How to get off the list of defaulters to apply for a mortgage?

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All banks usually have a series of conditions to be able to request a mortgage and grant it. If with financial conditions it can sometimes be difficult to get a loan, if we add a situation of late payment to our profile, it will be impossible to obtain the loan, since banks do not grant mortgages to people who are known for their non-payment of debts. . This is because there are a series of institutions that prepare a list to identify these people. If you want to know how to get off the list of defaulters to apply for a mortgage, we explain how to do it below.

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How do you know if your name is on a delinquency list?
Being late can lead to many prejudices . Therefore, it is best to solve the problem as Chinese Overseas America Number Data soon as possible by taking action on the matter and stop appearing in the file of defaulters.

The official list in Spain that is responsible for collecting the names of people with outstanding debts is the National Association of Financing Entities (ASNEF) . To know if you are on a list of defaulters you have to allow at least three months to pass since a non-payment was generated.

In that three-month period of time you can pay off the debt you have developed. But, if you don't do it, your name will be on the ASNEF list. The information that appears within this list can be consulted for free, since it is a file in the public domain and free to consult for anyone.

It is very important to remember that our data may appear on the ASNEF list of defaulters even if we stop paying an electricity or gas bill for one month. This, even if it is a very small debt , can harm us in future procedures and financial actions that we want to carry out.



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Requirements to appear on a list of defaulters
There are several reasons why you may be included on a list of defaulters. Therefore, it is best to keep them in mind to know if you could find yourself in one of them:

When you have a debt of more than 50 euros you can be included in a list of defaulters. If you owe less than this amount you will never be included in it.
If you contracted a debt after contracting a service, for which you were notified that if you defaulted you could be included in a delinquency file .
You will not be able to enter your name on the list if you are currently in a judicial, administrative or arbitration process .
In the event that you have a real debt, which can be “ certain, due and payable .” As indicated in the Electronic Headquarters of the Spanish Data Protection Agency (AEPD). That is, by which you can claim the payment that was not made previously and for which the debt has been generated.