Do you not qualify for a bank loan? Do you have a record in the debtors register and the bank does not want to lend you? Then there is a Mortgage loan, a loan without a register of debtors and fees that you can rely on when your bank turns your back on you. It brings a number of advantages over conventional banking products, such as consumer loans or mortgages. The biggest thing is that we do not investigate payment discipline. A negative registry entry may no longer be an obstacle to obtaining a loan.
What are registers and what are they?
The Debtor Register is a database of persons or organizations, together with their payment discipline . There are registers where only negative information is written, but also so-called positive-negative registers of debtors, where all information can be found. There are several types and types of databases, the most commonly used are:
- SOLUS – Interest association of legal entities that registers in the so-called negative register of debtors persons who do not fulfill their obligations properly and on time. Information in SOLUS is shared by lenders, both banking (banks, building societies) and non-banking institutions (mobile operators, energy suppliers).
- BRKI (Bank Register of Client Information) – Exchange information about the creditworthiness and trustworthiness of clients . It records both positive and negative information on submitted, withdrawn and processed applications for loans or, for example, on issued credit cards. Client data is kept for four years .
- NRKI (Non- banking Client Information Register) – Information in the NRKI is shared by financial non-banking institutions. These are mainly leasing companies. However, banks can also consult the register. The Registry keeps records of the client’s creditworthiness , credibility and payment discipline for a period of 4 years from the termination of the contractual relationship with the member of the Registry.
The mortgage loan is available for you with a record in the registry
Information from the register of debtors is often a very important aspect and a decisive criterion for obtaining a loan. Banks generally take into account the results of the registers. In addition, they often look at so-called internal scores , which are information about the age or residence of the client.
Need a loan without a register of online debtors? If you examining the payment discipline obstacle to obtaining conventional bank loan, it is an ideal starting point for you. This is a loan with collateral property. You can get it regardless of whether you already have a negative record.