The credits with ASNEF are the best alternative financing that people who appear in any list of defaulters have. The reality is that traditional lenders deny any type of financing to those who appear in these registries. However, this is not always an indication that the person can not cope with their debts.
Does actually appearing in ASNEF define my ability to pay a loan?
Although at first it may seem that by being enrolled in a list of defaulters the person in question does not have the profile to obtain a financing instrument, this does not have to be the case. Something we must be clear about is that many times debts are not paid because injustices are committed.
A common practice of some companies is to register those who do not pay an invoice or a fee in this file, despite the fact that the client puts a claim for any reason. Certainly, when we start to analyze the reasons why someone may appear in these records, we realize that they do not always denote irresponsibility in the fulfillment of financial obligations.
For example, if you receive a too high electricity bill and the consumption records do not correspond to the ones you have made, you could be registered in this file if you refuse to pay the invoice. In this way, regardless of whether you present a claim for the company to study what could have happened, if you do not face the bill that they demand, you will receive the notice that you will be included in these lists.
Therefore, the answer is “no”. And is that appearing in a file of defaulters does not always mean not being able to meet financial obligations.
Why are there companies that do offer loans with ASNEF?
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This reasoning that we have exposed in the previous section has been understood and adopted by many credit institutions that are managed in the Internet environment. Therefore, more and more companies that do not deny financing simply because they appear in one of these files. However, they will require certain requirements and conditions.
Requirements to request credits with ASNEF
In this case, they are somewhat stricter than those required for other types of financing. This is mainly due to the risk of offering financing to someone who has already left unpaid debts. Therefore, you will have to pay attention to them and try to comply with them before making the request. These requirements are:
- Have a valid identity document: it does not matter if it is a NIE or ID, but it must be in force at the time of the request.
- Have a tax residence in Spain: if you reside outside, the company will not be able to offer you any type of financing.
- Having a bank account in your name will be where you will receive the money and where, later, the entity will charge you the credit installments.
- That the debt you have contracted is not with another financial institution: if you have debts with another entity they will not accept you a new financing.
- Be of legal age: otherwise, you could not recognize a debt in your name.
- Have a mobile phone line and email: these two will be the means through which they will contact you.
- Have regular income: they will demand a minimum income before offering you a financing. This is because if the entity believes that you will not be able to meet the payment, it will not grant you the financing.
When can you request a loan with ASNEF?
Certainly, there are many situations of urgency (and not so much urgency) in which this type of financing can be of great help. For example, if you want to make your home a more efficient home to reduce the expense of the supplies you have every month, this type of financial product could be very useful.
Obviously, you will have to find a loan with ASNEF that suits your needs, since not all of them have the same characteristics. Some companies offer 1,000 euros maximum, while others raise the ceiling to 5,000 and there are no more than 300 or 500 euros. Therefore, if you want to make such a drastic change in your home you should study the money you need to know how much you need to ask.
There are also other situations in which this financial tool can get you out of a hurry. For example, if you have a breakdown in your vehicle or in your home and you have to repair it as soon as possible or you get a bill too large that you can not cope with.
The importance of comparing different loans with ASNEF
As we mentioned above, not all these products have the same characteristics. In fact, they can vary a lot depending on the company in which you hire them. Therefore, it is very important that you compare and look for the offer that best suits your possibilities and needs.
The first thing that you will have to observe are the maximum quantities. If they are too high or too low, they may not be your best option. It is also important that you pay attention to the interest rate, since some companies apply higher rates than others. This can significantly increase the price of money back; for this reason, you should pay attention to it.
Another feature that you must take into account is the return period. While it is true that they usually have fairly short repayment terms, some credit companies offer more margin.
And finally, keep in mind the speed of management. Everything depends on whether you really have an emergency or have time to manage everything related to the credit you need. The speed of processing you will have to pay, so if it is not a priority for you, consider contracting the loan with a company not as immediate action.
In short, if you want to make your home more efficient and save long-term in the payment of your bills, do not hesitate to use our tool to compare the different loans with ASNEF from the market.