Check credit history online Belarus. Are you a reliable customer, or how can you find out your credit history for free
As you know, all data on the borrower and those who have ever applied to the bank for financial support are stored in a special database. Banking institutions, pawnshops and other financial organizations turn to her when they want to know the past of a potential Client. This approach is practiced when receiving or processing another type of loan.
The automated information system of the National Bank is called the credit register. It forms and stores the CI of each resident of the country (if he has ever applied for financial support).
What does the credit history give, and what information does it contain?
Such relationships and information are provided in accordance with the Law of the Republic of Belarus. All this is aimed at establishing payment discipline, simplifying credit conditions and enhancing the security of credit transactions.
In turn, a credit transaction can be considered:
- loan agreement
- overdraft loan agreement
- loan, pledge, guarantee and guarantee agreements.
Transactions are concluded between individuals or legal entities with a bank or microfinance organizations. A client becomes a borrower, borrower or pledger, and a bank or microfinance company is a source of credit history.
In order to find out what data in the credit history will be indicated, it is enough to track the stage of signing the contract. All information and data must be sent to the National Bank no later than 3 banking days from the date of the transaction. The base is regularly updated according to the payments made and other actions of the Client.
The following information will be indicated in the CI.
- General information about the Client. This is a full name, identification number, date of birth, citizenship, place of registration, company name, USR, UNP, location, type of activity, etc. (depending on who the recipient is: a legal entity or an individual).
- Detailed terms of the transaction (dates, names of organizations, numbers and terms of contracts, amounts).
- The history of repayment of debt on loans received, possible delays or prolongations.
- Information about the termination of the contract and payment (not return) of debt.
Where can I get a credit history, and to whom is this data provided?
At the request of a financial institution and a private individual, the National Bank may provide CI in the form of credit reports. It will contain all the information that forms the credit history.
If a report is requested on individuals, then a scoring assessment will be included in it: when points are assigned to the subject of credit history, the results of which assess the ability of the Client to repay the debt. The decrease in mourning affects:
- a young credit history, that is, few concluded loan transactions,
- the number of user requests
- the presence of existing consumer and overdraft agreements,
- information about delays.
The National Bank provides access to credit history to those who are entitled to receive such information. The law states that credit reports should be protected by bank secrecy. Without informing and consent of the subject of KI, only courts, law enforcement agencies and other persons can receive it in certain cases provided for by law.
As for the users of CI, that is, banks or MFIs, they get access to the reports only after the written consent of the borrower, that is, the Client.
Of course, in the report on CI there will be no prohibition or permission to grant a loan. The decision is made by the bank or organization individually, based on the data received. There are no so-called “black lists” in the Credit Register, only truthful information about the borrower.
The owner of the CI can also receive data. To do this, he must send an application to a special department of the National Bank, where all credit histories are stored. Moreover, they can hand it out, or send it electronically (via the Credit Register web portal). In order for the system to recognize the applicant, you will have to go through an identification in the Interbank system.
The number of requests for a report on CI is not limited. But we must remember that only once during a calendar year the report is provided free of charge. All other times you have to pay for the services of specialists.
Access to KI is available not only to the applicant himself, but also to his agent. To do this, he must have a certified power of attorney in his hands. No information of this nature is provided by telephone.
Changes to the credit history are made only on condition that erroneous information was provided or recorded.
You must understand that the credit history was not created as a tool for restricting the issuance of loans. After all, the National Bank does not pass any “sentences” regarding the granting or not granting of a loan. All these data are stored for the purpose of familiarization and information, in accordance with the legislation of the Republic of Belarus.
Now you know where you can get a credit history, and what data is entered into it. Try to make debt payments on time, do not enter into a dispute or financial litigation with banks or MFIs, then your CI will be clean and transparent.
There are many ways to borrow funds. Applying to a pawnshop is a smart solution that ensures you receive a cash loan with a minimum of formalities within a few minutes.
Crediton Pawnshop is a young, but stable and energetically developing company.
We are engaged in the issue of loans secured by property in accordance with the certificate “on inclusion in the register of microfinance organizations” issued by the National Bank of the Republic of Belarus and the license of the Ministry of Finance of the Republic of Belarus “for the right to carry out activities related to precious metals and precious stones”.
For your convenience, you can leave a request for a security assessment around the clock. In cooperation with the Crediton pawnshop network, we have increased the number of pawnshops and have branches almost throughout Minsk and even in Molodechno. You can find in the section "Our branches". We have bright, clearly visible signs so that you can easily find us. We are developing rapidly and will soon open the doors of our two more pawnshops in the city of Minsk.
What is a pawnshop.
A pawnshop is a loan institution, the basis of which is the mortgage principle. In order to receive money, it is enough to hand over to the pawnshop a valuable thing belonging to the borrower. In exchange, he is given a sum of money, according to the assessment of the value of the pledge, for a certain period, at the end of which the pledgor has the right to redeem the thing belonging to him, having paid the amount received and a certain percentage. Thus, a pawnshop is a financial organization issuing a short-term court, and money is issued on the security of property defined as movable.
Lombard organizations are a separate type of business. Each pawnshop of Minsk meets the basic requirements of financial relations, but Crediton pawnshops are the most favorable and convenient conditions for customers.
