On the market of non-bank lending and non-lending has a lot of unreliable companies and individuals. This concerns in particular loans secured by real estate and loans without consulting the registry. Providers of such loans often seek out people who are already in a difficult situation, "squeeze" through onerous contracts last remnants of finance and using mock favorable loans often try to prepare clients for their property.
Before you take any non-bank credit, read the following information.
Signs of a fraudulent credit or loan:
- Failure of the contract in advance, the pressure for a quick signature. Basic sign that with your lender does not think quite honestly is it that you refuse to provide a sample contract prior to the study or refuse to send samples of contracts electronically. In this case, the place is very wonder why it does so. Each lender has a standard contract, but if you do not want to give it in advance, it means that the contract is something you do not have noticed.
- Notional cash payout. When signing the contract you will be forced to sign that you took some of the money in cash, without this money is actually received. Usurers and dubious company while avoiding the fact that the contract indicated a high interest rate. When you sign them, you took the cash without you actually get it, will have the dubious lender paper in his hand, according to which you borrow large amount and you have to go back. With such a loan will be indicated in the contract only little interest, so the moneylender or dubious company avoids paying taxes - when they return the loan repayment does "just the money that you borrowed."
- Arbitration clause for doubtful arbitrator. Arbitration clause means that any disputes will be decided in court, but the so-called. Arbitral tribunal. It is often a limited liability company or a common law office. Such arbitrator decides almost always in the interests of a client who gives him a lot of cases. Arbitration is very fast, often miss with him or hinder. Moreover, it is expensive and costs in the order of tens of thousands of crowns will be borne by the party that loses - that probably you as a client. Attention to pay the costs of arbitration is inevitable, they will be automatically included in execution, which likely will be followed by arbitration.
- Inability to repay the loan in advance of high fees for early repayment. If you have not agreed in the contract option of early repayment without a reasonable fee, you lose the possibility of more favorable loan refinance loan, if such arises. You can also get into a situation that you decide to sell the property, but you can not, because the property will stagnate loan that can be repaid early.
- Low interest, but the high fee. Some companies camouflage interest fee, reward or remuneration for granting the loan (we also saw the reward for granting a loan of 60%), followed by "dissolve" into installments. Not only did the optically reduce the interest rate, but if the contract contains magic formulas "borrower agrees in the case of non-payment of one installment with the loss of benefits repayment" will be the first time that the omission payments forced to pay creditors only principal that you borrowed, but also the entire fee at once.
- Unclear contract, a reference to the arcane terms and conditions. Before you sign any contract, you should understand it. You should understand all the passages because of any part you may have under any obligation and penalties. Beware, if the contract contains a reference to the general conditions. Policies may include obligations that if you fail to comply may be penalized. It is not a false scare, a significant percentage of borrowers losing their property because they signed a disadvantageous contract, which did not fully understand or have not read the terms and conditions. You are entitled to make you a loan contract dealer explained. If she does not, or so. "Waffle" or even flat lying, do not sign the contract.
- The requirement for a commission or fee upfront. On the market there are a lot of swindlers and fraudulent companies who offer it for a fee are gathered together for a client advantageous loan. In most cases, the client pays the fee and then learns that "the loan has not been approved."
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