Not everyone, but many of us have approached more than once with the concept of lack of creditworthiness.
Consequently, when we hear in the bank from the adviser that we do not have credit worthiness, we wonder what it is and what the reason may be that we can not apply for a mortgage, business loan, consumer loan, consolidation loan or standard cash loan .
Today, we will explain to you what this is a concept used by banking advisors or in many financial institutions "Lack of creditworthiness".
All financial institutions take into account the amount of income and revenues generated by us, as well as the number of liabilities held, credit card, account limit, working capital loan, mortgage loan or cash loans.
Here are some tips on how to improve our image towards the bank.
- Unnecessary loads.
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If you have a credit card, revolving loan, account limit, think about whether they are necessary for you, if you have one of the above mentioned products, remember that for the bank, it will be calculated from the full amount most often as 5% installment, eg:
Credit card PLN 10.000 x 5% = PLN 500 installment
In this short example, we show how the credit card installment is calculated in the bank, so it is best to consider whether the card that we set up 5 years ago, in a very nice lady in the bank, we need.
- Loan and its date.
We think that if we take a loan for a shorter period, the bank will be happy to provide us with a larger amount, but it is not the end, remember that the bank calculates 60% of the value of our income, so it often happens that we are surprised that we do not have the capacity, for example:
Our net income is PLN 3,600. Our ability according to the bank is PLN 2 160, but we must remember about our credit obligations that burden it.
Our loan installments PLN 1554:
Credit card 10.000 x 5% = PLN 500 installment
Mortgage loan PLN 220,000 = PLN 694, installment
A target loan of PLN 20000 = PLN 360
After this example, we see that we can choose a product with an installment of PLN 606, in order to increase our ability, we can close the card or consolidate the liabilities that follow from the example above.
- Parabanks, Watermen, Loans outside banks. Nail to the coffin.
Bargain offers are known to everyone, we do not have to write too much about it, but when it comes to getting such payday breaks it is very risky why? If we make such a commitment, our creditworthiness will be severely affected due to the fact that in the majority of the above-mentioned products they are part of BIK due to legal regulations as loan installments or data from the non-banking sector, eg:
5.000 PLN loan According to our clients' statistics and BIK statistics, the frequency of taking loans is very large and mostly for a period of 3 months. If the loan is worth PLN 5,000, then the installment in BIK is PLN 2212.06 for a period of three months. So according to the above mentioned values, we do not have the ability.
- Increase your ability with a guarantor or a second borrower!
In many lack of abilities, you can add a guarantor to the loan, which has its own income or a second borrower. This solution gives us the opportunity to generate better offers by the bank. It is understandable that the second borrower or guarantor must earn income under a contract of employment, contract of mandate, contracts for specific work, pensions, pensions and business operations.
- What to do when my company has no ability?
If your company settles in the form of kpir, lump sum (income record), tax card, full accounting, sometimes there is a situation where you can not creditworthiness, it may be justified by a weak month, weak year, loss of a valid contract, loss of employees, investment in We can exchange endless examples of loss or decrease in income, each industry specializes in something else, and it's hard to accurately convey information about what can be caused by loss of ability, and lack of offer in the case of applying for a loan for companies. , loan for individuals running a business, investment loan, account limit for companies, or a simple cash loan for companies.
- Professional help!
Regards Angry Suck!
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