– We need stricter marketing regulations, stricter requirements for who can give the loans and a gjeldsregister. We need an overall package. I think the concern for the individual – of those who do not completely realize what they’re doing, ” says Magne Gundersen, forbrukerøkonom in Sparebanken 1 and presenter in Luksusfellen on TV3.
E24 have tried to take up as much mortgage as possible in four days. In total, we got the offer about two million in debt with a rate of 20.6 percent.
– It shows that it is quite easy to get the personal loans and credits in Norway. I think it is too easy, ” says Gundersen.
So got the E24 two million. in the personal loans in four days
– On time with the gjeldsregister
Several measures are already to the treatment by the authorities. Forbrukerminister Solveig Horne (Frp) is considering new rules for the marketing of the personal loans, which today is very active.
finance minister Siv Jensen (Frp) said to E24 that she is considering several other measures.
A gjeldsregister is in the works, and a proposal for how the registry should look, was submitted for consultation in October.
– It is now time for an overview of the consumer loans and credits so that it no longer becomes a tillitsbasert system today. I think many fewer would have had to borrow a lot of money if they had entered the correct information. You would not have all these loans if you had provided full information, ” says Gundersen.
When E24 applied for consumer loans with a total of 15 different actors, provided we each time that we had zero money in personal loans from before, even if we got granted the applications on a continuous basis.
It illustrates that it is possible to destroy its economy completely if one goes in for it, ” says Gundersen.
– How big the responsibility of sitting with yourself?
– About of 99.99 per cent. People must know what they are doing. One must know what a loan costs. You can not apply for the loan of half a million, without examining the loan first, ” says Gundersen.
Devastating for the economy
The only bank that gave E24 all the loan we asked for with a time, Bank Norwegian, which granted nok 500,000. Nedbetalingstiden was 15 years and the effective interest rate 18.5 per cent, which in total would mean 900.000 million in interest and fees.
– To give such a loan with such high interest rates without counseling, a loan that is a so big burden for the privatøkonomien, should not occur, ” says Gundersen.
When E24 applied, lay the long nedbetalingstiden already hold in the application form, and the calculator on the website calculated that the monthly expenses would be around 7.700 million.
a 15-year repayment period is only for you to get a smaller payment, and that it thus looks better. Tapping liquidity for over seven thousand a month in 15 years just to get the nok 500,000, is devastating for the economy, ” says Gundersen.
Investor warns against tapsbombe in consumer loans
Hard out against Bank Norwegian
Gundersens programlederkollega Hallgeir Kvadsheim find that Bank Norwegian is among the hardest things to do in Luksusfellen. He therefore thinks it is a paradox that it was where E24 easiest way to got the loans.
They are among the most difficult when it comes to understanding how we are to get our participants out of economic problems. It stands in a glaring contrast to how easy it is to get these loans, ” says Kvadsheim.
He believes, however, that the loans that E24 was offered, in isolation, is not necessarily unsafe.
– Each of you should be able to serve these loans. But you have not played with open cards and provided the other applications. It shows how fast, and to some extent how inadequate, kredittvurderingen is for consumer loans, ” says Kvadsheim.
– These the bank does not do a particularly great job of examining the applicants. For the cost, and the cost they add in their calculations, ” he says further.
– For profitable
Steinar Holden, økonomiprofessor and head of department at the University of Oslo, believes it is too profitable for banks to lend money to people who really didn’t have the good of it.
the Case continues below the advertisement.
– It is food for thought that it can be profitable for the lender to lend to people who, in retrospect, will struggle to pay back. It can be profitable even if it creates significant problems for those who borrow money, for example because the borrower is helped financially by family and friends, ” he says.
– food for thought: Økonomiprofessor Steinar Holden thinks it is a food for thought that it can pay to lend money to people who have problems with paying back.
In the E24s survey was very different to how the banks handled the lånesøknaden. Some gave a blank refusal, others gave hundreds of thousands in loans. Steinar Holden says the major difference may have two explanations.
– It can be a great deal of uncertainty in what that is profitable. Perhaps do not know the banks this completely and therefore have different ratings. Or maybe the banks are a different ethical responsibility, he says.
Will not comment on the application
Bank Norwegian does not want to comment on the E24s the application, or the criticism from the forbrukerøkonomene.
We are commenting not individual kredittsaker or applications. We have a fully prudent credit standards, which include a manual review of the application, ” says Pål Svenkerud, chief financial officer of the bank.
– the Application was only an attempt. Why want you not to comment on it?
Of policyårsaker we don’t want to comment on enkeltsøknader, says Svenkerud.
however, He says that the E24s case shows that there is a need for a gjeldsregister continuously updated.
– in Order to prevent similar cases with many borrowings at the same time, the authorities should design the care for diabetes-so that it contains all of the debt, is realtidsoppdatert as well as that it captures and makes available the number of applications, ” says Svenkerud.
the chief financial officer also points out that the first provides a conditional grant, and that the applicant will need to submit paycheck and tax return before the money is paid.
– Under 15 per cent of the kredittsakene is paid. This is a short-term loan that is usually repaid in a matter of three to four years, ” says Svenkerud.
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