And here are some questions about loans. Which bank loan, where is the cheapest and which bank has the best offer. The credit search engine for mortgage loans and mortgages is a search and estimation of loan installments.

In order to select the best bank, it will be necessary to compare loans and credits before deciding to choose a specific source of financing. Creditworthiness and creditworthiness are also important, as they determine the parameters of the loan that we obtain in the bank.

Financing Credits

When calculating your creditworthiness, it is not worth using calculators to calculate your creditworthiness – you will not know the truth. If you want to know what your creditworthiness is, it is necessary to contact one of the banks. The bank’s search engine allows you to choose a bank, loan or loan and contact online with a bank advisor.

When assessing creditworthiness, such factors as: income, age of the borrower and place of employment are taken. But these are not, of course, the only ones.

What else is taken while calculating your creditworthiness?

The work is connected with the work experience as well as the type of employment contract. The best solution is of course a long internship and an indefinite contract. A fixed-term contract may also be perceived “neutrally” in the case of loan repayment during its term.

Where we live, in a big or small city, in the countryside is important because of the cost of living.

Your education is another factor taken into account when assessing your ability. People with higher education are better perceived by a bank than a person with secondary education. Practice, however, shows that it does not always translate into knowledge of the elementary principles of economics.

Who has more chances for a loan: single or marriage ? Married persons are better perceived by banks, and therefore better assessed, due to the stabilization achieved. Additionally, when applying for a loan with a spouse, we obtain a higher creditworthiness.

In turn, children and dependents are a reduction in creditworthiness. The more dependent people, the lower the creditworthiness.

For the bank it is very good news if you have movable property (note: cars, banks can treat as a cost), real estate (house, flat, plot), bank account, stocks or savings. In case of what will have to recover from the required debt.

Credit credibility in BIK

When applying for a loan, the bank will definitely check our credit history at BIK, but also, especially in the case of cash loans and cash loans, the number of inquiries about these products. Therefore, one should not contact a large number of banks on loans and credits in the short term.

Other obligations are also included in the costs and in this case it does not matter that you regulate them on a regular basis. Credits, loans, account limits, credit cards (even if you do not use them) are a burden and reduce your creditworthiness. In the case of credit cards and debits in your account, trying to for example a housing loan, it is best to pay off and liquidate. In the case of several bank loans and loans, consolidate with a consolidation loan.

Non-banking loan and creditworthiness

And do non-bank loans affect our creditworthiness? If the loan company cooperates with BIK, the bank will learn about our repaid and unpaid liabilities in this respect. It is not the best way to use this type of financing, and to rely on the erroneous assumption that with the help of payday loans, you can create a positive credit history.