HOW TO GET CREDIT WITH BANKING PROBLEMS?

   HOW TO GET CREDIT WITH BANKING PROBLEMS?

Get your same credit with banking problems. Do not rush another personal credit analysis and solutions.See how.

• Consolidated Credit

I need a loan but have banking problems. What to do?

This is a question increasingly common among the Portuguese, unfortunately. A personal loan after another, and one is to liquidate the other and thus the Portuguese families have come up grappling with major problems and financial difficulties. How to reverse this process? More: "How to have access to personal credit if I am over-indebted No bank will lend me money if I'm already blacklisted ..." Calm down, see what solutions might consider if you are in this situation.

 

BANKING PROBLEMS HAVE BASICALLY TWO SOURCES:

• Change any of the conditions in the loan contract high , such as unemployment, death of a spouse, birth of a baby, changes in the conditions of the bank or credit company in particular interest rates, spreads, etc. Most banking problems have this origin, since our life is never constant, it is always in constant change and what appeared to be a comfortable situation at a time with some unexpected event comes to an untenable situation.

• But others have banking problems through sheer irresponsibility , it may not be well assessed the conditions that had to support a monthly installment or because they have even had to post another loan and still decided to purchase something on credit. The consumer society we live in leads us to consider essential goods, which are actually superfluous. In addition, there was a time when access to credit was quite easy, so people always relied on a loan to buy what they wanted by social necessity only.
•  

• AND NOW? HOW TO GET CREDIT?

  Whether you have a source or another the practical result is the same. The benefits accumulate and the breach has shot in Portugal. The consequence is the debtor be marked on the blacklist of the Bank of Portugal , preventing access to other credits in the future.
   

  SOLUTION 1: SEEK ADVICE

  Before taking any decision seek help from professionals who deal with these situations on a daily basis and through an analysis of its current condition can trace a path that leads to the solution of their credit problems. Expose your situation to your bank and ask for advice.
  Besides being free or already be departing to pay for it in the bank charges is entitled to request information on alternatives. There are also companies that specialize in financial advice, are called financial consultants. As these companies establish agreements with several banks and credit institutions, this can be a privileged channel for the resolution of your problem.
  
  

  SOLUTION 2: CONSOLIDATED CREDIT

  Consolidated credit can be an option because it allows to gather all the benefits in one , giving you the chance to take advantage of lower rates and longer maturities. See our  tips on consolidated credit and know whether it can be a good solution for your case.
  
  

  SOLUTION 3: PERSONAL LOANS

  A personal loan is relatively easy and quick to achieve, but be prepared to be charged  much higher interest rates because of the risk that these companies are run by negotiating with people with "history". Compare all offers and choose the most advantageous.
  
  

  SOLUTION 4: CREDIT CARD

  Also reveals a good tool to combat the debt, but it has to secure some assumptions, such as having some money in the account or entering a good salary every month into your bank account.
  When you get rid of these problems, think very carefully before you get another credit . Nowadays access is being increasingly restricted, but note that with the financial crisis currently experienced, entities practicing exaggerated conditions.
  Remember: Seek advice from your bank. In addition to free, you have the right to get all the information on alternatives to their situation, as usually already pay bank charges.