MADRID, 4 Nov. (EUROPA PRESS) –
Applying for a loan or a credit is currently on the agenda, even when the rise in the Euribor to counter inflation has generated a significant increase in interest and the price of installments. The population continues to need the economic assistance of financial institutions to tackle some personal projects such as enrolling in post-graduate studies, buying a new car, acquiring a new house, etc. Especially the younger sector of society is interested in this type of financial product due to the precariousness of work and salary, which does not allow them to generate their own savings.
As most users know, not all banking institutions require the same conditions or offer the same benefits when granting a loan or credit, so the range of possibilities is not limited to our bank’s options. In addition, the industry is currently expanding due to the presence of new fast online credit houses, which have greatly improved the chances for customers to access a loan.
Traditionally, banking institutions refused to grant any loans if the customer was in an insolvency practice such as the ASNEF note, but that has changed. Thanks to the new online fast credit companies, you can overcome this obstacle and access loans even if you appear in ASNEF, according to Money24.
WHAT IS ASNEF?
The first thing we need to know to surround the ASNEF file is to know what it is. Simply put, this association is dedicated to bringing together in a list those people or companies with outstanding debts to public and private institutions. It matters little whether we owe it to the state, the electricity company or the department stores where we buy our furniture. If we have an extended default with them, our name will appear in this list. As one would think, it is unreliable for any entity to lend money to a customer whose history warns of the high chances of the amount not being replenished, so generally appearing in this file is a directly excluded condition for granting credit or loans.
Is it possible to leave ASNEF? Of course yes. First, we will have to pay the full amount due to the entity in question, and that is precisely the problem. Sometimes it is necessary to resort to a second debt to satisfy the first and to put our economic chaos in order. Fortunately, these online banks and the new fast credit houses that accept ASNEF customers are usually one of the most effective solutions. Furthermore, this company is not the only one to have unsolved files, but in any case the options that we mention also obviate this situation. The question is: what are they?
LOAN COMPARISERS WITH ASNEF
The offer of credit institutions that accept ASNEF members is now quite wide. Especially those dedicated to microcredit or fast online credit are the most flexible in this regard, even if not the only ones.
Before it was necessary to search entity by entity among their conditions to know if they were taking on that burden or not, but currently there is a tool to avoid that work. This is Money24, where you can compare financial companies that offer loans with ASNEF and are also registered with CONDUSEF.
This site is a comparator where users interested in loans at the best conditions can search for the products with the most flexibility on the market, as well as other interesting advantages that make them ideal for customers.
This week, according to the platform, Financiar24, Finteres and Prestalo are the companies that accept ASNEF with the best conditions to apply for a credit or loan. And if we look for other special conditions, here We can also find the best loans of each month, without paychecks, online, the best fast loans, for self-employed and without interest.
For the more forward-thinking, the Money24 site also has an articles section where users can read news related to loans and credits that can help them choose the most convenient one at any time.
ASPECTS TO CONSIDER
Although each loan has its advantages and disadvantages, in general it is advisable to pay attention to these aspects:
Interest as low as possible.
Reasonable conditions in relation to the amount granted.
Slight delay penalty.
Cash in less than 24 hours.
Reliable financier registered in Condusef.
