Trust Loans, Misunderstood About Income Guarantees

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The word “fiduciario” should underlie the possibility of obtaining this form of loan even in the case of a lack of guarantees, both qualitative (absence of any form of income), and quantitative (limited income, absence of an additional guarantor, etc.).
In reality the fiduciary loan is interpreted in two very different ways:
– as financing based on trust, as in the case of loans granted by schools and universities in favor of deserving students
– as alternative financing to the assignment of the fifth and the loan delegation for those workers who cannot use these two forms, be they private employees of small companies or self-employed


The fiduciary loan for deserving students

It is granted especially in the university environment through tenders that collect all the information about the requirements for the supply. Despite being the trustee in almost all the calls, in addition to the merit requirements, own or third party guarantor guarantees and the absence of protests and relative registrations in the central risk .adslot_1 { width: 320px; height: 200px; } @media (min-width:800px) { .adslot_1 { width: 600px; height: 300px; } }


The fiduciary loan for employees and the self-employed


This is basically a personal loan, therefore without indication of the destination of the sum disbursed, granted to employees of private and autonomous companies that cannot access the fifth assignment. Unlike the latter solution, however, payment of installments is not made “upstream” by the employer before the salary is credited, but must be made directly by the obligor. It is therefore a less secure form for the financial institutions that often protect by requesting the signing of bills of exchange. 

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