Monday, May 5, 2008

Why to get a credit, especially on a large sum, does remain heavily?

Bank clients until now are surprised, why to get a credit, especially on a large sum, remains similarly heavily, as well as before. Besides, that many of them are the clients of these finuchrezhdeniy for 5-10 years and always in time paid off a credit. Not only a client has in plenty driven with documents, to prove the decency, so get a rate the same, as all.

Certainly, for most conscientious bank clients it appears offensive – in fact it has in a great deal itself to refuse, paying a credit body and percents on him each month. And, as a result, to have the same percent on credit-side, what for a man which not going quite to pay him. That in the case of nevozvrata of money of «kidaloy» in a role of «scapegoat» an in good condition borrower will come forward actually, and quite not bank. In fact in a high interest rate, especially on consumer credits, losses are stopped up from possible nevozvratov. From other side, incomprehensible, why do not jars want to ensure itself against unrespectable clients, divided information about the clients with other jars.

Does an avidity ruin jars?

An answer is simple is an avidity and excessive carefulness of banks. They do not want to be divided the database neither on problem nor to on «good» clients. In fact, passing information about respectable borrowers in the bureau of credit histories (BKI), jars the same risk to be deprived the best the clientele. Having such database, competitors will be able it is simple to entice it more advantageous terms. At the same time, divided information about problem defaulters, finuchrezhdeniya risk to get in sign of national Bank and investors as a bank, having a large volume of problem debt.

In the total we look after extremely languid activity of banks to participating in the bureau of credit histories, which, in fact, must unite jars information about borrowers. As participating in him is voluntary, jars are very reluctantly divided the information, and queries in a bureau do not so often. Although in the agreements of jar propisyvayut at times, they say, whether a client agrees, that information about him was passed in a bureau.

However much a client can renounce to pass information. In principle, it must become reason of refuse of bank to co-operate with such client. In fact for financiers must cause suspicion that a man tries to hide from BKI some the information. But as practice shows, the employees of bank often close eyes on it, the same putting the bank under the threat of receipt of another «hanging» credit.

Question of receipt of information about solvency of applicant, actually, a jar which checks, what real incomes, is laid on service safety for a client, whether he has enough necessary property. All of it complicates work of bank, and does not bring the desired result. In fact even owning property, a client can not pay on credit-side. And expenses on beating out debts and sale of property of borrower are very khlopotnoe and dear employment. Therefore more reasonable for banks – to chop off a bad borrower yet till a credit is given out. And it is impossible without an appeal in BKI.

However while credit history of client is studied jars very superficially, as information about it until now remains closed.

BKI unite

Four national bureaus of credit histories work in a country: «International bureau of credit histories», «First allukrainian bureau of credit histories», «Ukrainian bureau of credit histories» and bureau of credit histories the «Russian standard», which unite a few ten of banks. Thus, three from them began to work at the end of before last year. For the given information on one history of BKI take 2-3 dollars of the USA.

Till recently bureaus worked separately, only co-ordinating the work. That, if a bureau did not have a borrower in the database, it could appeal to other bureau for help. However, to give information or not is was already the voluntarily decision of the last. However in March, 2008 four operating bureaus decided to unite everything the databases, to have a maximum of access to the informative resources of each other.

Actually, between all of bureaus must pass an exchange information on the basic credit products of banks. In addition, credit bureaus by law can be connected to the state databases. Therefore now bureaus work above joining of databases ministry of internal affairs, also negotiated on analogical initiative with pension a fund.

Jars become loyal'ney to BKI

Begin more active to work with BKI and jars, presumably, beginning to understand all of advantages of their work. In fact a bureau for them is not only a base of these problem borrowers but also possibility naladit' the effective skorringovuyu system. Thus, a bank both ensures itself against risks and accelerates the process of delivery of credits. And can this overcome more borrowers from a number conscientious, giving them a less percent and reducing the amount of problem clients.

However, it is the future while. In the real life of conscientious payers while wait the former terms of credits. In fact in an order to give out favourable credits «good», jars need to create the rating system on which to estimate the degree of solvency and reliability of client. And for this purpose BKI must work on everything 100%. While they work on the stage of becoming, and a population began mass to take credits only pair of years back, so that many did not yet even pay a shot for the credits (especially on a mortgage).

What does give a bureau for borrowers?

Not having well functionings databases, jars are difficult it will be to give clients a cheap product. However, financiers declare that through god-dva to the client which has bad credit history, to get credits it will be simply impossible. And that, whoever not nearly has it, to get a loan it will be very difficult. Thus jars will stimulate clients to get the good indexes of payments on credit-side. As for those, who already now has conscientious history, jars declare that soon able them to give those terms which get in their separations the holders of salary cards. «Zarplatchikam» jars give a credit by it on 1-2% below, than to other clients.

However, nobody in booklets and does not specify indulgences in the case of good credit history. Real location at a bank it is possible to conquer only in case that a client has good history in a that bank.

While jars prefer to blame on imperfection of work of bureau, costliness of their services (2-3 dollars for history) and weak database. BKI lay jars to passivity and elementary avidity in regard to the borrowers. All of it results in low filled of bases of these bureaus, and as a result.

Well, and in respect of exemplary clients which want to get a return from the discipline, by him experts while advise to be credited at a the same bank. A bank will make abatement the old and tested clients and certainly will offer more cheap and large credit.

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