the request in peace and be up to date with the application. First of all you must be between 18 and 75 years old . You must also be able to prove an income and finally you must be resident in Italy. In any case, the financial company will make use of the faculty to carry out due checks before granting the loan.
The advantages of furniture loan
With a personal loan, the interest rate is a fixed rate. Moreover, after having repaid the first six installments you can choose to vary the installment through the installment exchange option which allows you to increase or decrease the monthly repayment. Variation which consequently affects the duration of the repayment plan. In fact, if you decide to increase the cost of the monthly payment, the repayment plan will be shortened; if, on the other hand, you request to reduce the monthly fee to be paid, the repayment plan will be extended. The ” Currency Exchange ” service does not require any additional cost, it is a service that the financial company offers you free of charge.
If, on the other hand, you realize that you are in difficulty with paying an installment and are unable to make the repayment, offers you the possibility to skip the payment of an installment and send it back at the end of the repayment plan. This option is called ” Salata Rata” and is just as free as the “Change Rate” option . Also in this case, as before anticipated, to use the service you will have to have repaid the first six installments.
Furthermore, you need to know that to protect your personal or finalized loan you can choose to purchase a loan insurance policy that is completely optional. Credit insurance protects you in case of temporary or definitive events and protects your financing. This way you will be able to sleep peacefully and you will not run any risk