information from the BCI;
data provided personally by the applicant in the loan application and when filling out the questionnaire;
information received from government agencies and organizations, including with the consent of the applicant. For example, you can get information about convictions and fines from the Ministry of Internal Affairs. From a mobile operator - about connected tariff plans and expenses for mobile communications. From the Pension Fund, you can get information about previously paid wages. The Federal Tax Service will provide information about known sources and amounts of income, tax debts and the presence of a business. The bailiff service will respond about the presence of forcibly collected debts - alimony, fines, utility bills, debts on writs of execution issued in execution of court decisions. From the Housing and Public Utilities Service, you can request information about the presence of debt on utility bills, and from Rosreestr - about real estate registered to the applicant and transactions with it;
internal databases. Their composition depends on the cambodia mobile database information collected by a particular bank.
When assessing the solvency of a potential borrower who does not have an official income, retrospective data is of great importance. This includes information about previously received and repaid loans, repayment discipline, use of other financial services, previous professional experience, and behavioral factors.
Is it profitable to take out a loan if I am not officially employed?
If you compare different consumer loans, there is no benefit. On the contrary, an officially unemployed person will have to take a loan on less favorable terms, with a higher rate and for a shorter period. And the size of the loan itself will also be smaller.
An alternative is a loan from an MFI. But even with a higher rate, bank lending is more profitable than loans provided by microfinance organizations. MFIs are generally more loyal to the assessment of borrowers, but their loyalty costs clients dearly. Byaccording to the Central Bank of Russia data for 2023, the average amounts of microloans issued do not exceed 10-12 thousand rubles, and the annual interest rate reaches 292%, which is close to the legislatively established maximum interest rate threshold.
The terms of borrowing are much shorter than those of banks - from several days to several weeks, less often - months. Accordingly, the monthly financial burden is higher and it is more difficult to repay the loan than a bank loan stretched out over several years.
Another problem with microloans is high penalties for late payment. Their size can be many times greater than the loan amount. There are frequent cases when debtors have to return 100-150 thousand or more instead of loans of 10-15 thousand rubles.