Credit without receipts is often solicited by consumers but is it really without receipts and how to obtain this bank loan? We will explain everything to you.
Loan without justification: myth or reality?
Borrowing from a bank involves providing mandatory proof, these documents will identify the consumer, check its solvency and especially to record its information. The identity card or the passport are therefore mandatory elements, otherwise it would be possible to borrow in the name of another person, an act unthinkable nowadays. Statements of account and proof of salary are also required, this allows the bank to check the solvency of his client, an obligation incumbent on him, in accordance with legislation imposing a duty to advise financial companies.
Finally, the proof of the sum remains an optional element in certain loans. That is to say that in the context of a personal loan, the sums can be used freely, without providing document proving the amount requested. However, the quote or the order form will be mandatory for an affected consumer loan or for a mortgage, the obtaining of which is directly related to the property concerned.
Personal loan without proof
To date, the personal loan is the credit that does not require to provide evidence on its use, that is to say that the identity card, the RIB, statements of account, pay slips are required but not the quote or the order form which concerns the use of the sums. This loan has been created to allow borrowers to cope with an unexpected expense or to use the sums on several financial projects. The purchase of a car from an individual, the change of a washing machine or the purchase of a television are often purchases without a specific amount, the idea is first to have the financing then guide his research.
The absence of supporting documents does not lead to shortened study and credit procedures, it is important for the bank to check that the consumer is able to repay it and especially not to compromise its financial stability by granting it credit beyond the debt limit, which is currently 33%. That said, online simulations can quickly obtain a bank loan estimate, without having to provide proof.
Simulate your credit without proof
Online comparison services offer consumers the opportunity to obtain a simulation of their loan without having to provide proof. The idea is simply to be able to initially inform the borrower of the feasibility of his project but also to be able to offer him the various offers on the market, comparing banks and credit organizations. This allows in particular to be able to compare the rates, the durations and the monthly installments proposed, without constraint of engagement and especially free. It is a very practical service to save time in your efforts and focus on your purchase or your need for financing.