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The creditworthiness of bank customers

The credit bureau is a service offered by databases such as end-to-end knowledge company to provide adequate information on the creditworthiness of bank customers. When a bank receives a request for a loan, such as a personal loan or a mortgage for the purchase of a property, the first step it takes is to evaluate the customer’s reliability. This control takes place through an analysis of its credit history and of the applicant’s ability to satisfy the conditions of the loan. This evaluation is no longer carried out in the branch, but relying on specific databases, such as that of the end-to-end knowledge company.

List of bad payers

The end-to-end knowledge company is known in Italy in particular, since it is the main subject to whom we turn to know if we have been included in the list of bad payers, a condition that compromises access to credit. However, this group also performs very important functions for banks, such as the credit score. In particular, a database of this kind makes it possible to obtain information in real time, in order to provide a first general response to the customer about whether or not to grant the financing, even during the first meeting.

The credit report on the customer can then come at a later time, in a more in-depth manner.

This document provides more detailed data to the bank, also taking into account the characteristics of the loan. Obviously, the case in which the applicant is registered by the end-to-end knowledge company as a bad payer will be reported: it is however very likely that this information is already reported in the credit bureau. Other data then concern the sustainability of the financing for the customer’s pockets, thus highlighting the relationship between individual installments and entire capital, or between the value of the loan and that of the customer’s annual income.

The more advanced versions of the credit bureau also offer additional services, such as a geographical risk analysis, taking into account certain territorial characteristics, such as the price of the properties. In addition, they can alert bank staff about the creditworthiness and creditworthiness of the customer even within certain time periods, such as the following 12 months.

 

Each person is different. Each financial situation is necessarily complex, and deserves to be studied according to its profile.

Our files are there to guide you in your choices, or give you ideas.

How to choose a bank

Make a loan abroad

• Credit Europe: European loan, demand for money in the European Union
• Credit in Belgium for French
• Real estate loan to buy in Portugal
• Islamic finance and credit for Muslim

The problems facing his bank are numerous, especially when one has no money. We can go to the banking ban. Bank prohibitions, whether FICP (prohibited credit) or FCC (prohibited means of payment), have the greatest difficulty in finding funding for their projects. Almost impossible to buy a home or even a small car to go to work.

But of course, the lack of money does not stop only problems with his banker: it is often a source of family dispute, or even divorce. To avoid this, many are tempted to cheat, especially when working is not enough to pay the bills. I hope economic can help you make the right credit choice.

Banking problems

• How to get help from your bank financial advisor?
• Online banking advisor: as good as in a classic bank or almost
• Find a bank online when you are FICP
• Which bank for a banking ban?
• Carrying wages: a solution to unemployment?
• Living without a bank
• Solidarity credit, helping the disadvantaged
• How to get credit without contribution
• How to make a loan between individuals?

Understanding the bank

• Banque de France – Role of the Bank of France
• Central credit file and positive file
• How long does it take to wait for a credit agreement?
• Credit Scoring: How Banks Give Credit Agreement
• All about SRI funds, Socially Responsible Investment
• What happens if the bank goes bankrupt for an individual? The guarantee fund
• How much does a credit cost: know all about interest rates
• Rest to live minimum: calculation for a credit

 

Times to buy things on credit or obtain loans

The great ease in these times to buy things on credit or obtain loans, has caused many people to borrow quickly.
If you are up to date in your installments, there is no problem, but when you fall behind and the debt starts to grow, it is a symptom that you are spending more than you earn and you have not identified those “gaps” in your financial situation.

Here are a series of recommendations to cancel our debts efficiently:

1) Reduce your superfluous expenses. They can be those of entertainment: trips, trips to the cinema, purchase of unnecessary clothes and shoes, among others.

2) If you have several debts, start by canceling the smallest one, so you will quickly reduce your debts. Then continue with the next in size.

3) Look for new sources of income. It can be an extra job or a small home business.

4) Request a loan from a relative to pay your higher debts. Do not forget to be very satisfied with the payment dates.

