Let’s find out the best offers to receive a loan of 40000 euros. The solutions proposed by the main banks, with repayment plans lasting up to 120 months. Let’s see how to request a quote with an installment calculation and interest rates applied for personal loans of € 40,000 with repayment over 10 years.
Ultranix loan with return in 120 months (10 years): is it possible to request 40000 euros?
If you are looking for a € 40,000 loan, there are several solutions that allow you to get the sum of money you are interested in quickly and conveniently. On this page we present you the best personal loans that are offered by the major lenders. The first company for which we analyze the € 40000 funding is Ultranix. One of the main characteristics that is sought in a loan for such a high amount is certainly the possibility of extending repayment as much as possible. As we have also seen for other sums of money, the personal loans Ultranix have a duration ranging from 12 months up to 120 months, which obviously corresponds to 10 years. This repayment plan can be ideal for a loan of 40000 euros, as it allows you to set up repayment installments that are not too high and therefore allow a refund in all serenity. Furthermore, a fundamental characteristic of Ultranix loans is that they can be requested directly online with delivery in just 48 hours.
On the basis of what has just been said, Agos personal loans represent the perfect financing to obtain a sum of money as high as that of 40000 euros. The problem is that, as specified on the company’s website, this type of financing allows you to receive a sum that goes from 500 euros up to a maximum of 30,000 euros. So up to this amount you can access the personal loans Agos with reimbursement even in 10 years, while if the amount of money we need is higher this will not be possible. So you can not receive € 40000 by turning to Ultranix? Fortunately, this lender has studied some alternative solutions, aimed at those who are interested in receiving a higher sum of money, like the one we are considering in this article. The product offered by Ultranix that allows us to receive € 40000 without problems and in a short time is the sale of the fifth. This type of financing, of which you have probably already heard, is aimed exclusively at those who are employed or retired.
The main feature of this financing option is that the repayment installment can not exceed one fifth, ie 20%, of the net salary or pension received. In this case, therefore, the bond is not fixed on the amount that can be requested, but on the monthly repayment installment that can be fixed. This means that on the basis of the salary or pension received the maximum rate will be defined, which therefore based on the duration chosen will also determine the maximum amount to which you can have access. If our salary or pension is high enough there will not be any problems in receiving 40000 euros through the sale of the fifth Ultranix. By choosing a repayment plan with a return in 120 months, you can fix the lowest possible installment to receive the desired amount. Through the website of Ultranix you can request a free online quote for a loan of 40000 euros. To do this, simply enter the amount we wish to receive and the duration of the loan. Once you have entered your first and last name, email address and telephone number, we will receive a detailed estimate as soon as possible, which will be free and not binding.
Financing Astrofinance € 40000: free estimate online with installment calculation
Another credit institution that offers its customers the possibility of receiving a € 40000 loan is Astrofinance. In this case, personal loans provide for an amount that can be claimed ranging from 1000 euros up to even 60000 euros. So there will be no problem in receiving the sum of money we are considering, even without resorting to the assignment of the fifth. The advantage over the solution offered by Ultranix is that Astrofinance personal loans can be requested not only by employees and pensioners, but also by self-employed workers. The latter, in fact, even if they do not have a paycheck, have the possibility to request the desired 40,000 euros by submitting the last tax return. Finally, with regard to the unemployed, in this case it will be very difficult to receive a personal loan. However, we advise you to go to one of the Astrofinance branches by presenting a guarantor. The latter will necessarily have to possess an income document, and therefore will offer the required guarantees instead of the beneficiary of the loan.
If you are interested in applying for a € 40000 Astrofinance personal loan, the best thing to do is to request a free online quote. On the company’s website we find a simulator that allows us to calculate in a few seconds the monthly repayment rate and the interest rates applied based on the amount requested and the duration we prefer. The € 40,000 loans offered by Astrofinance last from 30 months up to a maximum of 96 months. So with respect to the loan solution seen above, in this case it is not possible to choose a repayment over 10 years. However, the maximum duration allows you to set monthly installments that are rather light, so we recommend that you take this loan option into consideration. The table below shows the monthly repayment and interest rates for each of the available durations, considering a request of € 40000 for the purchase of a new car.
