On this page we will briefly explain the between personal guarantee plus real guarantee and the reason why in Good Finance we all only bet on the actual guarantee.

Mortgage with personal guarantee

Loan with personal guarantee

The loan with individual guarantee is one in which the debtor responds with the whole associated with his assets (assets plus rights) present and long term, in general, without any specific resource being affected or susceptible to the payment of the mortgage in a special way.

These loans are often granted to individuals and amounts not exceeding sixty, 000 euros and with conditions of less than 10 years.

In the absence of a particular tangible guarantee, as in the situation of loans with true collateral, and therefore presenting a larger degree of risk to the loan provider, the applicable interest rate is generally higher.

Regulation 16/2011, of June twenty-four, on consumer credit contracts, manages, in general, credit agreements among 200 and 75, 500 euros.

Legislation of consumer credit contracts 


Greater protection is conferred on individuals who act meant for purposes that are outside their own commercial or professional exercise. The fundamental aspects of the rules of consumer credit contracts are usually uniform within the scope from the European Union.

About the main difference of providing a personal guarantee to a true one, it is based on the ensure of collection that a monetary entity can exercise over the claim of a loan arrears.

Financial institutions possess large legal services that will put pressure on the customer for debt collection, but regrettably the defaults and following claims of a loan along with personal guarantee are sluggish and, in many cases, unsuccessful which means this type of loans They have a higher risk of collection.

In Good Financing we only accept genuine guarantees. It is not for risky reasons, nor for any kind of interest on our part or even with investors. The only cause is to offer a guarantee the money lent has a come back

Reach an on the amount, interest rate plus term of the loan


As a private investor we provide the platform, communication and information to invest your money. As a debtor we offer you the possibility of getting a loan only by providing an actual guarantee and obtaining the greatest private capital loan that this market can offer you, given that thanks to Good Finance’s system, investor and borrower can reach an agreement on the quantity, interest rate and term from the loan with the bidding program.