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。
I am regular visitor, how are you everybody? This article posted at this web site is really pleasant. Glori Lazare Wilhide
I in addition to my buddies came examining the great advice found on your web site and at once got an awful feeling I had not thanked the site owner for those strategies. All of the people are already as a result glad to learn all of them and have in effect in actuality been loving those things. We appreciate you turning out to be very accommodating and also for opting for varieties of magnificent subjects millions of individuals are really desirous to understand about. Our honest regret for not saying thanks to you earlier. Gisella Calvin Montagu
I think this is among the most important info for me. Maridel Rowan Fredek
I was excited to find this great site. I want to to thank you for your time for this fantastic read!! I definitely enjoyed every part of it and I have you bookmarked to look at new information in your site. Zorina Flemming Nachison
I was able to find good information from your blog posts. Quinta Ted Dragoon
Thank you Jasmin. Yes, I was shocked and unnerved too. We definitely need to be fiercer or we will continue to be silently railroaded by the plastic industry. Matilde De Witt Wivina
Hello there. I found your site by the use of Google at the same time as looking for a comparable subject, your web site got here up. It seems great. I have bookmarked it in my google bookmarks to come back then. Briana Gawen Nikolia
Thanks for the sensible critique. Me and my neighbor were just preparing to do some research about this. We got a grab a book from our local library but I think I learned more clear from this post. I am very glad to see such magnificent info being shared freely out there. Annabell Denis Kimmel
Hello, I believe your blog may be having browser compatibility issues. Whenever I take a look at your site in Safari, it looks fine however, when opening in Internet Explorer, it has some overlapping issues. I merely wanted to provide you with a quick heads up! Apart from that, excellent website! Wenonah Dun Kama
I was pretty pleased to find this website. I need to to thank you for ones time for this wonderful read!! I definitely appreciated every bit of it and i also have you saved as a favorite to look at new stuff on your blog. Corrina Milt Ailene
PCs with consoles. More accurately PS4 and Xbox vs. Ulla Matthaeus Axe Lillis Krishna Docila
I really like it whenever people get together and share opinions. Great site, keep it up! Dolorita Abbe Drud
Nice post. I learn something totally new and challenging on sites I stumbleupon every day. It will always be interesting to read articles from other authors and use a little something from other sites. Elfrida Jared Hachmann
Very good write-up. I certainly appreciate this website. Thanks!| Binnie Tucky Kidd
I feel that is among the so much important info for me. And i am glad reading your article. But wanna remark on some general issues, The web site style is ideal, the articles is in reality excellent : D. Just right job, cheers| Helene Loy Carpio
Wow, superb blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is wonderful, let alone the content! Debra Wolfy Mihalco
Wow, awesome blog layout! How lengthy have you ever been running a blog for? you make running a blog look easy. The whole glance of your site is great, as well as the content! Priscilla Charlton Teri
Heya i am for the first time here. I came across this board and I find It truly useful & it helped me out a lot. I hope to give something back and aid others like you aided me. Susy Lowe McDowell
A round of applause for your blog article. Much thanks again. Cool. Wrennie Iosep Mischa
Very good post. I will be experiencing some of these issues as well.. Marilee Meredeth Joye
WOW just what I was searching for. Came here by searching for website Cleo Lowe Boesch
There is certainly a lot to find out about this topic. I like all of the points you made. Emmalynn Cris Pineda
Great! We need 2 units of bark dust. How much will that cost us? We live on Bull Mountain, nearer Beef Bend Dr. in Tigard. Thanks for your response! Blanche Osborne Shiverick
Great post! My favorite trend is the leopard, of course Norene Hayes Kurzawa
Every as soon as in a even though we decide on blogs that we read. Listed below would be the most up-to-date web sites that we pick out Aloise Delmore Vandyke
I will have to look up both of these authors. I have not read their work before, and am always looking for new authors to read! Thanks for sharing! Amalita Jamey Savadove
Right now it looks like Expression Engine is the preferred blogging platform available right now. Casie Corrie Mihe
Design is the fundamental soul of a man-made creation that ends up expressing itself in successive outer layers of the product or service. Felicia Derek Inessa