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 jamesflick |
  18.04.2021 16:02
Are you thinking of buying your first home? Perhaps it is an immediate delivery department and you want to access a mortgage loan to pay it in comfortable monthly installments. Well, for a bank to finance the purchase of your property more easily, you need to have a good credit history. strives to be Pakistan's biggest real estate developer ever, guaranteeing the highest international standards, prompt execution, and lifetime customer loyalty. With projects like . You've no doubt heard of that term, but do you know how to check your credit history ? Do you know the different rating categories in the financial system? Don't worry, we can solve all those doubts. What is credit history? This is the report that records your payment behavior over time. Usually people take on debt. All those details are recorded. Now, maybe you think that only the obligations contracted with financial entities (banks, savings banks and finance companies) are detailed; however, the track record covers more terrain than you might think. This registry also includes the punctuality with which you pay commercial companies (department stores) and public service companies (electricity, water, internet, telephone). Based on the history of your payment behavior, a credit score is generated. What is its importance? Let's imagine that you want to acquire an apartment. As there is not always enough money to cancel the purchase of a property in a single payment, the most common thing is to approach a bank and request a mortgage loan to purchase a home. The first thing the bank you go to will do is check your credit history . After all, you would not want to lend money to a person who often does not meet their financial obligations on time. If you do not have a good qualification, it is most likely that they will not grant you the financing and you will not be able to acquire your apartment. That is the importance of having a good track record and constantly reviewing it. In addition, having a good credit record gives you the possibility of accessing more accessible interest rates , which is practically impossible when you have unpaid debts. How to check your credit history? The best way to check your credit record for free is through a public risk center such as the Superintendency of Banking and Insurance (SBS) . In this way, you will know if you have outstanding debts within the financial system. There are two methods to do it. The first is to personally approach the SBS offices, fill out a form and check the history. However, nowadays you can also do the same process online. The SBS has a page through which you can check your debt report for free . The procedure is super simple and works throughout Peru. In addition, it is possible to review the information as many times as you see fit. All you have to do is complete the following personal information:
Customer rating in the financial system Financial entities will rate you according to five categories. Each of these gives you a different reputation. It works as follows: 1.- On time At this level are located people who comply with consumer credit that they access with a maximum delay of 8 days. On the other hand, when it comes to mortgage financing, a maximum delay of 30 days is tolerated. 2.- Potential problems In this category are the people who comply with the consumer credit that they access with a delay of between 9 to 30 days. In the case of a mortgage financing, the delay is between 31 to 60 days. 3.- Deficient From this point on, the outlook is negative. In the case of consumer credit, the delay is between 31 and 60 days. In mortgage financing, the period is between 61 and 120 days late. 4.- Doubtful The fourth level comprises lag periods of between 61 and 120 days for consumer loans. In mortgage financing, the delay can be between 121 to 365 days. 5.- Loss This is the last category, which gives you the lowest mark. For consumer credit, the delay is 120 days or more and, in the case of mortgage financing, the delay is greater than 365 days. Great! Now you know how to check your credit record quickly, easily and for free. Be applied with your payments, maintain a good profile in the financial system and you will not have many problems accessing mortgage financing. In Nexo Inmobiliario you can find the main real estate agencies in the country and their various projects. Are you looking for the ideal apartment, house, lot or office? Enter our official page and find your dream property just one click away. Resources: |
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