MonthNovember 2019

Credit software for employees of private companies

When you use our services, you are providing us with your information. We understand this is a big responsibility and we work hard to protect this information and put you in control.

This Privacy Policy is intended to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete this information.

COLLECTED INFORMATION

bank

We want you to understand the types of information we collect when you use our services. We collect information to provide better services to all our users, including discovering basic things, mobile network information, including carrier name and phone number. We also collect information about the interaction including IP address, bug reports, system activity, as well as the date, time, and URL of your request. We collect this information when our application is used on your device to contact our servers.

We also collect telephone registration information, such as phone number, name, email address of customer queuing or booking, time and date of sending SMS’s and messages. We store the information of waiting time and time spent by the customer in the establishment.

WHY WE COLLECT DATA

WHY WE COLLECT DATA

We use data to create better services and to enable effective use of the application. This information we collect in all our services described is to enable all services that require our application.

This information maintains and has improved our services. We also use the information to ensure that our services function as expected. Develop new services we collect from existing services in the development of other services. Collected information also helps in the security and protection of stored data.

KEEP YOUR INFORMATION SECURE

cash

We incorporate security into our services to protect your information. All of our products are designed with solid security features that continually protect your information. The insights we receive from maintaining our services help us automatically detect and block security threats. And if we detect something dangerous and worthy we will act with our support to maintain security.

We work to protect unauthorized access, alteration, disclosure or destruction of the information we hold, including: the use of encryption to keep your data private while in transit; offering a variety of security features such as Safe Browsing, security scanning and 2-step verification, information storage and processing practices, including physical security measures, to prevent unauthorized access to our systems; the restriction on access to personal information by employees, contractors and representatives.

No credit history, how to get a cheap loan with an empty “BIK”?

 

In the lives of most of us, there comes a moment when we most often use banking credit products. How do you get a cash loan if you have never repaid anything before? Is the lack of credit history really problematic for banks? The problem in this situation is quite low credibility with banks, these institutions do not trust clients from the so-called blank card. In the article, we will try to advise you what steps to take at the beginning of your credit path. How to get the cheapest cash or consolidation loans available on the market in the future.

What is the reason for a bank’s refusal to loan if there is no credit history?

What is the reason for a bank

Despite stable employment, the client is refused by the bank, why? From the bank’s perspective, there is a risk that the customer will fail to pay. It is completely different when the customer has already recorded liabilities in the repayment history and the bank sees regular repayments. In situations where there is no credit history, banks are able to grant relatively low amounts. If a client applies for USD 50,000, he may be refused only because the bank does not, as a rule, lend people from the so-called empty BIK for such large amounts. It may turn out that the maximum amount is about USD 15,000.

In this situation, it is worth seeking help from a credit intermediary. From among several dozen banks, the client is not able to choose the one who will easily offer him the expected amount. The advantage of advisors’ knowledge is important here, in the case of a client with stable employment amounts for a person without a credit history are up to USD 120,000. As for the refusal, it’s also worth checking your debtors’ bases (KRD and BIG). Many clients forget, for example, about an unpaid fine 5 years ago. It happens that because of such seemingly insignificant things, the bank refuses to grant the customer a loan.

When does credit history appear?

When does credit history appear?

The Credit Information Bureau collects all information about the repayment of our obligations. The institution processes such important information as bank inquiries (in detail on what day for what amount we asked for a loan in a particular bank) and monthly payments of our installments.

If the customer is 2 days late with payment of the installment, BIK will immediately note this fact. So the story appears after 1 month of repayment of any bank liability. However, the BIK score will not appear until 6 months of repayment of such a loan. This appearance of scoring causes banks to treat the customer as someone with a credit history .

It is also worth noting that liabilities from the non-banking sector will not cause credit history, this will only be generated by banking products. Nevertheless, if the customer has non-bank loans outstanding and in arrears, they can effectively prevent obtaining a bank loan .

How do you make a good credit history?

How do you make a good credit history?

There are many ways to generate a credit history. You can also do it without additional costs. Two good ways are:

  • Credit Card – smaller amounts are awarded even without income documents, based on turnover in the account or the fact that we are the bank’s customers. Regulating it in a timely manner does not entail costs and it shapes our credit history.
  • Many stores offer loans with 0% APRC, which means that we don’t pay for it. Even if you have money to pay cash USD 100 for an iron, USD 2,000 for a TV set, take these products in installments. This procedure will allow you to get much cheaper loans in the future than those offered without a credit history. Any home electronics product is a good idea here, of course, bearing in mind timely repayments. Setting an automatic transfer order in your account will definitely help.

Young people and bank loan, what is the minimum age to get a bank loan?

Young people and bank loan, what is the minimum age to get a bank loan?

The ideal customer for the bank is a 40-year-old couple, both of whom work in a budget, on a contract of employment for at least 4 years without children. Preferably still owning a flat. Perfect clients, however, are rare, which is why banks have to deal with it. A young 20-year-old person is not a dream customer for a bank offering loans, but is still the person on whom the bank can earn. Therefore, the sideburns agree to credit 18 or 19 year olds. It is worth turning to a proven credit broker in this case. Not every bank will accept such a young person.

In some banks, the minimum age of a credit customer is 21 years, in others 19. The minimum age to get a loan in several banks is 18 years. Having an income document confirming the earnings from the last 3 months, the bank is able to agree to credit the customer. It should be remembered that a loan for 18-year-olds will agree at most 3-4 banks out of several dozen. A lot more room for maneuver appears when the customer is 21 years old.

Pensioner and no credit history

Pensioner and no credit history

What about older people who have never had a need to take credit? How do banks look at such clients? Despite the fact that such persons can have a stable income such as retirement or disability pension, banks do not approach them as clients. To start with, credit offers offer significantly lower amounts than people with a credit history. Banks are wary of clients because they are afraid that they may have had their credit history cleared.

Such a procedure consists in applying for cessation of information processing in banks. The effect is to delete negative entries in the BIK. Banks where the customer did not have loans do not see such a bad credit history. Therefore, banks will carry out extensive verification of older customers who have never had loans before.

Mortgage and no credit history

Mortgage and no credit history

Shaping your credit history is not so important when applying for a mortgage. In this banking product, the loan is secured by real estate, therefore the bank does not pay so much attention to the lack of repayment history of credit obligations.

Which banks give loans without a credit history?

Which banks give loans without a credit history?

Basically all, there are no secrets here. If the customer has a confirmed income, he has never had problems with paying his debts, he has no entries in the debtors’ databases, he should get a loan everywhere. These will not be large amounts, banks set different limits for new borrowers, but there should be no problem with the mere fact of obtaining a loan.

If you have questions, please contact our advisers. They will help both young people get a bank loan and the elderly. They will choose the cheapest offer available on the market. For us, a lack of credit history is not a problem.