Loans on Bad Payers

Now turn to the category of loans on bad payers, starting with a simple definition of bad payers, at least as understood in the field of finance is both personal and mortgage loans. Term loans with bad payers is intendeno funding for those individuals who have made a personal history of at least one late payment rate on one or more previous loans in general. We note that the element that distinguishes so bad payer is the delay in payment of installments.

That of bad payers is sometimes a paradoxical situation: simply the failure to pay two consecutive monthly payments even modest sum (a few euros) to be included in a special database which we will discuss later. In essence, even for little is likely to become bad payers to "eyes" of banks and financial organizations. Who is then inserted between the bad payers will have difficulty in making requests for loans and mortgages. To remedy this situation, the credit market has created called precisely that segment of loans to bad payers ultimately to those borrowers who have had late payments and which are inserted into a database tick with CRIF - Central risks of credit information We shall discuss about the rules of stay data in a special section.

Before outlining the types of private loans for bad payers want to highlight an injustice in our view, all Italian. In practice, bad payers have the same treatment of protests and non-payers in general. The hardline policy pursued by our financial system does not distinguish between granting a loan for bad payer from that of a protest insolvent. E 'enough to delay any installment immediately put in order, but unfortunately the result is always the same: equal treatment of bad loans and other debts paying serious. Ironically, those who had a little delay will be treated as a large insolvent!

To confirm the above we can tell at a glance what are the funds allocated to the bad payers and through which they have access to credit despite delays and / or payments do not go well: financing bad payers by assignment fifth salary loan bad payers via delegated loan and personal loans bad payers through the loan cambializzato, which trattremo as always in the right locations. About loans on bad payers rather autonomous, we can say that rarely have credit with the single signature. Loans for bad payers will require additional independent or third-party guarantees or real ones (mortgages).