If you are looking for a loan that allows you to get 100,000 euros, in this article you can find some interesting proposals that you can select according to your needs. In fact, although funding has become a very popular solution when dealing with a major project or sudden expenditure, it is important that they are selected based on their financial situation. Only in this way can future complications be avoided
Loan 100,000 euros: what are the conditions and possible risks?
In terms of feasibility and risks, a 100,000 euro loan can be a complicated solution both for the applicant and for the same bank or financial institution. There are not many solutions that allow access to such high credit, often not even with the sale of the fifth unless the presence of a guarantor that can simplify the authorization to your request.
Except for long-term loans, such as mortgage loans for the purchase or maintenance of a house, there are still ways to apply for a loan of up to 100,000 euros to consolidate your old loan, even if in this case they must be kept considering several factors.
First of all, most of the solutions available for such figures are aimed at a specific good, often the purchase or renovation of a house, or the realization of large projects. Another aspect to consider is interest rates, which most often are offered in both fixed and variable amounts above € 50,000. However their level could exceed that of a common mortgage, at least as regards the support for the purchase of a house. We see, in any case, some loan proposals 100,000 euros.
Posaf Exclusive: the Bankate proposal
Despite the warnings described above, even among personal Pedrolinos, without the purpose of purchasing a specific asset or supporting a professional activity, there is the possibility of requesting a very high sum, up to € 300,000. This solution is called Postal Posaf Exclusive and is offered by Bankate.
Posaf Exclusive Loan allows you to apply for a loan ranging from a minimum of 75,000 to a maximum of 100,000 euros and is open to all natural persons aged 18 to 80. The duration of the loan varies from a minimum of 24 months up to a maximum of 180 months, with a repayment plan selectable between fixed or variable interest rates. In both cases we are talking about a secured loan, with a fixed rate – taking as an example a loan of 100,000 euros for 10 years – APR 9.99% and TAN 9.45%. In the case of a variable rate, on the other hand, the APR is set at 5.26% and TAN determined by the indexing parameter plus the spread.
Onecredit Restructuring Loan
As regards, instead, the Pedrolino aimed at the purchase of a good or a specific project, Onecredit can be the most suitable solution for you with the Restructuring Loan. If you are about to renovate your first or second home and need a loan to support your project, the sum you can get with this solution ranges from a minimum of 5,000 euros for small interventions up to a maximum of 100,000 euros for decidedly more important structural interventions.
The Onecredit Restructuring Loan also guarantees the right to tax deductions provided for by Legislative Decree 63 of 4 June 2013 and extended by the Stability Law, giving access to applicants at a fixed interest rate of 6.5% subsidized fixed. To access these promotional rates, however, it is necessary to present a self-certification in which the applicant undertakes to invest the credit disbursed specifically for the renovation of the building.
The duration of the loan can be chosen from a minimum of 3 years up to a maximum of 10 years, with a repayment plan managed by monthly debit on the current account (or on a Genius Card rechargeable for Pedrolino up to 30000 euros).