Loan with Digital Signature: How It Works In Online Personal Loans, Where to Use It and How to Get It
All useful information about the digital signature loan . What is this type of online personal loan application and how does it work? We will see where it is used and how to obtain a loan through the use of the digital signature, which guarantees 100% about the identity of the customer and therefore makes the exchange of documents secure.
Loan with digital signature: what the kit is and how it works, how to get it
Today there are many forms of financing that are offered to us by banks and financial institutions. Among the features that are sought by customers there is certainly the speed of delivery . To meet this need, many companies are now offering their customers the opportunity to apply for personal loans online , which are often also referred to as digital signature loans . Thanks to the possibility of requesting a loan without having to go to the branch, delivery times can be considerably reduced, given that the procedure will be much more streamlined. The main problem faced by banks and financial institutions is that of security for both the credit institution and the client. This is because on the web it is complicated to check the identity of a person, and therefore the exchange of documentation represented a not indifferent problem. The digital signature represents in some way the answer to this type of problem.
The digital signature loan is nothing more than a personal loan that provides for an online request mode , which in turn can only be done through the use of the digital signature. But what is this digital signature? Very simply it is the equivalent of the signature that we can apply in pen to any document . Therefore the role of the digital signature is to ensure the identity of the person who is signing the loan agreement. Furthermore, the digital signature guarantees the integrity of a document , as it ensures that the document itself has not been modified following the signature by the customer. Furthermore the digital signature also guarantees in so-called ” non-repudiation “, according to which a subject cannot “deny” the signature itself as it is the only one able to affix it (just as it happens for a signature in pen on a paper document ). For all these reasons, it is essential to use a digital signature to apply for a personal online loan.
How to create your own digital signature ? To do this, it is necessary to use a special kit that can be purchased online at a fairly low price, generally between 30 euros and 60 euros. To obtain it, it is necessary to contact one of the various certification bodies that offer this type of service. For example, Aruba, Poste Italiane and InfoCert are among the main institutions that allow us to obtain the digital signature kit. There are different types of kits on the market, among which the most complete is the one with USB key, smart card and digital signature certificate, in addition to the software required for application and verification of the signature. To purchase the digital signature kit, we will need to register on the website of the chosen certification body . Once we receive the kit we will then have to activate it verifying our identity . To do this there are several ways:
- through Public Official by going to the Municipality;
- by going to a shipping center chosen by the certifying body;
- online or at home if your certifying body provides for these options.
Personal loans online with digital signature: where to use and how to make the request
If you are interested in applying for a personal online loan then you will first need to follow the steps we have described below. For the less experienced computer technicians we emphasize that this is nothing particularly complicated : the procedure for requesting the kit and creating the digital signature, as well as the subsequent use of the same, is described step by step on the website of any certification body . Once you have created your digital signature, you can therefore forget when to request personal loans it was necessary to make an appointment at the branch . All you have to do to access a 100% online loan will be to connect to your bank or financial website. Here you will find a special area reserved for online personal loans where you will find all the services you might need . Not all credit institutions provide for the completely online request mode, however, among the main ones we point out for example Agos Ducato, Findomestic, ING Direct, Poste Italiane and not only.
How to apply for online personal digital loans? Based on the description available on the site you can easily identify the product that is right for you. Also a very useful tool is the online simulator , which allows us to calculate a completely free quote in one click . All we will have to do is specify the amount we are interested in and the duration, in order to get an estimate of the expected repayment installment and the applied Tan and Taeg interest rates. As the duration of our repayment plan changes, the monthly payment and interest rates will obviously vary, so thanks to the simulator we will be able to identify the parameters of the loan that best meet our needs. Once the best personal loan has been identified, we can finally proceed with the online request by digital signature .
All we will have to do to send our loan request will be to follow the guided procedure in which we will ask for all personal data, the income guarantees we are able to provide and our contact details. This represents only the first phase of the request , which will be accepted or not based on the financing we have requested and our reliability. In case of acceptance of the request, the company will send us the loan contract which we will have to sign, obviously using the digital signature in our possession. To affix the signature, it is necessary to use the drivers and software supplied to us by the certification body and which are part of the digital signature kit. Obviously inside the kit there are also instructions for using such software , which in any case are very simple to use. Once the digital signature has been affixed, the game is done, because it will be just as if we had gone to the branch and we had affixed a pen signature on a paper document.