収入証明書不要の借り換えローン
借り換えローンを利用してローンの負担を減らしたい方は多いですが、収入証明書の提出がやはりネックになります。
消費者金融と銀行カードローンはどち らも収入証明書不要で借り換えローンを利用できるのですが、やはりお勧めは銀行カードローンの方です。
その理由は、金利が安いのと収入証明書不要になる金額が消費者金融よりも高いからです。
消費者金融の場合は、銀行カードローンよりも低い金額の融資でも収入証明書が必要になることがあります。
なので、いくらからのローンであれば収入証明書が不要になるのかを調べることも大事です。
負担の減らし方を考えてみよう
借り換えローンを利用する目的は、前述のとおりローンの負担を減らすことなのですが、単に毎月の返済額を減らせればそれでいいのか、それともトータルの返済額を減らしたいのかで利用する金融機関は変わってきます。
毎月の返済額を減らしたいだけであれば、借り換えローンを探す前に今の金融機関に相談してみることをお勧めします。
また、やはりトータルの返済額を減らしたいのであれば、当然金利が低いローンを利用することが大事です。
つまり、自分にあった返済方法を考えた上で借り換えローンを探す方がメリットがあるということです。
お勧めの金融機関はどこなのか？
収入証明書不要の金融機関であれば、どこがお勧めなのかですが、オリックス銀行がお勧めです。
オリックス銀行は３００万円までの借り換えローンであれば原則として収入証明書不要で大丈夫です。
また、オリックス銀行は審査が通りやすいことでも有名です。
なので、借り換えローンを利用したい方がオリックス銀行に殺到しており、結果的に銀行カードローンの中では他に銀行に比べて高い貸付残高になっています。
では、なぜオリックス銀行は審査が通りやすいのでしょうか。
オリックス銀行の保証会社は２つある
オリックス銀行では、保証会社を２つ利用しています。なので、どちらかの会社でOKがでたら融資できるので、１つの保証会社しか利用していない他社と違って審査に通りやすいのです。
銀行カードローンの場合は、審査は自社が行っているのではなくて、保証会社が行っています。
なので、異なる審査方法で審査してもらえれば、通常の２倍の確率で審査に通りやすくなるということです。
なので、借り換えローンを探している方は、まずはオリックス銀行に申し込みするといいでしょう。
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