Loans to new hires, an easy way to get new liquidity! Outcome in 24 hours.
If you want a new loan and do not have the possibility of a guarantor, the loan for new recruits offers you the possibility of obtaining a new availability of money to meet your needs. If you are just hired and would like to receive more information and a free estimate, fill out the form and within a few moments you will be contacted by one of our consultants.
Do you have any doubt to clarify or do you want answers concerning your position? Write us a comment in the space at the end of this article.
Newly recruited Loan: fixed time and indeterminate time
Getting a loan with a recent hire is never easy. We can classify three types of customers:
- who has never made loans (not registered)
- who is a good payer
- who has negative reports for late payments
In all 3 cases the type of employment contract plays a strategic role, so whether for a fixed or an indefinite period. Let’s see how these two conditions are combined.
- temporary contract : regardless of length of service, or the number of months of employment, an employee hired with a fixed-term contract (determined) will always need a guarantor, or a second signature that endorses his request for funding.
- indefinite contract : the guarantor is not always essential, as specified in the next paragraph of this article.
We therefore realize that making a fixed-term payroll is strictly linked to a second signature. But what happens if the first applicant is reported in Crif or otherwise in the databases for late payment? Let’s find out together.
Loans to Newly recruited Determined with alerts
Marina contacted us and wrote:
Hi, do I have a fixed-term contract can I apply for a loan even if I have been reported for a Fiditalia loan?
In this case, unfortunately, without solutions, there are no solutions to date. In the presence of problems in credit systems, access to credit for a worker translates into transfer of the fifth or delegated payment or loan. All these loans provide for the repayment of the installments by deduction on the paycheck. The figure of the guarantor is therefore not necessary.
But if I have a fixed-term contract? In this case the solution is to await the transformation indefinitely. A second signature, even if an excellent payer, will not help.
Loans to Permanent Loans
This type of contract, even if part time, opens a different scenario; a customer interested in financing can proceed with a single signature even if:
- uncensored, that is, if he has never made loans in the past
- bad payer
- protested or distraught
- too much indebted
It is therefore evident that this condition is clearly advantageous, but let’s see together what are the minimum conditions to be met:
- minimum length of work
- type of company in which you work
Is it possible to obtain loans with a 6-month contract ? Regarding the length of work and the type of company, to obtain a loan are necessary contracts of 6 months if employee of a Spa, Srl, Cooperative with at least 16 employees, 24 months if employees of an individual firm, sas, snc.
NB: calculation of the date of employment
The 6 months refer to the date indicated in the payroll as an assumption, not to the permanent transformation. For example:
- Mario: hiring on a pay slip 01/09/2017 – permanent transformation 01/02/2018 = calculation of the hiring date at 01/03/2018 = 6 months
- Luca: hiring on a pay slip 01/09/2017 – permanent transformation 01/12/2017 = calculation of the hiring date at 01/03/2018 = 6 months
New employee loans without guarantor
As we have seen before, the figure of the guarantor, if we talk about personal loans, can play a strategic role as long as the first applicant is not reported in the database.
But who does not have a second signature? Are there solutions for those without a guarantor? As mentioned in the previous paragraphs yes, but the advice is to proceed:
- with a personal loan request if you are a good payer, then already present in the databases as good customers. The important
- do not be over-indebted
- wait at least 12 months from the date of the last loan obtained.
- with assignment of the fifth for new employees as long as:
- hired for a minimum of 6 months
- with a permanent contract.
Are you a bad payer?
If employees of a Srl, SpA, Cooperative with more than 16 employees, even if newly hired, you can get the loan to newly hired employees. The assignment of the fifth new recruiter is the practical, easy and safe solution to obtain new liquidity.
Minimum requirements for employees of private companies
- srl, spa, cooperatives with a minimum of 16 employees
- minimum 6 month hiring
- permanent contract
- provision of severance pay in the company, at a fund
- are excluded : apprenticeship contracts and tfr cash settlement in payroll (quir)
For public and state employees, 3 months of employment are sufficient.
If employed by a private company, the aforementioned minimum requirements are essential. Fernando from Brescia contacted us, writing to us:
Good morning, my name is Fernando and I live in the province of Brescia. I can not get a personal loan because I am in Crif for a Compass loan and a badly-paid Agos credit card. I have been employed for 5 months in a spa with over 300 employees. I’m interested in a fifth assignment for new Findomestic employees, but I’m having difficulty because they tell me I do not have enough seniority. Can you help me? Are there loans just taken ? Can I make the transfer of the fifth just hired ?
In this case we had to wait one month, so as to satisfy the requirement of the minimum 6 months of recruitment. Fernando has obtained new liquidity, for a slightly lower amount than his needs, but he has also managed to carry out his projects.
Loans for new employees, why choose Financemm?
We are a credit brokerage company regularly registered in the OAM n M359 register. Our role is to broker loans and loans, that is, we find a list of active financial with our company, the best personalized offer according to your needs.
Unlike a bank or a loan agency, which only offer their products, we are interested in identifying the most convenient solution, without favoring one institution over another.
How does it work?
First you must fill out the contact form on our site; after a few minutes you will receive a call from us and you will talk to a consultant to analyze the real feasibility of your request. Obtained a simulation and a personalized estimate, you will arrange an appointment directly at home with one of our collaborators.
Where do you live? Rome, Savona, Florence, Naples, Milan, Palermo, Cagliari, Belluno, Taranto or Ancona ? Well, we are also present in your city. Our network is active throughout the national territory.
Working age for loans
When starting a new job (new employees) can you get a loan after the second paycheck?
Usually the loans are granted on the basis of seniority then only after the second paycheck, but often the signature of a guarantor is appreciated. If you do not know who to ask for help, the personal loan to employees will allow you to carry out your projects even if you are new.
The factor of seniority is not the only binding point for the issue of a loan.
It also depends on the rules and underwriting criteria of the various financial companies. In fact, if a financial company accepts the request for financing, it is not said that another financial company will do the same. The previous activity and work experience will also be the guarantor. If, in fact, before a new job was hired by a company and had a seniority of service, then the loan request will be easier and more plausible.
It remains to keep in mind your history at the database. It will therefore be important to see if you are already supported or if you have personal loans in progress. If your financial situation is good then it will be very likely to get a loan even for fairly large amounts. If, on the other hand, there is no historicity, the same can be requested for loans for sums not raised and at most one can ask for support from someone who acts as guarantor.