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This time, it was distributed on CONSPIRIT's official channel on YOUTUBE.Episode 41: Improve your QOL through real estate management!I would like to send you the contents.

So let me start by giving a quick explanation of "Koshin".

What is "personal letter"?

Many people who have used a loan to purchase income-generating real estate or a mortgage for their home will be familiar with ``personal credit.''

We have gotten used to calling it ``personal credit information,'' but more accurately it is ``personal credit information.''

When a financial institution or credit company receives a loan application, as part of its screening process, it checks the applicant's past transactions and personal credit information with a credit information agency to determine whether it is safe to lend. I will do it.

“Personal letters” are the key to loan screening

To give an example from more familiar to us, when you fail a credit card application, it is usually because there is a blemish on your credit report.

A "blemish" refers to the fact that there is a history of "accidents" in the information registered with the credit information agency.
It is predicted that the most common ``accident'' is late payment.

This delinquency has nothing to do with the amount of repayments or the amount borrowed, and even if the balance is inadvertently insufficient, the ``accident'' will be registered as an ``accident.''

I once had a customer who had previously missed paying his mobile phone bill.
I thought that if it was a mobile phone bill, it wouldn't affect my personal credit, but since the phone was treated as a loan purchase and the repayments were transferred to the mobile phone bill in monthly installments, the loan could be rejected straight away. did.

As such, personal credit is the first hurdle in loan screening, and unless you can get through this stage, your loan will not be approved.

Credit information agency where "individual credit" is registered

Finally, I would like to introduce the credit information agency where this "personal letter" is registered.
There are three main organizations: CIC, JICC, and KSC.

Each of the three organizations has different affiliated financial institutions and companies, and individual credit information will be checked with each organization depending on the screening process.

This is a very rough explanation, but as CIC is an organization established with joint investment from credit companies, it registers credit-related information.

JICC is a designated credit information agency based on the Money Lending Business Act, and a large amount of consumer finance transaction information is registered.

KSC is a credit information agency established by the Japanese Bankers Association, and as you can see from the fact that it is operated by the Zengin Bank, information held by banks, credit unions, and other companies engaged in the banking business is registered.

Although the three organizations are separate, they have a system in place to share information with each other to ensure the accuracy of the reviews.

Beware of blacklists

In the world, there is a term called "being blacklisted," but it does not mean that there is actually a black file, but because "accident history" is shared in information exchange between designated credit information agencies, new loan screening is difficult. This means that we are talking about a situation where things like the following cannot be passed.

It goes without saying that it is all about the accumulation of daily repayments, so if you are thinking of purchasing a property with a loan, please be careful.

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