People with unmet needs are constantly looking for a solution to get a loan. The bank is the first entity that comes to our head because the chances of having money at home are high if their conditions are respected. It’s nice to have this idea, but what about people who are banned banking? Will they not be able to take out a new loan? It’s a long discussion when you do not have exhaustive information. But to master this area, just read this article carefully.
Bank forbidden: understand the concept
When you feel there is a lack of money in your fund, you may inevitably have unpredictable mismanagement, which creates a need for financing. Still, you have not finished paying off your previous credit. This leads you into a situation that the bank usually calls the file.
Remember that banks are linked to each other and have a database of all customers in France. A list of bad payers is available to identify anomalies encountered on repayments of a credit agreement. If these cases concern you, you may be included in two groups: the first is the FICP, which usually refers to payment arrears; and the second is the FCC, which affects people who should not have a bank card and a checkbook for one reason or another.
A banking ban
A person listed in the above lists can not get credit. This makes you a banking ban. During your first meeting with your banker, the latter will analyze your file and will necessarily check their database to see if you are clean or not. However, you should avoid being embarrassed if you want to work peacefully with the bank.
The means to acquire a consumer credit despite your situation
Many people are in debt right now. The loans are not yet finished and new needs are created in the absence of money. By analyzing the regulatory texts, there is no objection to being able to contract several credits at the same time. Nevertheless, it is the trust of the bank that is played, with a high risk of non-solvency by the customer.
However, we will guide you on what to do if you are a member of the banking ban and still want a new credit.
Allow time to clear
You can just wait up to 5 years to get off the list of people. After that, you will be able to contract a loan again by clicking here .
Lengthen the duration
You can also make an application that will spread the repayment plan over several months or even years. A grouping of credit is also possible.
Put a guarantee
This solution is to reassure the bank that you will still be able to pay. To do this, a mortgage is necessary. You will then be aware of the risks, but it is up to you to weigh the pros and the cons.
Apart from all this, you will be able to use online credit offers for amounts under 1000 euros. They are usually very short-term and are useful for temporarily troubleshooting. This is an easy credit to pick up and can serve you in critical cases .
In conclusion, you can always hope to obtain a consumer credit even if you think that your situation is no longer valid at the bank. Just find the right methods and tips to manage your liquidity.