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).
FONTE: https://www.facile.it/
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
Hello there! This article could not be written any better!
Looking through this article reminds me of my previous roommate!
He always kept talking about this. I’ll forward this
article to him. Fairly certain he will have a great read.
Many thanks for sharing!
Review my webpage – buy delta 8 thc
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with
the same comment. Is there any way you can remove me from that service?
Thanks a lot!
Have a look at my webpage – buy delta 8 thc
Hey, I think your blog might be having browser compatibility issues.
When I look at your blog in Safari, it looks fine but when opening in Internet Explorer,
it has some overlapping. I just wanted to give you a
quick heads up! Other then that, very good blog!
My site :: buy delta 8
Thanks a bunch for sharing this with all people you really
recognize what you are talking approximately!
Bookmarked. Please also seek advice from my site =).
We will have a hyperlink change arrangement among us
Look at my website – best CBD gummies
I like it when folks get together and share ideas. Great site, keep it up!
Look at my web site best delta 8 thc
Hello, I enjoy reading all of your article post. I like to write a little comment
to support you.
Here is my page … CBD gummies for anxiety
This is really interesting, You are a very skilled blogger.
I have joined your feed and look forward to seeking more of your wonderful post.
Also, I’ve shared your site in my social networks!
Feel free to visit my blog … cbd
Hi, I do believe this is an excellent site. I stumbledupon it
😉 I may revisit yet again since I book-marked it.
Money and freedom is the greatest way to change, may you be
rich and continue to help other people.
Look into my web site … where to buy CBD
I am really loving the theme/design of your weblog.
Do you ever run into any browser compatibility issues?
A couple of my blog visitors have complained about my website not operating correctly in Explorer but looks great in Safari.
Do you have any solutions to help fix this issue?
Also visit my blog – Area 52 Delta 8 THC
We absolutely love your blog and find most of your post’s to be exactly I’m looking for.
Do you offer guest writers to write content in your case?
I wouldn’t mind publishing a post or elaborating on a number
of the subjects you write regarding here. Again, awesome web log!
my site – buy delta 8 THC area 52
Definitely consider that which you stated.
Your favourite reason seemed to be at the net the simplest factor to take note of.
I say to you, I certainly get irked while people think about concerns that they plainly
do not understand about. You managed to hit the nail upon the top as neatly as outlined out the entire thing with no need side effect ,
folks could take a signal. Will probably be again to get more.
Thanks
my web-site delta 8 carts
I am regular reader, how are you everybody? This article posted at
this site is really nice.
My blog post … best delta 8 carts
My brother suggested I would possibly like this web site.
He was totally right. This post truly made my day. You can not imagine just how a lot time I
had spent for this info! Thanks!
Here is my page delta 8 area 52
Hello everyone, it’s my first pay a visit at this web site,
and paragraph is genuinely fruitful in support of me, keep up posting these types
of posts.
Feel free to surf to my page: best delta 8 thc carts
I have learn some excellent stuff here. Certainly worth bookmarking for
revisiting. I wonder how much attempt you place to create
one of these great informative web site.
my blog post online slot
Thank you for the good writeup. It in fact was a
amusement account it. Look advanced to far added agreeable from you!
By the way, how can we communicate?
Stop by my blog; delta 8 gummies (https://www.sfexaminer.com/marketplace/buy-delta-8-thc-gummies-best-companies-reviewed-2021/)
I’ll immediately take hold of your rss as I can’t to find your e-mail subscription link or e-newsletter service.
Do you’ve any? Please let me realize so that I may subscribe.
Thanks.
Have a look at my blog; delta 8 gummies
Undeniably believe that which you said. Your favorite reason appeared to
be on the web the easiest thing to be aware of. I say
to you, I definitely get irked while people think about worries that
they just don’t know about. You managed to hit the nail upon the top and defined
out the whole thing without having side effect , people could take a signal.
Will likely be back to get more. Thanks
My webpage Best Delta 8 THC Gummies
You could certainly see your expertise within the article
you write. The sector hopes for more passionate writers like you who aren’t afraid to mention how they believe.
At all times go after your heart.
My website :: delta 8 CBD (https://www.thedailyworld.com/)
Hello Every One, I am Mrs Maria From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties So i applied for a loan sum of (300,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact Mr Jeffery (Whats App) number +919394133968
patialalegitimate515@gmail.com he does not know am doing this i pray that God will bless him for the good thing he has done in my life.
Thank you, I’ve recently been looking for information approximately this topic for a
long time and yours is the best I have discovered so far. But, what concerning the bottom line?
Are you sure concerning the source?
My webpage buy Instagram followers Buzzoid (Louie)
Great post. I used to be checking constantly this blog and I am impressed!
Very useful information particularly the final part 🙂 I maintain such info much.
I used to be looking for this particular information for a long time.
Thanks and best of luck.
Visit my blog :: delta 8 THC
What a information of un-ambiguity and preserveness of valuable knowledge
about unpredicted feelings.
My webpage; Instagram likes for sale
Amazing! This blog looks exactly like my old one! It’s on a completely different topic but it has pretty much the same layout and design. Superb choice of colors!
My web blog Instagram followers
Hello to every one, for the reason that I am in fact keen of
reading this webpage’s post to be updated daily. It consists
of good data.
My webpage: best weed gummies
Howdy! I could have sworn I’ve been to this website before but after browsing through some of
the post I realized it’s new to me. Anyways,
I’m definitely delighted I found it and I’ll be book-marking and checking back often!
Have a look at my web-site :: THC Gummies
Hey! This is my first visit to your blog! We are a group of volunteers and starting a new project in a community in the same niche.
