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Kred\u012bta pieteik\u0161ana tie\u0161saist\u0113: solis pa solim ce\u013cvedis

V\u0113l pirms da\u017eiem gadiem kred\u012bta noform\u0113\u0161ana noz\u012bm\u0113ja rindu bankas fili\u0101l\u0113 un kaudzi pap\u012bru. \u0160odien liel\u0101ko da\u013cu no \u0161\u012b procesa var izdar\u012bt no d\u012bv\u0101na \u2014 no pieteikuma aizpild\u012b\u0161anas l\u012bdz l\u012bguma parakst\u012b\u0161anai. Tom\u0113r tie\u0161i t\u0101p\u0113c, ka viss notiek \u0101tri, viegli ir kaut ko palaist gar\u0101m. \u0160aj\u0101 rakst\u0101 apkopojam, kas tie\u0161saistes kred\u012bta proces\u0101 notiek katr\u0101 sol\u012b un uz ko piev\u0113rst uzman\u012bbu.

1. Pieteikuma aizpild\u012b\u0161ana neko neapsola

Pirmais solis parasti ir \u012bsa anketa: cik naudas nepiecie\u0161ams, uz cik ilgu laiku un k\u0101dam m\u0113r\u0137im. Svar\u012bgi saprast \u2014 pats pieteikums nav saisto\u0161s. Tu vari aizpild\u012bt to, apskat\u012bties pied\u0101v\u0101jumu un tad izlemt nepieteikties t\u0101l\u0101k. Tas ar\u012b nek\u0101di neietekm\u0113 tavu kred\u012btv\u0113sturi, ja neesi apstiprin\u0101jis un parakst\u012bjis l\u012bgumu.

2. Kas notiek \"aizkulis\u0113s\" p\u0113c pieteikuma nos\u016bt\u012b\u0161anas

Kad anketa iesniegta, s\u0101kas automatiz\u0113ts izv\u0113rt\u0113jums. Aizdev\u0113js apkopo inform\u0101ciju par:

eso\u0161aj\u0101m kred\u012btsaist\u012bb\u0101m un to apkalpo\u0161anas v\u0113sturi;
ien\u0101kumu regularit\u0101ti un apm\u0113ru;
nodarbin\u0101t\u012bbas stabilit\u0101ti;
visp\u0101r\u0113jo finan\u0161u slogu attiec\u012bb\u0101 pret ien\u0101kumiem.

Liel\u0101kajai da\u013cai aizdev\u0113ju \u0161is process aiz\u0146em sekundes l\u012bdz min\u016btes, jo dati tiek ieg\u016bti autom\u0101tiski no pieejam\u0101m datub\u0101z\u0113m, nevis piepras\u012bti no klienta rokas.

3. K\u0101p\u0113c da\u017ereiz tom\u0113r l\u016bdz papildu dokumentus

Vairum\u0101 gad\u012bjumu nekas papildu nav nepiecie\u0161ams. Ta\u010du da\u017e\u0101s situ\u0101cij\u0101s aizdev\u0113js var l\u016bgt:

bankas konta izrakstu,
darba l\u012bgumu vai ien\u0101kumu apliecin\u0101jumu,
inform\u0101ciju par darba dev\u0113ju.

Tas parasti attiecas uz gad\u012bjumiem, kad ien\u0101kumi nav standarta \u2014 piem\u0113ram, str\u0101d\u0101 \u0101rzem\u0113s, esi pa\u0161nodarbin\u0101ta persona vai ien\u0101kumi sv\u0101rst\u0101s no m\u0113ne\u0161a uz m\u0113nesi. \u0160ajos gad\u012bjumos autom\u0101tiskie dati vien nesniedz pietiekami skaidru priek\u0161statu, un cilv\u0113ka p\u0101rbaude pal\u012bdz pie\u0146emt god\u012bg\u0101ku l\u0113mumu.

