Loans without assignment of the fifth for the self-employed
NB: you will often read being reported crif, however, the strategies practicable by those who had this type of reporting (Crif) are also extended to other entries in databases. In fact, the C.RI.F. (code C enteral Ri plateful F inancial), is one of the key risks to which they may be registered or there are other databases that although they have a different name, cause the same problems: difficulties in accessing credit. Let’s mention them briefly: CTC (Credit Protection Consortium), Experian, Cerved and AssiLea (bad loans in the leasing sector). Well, we repeat, any solution that can be proposed for the reported CIFIs will be fine for providing loans to those reported in a database other than the Crif.
The phrase no assignment is that of self-employed workers
Loans to reported in crif without assignment of the fifth: the first category of suffering subjects that comes to mind when we mention the phrase no assignment is that of self-employed workers. Without doubt it is so or at least it is in most cases. However, most do not mean everyone, that is, by this we mean that some solutions, in the end, can also be experienced by those who could (but cannot or do not want) to use the assignment: it is the hypothesis in which, for various reasons, it is not possible to invoke the assignment, because for example it is committed due to other financing or because a garnishment is imposed on it.
In all these cases, even those who cannot assign the fifth (or double) may, given assumptions, attempting the alternatives usually invoked by self-employed workers and known as loans reported with or without assignment of the fifth, which is the same thing. Let’s see these solutions.
Loans reported crif no transfer: before indicating some solutions, for the sake of completeness, let us mention a type of financing known with the nomenclature of loans reported in crif harmony project. We are talking about a portal to which some credit institutions (mainly financial) adhered (cited in the past) and which financed those who had been reported in Crif, however, the Armonia Project was a financial service intended exclusively for employees and pensioners, therefore not for workers autonomous. That said, let’s move on to the alternatives that a Crif reported subject has.
Loans reported with CIFIs without assignment for self-employed persons: we are talking about at least three groups or three different types of loans which can be used by those who have undergone a report to Crif or to another database and which can also contribute to each other.
The first solution since that of the third guarantor
A) Loan reported as crif with guarantor: we put it as the first solution since that of the third guarantor, a natural person, represents a valid alternative to bypass the report in the crif risk center. B) Other forms of guarantees: these, depending on the object, divide into: B1) mortgages: well, the reported person can give any guarantee as collateral on which mortgage registration is admitted, e.g. houses, land, vehicles (motorcycles or cars), machinery etc.;
B2) assets to be pledged: concerns anything that has an appreciable economic value such as for example. precious items, furniture, ancient artefacts, household appliances and electronics products etc. NB: the assumptions of guarantees described in B1 and B2 (not the letter A), usually, guarantee the third alternative: C) loans exchanged and reported in crif: in addition to the aforementioned guarantees (those mentioned in B), the issue of bills of exchange is facilitated by the presence of a life insurance policy which is usually a product underwritten by self-employed workers. Lastly, to those interested in the promissory note, we will indicate a series of institutes, divided by category, which propose them in the current 2020, as well as an article on the attention to be paid if it is addressed to private individuals.