Richiesta di finanziamento non accettata – Quali sono le cause e cosa fare?
Diventa sempre più frequente trovarsi di fronte a rifiuti di richieste di finanziamento, causa crisi economica, gli istituti di finanziamento sono sempre più “sulla difensiva”.
Nella concessione del credito, può quindi capitare di ricevere dei rifiuti anche se non si risulta nella lista dei cattivi pagatori. Quali sono le cause di questi rifiuti?
Quando si richiede un prestito, la banca controlla come prima cosa il merito creditizio del cliente per verificarne l’affidabilità consultando i database presenti nei Sistemi d’informazione creditizia (Sic).
Questi database contengono tutte le informazioni riguardanti il cliente e i suoi rapporti con banche e finanziarie. Le stesse vengono conservate per un periodo prestabilito di tempo in base alla tipologia delle informazioni e della gravità degli omessi o ritardati pagamenti.
Alcuni dei motivi per i quali i prestiti vengono rifiutati dipendono molto spesso, anche se non sempre, dall’esito di questi controlli.
Ecco i motivi principali per i quali un finanziamento può essere negato:
Reddito e situazione patrimoniale insufficienti
Se la banca ritiene che il reddito del richiedente e la sua situazione patrimoniale non siano sufficienti a garantire il rimborso del debito. Di solito, la rata del prestito non deve superare un terzo dell’introito mensile.
Situazione lavorativa precaria
Se la situazione lavorativa è precaria o si ha un contratto a tempo determinato quasi in scadenza e, quindi, mancano le condizioni che dimostrino la capacità di onorare il debito.
Cattivi pagatori
Se si è stati segnalati come cattivi pagatori negli elenchi dei Sic: ad esempio, per aver ritardato il pagamento di almeno due rate di finanziamenti ottenuti in precedenza.
Protestati
Se dai controlli negli elenchi delle centrali rischi (le Sic) si risulta protestati anche solo per non aver pagato una cambiale alla scadenza.
Finanziamenti multipli
Se si hanno altri finanziamenti in corso la banca può rifiutare il prestito per scongiurare situazioni di sovraindebitamento del cliente.
Richieste di prestito multiple
Se al momento della domanda risulta che sono state fatte altre richieste di finanziamento personale a più istituti di credito o finanziarie. Questa prassi non piace alle banche che possono ritenerla un valido motivo per rifiutare il finanziamento.
Rifiuto ricevuto nei 30 giorni precedenti
Se risulta che un prestito chiesto in precedenza sia stato rifiutato. Più in particolare, questa informazione viene conservata negli elenchi Sic per 30 giorni. Quindi, a fronte di un rifiuto ottenuto, prima di inoltrare una nuova domanda, conviene aspettare che tale informazione sia stata cancellata dai database. Inoltre è consigliabile sempre richiedere una liberatoria ad ogni finanziamento richiesto e non concesso.
Garante di cattivi pagatori
Nel caso in cui, pur essendo dei buoni pagatori, si è messa la firma in qualità di garante a favore di un finanziamento intestato a una terza persona che però non ha versato regolarmente le rate.
Mancanza di informazioni ( score creditizio )
Se non sono mai stati richiesti prestiti in precedenza e si è quindi sconosciuti ai database dei Sic. In tal caso, può succedere che il finanziamento venga rifiutato perché mancano del tutto le informazioni sul merito creditizio del cliente e la banca non è in grado di verificarne l’affidabilità.
Per legge, la banca (o la finanziaria) che ha rifiutato il prestito ha l’obbligo di informare il cliente circa i motivi del diniego, in particolare per quanto riguarda gli eventuali dati negativi presenti nei database dei Sistemi d’informazione creditizia.
COSA FARE IN CASO DI RIFIUTO?
Conoscere il motivo di un finanziamento negato ti permetterà di porre in essere le opportune azioni di “risposta”. Se per esempio il prestito ti è stato negato poiché c’è una segnalazione negativa a tuo carico, ma non invece non ti risultano ritardi nei pagamenti o protesti, puoi effettuare una richiesta Crif per scoprire chi è stato ad avanzare tale segnalazione negativa, e richiedere i conseguenti correttivi.
Se invece il finanziamento ti è stato rifiutato poiché la tua situazione lavorativa non è ritenuta idonea (contratto a tempo determinato in scadenza, ecc.), puoi agire per presentare alla banca o alla finanziaria che ti ha rifiutato il prestito eventuale documentazione che possa rassicurare sulla stabilità del tuo posto di lavoro.
Ancora, se il finanziamento ti è stato rifiutato poiché risultano in essere altre richieste in altre banche, puoi domandare agli altri istituti di credito una liberatoria del finanziamento, con la quale verrà accertato che hai deliberatamente rinunciato a tali richieste di prestito online o presso altre banche su “territorio” (l’aggiornamento in Centrale Rischi non è in tempo reale, e dunque potrebbero volerci diversi giorni affinchè nel sistema telematico appaiano tali cambiamenti di “status” nella richiesta di prestito).
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