Terms of receiving a loan without a guarantor
During the President’s meeting with the CEOs of the banks, five orders were communicated to the banking network, which focused on issues such as tightening miscalculations, facilitating the payment of loans to the people, transferring banks owned by banks, repaying excess profits from people and producers, and reviewing regulations and systems. Banking is for the benefit of the people and the administration of justice.
In addition, the president instructed the banks at this meeting to replace the collateral with the payment of micro-facilities to the people through credit.
On the other hand, Ali Bahadori Jahromi, government spokesman, announced the change in the type of collateral for loans under 100 million tomans and said: “Following this change, a person who is a regular employee or salaried employee of the government can guarantee his salary and credit.”
Earlier, the Governor of the Central Bank had announced that the banking system has moved to accreditation for collateral for microloans, and with the provision of this, individuals will soon be able to use their SIM cards, equity shares and subsidies as collateral for microloans. Present to banks and receive the desired loan.
On the other hand, the announcement of the Central Bank officials indicates that access to the accreditation system is provided for the general public and they can be informed of their accreditation status by referring to the credit systems and paying a fee of about 1000 Tomans.
In addition, to be able to get a loan without a guarantor, you must have a good credit history and be well-informed that the number and history of checks received or returned, timely payment of electricity bills, gas and driving fines are among the factors affecting the ranking Appropriate credit.
It should be noted that the credit rating indicates the degree of credit validation risk of customers in repaying their obligations and in the validation, information about the applicant’s past and current status is used to predict his behavior in the future.
In accreditation, customers are divided into three groups: real consumers, real professionals, and legal entities. Is used.
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