4. K\u0101 sal\u012bdzin\u0101t pied\u0101v\u0101jumus, nevis tikai procentu likmi

Kad izv\u0113rt\u0113jums pabeigts, sa\u0146emsi individu\u0101lu pied\u0101v\u0101jumu \u2014 summu, likmi, termi\u0146u un ikm\u0113ne\u0161a maks\u0101jumu. Rekl\u0101m\u0101s redzam\u0101 \"likme no X%\" bie\u017ei attiecas tikai uz da\u013cu klientu, t\u0101p\u0113c re\u0101lais pied\u0101v\u0101jums var at\u0161\u0137irties. Sal\u012bdzinot vair\u0101kus pied\u0101v\u0101jumus, der skat\u012bties nevis tikai uz procentu likmi, bet uz:

kop\u0113jo atmaks\u0101jamo summu,
vai ir l\u012bguma noform\u0113\u0161anas vai apkalpo\u0161anas maksa,
vai iesp\u0113jama pirmstermi\u0146a atmaksa bez soda naudas.

5. Ja pieteikums tiek noraid\u012bts

Noraid\u012bjums pie viena aizdev\u0113ja nenoz\u012bm\u0113, ka finans\u0113jums nav pieejams nekur. Katram aizdev\u0113jam ir sava riska politika, t\u0101p\u0113c krit\u0113riji at\u0161\u0137iras. Bie\u017e\u0101kie noraid\u012bjuma iemesli:

p\u0101r\u0101k augsta eso\u0161\u0101 kred\u012btsaist\u012bbu slodze,
nestabili vai gr\u016bti pier\u0101d\u0101mi ien\u0101kumi,
negat\u012bva kred\u012btv\u0113sture,
nepiln\u012bgi vai neprec\u012bzi nor\u0101d\u012bti dati pieteikum\u0101.

Bie\u017ei vien situ\u0101ciju uzlabo maz\u0101kas summas piepras\u012b\u0161ana vai papildu dokumentu iesnieg\u0161ana p\u0113c piepras\u012bjuma \u2014 nevis tas pats pieteikums atk\u0101rtoti nos\u016bt\u012bts bez izmai\u0146\u0101m.

6. L\u012bguma parakst\u012b\u0161ana un naudas sa\u0146em\u0161ana

Ja pied\u0101v\u0101jums der, l\u012bgumu parasti paraksta att\u0101lin\u0101ti \u2014 izmantojot internetbanku vai eParakstu. Pirms apstiprin\u0101\u0161anas ir v\u0113rts v\u0113lreiz izlas\u012bt galvenos nosac\u012bjumus: summu, termi\u0146u, ikm\u0113ne\u0161a maks\u0101jumu un to, vai ir k\u0101das papildu izmaksas. P\u0113c parakst\u012b\u0161anas nauda tiek p\u0101rskait\u012bta uz nor\u0101d\u012bto kontu \u2014 bie\u017ei vien tas notiek taj\u0101 pa\u0161\u0101 dien\u0101.

7. Cik ilgs laiks nepiecie\u0161ams visam procesam

Orient\u0113jo\u0161i:

pieteikuma aizpild\u012b\u0161ana \u2014 da\u017eas min\u016btes;
s\u0101kotn\u0113jais l\u0113mums \u2014 no da\u017e\u0101m min\u016bt\u0113m l\u012bdz da\u017e\u0101m stund\u0101m;
ar papildu dokumentiem \u2014 atkar\u012bgs no t\u0101, cik \u0101tri tos var iesniegt;
naudas ieskait\u012b\u0161ana \u2014 parasti taj\u0101 pa\u0161\u0101 vai n\u0101kamaj\u0101 darba dien\u0101.

Nosl\u0113gum\u0101

Tie\u0161saistes kred\u012bts nav ne sare\u017e\u0123\u012bt\u0101ks, ne riskant\u0101ks par kl\u0101tienes procesu \u2014 tas vienk\u0101r\u0161i ir \u0101tr\u0101ks un \u0113rt\u0101ks. Svar\u012bg\u0101kais ir tas pats, kas vienm\u0113r: pirms paraksta sal\u012bdzin\u0101t vair\u0101kus pied\u0101v\u0101jumus, izlas\u012bt nosac\u012bjumus un aiz\u0146emties tik, cik re\u0101li vari \u0113rti atmaks\u0101t.

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Kredīta pieteikšana tiešsaistē: solis pa solim ceļvedis