All useful information about Carige Banca personal loans , with the economic conditions updated to 2019. We will also see what opinions are published online by customers who have received these loans, to find out whether they advise them or not. Finally, how to request a Carige Banca online personal loan quote.
Personal Loans: characteristics, amount and duration
If you are looking for personal loans , Carige Banca is one of the companies you could turn to. On this page we will present the main features of this product to see if it is actually a form of financing to be taken into consideration. There are two forms of financing offered by the company: the Mysura loans and the Cession of the Fifth . In both cases these are unfinished loans, which may therefore be required to meet any type of expense. Let’s see what are the specific characteristics of both products.
From the conditions of the Mysura personal loan presented to us on the Banca Carige website, we can say that the product is actually very interesting. Among the aspects that stand out the most is undoubtedly the amount that can be requested . Although it is a simple personal loan, the amount of money we can access is up to 75,000 euros . Furthermore, the beneficiary of the Carige Banca personal loan will have the possibility to defer the repayment up to a maximum of 10 years , so you will have full freedom in this regard. Among the advantages of the personal loans offered by Banca Carige there is also the service that allows us to skip the installment . This service is completely free and can be used twice during the repayment: in this way we can postpone the payment of the installment at the end of our repayment plan.
The second type of personal loan offered by Carige Banca as we have said is the Cessione del Quinto . This solution, as always, is intended exclusively for employees with permanent contracts and retirees. There are several advantages of this product , which provides a fixed monthly repayment installment and a maximum of one fifth of the salary or net pension received. There is no maximum amount set in this case, as this will depend on our monthly income . The maximum duration also in this case will be 120 months, which means that to know the amount that we can request (gross of interest) we will just have to divide our salary or our net pension by 5, and multiply the result precisely for 120. Carige Banca personal loans are very fast loans , as the disbursement is practically immediate, and the only guarantee required is represented by our income document.
How to request a personal loan quote online or in a branch
As always, the best thing to do if you are interested in any kind of financing is to request a free quote . Many credit institutions offer their clients the possibility of calculating the installment and interest rates applied directly online, via the simulator. In the case of Carige Banca personal loans, unfortunately it is not possible to calculate the online quote . Both for Mysura Loans and for Cession of the Fifth we do not have an online simulation tool available, but this does not mean that it is not possible to request a quote for the loans offered by the bank. So let’s see how to proceed to know all the economic conditions of the best offer based on our needs .
The alternative to calculating the online quote is obviously to go to one of the branches of Carige Banca . These are found throughout Italy, and on the company’s website we have a useful search tool for the branch closest to our house . To find the office that is most convenient for us, simply enter our home address in the space provided and click on “Search”. In this way we will be presented with the map with the branches where we can make an appointment. For each branch, in addition to the address, there is the telephone number useful for requesting information, while if we want to book an appointment online we can do so by filling in the relevant form with our personal data and specifying the date and time we prefer.
Once an appointment has been made it will be enough for us to present ourselves at the scheduled time and without queuing we will have a meeting with a qualified consultant . To receive a detailed estimate of the best Carige Banca personal loan designed specifically for us, we will have to present to our dedicated consultant our economic situation and the main features we want for the financing we are looking for. Based on the latest offers available, the bank’s expert will present us with the monthly payment that best meets our needs and the interest rates applied . Obviously once the budget has been analyzed we can decide to think about it a few days or request some changes, and only when we are convinced of the offer proceed with the actual request for financing.
Customer opinions loans: are they convenient?
To evaluate any type of financing it is always good to read the opinions published online by customers who have chosen this product before us. On the main sector forums there are numerous reviews regarding Carige Banca personal loans. Most customers are fully satisfied with the service received by this company. Among the most appreciated aspects there is first of all the transparency of the bank, which also derives from the many years of experience in the financing sector. Right from the start the conditions of the personal loan that will be offered to us are clear and there are no unexpected or “hidden” expenses as unfortunately happens with other less reliable companies.
Another aspect always very appreciated by customers is the speed of delivery . In the case of Carige Banca personal loans, almost all users emphasize this aspect, stating that it takes just a few hours to receive a response and, if the request is accepted, the payment of the desired amount is practically immediate. As for the economic conditions of the personal loans offered by Banca Carige, in the positive opinions published online it is underlined the fact that the amount that can be requested is much higher than the other companies , which usually do not offer financing above 30000 euros. Furthermore, the possibility of deferring the repayment in as many as 120 installments makes it possible to set a low spending, even rather low, considering the amount we are requesting. So with regards to the amount that can be requested and the duration, practically all forum users agree on positively evaluating these personal loans .
Among the features that are highlighted in the reviews there is also the possibility to skip the installment twice during the duration of the loan. This is a very useful service in the case in which, for example, in a certain month we have to face an unexpected expense due to which it would be problematic to also face the repayment installment. As with all loans, the aspect on which there are different opinions among users is the convenience of the product. This is because the interest rates are not the same for everyone but vary mainly based on the economic guarantees that we are able to provide to the company. Consequently, there are negative opinions in which interest rates are considered too high, alongside positive opinions that instead claim that Carige Banca personal loans are really cheap. In general we can say that the majority of customers recommend this funding , however if you want to evaluate the actual convenience you just need to request a completely free quote to get an idea and choose whether or not to proceed with the personal loan application.