We will help navigate the world of loans You have viewed dozens of sites with offers of loans? Eyes get? We will try to tell them the truth and to help choose the best offer
It is no secret that today take the largest loan in no better position than before.Moreover, it is beyond the power even for regular customers of banks that have a positive credit history for ten years.And credit conditions for such trustworthy customers are no different from the conditions provided by ordinary citizens.As you know, in order to get credit, you want to collect many documents to prove the borrower's creditworthiness.All this greatly hurts the people who must surely pay the
fees on the loan, consisting of the so-called body of the loan and
interest thereon.Interest rates for these customers are the same as that for people who
are constantly delaying payment or not contributing at all.This is due to the
fact that the bank provides the potential losses from such defaulters
in its interest rate, and thus we find that bank losses offset the good
pay.To make matters worse and that the banks, for
whatever reasons, refuse to provide information about unreliable
customers to other credit institutions.And the reason here is both greed and caution.Information about good and
bad customers is an excellent tip for competitors, and only stands to
send such information to credit bureaus, as there is any bank can
"entice" trusted customers in more interesting terms.Этого, естественно, боится каждый банк. Then, of course, afraid of each bank.They
are afraid of banks and the fact that information about problem
customers will be known to investors, who invest their money in the
bank.Investors quickly smeknut that this bank, there are difficulties with cash flow, and may flop in another bank.Therefore, the credit bureaus are not able to get all the credit institutions to combine their customer database.Participation in the supply of information is completely voluntary and
the banks even make a special point in its loan agreement customer's
consent to release information about him in office, but it is
practically not in use.But
when a borrower refuses to sign the contract clause, in theory the bank
should he refuse to grant a loan (it should at least alert those who
accepts credit decision), but in fact we see that the loans granted to
such people, albeit at its own risk Bank (the ability to get another
deadbeat).In addressing the issue of solvency of the borrower, the bank relies entirely on the security service.It is this department is engaged in clarifying the real client's income, the presence of his valuable property.This procedure is quite time-consuming and also inefficient, because
having an apartment and a car, people can evade the payment of the loan.To get your money back, banks are forced to spend money on a procedure for the sale of assets of the borrower.The point is long and difficult.Much more profitable for banks not to mess with people in general, but this requires cooperation from the credit bureau.