|30 months||€ 1470.10||7.70||7.98|
|36 months||1248.00 euros||7.70||7.98|
|42 months||1089.60 euros||7.70||7.98|
|48 months||€ 970.90||7.70||7.97|
|54 months||€ 878.90||7.70||7.98|
|60 months||805.40 euros||7.70||7.98|
|66 months||745.40 euros||7.70||7.98|
|72 months||695.50 euros||7.70||7.97|
|78 months||653.50 euros||7.70||7.98|
|84 months||€ 617.50||7.70||7.97|
|96 months||559.90 euros||7.70||7.97|
As can be seen immediately from the table, the interest rates of Tan and Taeg applied by Astrofinance are practically constant as the duration chosen for the loan varies. In any case it must be considered that as the number of installments increases, the amount related to interest increases. However, for a € 40000 Astrofinance loan it is difficult to choose a particularly low duration. For example, if you choose a 78-month repayment, you can fix monthly installments of € 653.50, with interest rates of Tan 7.70% and Taeg of 7.98%. If you want the lowest rate in absolute terms, then the solution for you is the one with the highest duration, that is with a repayment in 96 months (8 years). In this case the monthly installments will be from € 559.90, with interest rates 7.70% Tan and 7.97% Taeg. The total cost of financing will therefore be higher, but the advantage will be to pay light installments.
Loan 40 thousand euros: monthly installments and interest rates for each term
Among the best financing options to receive an amount of € 40000 is the Loan. The credit institution to which you must contact to receive information about this type of financing is obviously InDirect. The general characteristics of this personal loan are however always the same. It is in fact a form of non-finalized financing, aimed at all those who can present an income document. So the guarantees that allow us to get € 40000 through Loan are the paycheck for employees, pension for retirees and finally the tax return (Single Model) for self-employed workers. Finally, for those who are unemployed there is the possibility to access the desired credit through the signature of a guarantor. The amount that can be requested ranges from a minimum of 3000 euros up to a maximum of 50000 euros, while the duration can be chosen at the time of the request and must be between 12 months and 84 months.
Also in this case, therefore, it is not possible to reimburse in 10 years, but also a duration of 7 years is an excellent solution. Very useful is the ability to request a free quote online, and then submit the request for funding in a few simple clicks via digital signature. There are several advantages of this form of financing, starting from the opening and management of the practice completely free. In addition, there is no provision for the payment of annual stamp duty and severance pay, and it is possible to choose at any time the early termination of the loan at no cost or penalty. Finally with the services, even these free, ” Salto Rata ” and ” Riduci Rata “, we will have the possibility to change the repayment plan according to our needs. To better see the characteristics of the € 40,000 Loan, we requested a free quote on the InDirect website. The table below shows the economic treatment offered for each duration, with the monthly payment and the applied interest rates.
|12 months||€ 3497.13||8.95||9.41|
|18 months||€ 2382.99||8.95||9,38|
|24 months||1826.47 euros||8.95||9.60|
|30 months||€ 1493.00||8.95||9.55|
|36 months||€ 1271.06||8.95||9.51|
|42 months||€ 1112.84||8.95||9.49|
|48 months||994.45 euros||8.95||9.47|
|54 months||902.62 euros||8.95||9.45|
|60 months||829.36 euros||8.95||9.44|
|66 months||769.63 euros||8.95||9.43|
|72 months||720.03 euros||8.95||9.43|
|78 months||678.23 euros||8.95||9.42|
|84 months||642.55 euros||8.95||9.41|
If you are interested in receiving a € 40000 Loan, the table above will help you find the ideal solution for your needs. The first lines of the table are particularly discouraged as they provide for monthly repayment installments too high. In this sense it is very important to evaluate the feasibility of a loan based on your monthly income. For a € 40000 loan, we advise you not to set a duration of less than 5 years. Choosing a refund in 60 months in fact the repayment installments will have an amount equal to 829.36 euros, with interest rates Tan 8.95% and Taeg 9.44%. In spite of the higher cost for the interest, we advise you to further increase the duration of the loan offered by InDirect. With a duration of 84 months the repayment installment will be significantly lower, namely € 642.55, while interest rates will be Tan 8.95% and Taeg 9.41%.