Business and Housing

Definition: bad payer means those who have had problems in return for a loan or a loan to a bank or a finance company.

List of bad payers
All banks and finance companies, before granting a loan, make a payment check the reliability of the applicant. There are in fact lists of bad debtors are recorded in which people who have had problems in the repayment of the loan.

They are called SIC (credit information system) or central Risks, this huge database financial which banks pour more information about loans, loans, mortgages. These databases are then accessed by banks to verify the level of creditworthiness of borrowers and whether they had problems in the past to repay the loans.

There are central public risk, such as the Central Bank of Italy risks, covering loans, mortgages, advances, loans greater than or equal to 75,000 euro, the Central and Risks of SIA (Interbank Company for Automation), which covers exposures among 31,246 € and 74,990 €.

And there is private risk, which keep data of loans, grants, loans and credits totaling less than € 30,987.41. Among the largest in Italy include CRIF and Experian.

Loans for bad debtors. The bad payers can still get loans? The persons on the list of bad payers, they have some opportunity to apply for a loan.

The easiest way, if the poor paying work in a company public or private, is to borrow through the sale of salary. In this way, even if it is a bad payer, guarantees for the bank or finance company that issues the loan is good, because the rate of payment is through a payroll deduction.

Also bad payers can access loans with responsibility for payment of loans or credits. There are also some financial institutions that issue loans to bad debtors without requiring collateral. But these loans are usually minor, and have high interest rates.

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