Advantages of working with our pawnshop
For any financial institution operating in modern conditions, the basic principles of activity should be:
openness and transparency of monetary operations;
high quality of services;
convenience and individual approach.
They are the basis for the activities of Crediton pawnshops, so the mortgagor, contacting us, will appreciate:
- convenient round-the-clock work schedule;
- low interest rates;
- discounts for senior citizens and regular customers;
- lack of hidden fees and interest;
- high estimated value of collateral;
- reliable storage of valuables given on bail;
- confidentiality of information about our customers.
We keep pace with the times and offer a convenient online pledge assessment service, which takes 3 minutes. Evaluation is carried out directly at the office or remotely on-line. A thing does not have to be carried to a pawnshop - just fill out the form, attach a photo of the property being mortgaged and describe its technical condition. Send the data and the appraiser will send you information about the estimated price of the item.
We accept on bail
A wide range of collateral is becoming one of the advantages for our customers. It includes:
- jewels;
- antiques;
- equipment;
- transport;
- vintage;
- equipment.
Jewelry
In our pawnshop, money is issued on the security of gold in the form of rings, chains, pendants, and other jewelry. We accept gold coins, damaged items and scrap gold, as well as bullion. Our practice is not buying jewelry, but storing and returning them after paying the security deposit.
Antiques
Antiques are especially appreciated by art lovers. These include porcelain, figurines, furniture, art, and more. Reception of antiques is carried out with the establishment of the true value, the general condition of the collateral, qualified expertise and determining the current market value.
Equipment
An accurate assessment allows you to offer an adequate price for the equipment as a pledge, according to market value. Here you can rent plasma and LCD televisions, stereo systems, camcorders, amplifiers, headphones, receivers and much more. When assessing the cost, the expert takes into account the technical capabilities of the equipment and appearance. Accepted equipment of various years of production.
A popular service is pledging mobile phones. Outdated phone models are becoming a profitable and convenient way to get a cash loan. In the future, you can buy a phone or not return the deposit. In this case, the phone is put up for sale. The option offered by us is more profitable and convenient than any purchase of phones in Minsk.
Transport
Delivery of vehicles on bail allows you to receive money within a few minutes. A vehicle, a passport and several documents are enough for registration. The advantage is the assessment of the car at market value, an individual approach and favorable interest rates.
Vintage
We give out money on the security of premium accessories, which are recognized as vintage products. It can be bags, purses, an old but well-preserved musical instrument, any household items of the past that fit into the modern interpretation.
Equipment
Reception on the security of computer equipment and other equipment allows you to get real money in a short time. We accept any computer and digital equipment, office equipment and peripherals.
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What is a credit history?
Credit history - This is certain information about the borrower, starting with the receipt of the first loan and is updated with new data on all loans and borrowings. The credit history tells about how a borrower (individual or legal entity) fulfills its obligations under loan agreements. Credit history is stored in the credit bureau.
Who keeps and for what our credit history?
Credit bureau - the structure, in our case, this is the Credit Bureau of the National Bank of the Republic of Belarus, which stores information about all institutions that issued loans and about all borrowers who used loans. The bureau was created to let banks know about previous loans, loans of potential customers, and how they repaid them, whether they fulfilled their obligations in good faith. Based on the credit history, a rating class and a scoring score of the borrower are formed. Based on the results of the grief and the information provided, the decision of the bank will depend on whether to grant a loan to a potential client or not.
How to recognize her, and is she important?
For most people, credit history is very important, as it has a huge impact on their lives. Having lost the opportunity to get a loan, a person may lose the opportunity to make a new purchase, purchase a ticket abroad, and much more. A positive credit history is generally considered a prerequisite in order to obtain a large loan for a long time. A good story will be important not only to individuals, but also to companies that are expanding their business. It should be noted that it is a spotless credit history that will significantly affect the receipt of a positive response from the bank, therefore it is so important to avoid delays and repay the loan in a timely manner.
It seems to many borrowers that the process of obtaining a credit history is not clear and long, but this is only at first glance. In fact, there is nothing complicated.
ATTENTION!!! If you don’t have time to come to us for a credit history ... Only for you and only here you can check your credit history on-line and WE WILL DELIVER YOUR CREDIT HISTORY DIRECTLY AT HOME, FOR WORK OR IN A PLACE CONVENIENT FOR YOU (a passport is required at a meeting ) To do this, you need to leave a request and within a day your credit history is with you. The service is paid.
Minsk and Minsk district 20 rubles.
Minsk region - 30 rubles.
Mogilev and Mogilev region - 40 rubles.
Gomel and the Gomel region - 40 rubles.
Brest and Brest region - 40 rubles.
Grodno and the Grodno region - 40 rubles.
Vitebsk and Vitebsk region - 40 rubles.
AND THAT'S NOT ALL!!! EVERY ORDERING CREDIT HISTORY, FINANCIAL ADVICE FOR FREE (bank selection, CI analysis)
REMEMBER ... knowing the results of the credit history, together we can correctly assess your capabilities as a borrower when contacting a financial institution (the maximum amount, in which bank, on what terms, for how long and your credit status today).
We do everything for the client ... It turns out that getting a credit history is not so difficult.
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