5) Extend the term of the payment of your debt to adapt your quota to your ability to pay, which must be 30% of your monthly income.

When you ask for loans or take out things on credit, remember that the amount should not exceed more than three times your monthly income.

With these tips you can pay off your debts and avoid headaches.

And what would happen if I didn’t cancel my debts?

It will increase the interest rate and commissions, you will ruin your credit rating against the banks, your debt will increase due to interest and the bank will block your credit card or reject a next loan request.

 

 

With the European Union, the credit market is liberalizing. It is possible to make a credit in another country of Europe. But it is not easier to have a credit so far: the credit rules are European, only the registration at the Bank in France is ignored by foreign banks.

Make a credit abroad for financing in France, a good idea?

Imagine the following case: you are banned banking in France , you can no longer make a loan. It’s the FCC or FICP registration that blocks you, but these files are exclusively French. To circumvent this registration, it is legally possible to borrow outside France.

Another case: you simply want to enjoy the best conditions for obtaining credit by playing the competition, especially that being a border, the approach seems simple.

But in practice, can one apply for a loan at a bank abroad? Can one obtain a mortgage abroad to buy a house or an apartment in France?

File: credit abroad

• How to make a credit in Europe?
• Credit in Belgium
• How to finance a home in Portugal
• Muslim credit

Especially since today, banks are no longer strictly national, many foreign banks are also present in France. Crediter for example is also very present in Belgium. In practice, nothing prevents the Belgian bank from asking its French branch if a customer is registered with the Banque de France.

Compare our best credit offers credits without proof of Minga Credit!

A bank abroad can thus ask you for guarantees:

• Deposit with guarantor. Most of the time, it is someone who lives in the foreign country in question.
• Mortgage on the real estate purchased.
• Domiciliation of income. In the SEPA area of ​​the euro area, it is now possible.
• Registration of the Denier Proxy Privilege (IPPD). This guarantee is valid, in addition to France, only Monaco, Luxembourg and Belgium

Article dedicated to credit in Europe

For border workers , it is relatively easy to cross the border and go to Andorra, Luxembourg or Belgium, for example. If a Frenchman works in one of these countries, he will have no difficulty in opening a bank account and obtain a credit. We do not recommend going to another country where you can not speak the language.

Let’s take a quick tour of the countries where French is understood.

Credit in Andorra

Andorra, a small mountainous country of the Pyrenees, in addition to offering tax-free shopping, has the good taste to have modern and competitive banking services. On the other hand, it is better to move on the spot and to speak directly with the bankers of its financing project, or to call on specialized brokers.

Credit in Belgium

The rates are competitive, but you should know that, as for other countries, will always be slightly above the French rates.

Complete file on credit in Belgium

Credit in Luxembourg

Luxembourg, often singled out as a real tax haven, has a very successful financial sector. For Mosellans or Alsatians, it is quite common to have a bank account, especially when working as a border in Luxembourg.

Credit in Switzerland

Switzerland, well known for its banking services, is for many synonymous with security, a country where one puts its economies safe.
So it is not a country where one comes to ask for a credit, but a country where one comes to deposit one’s fortune, let us say it clearly. Yes, it is possible to make a credit in Switzerland, but with very strong guarantees that reassure the banker.

Bank loans abroad are advantageous when one is in cold with his French banker. But they do not allow to have state aid , especially in terms of mortgage. No Zero Rate Loan (PTZ), no loans under contract (including the social loan).

Exchange rate

Borrowing outside the euro area is a significant additional risk. If the foreign currency gains value against the euro, it will be much more difficult to repay the loan with income in euros.

Concretely, imagine that you borrowed in sterling. Every month you have to pay £ 500. If in 2018, it only took € 575 to get the British sum (£ 1 = € 1.15), imagine that in 2020, it takes € 650, with € 1 to € 1.30. What could have seemed to in the beginning a good deal can become a nightmare. However, it is also true that foreign currency can also depreciate, and you end up doing a good deal, but are you ready to take that risk?

