hi Everybody!
So, in a Brief.
I'm EU citizen and i moved to finland on 12.03.2018.
I've done everything from the start with Migri and everything, but seems i missed the part to register myself to Maistrati.
I Discover this when i bought an house in MAy 2019 and started to ask for an home loan.... I registered immediately. Therefor on Suomi.fi/Register, look like i got " mail address from 12.03.2018, but residential started only on 12.05.2019 which is the date when i discovered the above.
Anyway, I'm paying taxed in Finland from my arrival, 12.03.2018. I lived in Finland since then, one year on Rental then i bought an house. I have an Home loan with OP that i had no difficulties at all to get.
I'm employed full time, permanent, with a decent salary ( 80K )... But Seems i still don't have a credit history?
I never managed to get a Credit card ( Despite my bank had gave me very easily the home loan, if i do the online application for credit card it goes rejected right away )... I have never had debts or finance here.
How does the whole thing work?
Credit in Finland
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- Joined: Thu Aug 29, 2013 1:24 am
Re: Credit in Finland
Finland only operates a negative register. Usually the automated systems have a rule that you need to have history for 2-3 years (from getting a municipality of residence). Mortgages are handled manually so there was probably more flexibility due to this.Sighthound wrote: ↑Fri May 07, 2021 1:07 pmSo, in a Brief.
I'm EU citizen and i moved to finland on 12.03.2018.
I've done everything from the start with Migri and everything, but seems i missed the part to register myself to Maistrati.
I Discover this when i bought an house in MAy 2019 and started to ask for an home loan.... I registered immediately. Therefor on Suomi.fi/Register, look like i got " mail address from 12.03.2018, but residential started only on 12.05.2019 which is the date when i discovered the above.
Anyway, I'm paying taxed in Finland from my arrival, 12.03.2018. I lived in Finland since then, one year on Rental then i bought an house. I have an Home loan with OP that i had no difficulties at all to get.
I'm employed full time, permanent, with a decent salary ( 80K )... But Seems i still don't have a credit history?
I never managed to get a Credit card ( Despite my bank had gave me very easily the home loan, if i do the online application for credit card it goes rejected right away )... I have never had debts or finance here.
How does the whole thing work?
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- Posts: 42
- Joined: Tue Nov 21, 2017 10:43 am
Re: Credit in Finland
So there's no chance to improve WORD CENSOR - SPAM POST/MESSAGE!!!/history before living 3 years here, right?
I'm basically living since more than 3 years...just a burocratic error wiped out first year
I'm basically living since more than 3 years...just a burocratic error wiped out first year
Re: Credit in Finland
You can get a credit card next month, 2yr from the registration date 12.05.2019
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- Posts: 42
- Joined: Tue Nov 21, 2017 10:43 am
Re: Credit in Finland
I'll try
meanwhile i've tried to purchase something from a shop and pay it in 6 instalments, and i have been told i must have 3 years of residency
meanwhile i've tried to purchase something from a shop and pay it in 6 instalments, and i have been told i must have 3 years of residency
Re: Credit in Finland
OP told me two years and it's true - they just approved mine.Sighthound wrote: ↑Sun May 09, 2021 8:08 pmI'll try
meanwhile i've tried to purchase something from a shop and pay it in 6 instalments, and i have been told i must have 3 years of residency
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- Posts: 10
- Joined: Sat Jul 10, 2021 10:13 am
Re: Credit in Finland
The thing with SPAM SPAM SPAM SPAM is that the bank has the flat or house as a security in case you can't pay back the loan.
Credit cards demand much more trust from the banks to the applicant. I've worked in a bank earlier (in my home country) and we had the same sceptisism with people who recently moved to the country asking for a credit card. The probability they move back early is in fact much higher than with people settled.
One can suggest to open a deposit account for the credit card so the bank has no real risk. Has anyone tried?
Credit cards demand much more trust from the banks to the applicant. I've worked in a bank earlier (in my home country) and we had the same sceptisism with people who recently moved to the country asking for a credit card. The probability they move back early is in fact much higher than with people settled.
One can suggest to open a deposit account for the credit card so the bank has no real risk. Has anyone tried?