bob Finance takes its responsibilities to protect its customers against over-indebtedness. This is why we analyze your request in real time with the credit organizations CRIF and ZEK. We thus ensure that you meet the conditions for payment by monthly installments over an extended period.
Learn more about creditworthiness.
Simplicity, speed and seriousness.
Why is credit worthiness important when it comes to credit?
Several conditions must be met to obtain credit. You must have a regular income to ensure repayment of the loan but also, and above all, good creditworthiness. Solvency reflects your ability to take out credit. Have you recently encountered payment problems? Have you received any reminders? All of this is taken into account in the credit check, as are interruptions and payment defaults when repaying a loan.
The state, businesses and individuals are all monitored and evaluated.
Que vous ayez besoin d’un crédit à la consommation, d’un financement auto ou d’un emprunt hypothécaire pour financer votre habitation, vous êtes traités de la même façon que les entreprises et l’État, qui empruntent des fonds étrangers sur le marché des capitaux. Toutefois, leur capacité de contracter un crédit est évaluée par des agences de notation internationales telles que S&P, Moody’s et Fitch. Dans le cadre des crédits privés, les institutions financières concernées évaluent les demandeurs.
Most of the time, the assessment takes into account data from the Association for the Management of a Credit Information Center (ZEK) and the Consumer Credit Information Center (IKO). Data is often also requested from private credit agencies. As a general rule: the better your creditworthiness data, the easier it is for you as an individual to obtain credit. And the better your conditions will be.
Be careful when applying to multiple banks.
Lorsque vous demandez une offre de crédit à un prestataire financier, il signale toujours votre requête à la ZEK. Les renseignements de solvabilité de la ZEK incluent toutes les demandes que vous avez adressées récemment à des banques et à d’autres organismes de prêts. La prudence est donc de mise: si vous demandez plusieurs offres auprès de différentes banques à des fins de comparaison, vous pouvez donner l’impression d’avoir déjà été rejeté par certains concurrents.
Therefore, do not ask for a concrete offer from the start. Only ask about current credit conditions. To find out about interest rates, terms and other conditions, you can also use the websites of credit institutions. Or simply use the bob Finance credit calculator.
A tip to improve your creditworthiness: prepare well in advance.
Everyone forgets to pay a bill on time and receives a reminder. If this is an isolated case, it doesn't matter. But if these incidents multiply, you may encounter difficulties one or two years later, when applying for credit. Whether you apply for a microcredit or want to finance the construction of a house, the mechanisms that influence and determine the granting of credit are always the same.
Even if you don't need a construction loan today, because you will only have to finance your home in a few years, you can already do a lot to ensure a positive credit profile. Avoid:
- l’accumulation de crédits.
- unpaid bills.
- irregular credit repayments.
- an excessive number of credit cards.