We must also take into account any bank fees that exist as soon as we leave the euro area. They are sometimes consistent.

Special clauses

Even though European legislation is the same everywhere, some clauses may differ from one country to another. This is particularly the case for early repayments:

It is the national legislation that determines whether the creditor can claim compensation from the client who reimburses his loan before term.

Obligation to declare an account abroad

A person residing in France has the obligation to declare to the tax authorities his bank accounts held abroad.
Do not do it, it is to expose to 1,500 euros of fine by undeclared account, even of 10 000 euros if the foreign country does not have an agreement with France to fight against the fraud and the tax evasion.

MarKet’s review

To make a credit abroad without showing guarantees, it is almost impossible.

At the time of making a loan, one may be tempted by a credit abroad, perhaps cheaper or less looking on bank fichage.

To bypass a Bank in France card, preventing anyone from applying for credit, some credit agencies offer credit abroad, where the BdF does not exist. You have to be very careful! It is possible to make a credit outside the national territory, as for example the EU, but under certain conditions, very strict.

To make a real estate credit abroad to buy in France, only the putting in guarantee of a property could perhaps make it possible to obtain the loan. To discuss with the foreign bank advisor, case by case.

It is better to stay in France in view of the low French rates compared to neighboring French-speaking countries. This is something to reserve when you have more banking problems and despite that, the banks refuse to lend because of an internal file.

 

The disease of the game exists, ludopathy. Affected individuals, to continue playing gambling, are ready to make loans, to borrow, to continue to satisfy their dependence.

It’s nice to play a game of money, but certainly not on credit! Especially when there is one who cheats.

Summary

1. Credit to play, credit game
2. Ludophy: how do you become “addicted” to gambling?
3. Solutions to stop betting online or playing at the casino
4. Online gambling and betting in France
5. Tips for making money at gambling
6. Over-indebtedness and gambling
7. Little history of gambling
8. Infographic about the risks of gambling

Definition, according to the French law, of game of chance: “is a game of chance a paying game where the chance predominates on the skill and the combinations of the intelligence to obtain the gain”.

Online gambling promotes over-indebtedness

The disease of the game has a name: it is ludopathy. The Ludophyte, a person suffering from ludopathy can recognize himself when the game becomes for him gradually a need rather than a pleasure, that this need is stronger than his will to stop, even if the consequences are harmful, as much for the player as for for his family. This psychiatric illness, also known as “compulsive gambling” or “pathological gambling” has been recognized since 1980 by the US Psychiatric Association. As a disease, it is important to understand that people affected by it no longer have the same judgment as someone who is not affected by gambling, and have behaviors that seem totally illogical.

Make a loan between individuals

Article 30 of the law n ° 2010-476 on the opening to the competition and the regulation of the gambling sector on line, published in the Official Journal of Thursday, May 13, 2010, forbids anything it is purely and simply the game on credit.

The game on credit is prohibited.

It is forbidden for any gaming operator holding the authorization referred to in Article 21 as well as any officer, corporate officer or employee of such an operator to lend money to players or set up directly or indirectly devices that allow players to lend to each other. The site of the licensed online gaming operator may not contain any advertising in favor of a company that may make money loans to players or allow inter-player lending or any link to the site of such business.

Free credit to play

As a promotional medium for their gambling site, some gaming companies “offer” money as a ” welcome gift ” to new players. It is therefore proposed to offer new members a sum of money to test the site, and the online bet. It’s for me, and for the blog of the credit, a commercial practice harmful! It is an incentive even to go to vice. The site plays the role of the person who offers his first cigarette to a teenager, to get an idea, or the first seal.

Get credit when playing money games

I was recently reading on a forum the story of a person who was asking for a loan from his bank while playing gambling. This person was not a ludopathe, she was not a “gambling addict”. But his banker, studying his statement of account, as he played gambling, and simply refused to give him credit. The banker is perfectly entitled to it, if he considers that the profile of his client is too risky. Banks are not a charity institution, and more and more are empowered in case of overly lax loans: it is almost normal that it refuses to lend money to someone who exhibits risky behavior.

