Business and Housing

Posts Tagged ‘bank’

All may find you faced with the necessity of having to make an unexpected expenditure. An appliance from having to change or repair the car that leaves us to walk at any moment. It is possible that the same time the money set aside is not sufficient to resolve the problem. Besides the possibility to apply for funding to your bank, you can consider the idea of Inkpad loans to pensioners and civil servants.

Loans can be requested without the need to present documentation proving one particular need or a medical certificate and are addressed to all subscribers to the unified management of self-credit and social performance. The forms can be downloaded from the official site INPDAP may be returned provincial or territorial office of the Institute directly if you are retired or through its administration if you are addicted.

The amounts obtained are equal to one month’s net salary for their annual loan applications, two bi-annual concessions for two months and three months for those of three years. The amounts can be doubled if the person requesting the loan has no other deductions under way for the sale of salary. The interest rate is 4.25% which is added to the 0.5% thick of administration and lower rates of premium for risks.

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 €. Read the rest of this entry »