Typical of the direct credit
There is called he a direct credit on that credit that is granted straight to the client without the need for inquiry of financial and credit precedents because the same one is a frequent client of the financial company and does not need of a previous investigation. Generally the financial companies that take charge of the credit granting, are employed usually with clients' portfolios at which, same them there are divided between defaulting clients, regular clients and preferential clients. In the first one of the cases, we refer to defaulting clients, to those clients who usually request all kinds of loans and credits later not to expire with the corresponding obligations.
And precisely due to this, this type of clients is unable to receive a direct credit since the financier knows and knows about the economic and financial situation in which this type of clients is; on the other hand, there are the regular clients who are those that expire with the obligations, but in some cases they usually resort to systems like the refinancing in order to facilitate the payment of the obtained debts.  Generally for the regular clients, the benefit of gaining access on a direct credit will depend on the current situation in which the same one is. To be able to explain it in a simpler way, we can say that those clients who in some moment had some hanging debt due to the non-payment of a loan or requested credit but at present they do not possess any type of debt, or, that the same ones of the past were cancelled, of that time the authorization of a direct credit will be possible, but in the case that the client is paying some debt, of that time the request of the direct credit him will be denied. Now then, in the third case, we must say that the preferential clients with those who always cancelled all his debts in the stipulated time, and who always expired with his financial obligations without presenting any type of disadvantages.
Granting of the direct credit
The financial companies usually take the initiative to do the offering of the direct credit, without the need that the client requests it, and in this sense we must say often, accept the above mentioned offering turns out to be very suitable. The direct credit can be granted like credit of consumption or personal credit, and the benefits in this case are in the money-market rates. For example, in a common personal credit, the money-market rate is located between 20 % and and 25 % while in a direct credit granted as personal credit, the money-market rate is of only 8 % marking this way a considerable difference. Nevertheless, the benefit simply is in the money-market rates since the period keep on being the same than in a personal credit.
Although this is a tool used preferably by the financial companies, because there are the only entities that possess the aptitude to grant any type of credit, some banks also devote themselves to grant some direct credit to those clients who deserve to receive it. Nevertheless it is very complicated to be able to find a bank that possesses direct credits since the same ones only of especializan in the mortgage credits.  Since we can observe, gain access on a direct credit is only a question of supporting an irreproachable financial behavior, and precisely for it the fact is that the requisites to be able to obtain it are minimal. Also we rely on that the company entrusted to grant us the direct credit already possesses in advance our personal information and our financial history therefore it does not need of realizing any type of analysis and evaluation about which if really it is suitable or not to grant this credit.
The direct credit usually has a ceiling of approximately 2.000 dollars which are delivered in cash and in 12 p.m. in which the client requested or accepted (in case it has been the company who offered the credit from a beginning) the above mentioned sum of money, and it is important that we point out that one of the advantages that the people usually appreciate more in the direct credit, in addition to the rapidity with which it is granted and the low money-market rates, is definitely the fact that it is not necessary to justify the end that will have the money, that is to say that the company simply grants the suggested total so that later the client benefited with the direct credit could spend it as more he liked. Nevertheless let's not forget that in spite of being an offering on behalf of the financial company, the money must be reimbursed, fulfilling the conditions imposed by every company. |
