Bankate is a Banking entity focused on Galicia with a wide range of Loans, Loans and Mortgages. What requirements does Bankate request to authorize the Loans? How long would Bankate take to pay an already authorized Credit? What documents does Bankate need to study the Loans? . These and other questions are discussed below and you can leave your question on our form to that effect.
Types of loans granted by Bankate:
The Loans that Bankate offers in its product portfolio are basically 2 types: The Bankate Personal Loans, the only guarantee is that offered by the applicant with its solvency and income and the Mortgage Loans when there is a property that is mortgaged, such as a flat. or a local
24 hour loan
It is the most common, allowing us to obtain an economic amount of at least € 500 and a maximum amount of € 60,000. Keep in mind that the main objective of this loan is to achieve rapid financing If we meet the requirements stipulated, we can achieve the money in 24 hours. If an unexpected event occurs and we must face a payment with urgency it can be a fantastic option. Operation that can be considered within the modality of Bankate Urgent Credits for very urgent and unforeseen needs.
Two ways to access this loan:
Bonusable credit: most used option, which allows you to reach the maximum amount of € 60,000.
Visa Clip Card: if you opt for this credit card option, you can count on the possibility of making a request that ranges from € 500 to € 6,000.
There are some reductions in the cost of commissions if you pay the salary (can be reduced up to 7%), or if you buy insurance with Bankate with the minimum value of € 600. If you take out a life insurance that covers up to € 8,000, the commissions are reduced by 0.75%.
24 hours Auto Loan
If you are looking to buy a new car, or second hand, this is a good option, allowing you to access an amount that ranges between 6,000 and 60,000 €. This allows you to return it in comfortable installments so you do not have to worry about the payment.
This resource allows us to start paying up to 6 months once the vehicle is purchased. This is known as a grace period of 6 months, although it has to be approved by the bank.
In any case, you are the one who decides the amount that you will pay monthly. In case you have any doubt about this, it is advisable to ask for advice from Bankate employees.
When this loan is requested, added to the requirements of which we have spoken before, the bank will request a payroll and the last declaration of the rent. These procedures are simplified to the maximum when you are a customer of the bank, because you will be able to easily access all the documentation you need.
This could be said to be a loan program that aims to make things easier for those who are finishing their studies. Here are 4 types of credits:
This loan makes it possible for the student to request an amount that can be up to € 44,000. The return period will be up to 6 months and you can request a 2-year grace period. About the requirements at the time of requesting the loan, only the proof of having made the registration will be requested.
The degree Loan allows you to obtain up to € 30,000. It is a type of loan designed for a tuition class of the so-called business or premium. The good thing is that the student can adapt the payments to the needs, being able to divide it in comfortable installments without further complications. If you only need to pay the registration of a cure, the amount is reduced to € 7500.
Another option that the student has is a loan in which they offer up to € 24,000 and two years of grace can be requested.
Advance of scholarships
If you wait for the arrival of a SCHOLARSHIP, but you need to have the money in that moment, it is possible to resort to the option of advancement of Scholarships of Bankate, an option with which you can access a limit of 95% of the money that you will receive. As soon as the loan is granted, they give 10 months for the return of the amount received.
As a single requirement, in order to have access to the advancement of scholarships, it must be approved and have a document that accredits it.
Requirements to apply for loans at Bankate
REQUIREMENTS REQUEST CREDITS
When requesting a loan from Bankate, a series of requirements must be met. About them they will be able to inform you in the branch of Bankate that corresponds to you or you can find them online in the section that belongs to the loan you wish to request.
We now detail some requirements at a generic level that we can show:
- Identification document: DNI, NIE or equivalent document.
- Older age (18 years old)
- Accreditation of income document. For all this it will be necessary to receive income regularly. Normally, the latest payroll and other documents are provided in order to demonstrate that a pension, assistance or benefit is received.
- If you want to request a more important amount of money, we must check if we find ourselves with ASNEF or another register of defaulters, which could cause the loan to be denied.
All these are some of the most basic requirements. In case you need the bank more information is put in contact to inform about what is necessary.
Bankate Simulator Loans
CALCULATE YOUR FEE
The simulator with which Bankate counts is an interesting resource with which you can control what is paid month by month in any of the two types offered by the entity, but without there being more commitments.
Using these simulators is easy, since you only have to follow 3 steps that we tell you right now.
You enter the amount of money you will need.
You enter the time for your return
You press to accept and you pay attention to the interests that you are going to have to pay, in addition to the monthly fee that you are going to have
As you have seen, Bankate gives you a good range of solutions in its wide range of loans, which cover many scenarios of great interest to the public.
Table of Interest Conditions of the Bankate Loans
|Maximum Amount:||up to € 60,000|
|Term Maximum Amortization||7 years|
|Fixed Interest Rate||4.99%|
|TAE of the loan||5.11|