A microcredit is a small amount of money (usually no more than 1,000 Euros) that anyone can borrow from a microfinance organization. The main thing is that the borrower is of legal age. The passport must confirm this. Actually, no other documents are required when applying for a micro-credit. And this is exactly one of the most important advantages of this method of obtaining money in debt.
Another important advantage of microcredits is the ability to register for them anywhere in the Netherlands where the Internet access is available.
And the third advantage is the ease of obtaining the necessary amount. It consists not only in the absence of the need to collect a large number of documents, but also in the fact that the process of obtaining such a credit takes very little time – only a few minutes. If there is a device that provides Internet access, then there will be no problems when applying. The decision of the organization itself, which will not take long to wait, is 99% likely to be positive.
Additional documents
The main and mandatory document that any credit company will require from the borrower is a passport. Without the passport, it will certainly not work to get a credit. However, some companies oblige their customers to submit additional documentation. This may be a certificate of income. But, as a rule, users prefer those organizations that issue a credit only with a passport. There are plenty of them on the market.
How old must the borrower be?
The minimum age of the borrower is 18 years, and no any reservations. Even if a birthday is on July 24, and today is July 23, he will not be given a credit. Some credit companies also set a maximum limit. For example, it could be 80 or 85 years. But most companies still do without such restrictions. They understand that a pensioner has a permanent source of income, so most likely he will have no problems paying off the debt. In addition, most of older people are financially disciplined. They absolutely do not like being in debt, especially not to any relatives, but to serious organizations. Employees of credit companies understand this perfectly well, so they rarely refuse to issue credits to pensioners.
Credit processing process
The easiest way to get money in debt is to submit an appropriate application online on the official website of the credit company. It's a little more difficult to contact the office directly. But it also won't take much time, unless, of course, the office itself is nearby and one doesn't have to get to it for hours.
To get a microcredit in the office, it is necessary to come there with the required documents (or with one passport) and apply. After the documents are verified by the company’s employee, the contract and agreement or processing the personal data must be signed. The required amount can be received on the day of the request. Only occasionally a customer has to wait a little longer.
The process of applying and receiving money via the Internet is much easier and faster. Advertisements say that it is possible to get a micro-credit in just "one click". In fact, of course, there will be more clicks. However, the fact that this procedure is extremely simple is an absolute truth.
So, in order to apply for a credit on the Internet, it is necessary to "get armed" with any device that provides access to the World Wide Web. It can be a mobile phone, laptop, desktop computer, and tablet.
The user then performs the following actions.
1. The first step is to find a suitable credit company in the Netherlands. There are a lot of them on the Internet; one can use loan offers comparison sites such as AllCredits. And before making a choice, the conditions for obtaining a credit must be studied. If they are not suitable for one reason or another, it is better to immediately abandon the services of this organization and consider another option.
2. When the right credit company is found, a registration on its official website must be done. Full name, passport and mobile phone number, marital status, purpose of lending and other information (it all depends on the credit company) must be entered in the registration fields.
3. A passport photo is attached to the completed questionnaire. Although, not all the companies make such a requirement.
4. Next, the phone number specified in the registration fields must be confirmed. This is done in the traditional way using SMS.
5. Then an application is submitted where the required amount and the desired period must be specified.
6. The application is confirmed by an SMS code.
7. Now it remains only to choose a way to receive the amount of money and wait a little while when it arrives on the account. This usually happens within a few minutes after submitting the application.