Health loans are a form of credit aimed at medical treatment but not only: they can finance everything concerning the well-being of the person in general, such as wellness centers, spa treatments, whirlpool baths, medical and beauty treatments.
This type of credit, as in the case of car loans, can be obtained in two ways: at the centers where care is taken or purchases linked to one’s own well-being in the event that they are affiliated with a financial institution or a bank or they can be requested as a finalized personal loan.
In the first case it is the classic consumer credit: the applicant, through the exercise where he is buying the asset or taking advantage of the service, stipulates a health loan contact with the financial company that directly liquidates the seller for the sum established and collects the installments by the usufructuary (the applicant).
In the second case the applicant is liquidated directly by the financial company with the requested amount and can spend the amount obtained for the requested purpose.
In this case it is often a personal loan for which the bank or financial institution will not actually require the purpose and method with which the amount was spent.
Additional figures necessary for other purposes can therefore be requested within the health financing.
LOANS HEALTH UNDER CONSUMPTION CREDIT
The loan is paid by the finance company directly to the lender of the good or service
No additional amount will be granted directly to the applicant for other purposes.
Interest rates are generally slightly lower than those for personal loans.
The timing differs from case to case but is on average (especially in the case of larger sums) slightly longer (but this is only a few days).
The amounts obtainable are directly related to the value of the good or service (and in any case assessed in relation to the applicant’s power to return)
LOANS HEALTH IN THE FORM OF PERSONAL LOANS
In the case in which the health loan is requested in the form of a personal loan, not being the proposed sum, properly destined to direct investments on the health and well-being of the person, it is possible to obtain additional sums greater than the value of the expense.
Obtaining this type of loan is subject to the characteristics of the applicant and can be in the form of a personal loan (for all those with demonstrable income) or a fifth salary (for all employees and pensioners).