They are molts els motius that can see that a name appeared in a list of morositat. Appearance of a list of delinquencies is the most common form of what is thought and there are different lists of delinquencies , such as ASNEF, RAI or CIRBE. Per això, in this article I am willing to talk about the financers that accept ASNEF.
The most common motive for the inclusion of a company or person in a delinquency list is for the payment of some sub-administration, such as the electricity, the water, the gas or the telephone. Also due to the payment of some other loan or mortgage.
One of the most important inconveniences for being in a delinquency list, but I will not say which one, is that it creates many difficulties and inconveniences for having financial problems. Due to being realistic, the possibilities of acceding to a bank loan in a list of delinquencies are null. To begin with, the bank entitlements will deny any request for financing if it is on a list of delinquency, it is necessary to have the import of the debt or to review the cause. It is considered that being in a delinquency list implies a high risk of payment of the loan or mortgage and it is an eina d'anàlisi that the banks use to stop the defaults that they may have.
Per sort, face that the banks rebutgin the clients who are in default, there are financers who accept ASNEF to facilitate an alternative financing to the bank for companies and individuals. Financial claims that accept ASNEF are private equity financers and that carry out a financing through real estate guarantee loans .
What is ASNEF?
The acronyms mean the Associació Nacional d'Establiments Financers de Crèdit . In this list it is registered all the information related to the defaults that have been made to bank entitlements, or, to supplying companies. It is the list of most important and well-known morositat, facing that it has more, as per exemple the RAI (Registry of Unpaid Acceptance) or the CIRBE (Central d'Informació de Riscos).
For traditional financial entitlements, consult these lists to approve a loan or mortgage and, if it is the case of a company or individual that is included in the list, the request for a loan is denied.
However, when any company or person is included in these lists, the banks cannot consider as financers who accept ASNEF and they have to look for alternatives. The ideal alternative to banking is private financing with your loans with real estate guarantees .
How to know if s'està l'ASNEF?
Appearance to a delinquency registry is not an instantaneous process and it is the most common one of the one that is creu. Segons protecció Dades, per aparèixer in some llistat of morositat, the deute has to dye a antiguitat of Minim, quatre mesos. Month to month, it is mandatory to inform the individual or company that they have been included in a list of risks within 30 days .
Qualsevol person can verify if it is part of any list of delinquency. The easiest month is to file a request at the time of requesting the bank financing because it is an information that the banks look at obligatorily and it will be provided quickly. But, if you need abans, you can advise it through the seva web page http://www.asnef.com/ .
Financiers who accept ASNEF do not need this information, it is not necessary.
For disappearance of the students, there are two options :
- Pay the deute pendent.
- Oppose the seva publicació per motius reals.
The quickest procedure is to pay the debt and, once paid, the name will be eliminated from the list of arrears in a term of approximately one month.
Advise financing to financers who accept ASNEF
At the time when a company or person is associated with ASNEF or a qualifying entity in arrears due to a default, the banks will deposit the financial charges.
But I will not say that advising finançament is not totally impossible because there are alternatives with private financing . They are financial regulators and make sure that they offer financing to clients who are following the ASNEF or qualify for the defaults mentioned above. Tanmateix, it will always be necessary to present a real estate guarantee that guarantees the financing operation.
The loans with the mortgage guarantee are indispensable, the vegades l'unica option, when it is necessary financing, in urgent occasions, and is registered in a registry of delinquency. In general, those loans of real estate guarantee are more suitable for bureaucracy than a bank loan and of greater flexibility, because it is possible to agree on a repayment in both terms.
These financials are also able to buy all the debts and totes of the obligations that are unpaid, to help sort out those who are ready to solve a bad financial situation that has led to this situation. One exemple are served as the reunification of debts or subrogations of mortgages, for two exemples.
Financial conditions that accept ASNEF
Private equity financers, who are financers who accept ASNEF , have the normal mateixes for all clients, as many countries that are at ASNEF as they are not. There are only two requirements:
- Dispose of a real estate guarantee lliure de càrregues, followed by a family member or a friend.
- Be major d'edat.
These entitats of capital privatized each case one person, student l'immoble avalat, the terminis of return and analysis of the viability of the operation.
Private capital financers do not analyze the incompliments of payments and the risk, they analyze the company in general and the financial services / current economy. This procedure is essential because all parts are guaranteed in the correct development of the loan.