Need info about "henkilökortti" & banking in FIN!

dusselmann · Post by **dusselmann** » Mon Sep 14, 2009 7:28 pm

Hi there,

I am looking for somebody who has some banking skills in Finland. I need some information about the "henkilökortti", about the Know Your Customer process when a customers wants to apply for a loan via internet. Which documents are necessary? Is it legally enough to identify the customer with an online signature and its electronic ID ("henkilökortti")?

I would be delighted, if somebody can give me some more information.

Best regards
Dussel

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Pursuivant · Post by **Pursuivant** » Mon Sep 14, 2009 8:58 pm

Basically once you establish yourself with a bank; have 2 years of credit history; and have the bank "keys" then you can get a loan.. the loanshark businesses give one if you have a telephone account, not prepaid; and giving someone an account usually requires the same. The ID card signature... ummm... you have a card chip reader keyboard?

dusselmann · Post by **dusselmann** » Tue Sep 15, 2009 11:46 am

Thx for your response. To request a loan in the internet - is there really only a phone number required by the banks? Which information are you asked for and how does the bank secure that YOU and not another person requested the loan for you? Can you please rough this out?

Pursuivant · Post by **Pursuivant** » Tue Sep 15, 2009 1:18 pm

you is you is you... its like having ATM card and giving the PIN code to someone else if its not you

dusselmann · Post by **dusselmann** » Tue Sep 15, 2009 1:59 pm

with the id card, yes - but with a phone number?

onkko · Post by **onkko** » Tue Sep 15, 2009 2:34 pm

dusselmann wrote:with the id card, yes - but with a phone number?

There are companies who give you a 50 to 500e quick expensive loan if you have nonprepaid public phone number and bank account with same name.

dusselmann · Post by **dusselmann** » Tue Sep 15, 2009 2:50 pm

Thank you for your input, onkko. What about higher amounts?

How are the phone number and bank account checked before accepting the loan? By transfering the money to the account and calling the customer? Is there no need to have a written contract or sth. like this?

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