Credit without income certificate
the battle for clients, banks have increasingly started to issue loans without proof of income. According to the Deputy Chairman of the Board. UkrSibbank Taras Kirichenko, 70% of such loans are offered to those who have this or that part of the income is not «exposed» officially. Assessment of the head of Department of active operations retail Bank «Finance and Credit» Vitaly Sestuna, the share of loans in Ukraine, which are issued without formal income statement, is 90%.
Bankers attribute this to the specifics of the Ukrainian market. «In Kiev, most customers have already switched to the official salary. But in the regions nominal incomes remain very low,» says the Advisor center consumer credit Bank «Nadra» Oksana Romanov. «Now very few clients who have no income statement. Often there are cases when the certificate stated the minimum wage. However, such borrowers already have the car and the apartment,» she notes.
Trust a small amount
Initially, the banks turned a blind eye to too low official salaries, clients, and now they have ceased to demand the income statement. Now consumer credit up to $3 thousand can be obtained directly from the store, with Bank employees only passport and identification code.
to check the reliability of the borrower, he will be asked to complete the questionnaire. In some banks without the help of formal income can get a loan in excess of $3 thousand But in this case for decision, the financial institution will take a few days. His staff will call the company where you work, to check the level of wages specified in the questionnaire. The security service of the Bank will analyze your credit history and the presence of outstanding loans.
«Black list» of banks
In informal conversations bankers recognized that a reliable system for evaluating the borrower still does not exist. Therefore, the mechanism for determining the solvency of the client is the know-how of each financial institution. «??C the borrower’s passport we get information about it and analyze its credit history. We have a huge internal database», — says the head of the Department of consumer lending Privat novel nigynsky. So, according to him, the financial institution will not give credit, if the potential client is in the «black» list of banks or not paid on previous loans.
credit expert enough ways to check your creditworthiness. «Money can’t go nowhere. The client earns and, therefore, spends. The presence of the borrower’s real estate, car, Bank accounts and even stamp in the passport of the tourist travel is confirming its solvency,» says Romanov.
«For those who deceives pay those who honestly repays the loan, » says nigynsky. — The more complex the procedure of the loan, the more documents provided by the client, the more we are able to analyze risks and to offer a lower interest rate. Because we understand that the risk we have in this case the minimum». He notes that even if the rate does not change, banks increase its value due to commissions and fees. «As a rule, banks do not disclose the effective interest rate. Why scare customers?» he says.
Author — Ruslan PESOTSKAYA
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[ Published on the website 29.06.2006 sections: All the news. Consumer lending 20,546 Views ]
article Summary: In the struggle for clients, banks have increasingly started to issue loans without proof of income. According to the Deputy Chairman of the Board. UkrSibbank … loan without proof of income in Ukraine