Students
"In accordance with Articles 33 and 34 of the Constitution, the law on the right to higher education provides rules to remove obstacles economic and social de facto limit the equality of citizens in access to higher education and, in particular, to enable capable and deserving students, even if without financial resources, to attain the highest levels of education. "[Law Article 1 hp 1991 n.390]
In accordance with this law have been set up student loans for college students.
The loan of honor is an atypical form of financing finalized, which provides favorable conditions for concessional deserving university in modest economic circumstances. In fact, these individuals are not required collateral or guarantees to third parties such as the guarantee.
The law presumes that local 390/1991 public and financial institutions allocate loans to continue their studies. The law also requires the borrower to return the money received only after completion of studies, but within 5 years after the end of the same.
The regions themselves act as guarantor for this reason they must pay interest to lenders, so that they do not weigh on the economic situation of the student in distress.
To obtain the disbursement of the loan, students must activate an account in which a claim is open, then (after completing their studies) the relationship between financial institution and the subject will become interested in personal loan.
I protested
For those who have suffered a protest is really difficult to borrow.
Even for those who have a close relative who has suffered a protest to be able to obtain a loan is very difficult.
The lender may refuse to grant a loan to those who, while not directly a protest immediately, delayed the payment of any installment of a previous loan. In this case, one is considered "bad payers" and what is recorded in databases, such as the Central risks, from which financial and credit institutions acquire the data of the applicant to verify its reliability.
There are several alternatives on the market: banks, credit institutions, financial institutions, where you can search the service more resilient and more flexible, but in general, especially in recent months, the criteria for judging the applicants are very narrow: short delays, requests for loan not granted, and so on., are sufficient for being denied the opportunity to access the desired amount.
To obtain a loan from the protest, or bad payer, may proceed in three ways:
activate an employee loan, or transfer of salary. This mode provides a guarantee to the creditor, since the rate will be paid directly by the employer rather than the applicant, which could however, not paying it. It is, therefore, no need to check (via databases) the economic and financial conditions of the debtor.
a loan to enable delegation. Even in this case is the company to address the timely payment of installment financing, taking the money directly from the employee's paycheck.
proceed with the deregistration of protests or from the databases as "bad payers". To relieve its financial curriculum such appointments is a necessary having paid all the previous debts. Moreover, in the case of "protest" are expected timing and conditions of rehabilitation: after paying the installments protest must spend at least a year.
While in the case of "bad payers", the more the rate paid late or more the delay will be long, the longer the time that must elapse between the regulation of debt cancellation from the registers. The non
In Italy for many years has also granted access to loans from the EU. For non-EU applicants must provide documentation of residence and, in most cases, it is essential to demonstrate that they have a permanent job.
The personal loan is the most commonly used form of financing by non-EU because it is more easily accessible and, once accepted, the request has a higher rate than the mortgage payment.
Some lenders require collateral as well as type of work, often require: a minimum age higher than a few years of age and residence in Italy for more than 12 months.
Each bank is free to seek guarantees that it deems most suitable ways to reduce the riskiness of the release of the money loaned to non-EU citizens
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