Loans to non-registered the new credit frontier?
In our country there is a new frontier in terms of credit, that of personal loans to the so-called non-registered. This is a frontier that is still unexplored and that could soon reserve surprises, as it would cover individuals who have never benefited from credit forms reported to the databases.
With the term of non-registered, in particular, all those young people are indicated who have not yet had reasons to establish a profitable relationship with banking institutions, or foreigners who work in Italy or those users who are used to paying their transactions in cash.
Is the non-surveyed an unreliable subject?
From what has been said so far, it is easy to understand how the non-registered subjects are such because they cannot boast any financial history behind them, able to attest to their effective creditworthiness. An absence that is reflected precisely in the lack of presence in those databases that are now the real basis of the Italian credit system.
The gap in question is bluntly equated with the lack of proof of being a good payer. This leads to the real contradiction based on which those who have never had dealings with banks are assimilated to an unreliable subject.
What happens currently
It should be remembered that at present no bank grants a loan to a non-registered person, unless he does not present unassailable guarantees. The reason lies precisely in the fact that no bank official would take the responsibility of endorsing a loan without first verifying the potential payment risk for a user of this kind. There is no previous history to refer to and, consequently, the practical equation between the non-registered and the non-reliable customer proceeds automatically.
What can be done in these cases?
The only way to bypass the problem, for a non-registered person who intends to apply for funding, is therefore to present a guarantor, that is a family member or an acquaintance with creditworthiness, therefore already recognized as good payers within the databases. In the absence of a similar figure, it becomes practically mandatory to claim a permanent contract or a pension. In this case, you can request a loan by assignment of the fifth or delegation of payment.
These are the two types of financing that do not require the presence of a guarantor and the historicity guaranteed by the databases. Only once the loan is obtained, the subject will finally be able to greet the old and unwelcome status of a non-registered, being however careful not to fall back into the future as a bad payer.
Will the evolution of labor relations affect the system?
Naturally it will be necessary to verify if this system can continue to hold up in a historical moment in which even labor relations are changing their nature, with the disappearance of the permanent position and many citizens seem intent on not wanting to entertain relations with a banking system seen as a sort of enemy. Continuing to adopt criteria that are not only rigid, but also questionable, such as the one that characterizes the regime of non-registered users, could in fact play a significant role in narrowing the range of possible customers.