Andrea Fletcher is an MBA with a Master's in Finance. She has an expertise in writing on topics related to finance. Here she shares her views on CCJs homeowner loans , Unsecured loans CCJs, Secured loans CCJs, CCJs loans . For more information log on http://www.ccjsloans.org.uk
CCJ means county court judgment and these judgments are issued to solve issues like violation of contract concerning properties, debt repayment, etc. When such a CCJ is issued against an individual, his/her credit history becomes zero for next 6 years if he/she doesn’t repay the debt fixed by the court within 1 month from the issuance of the CCJs. In such a situation impending monetary crisis can make matters worse. CCJs tenant loans is designed to lend money to tenants in such a situation and help them to recover their credit history.
This short term loan does not require any collateral, so borrowers can be in rest assured that they do not risk their property or any other valuables, if also they default in the repayment. The loan amount, monthly repayments and tenure is decided after proper verification of the borrower’s current repaying ability. The loan approved is usually $1000 to $25,000 with repayment tenure of 6 months to 10 years. The interest rate is higher as compared to other conventional loans. So, one must repay the debt well in time to avoid increased rate of interest, fees and penalties.
The following criteria are also a prerequisite of a borrower apart from proper repaying ability:
a) The borrower must be citizen of U.K.
b) The borrower must be living at the present address since 3 months.
c) The borrower must be above 18 years.
d) The borrower must have a regular job since 6 months.
e) The borrower must have a current bank account.
Various offline and online lenders are available in the market for this loan. One can easily apply online which is easier and faster than the conventional loan process. The borrower just need to fill up the online application form for the loan and the rest will be handled by skilled managers appointed by the lending company. As soon as the borrower’s personal and banking information is verified, the loan is approved and the loan amount is transferred to the borrower’s bank account.
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