Kredyt bez BIK

Wielu z nas zastanawia się co to takiego kredyt bez BIK albo wyszukuje oferty finansowania reklamujące się właśnie takim hasłem. Najogólniej mówiąc kredyt bez BIK to taki kredyt, podczas udzielania którego kredytodawca nie dokonuje weryfikacji danych klienta w bazach Biura Informacji Kredytowej S.A. (w skrócie BIK).

W bazie tej znajdują się informacje o dotychczasowej historii spłat zobowiązań bankowych klienta. Jeżeli dane w bazie BIK są negatywne (np. widnieją tam wpisy świadczące o tym, że kredyt nie był spłacany, wobec klienta toczyło się postępowanie komornicze albo windykacyjne), banki często odmawiają udzielenia kredytu przypuszczając, że kredyt o który wnioskuje klient również nie byłby terminowo spłacany. W konsekwencji osoby, które nie mają pozytywnej historii kredytowej w BIK nie mogą uzyskać finansowania w bankach lub SKOK-ach.

Z pomocą dla takich osób przychodzą instytucje pozabankowe, które mają w swojej ofercie produkty dedykowane osobom z BIK-iem. W procesie udzielania takich kredytów lub pożyczek, firmy te nie dokonują sprawdzenia klienta w bazach BIK, a do scoringu kredytowego biorą pod uwagę inne dane, np. zaświadczenie o zarobkach, dane z rocznego PIT-a lub dane z biur informacji gospodarczej (BIG, np. KRS, Infomonitor, ERIF), a czasem nie dokonują żadnej weryfikacji poprzestając jedynie na oświadczeniu klienta.

Obecnie oferta kredytów bez BIK jest bardzo szeroka. Tego typu produkty ma w swojej ofercie wiele uznanych na polskim rynku instytucji. Koszty kredytu bez BIK również bywają porównywalne z kosztami kredytu bankowego. Należy bowiem mieć na uwadze, że z racji zaciągania kredytu w instytucji pozabankowej, kredytodawca co do zasady nie zażąda od nas założenia konta bankowego albo zakupu karty kredytowej, które to dodatkowe zobowiązania często stanowią ukryte koszty kredytu bankowego. Należy jednak liczyć się z tym, że zarówno kredytodawcy bankowi, jak i pozabankowi mogą zażądać od nas zawarcia dodatkowego ubezpieczenia. Ubezpieczenie takie zabezpiecza jednak spłatę kredytu na przykład na wypadek utraty pracy lub choroby uniemożliwiającej spłatę kredytu. W konsekwencji chroni nas przed niespłacaniem kredytu.

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