If you play gambling, the bank may refuse you a loan.

Banks prevent, as a matter of fact, many people to make mistakes, or find themselves with a debt overhang of the Bank of France on the back. Before playing large sums of money on games of chance, we must think, even if we are not dependent (or believe that we are not).

In addition to the prohibition issued by the Ministry, a casino has the right to refuse entry to people they do not consider they should come. This is the ANPR file (“not to receive”) where everyone has the right to register as well. We can modulate this inscription, saying for example that we would have the right to come only on Friday, or the first of the month, etc. This is an arrangement with the casino, which, contrary to what is believed, has no interest in having a lot of problem gamblers.

The national file contained more than 26,000 people in 2006. The vast majority, 90%, are voluntary prohibitions. The others are bans at the request of casinos, for cheating and scandal.

Offers an explanatory infographic of the risks of gambling.

Reduce the cost of home loan insurance

Since the creation in 1831 of Henerallye in Trieste, the insurance company has become one of the leading European insurance groups today, established worldwide with more than 100 companies in 70 countries for approximately 30 million customers, Henerallye France, is the 2nd insurance group in France and the third largest European insurer.

Credit insurance guarantee less expensive

Knowing that the Cogilaw Company since September 2010 allows you to choose the contract and the insurer to ensure the protection of your credit to guarantee the coverage of the mortgage in the event of death, total loss of incapacity and autonomy, incapacity total of work, permanent and total disability, loss of employment: You will understand that it is essential to compare the different offers of insurance loan such as Henerallye insurance with the best credit insurance offered by the broker!

He is no longer obliged to contract the loan insurance offered by the bank providing credit. The beneficiary of the loan today has the freedom of choice.

In order to offer the best, the Henerallye offer has been designed to allow the beneficiary of the loan to make real savings on his insurance.

The Henerallye contract takes into account all the factors that make a loan insurance policy advantageous. Thus the Henerallye loan insurance is made to suit all types of home loans. Whether it is a fixed or variable rate loan, whether the maturities are flexible or not, whether there is a grace period or not, the coverage offered by Henerallye is perfectly adequate.

In order to adapt to all budgets, Henerallye loan insurance is flexible. This means that it is always absolutely guaranteed that the loan will be repaid in the event of death, but that it is also possible to take out optional guarantees. Thus it is possible to subscribe the total repayment of the loan in case of work stoppage, but also in case of incidents causing partial or total disability. These optional guarantees allow you to live your loan in the greatest serenity.

If too many loan insurances set a low maximum age, the insurance can be taken out until the advanced age of 84 years. And this because Henerallye believes that seniors also have the right to benefit from the best loan insurance.

Last but not least, Henerallye credit insurance is economical. Thus on a loan of 15 years it is possible to save up to 4 461 euros! It is also in this that the offer is absolutely advantageous. In addition, the defined rate is final throughout the contract, to avoid any unpleasant surprises.

Subscribe Henerallye loan insurance is the guarantee of a successful loan!

Housing credit insurance simulation with the insurance company Henerallye and the specialist loan insurance broker, Personalized study of your borrower insurance file and support until the implementation of the Henerallye loan insurance delegation contract, usually within 24 hours without problem health from the borrower:

• Guarantees recognized by banking institutions
• File set up in 24 hours
• Free simulation tools, compare offers
• Henerallye Insurance Solution, for all borrowers

Delegation insurance Henerallye loan

Information to the borrowers on their rights, possibility of choice of the guarantee, prohibition to the banks to impose a single bank loan insurance contract, the banker is in the obligation to:

• Take as security for the loan an external loan insurance delegation if the contract is of equivalent level in terms of guarantees
• Determine and explain the reasons for refusing to accept individual “external” loan insurance
• Maintain the terms of the loan even if the borrower chooses an individual non-bank insurance for the protection of his credit

Lagarde law, is for the consumer, a significant advance following the Furcem law, the loan insurance market is changing and opens to competition between banks and insurance companies, which has for effect of lowering the cost and rate of collateral.

