Lending money or lending has been around for centuries. Money we do not have and need can be borrowed, thus creating the opportunity to buy (or pay) what we could not afford until then. Lending, as a large part of the economy, will be difficult for people to ever give up given that it is a phenomenon where everyone is profitable.
Loans without HROK and blacklists with credit houses
The loan provider charges the service with interest, which in turn depends on the amount of the loan or loan, and on the repayment period. And since many of us will find themselves, or have already found themselves in a situation where they need a loan, there will always be an agreement between the one who issues the loan and the one who takes it.
This simple definition still stands today, but what about changed over time that banks lost the title of sole lender; because in response to the demand from citizens, credit institutions were opened for those who could not meet all the expectations of banks. That is why loans without a bug and blacklists, as well as loans without a bank, are increasingly popular today. Over time, as a response to the poor financial situation, the need for more loans and loans emerged, with credit companies willing to lend to more risky customers.
In order to protect themselves from irregular or problematic payers, banks started to put problematic clients on the so-called Black List and in early 2004 The Croatian Banking Association (HUB) has organized a system for the listing of defective clients, which exchanges information on irregular loan repayments, overdrafts, guarantees and judiciary. Problematic payers are customers with a certain time period of late payment (either credit, card or overdraft), or those whose debt exceeds a certain amount. But this is just one of the measures that protect banks.
Loans without bugs and blacklists are not possible everywhere
Another measure that protects banks from messy payers is HROK. HROK doo is an abbreviation of the Croatian Register of Credit Obligations, a limited liability company for business services, and in 2005 it was established by 20 banks in the Republic of Croatia for the purpose of collecting, processing and exchanging information on clients’ credit obligations and the regularity of their settlement.
Today, 27 banks (31 of them), all five housing savings banks, two card companies, certain leases and other financial institutions are members of the HROK. If for any reason you are blacklisted or the HROK register shows that you are paying off your debts incorrectly, your bank loan will not be available to you.
HROK processes information about all clients’ monetary liabilities, and the degree of difficulty is determined by the type of loan when it is not repaid on a regular basis. The irregular repayment of secured real estate loans most often points to an extremely troubled client. Many citizens forcibly found themselves on the list of messy payers or recorded as such by the HROK; some lost their jobs, incurred unavoidable living expenses, etc., which made them unable to meet their monthly cash obligations on a regular basis. Such citizens would welcome loans without the hassle and blacklist.
Neither the HROK nor the blacklisting impedes loans on some lending companies
However, neither in the blacklist nor in the bad state of the HROK registry are you doomed to failing to take out a loan – many credit institutions will nevertheless take the risk and grant credit to those who are blacklisted and / or HROK-heavy, so today there are cash loans to those who find themselves in an unenviable financial situation. Recently, more and more popular lending companies have recognized the need of citizens, so that they can find loans without HROK and blacklists under their services and have enabled numerous clients to obtain the required loan through them legally.
That is why many citizens, lured by the inability to lend money while debt is piling up, dropped off banks and credit card companies and were given the opportunity to raise loans with credit companies that did not insist on such a thorough check of a client’s financial position and legally issue loans without HROK and black lists. Mostly, these are smaller amounts of cash loans, but they are paid out immediately, online, and which do not require a bunch of receipts but only an (unblocked) checking account and a receipt for regular income. Because of these options and loan models, today anyone can get out of debt, foreclosures, unpaid bills, etc., with loans without HROK and bank blacklists.