Looking for a soft loan online but don’t know which one to choose?
I will also explain to you in detail the conditions of each loan issued by financial institutions.
You must first of all know that the subsidized loan is a type of financing different from the other types of financing: this form of loan is useful for those who need more facilitated rules on interest rates or who is at the beginning of an economic activity and wants to make available a larger capital.
Types of subsidized loan
The subsidized loan is characterized by its various forms. Among the various types we find two in particular: the microloans and the loan of honor .
The most convenient financing is addressed both if you have a company and if you are a simple private individual.
Women, artisans and young people find it easier to apply for a soft loan. Even companies, above all for SMEs, have a greater attention. We make a distinction between corporate and private financing .
Soft loan for companies
Companies can get more capital especially in the start-up phase. Money that could be useful to carry out restructuring, start an e-commerce or simply to invest resources and take advantage of technological innovation.
Of course you are wondering from whom the soft loan is issued , in this regard they are often initiatives of the European Union or in other cases there are financial institutions that once analyzed the project, determine whether or not it is the case or not to guarantee a subsidized loan. The latter do not apply large sums of interest and their conditions are quite advantageous.
- Central Guarantee Fund : an optimal type of subsidized loan for small and medium-sized enterprises, the maximum guaranteed amount could reach up to 2.5 million euros. The maximum capital coverage includes very specific requirements, and is divided into various percentages, from 30%, 50%, 60% up to a maximum of 80%.
- Facilities of the Veneto Region : Veneto Sviluppo provides a subsidized loan for companies in the tourism, agriculture, crafts, trade and industry sectors. But above all it helps companies for young entrepreneurs. The loans are planned in the medium and long term, they provide for an interest rate subsidy, or a 50% reduction.
Soft loan for private individuals
The subsidized loan for private individuals is a form that has evolved especially in recent times. With the advent of the crisis, many families need more capital to be able to carry out work at home or face much more serious problems that require money.
Poste Italiane is one of the most active financial / banking institutions available to private individuals. Specifically, we are talking about the loan, we see in detail what it is:
The requirements are minimal but essential, you must be resident in Italy and have a working income (always in Italy) that can be demonstrated. The amount you can request ranges from a minimum of € 3,000 to a maximum of € 30,000 . The repayment duration has a very specific period, in fact it goes from a minimum of 24 months to 84 months.
Another facilitated loan delivered online is Credit Dynamic. The capital is disbursed by UniCredit, another banking institution that often offers advantageous initiatives for private individuals. Also in this case you can request a minimum sum of € 3,000 up to a maximum of € 30,000 for a duration ranging from 24 months to a maximum of 84 months.
Do you still have doubts about the subsidized loan or don’t know which one to choose?
Making a brief summary, you will be able to obtain advantageous financing (either as a private or business) or through the banking or financial institutions, or by participating in a tender issued by public bodies such as the Municipality, the Region, the Province or the European Union.