Henerallye Group digital insurance

• Creation date: 1831
• Registered office: Trieste (Italy)
• Activity: Insurance
• CA (2008) $ 103 billion

The importance of making a comparative loan insurance quote is no longer to be proven as the differences between companies according to the profile of the borrower are important. In order to be sure to find the most suitable contract for the borrower, a contract that guarantees the protection of the credit throughout its duration, call the real estate loan insurance broker!

 

 

 

Operating lease is a specific type of financial transaction

The operating lease is a specific type of financial transaction that allows the purchase of the use of goods and services of which, however, it is not possible to redeem at the end of the stipulation contract. Unlike financial leasing, in fact, the operating lease is distinguished precisely because it does not provide the possibility for the user to become the owner of the goods once the period indicated in the contract has expired.
While there are three subjects involved in financial leasing (owner of the asset, user company and financial company), there are only two parties involved in the operating lease since the presence of the financial company is not necessary since the producer of the asset can sell its use. without the need for intermediaries. For these aspects, the operating lease is equated with a lease or rental contract because it shares all the general principles and is often referred to as an operating lease. Specifically, the differences between finance leases and operating leases mean that in the second case the risks that may arise from ownership of the asset are the responsibility of the lessor and that it is not mandatory to introduce minimum duration time constraints in the initial contract. Furthermore, in calculating the periodic fees, not only the time parameters are taken into consideration but also the costs related to the technical and administrative assistance services of the asset subject to the operating lease.

Assets that can be use

The assets that can be used through an operating lease are both those with a rapid obsolescence, and those with longer periods of economic life, as long as they require maintenance which is the responsibility of the grantor, given that the user only pays for use. Specifically, the assets that most commonly fall under operating leasing contracts are: technological assets (including software assets and installation and technical assistance services and any training to use them), goods from the world of copy, including maintenance, assets electromedicals, boats and machines used for the movement of the soil.

No mandatory time constraints

Although there are no mandatory time constraints, usually an operating lease has a duration ranging from 18 to 60 months, always taking into account the estimate of the economic life of the asset covered by the leasing contract. At the end of the period indicated on the initial stipulation contract, the user can request the grantor to extend the period of use according to conditions to be established at the time of acceptance or he can either return the good or request a replacement.
Although the operating lease does not provide for the possibility of redemption, the user can propose to the grantor to buy the asset by paying a sum that takes into account the current market value and the period of use, as well as the economic life that remains to the asset before this is no longer usable.
For more information on operating leases, you can contact one of the many agencies that deal with it or at the branch of a bank that is equipped with leasing operators.

When you think about buying an apartment, the first feeling is to be fulfilling a dream, but then certain doubts invade you and you end up postponing that idea. And is that just thinking about everything that can go wrong, you are discouraged and prefer to continue in your current situation.

Don’t be scared, this doesn’t have to be that way. If the following nightmares are those that prevent you from being encouraged to buy your first property, this is the answer for each of them:

 

What if I can’t continue paying the credit?

First, you should keep in mind that there is the refinancing option, whereby, if you have difficulties paying the mortgage, you can talk with the bank to make a readjustment of the credit conditions, granting you the corresponding facilities. Remember, the bank is interested in paying, so they can reach an agreement. In addition, it is important that you do not forget to have an emergency fund, which can help you in these cases.

 

What if the monthly fees are very high?

This should not happen if you first compare the different options offered by financial institutions. When you see what the fees are, you can choose the one that best suits your pocket. Eye, you should not monopolize more than 30% of your income.

 

What if something happens to my home?

All mortgage loans come with insurance that protects the home for the entire duration of the debt. This insurance protects against disasters that could affect it. However, you can always check under what conditions it works in your contract.

 

What if I die before I finish paying it?

There is the insurance of relief, which guarantees that if you die, it will be this insurance who will finish paying the debt to the bank. The insurance percentage is included in the monthly installments.

With these answers there is no excuse for letting these nightmares get between you and your new home.