Agos Ducato is one of the best known and appreciated financial companies in the consumer credit market. It offers a complete service through the institutional site and the numerous branches scattered throughout the territory. Its financial products range from personal loans for the purchase of goods and services and the most common financing formulas, all characterized by an excellent quality-price ratio. You can request free online quotes, then get the desired loan through their site or by going to one of the branches.
Agos Ducato personal loan
The main formula for personal loans is the assignment of the fifth salary or pension . It consists in the calculation of the loan and the monthly payment for the amortization referred to the fifth part of the salary or pension . This allows the debtor not to suffer too much the weight of the loan, since it is limited to a pre-established amount that allows the payment of the monthly payment without any problem.
At the company's website there is a very convenient promotion regarding the application of interest rates; has a loan limit of 30,000 euros and repayment in up to 120 monthly installments. Furthermore, the timing for the approval of the loan and its payment is approximately 48 hours. The promotion is not new, in fact it has been active for several months and was previously valid until 30 June 2018. Once the success is confirmed, the financial company has promulgated it and can be requested through the online service, the toll-free number or by going to one of the branches. . As regards the interest rate and the calculation of the monthly payment we will examine it shortly in the paragraph on loan simulation.
Loan without a paycheck or pension slip
Applying for a loan without a paycheck or pension seems like an unattainable undertaking. However it is possible to request it by offering other forms of guarantee, such as to allow the finance company to have the security of payment of the monthly payment . Agos Ducato offers the possibility of loans without a paycheck or pension, but with other forms of guarantee to subjects such as unemployed, housewives, self-employed and students. To get this loan you need:
- a guarantor who accepts responsibility for failure to pay the monthly payment. Must be in possession of the paycheck or pension;
- present the Unico model , through which the Agos Ducato can assess whether the loan can be disbursed;
- particular forms of income confirmed by reliable documentation. For example, the rental contract for a building for which the monthly rent is payable; a maintenance allowance as a result of a separation or divorce; work performance as private lessons confirmed by the tax return and regular receipts; income deriving from investments of various kinds, but provable that allow the provision of the loan.
In essence, the possibility of obtaining a loan depends on the presentation of a guarantee, which must not necessarily be the assignment of the fifth salary or pension. Obviously, it will be useful for the finance company to examine the specific case , only afterwards it will be able to rule in favor of or against the granting of the loan.
Simulation and loan estimate
You can request a quote on the loan by going to one of the branches of Agos Ducato scattered throughout the country, or by calling the toll-free number 900.134.860 and talking to the operator. However, the best solution is to connect to the institutional site of the company where a convenient simulator is active, through which it is possible to calculate the monthly payment on the loan and verify the interest rate applied. In fact, it varies according to the amount of the loan and the number of months for amortization, as a consequence also the monthly payment changes. The TAN is from a minimum of 4.91% to a maximum of 6.91% and the APR can reach a maximum of 10.76% , however they are factors that vary depending on the amount of the loan requested and the number of monthly installments. For example:
- on a loan of 5.000, repayable in 60 months, we have a monthly installment of 95.10 euros, with the TAN at 4.92% and the APR at 6.57%;
- on a loan of 10,000, repayable in 84 months, we have a monthly payment of € 143.70, with the TAN at 4.91% and the APR at 6.17%.
The possibilities are many, just connect to the site of the Agro Ducato, choose the amount you want to request and the months of depreciation, after which the simulator immediately provided the amount of the installment and the interest rates applied.
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