Due to delays or a cessation of payments, a bankruptcy or other, you found yourself in an obstacle and are currently stuck at the National Bank of Belgium but you want a personal loan to upgrade. know that solutions exist. Be stuck at the NBB, how do you define it? Being stuck or being in litigation implies that you live in a soft financial situation and that you will not be able to apply for loans until they are erased.
You thought it was unrealistic to find a credit agency for anyone? be shows you the opposite with the help of its loan not closed to litigation. nYou are not mistaken, to present a arrears of payment or to be the object of a report with the file of the Central of Credits to individuals to the National Bank of Belgium, constitutes a brake to the obtaining of a new credit. However, it is not inconceivable to find a credit agency for anyone stuck. As a broker, at Télécrédit, we are authorized to offer you this type of loan, whether you have a long-term registration, or that it is current and recent. In order to offer you a new financial start, developed on healthy bases, to invest in a project for the future and provider of income, but especially to turn the page of your past worries, benefit from the redemption of the credits at the origin of your registration, and in some cases the loss of your means of payment.
When will the ban on a new credit be lifted?
You can ask yourself “How to get away from the Belgian national bank? “Or even” How to acquire a loan when one is stuck at the Belgian national bank? “Well, when you’ve settled your debts, you’ll be able to apply for a loan again or take advantage of a new credit card. After the regularization of your situation, your data will be kept for another year on the obscure listing but this will not deprive you of a new credit. A lender may, however, take this into account in estimating your loan application. If you are unable to repay your credits within the year, you will remain on the blacklist for 10 years after the date of the first non-payment. once you correct your situation, even if it is after more than a year, you can borrow again but will be listed on the black listing.It is therefore important to pay your debts as soon as possible, to be able to do clean slate and start dreaming again and realize projects.
Filed at the National Bank of Belgium, can I receive a loan? Banks and credit institutions have the legal requirement to register each of your credits with the National Bank in a file called the ‘central credits’. However, a listing at the National Bank of Belgium is called ‘negative’ when it occurs due to significant delays in one or more credit (s).These registrations are intended to protect the client against the risk of over-indebtedness. Unfortunately, a so-called ‘harmful’ file that still appears at the National Bank of Belgium means that it will not be possible, in general, to obtain a new credit. If you are registered with the National Bank of Belgium, any request for The credit operated by Proxi Finances will be analyzed differently according to the following cases: – The credit has been regularized (that is to say compensated): the registration is still a year (after the credit repayment date) at the credit center National Bank. However, in some cases, Proxi Finances will nevertheless be able to process the file and send it to its partners. – The credit has not been regularized (ie refunded) and you are OWNER: there are centralization solutions loans with mortgage registration. In certain cases, which generally depend on the outstanding amount of current loans and the current value of your property, Proxi Finances can transmit the file to its partners. Are you registered and owner? Apply for a loan in case of registration (for owners only). not
How to buy a personal loan if you are stuck at the Bank of France?
To obtain a personal credit, you must absolutely leave the file in which you live. To do this, it was not invented any other solution than to pay your debts or to wait for the deadline imposed by the law.. You can also take a micro credit. However, if you want to have a micro credit while you are listed Bank of France, it will be necessary to mount a professional project. In case you manage to leave this file FICP, you will be able to completely make your request for personal loan, the same way as other borrowers, retirees or young assets for example.Good to know: the legal duration of registration is 5 years if your registration is due to a delay in the repayment of your credits. it happens to be 10 years at most following the submission of an over-indebtedness file and 2 years during the moratorium period. If you have benefited from the partial eradication of your debts, the deadline is also 10 years. finally, it is 7 years old if you have benefited from a personal recovery procedure.
Regularization of the situation The FICP registration results from a payment incident. If the incident is resolved (ex: adjustment due to unpaid,..), the registration can be waived and credit possibilities reopened.Failing this, the registration will be maintained for a period of 5 to 10 years depending on the fact having generated the file. to obtain funds, the person will have to turn to alternatives to the banking system. Alternatives to the bancairen system Advance on inheritance: receive at the right time Donation can advise his successors when they need it. the principle of the advance on inheritance, which is useful to give a section of its patrimony, in anticipation (or not for the case of donations out of inheritance). Receiving a real estate property or a sum of money as a donation can help pay off unpaid debts and restore financial health by providing substantial funds, and free from any borrowing.