Your blog provided us valuable information to work on. You have done a marvellous job!
Here is my web site … buy weed online
Sweet blog! I found it while surfing around on Yahoo News.
Do you have any tips on how to get listed in Yahoo News?
I’ve been trying for a while but I never seem to get there!
Thank you
Here is my site; how to find weed
Spot on with this write-up, I really think this web site needs much more attention. I’ll probably be
back again to read more, thanks for the info!
my blog post … buy weed online
Useful information. Fortunate me I discovered your website accidentally,
and I am surprised why this coincidence didn’t took place earlier!
I bookmarked it.
Feel free to visit my webpage: buy tiktok followers
You need to be a part of a contest for one of the highest quality
sites online. I most certainly will highly recommend this website!
My web page … buy weed (http://www.heraldnet.com)
You actually make it seem so easy with your presentation but
I find this topic to be really something that I think I would
never understand. It seems too complicated and very broad for me.
I’m looking forward for your next post, I’ll try to get
the hang of it!
My homepage; where to find weed
Its such as you read my thoughts! You seem to know a lot approximately this, like you wrote the e-book in it or
something. I believe that you can do with a few % to drive the message home a little bit, but other than that,
that is great blog. A great read. I’ll certainly be back.
Дом Gucci смотреть онлайн
космический джем новое поколение на русском
смотреть мультфильм бесплатно в хорошем качестве душа
смотреть фильмы онлайн бесплатно
Медиатор 6 серия смотреть онлайн 2 сезон
Новенький 2 сезон 5 серия
сериал Чики
link
здесь
После глава 3
Клятва лiкаря
После глава 3
Форсаж 9 смотреть без смс
Пацанки
Психолог Маринченко
смотреть сериал чернобыль бесплатно в хорошем
Метод Берта Хеллингера. Организационные расстановки Организационные расстановки.
Организационные расстановки.
Системно-феноменологическая
психотерапия. Системно-феноменологический подход.
Метод Берта Хеллингера.
sparda bank, yahoo login американская история ужасов выход серий
slither io, warcraftlogs
google calendar, telegram web американская история ужасов 5 grammarly, kn online
шоу в истории ТНТ «Битва экстрасенсов» битва экстрасенсов онлайн бесплатно битва экстрасенсов смотреть онлайн бесплатно
Пацанки 3 серия 6 сезон
Вы можете смотреть Фильмы совершенно бесплатно фильм дюна бесплатно в хорошем качестве список лучших фильмов в хорошем качестве.
Фильмы из кинотеатра легально
Игра в кальмара 1 серия смотреть онлайн все фильмы мирового проката 2021 года
Yesterday, while I was at work, my sister stole my apple ipad and tested to see if it can survive a 25 foot drop, just so she can be
a youtube sensation. My apple ipad is now destroyed and she has 83 views.
I know this is totally off topic but I had to share it with someone!
Here is my page maeng Da kratom
What’s up, I read your new stuff regularly. Your story-telling style is witty,
keep doing what you’re doing!
Feel free to surf to my blog post cbd gummies legal in nj
Hello There. I found your blog using msn. This is an extremely well
written article. I will make sure to bookmark it and come back to read more of your useful info.
Thanks for the post. I will certainly return.
My website – best cbd Capsules for pain,
Найкращі фільми 2021 Вечные
Дивитися популярні фільми 2021-2021 року Небо 2021
Найкращі українські фільми 2021 року Охотники за привидениями смотреть онлайн
Найкращі фільми 2021 Хэллоуин убивает
Найкращі українські фільми 2021 року
Ледяной демон смотреть онлайн
Дивитися фільми онлайн в HD якості українською
мовою Аркейн смотреть онлайн
5463
Дивитися фільми онлайн в HD якості українською мовою
1179
Дивитися популярні фільми 2021-2021 року 4360
Are you in need of Loan? Here all problem regarding Loans is solve between a short period of time what are you waiting for apply now and solve your problem or start a business with funds Contact us now. many more 2% interest rate.(Whats App) number +919394133968 patialalegitimate515@gmail.com
Mr Sorina
you can find out more
yutube
Человек-паук Через вселенные
Watch the best Xvideos com videos, free movies, mobile xvideos, and
download for on this tube https://t.me/xvideos_xvideo
Watch the best Xvideos com videos, free movies, mobile xvideos, and download for on this tube https://t.me/xvideos_xvideo
Ciao stai cercando un prestito di consolidamento del debito, prestiti non garantiti, prestiti alle imprese, mutui, prestiti auto, prestiti agli studenti, prestiti personali, capitale di rischio, ecc! Sono un prestatore privato, fornisco prestiti ad aziende e privati con tassi di interesse bassi e ragionevoli del 2%. Email a: christywalton355@gmail.com
Список всех старых фильмов, фильмография..
Открыто смотреть онлайн в хорошем качестве бесплатно фильмы.
Смотреть фильм онлайн в хорошем качестве HD – приятного просмотра.
Смотреть кино онлайн бесплатно в хорошем качестве..
Хотя разные фильмы.
Смотреть онлайн · Актеры · Отзывы
Бесплатное видео для мобильных телефонов
и коммуникаторов.. Кино тор любовь и гром фильм 2021 2022.
Фильм смотрите бесплатно на Filmix.
Russia-Ukraine Conflict
site
Good day. Quick loans Service available here. I am a private loan lender that gives out both business and personal loans to individual at a low interest rate of 2% no matter your location. If you are interested Contact me (Whats App) number:+917310847059 sumitihomelend@gmail.com Mr. Sumiti