Ottenere un Finanziamento o un Mutuo in Banca

Categorie: Finanziamenti

Per poter ottenere un finanziamento o un mutuo, la banca ci fa richiesta di alcune garanzie personali e non soltanto di credenziali economiche. In gergo tecnico vengono definite ai???merito creditizioai??? e rappresentano quelle garanzie che gli istituti di credito domandano per poter essere certi della solvibilitAi?? del richiedente. Il primo parametro preso in considerazione A? lai??i??essere titolari di una pensione o di uno stipendio fisso: nonostante, spesso, i redditi non siano elevati sono sicuri e di conseguenza, agli occhi di una banca, si guadagnano punti rispetto, ad esempio, ad un lavoratore autonomo che non puA? fare affidamento su un reddito costante ogni mese. Un merito creditizio elevato A? considerato anche il possedere altre proprietAi?? immobiliari, sulle quali eventualmente la banca possa rivalersi in caso dai??i??insolvenza.



Chi non gode affatto di merito creditizio sono, invece, i protestati, per esempio di una cambiale oppure di un assegno; i cattivi pagatori, con posizioni di sofferenza finanziaria; i morosi, che hanno ritardato nel pagamento di una o piA? rate; coloro che hanno subito sentenze di fallimento; coloro ai quali A? stato imposto un pignoramento dei beni per il risarcimento dei debiti contratti.

Il merito creditizio di basa sul rating bancario, una scala di valori che tiene conto di tanti vari parametri, considerati nella loro interezza, parte dei quali abbiamo giAi?? avuto modo di vederli elencati: puntualitAi?? nei pagamenti piuttosto che morositAi??, azioni di pignoramento, protesti eventualmente giAi?? subiti.

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