Being listed on the black list of banks, one of the worst things that can happen to you in the area of ​​finance is the negative debt list of the Central Loan Information System. Luckily, there is nothing to lose, there is a chance to beautify the situation, and you may even have the opportunity to take out a personal loan. We’ve gathered your options if you were on the dreaded list, but you would need a loan.

What is Negative Credit?

What is Negative Credit?

It is commonly referred to as the BAR list in the public language, you may have heard of it, but its current exact name is Negative Credit, the Central loan Information System, in which all clients are currently in active or passive debt. and update it, as they can determine how risky it is to give a loan to a particular customer. Every bank sees the same database, so if you can’t repay your existing loan at “A” bank and have any backlogs, then it is in vain you need another loan from bank B, he will refuse the request by referring to your debt at bank A.

On the one hand, this system protects loan institutions, as they can prevent mortgage loans or personal loans to customers who are unlikely to be able to pay the installments. On the other hand, it also protects customers from getting into a deeper debt spiral.

The Negative Credit is not just about collecting default debtors. Properly repaying customers may have a positive view of their positive data, and it is in their interest, as a positive loan history may be more favorable and quicker when applying for a later loan. Those on the negative list do not have this choice, their loan repayment conditions will be included in the database.

Where can I see if I’m on the list?


According to the law, anyone is entitled to ask for official information about their own situation. The request can be made through BISZ Zrt. And through the so-called reference data provider (eg from the bank where you have your loan). The Own loan Report can be requested by post and in person. Both trips are free, nothing goes wrong for you.

You can find out more about the application process on the page of BISZ Central loan Information Ltd. , here the retail Central loan Information System is available.

Why did I get into the negative CCR list of Negative Credit?

A customer will be added to the list if he / she does not pay the installment for at least 90 days and the debt exceeds the amount of the minimum wage. The 90-day counting starts when the default exceeds the minimum wage. The two unconditions must be met at the same time, so if you were already late, but the debt was less, the counter did not start. Counting the 90-day period will restart if the omission returns to the minimum wage. It is worthwhile to seek accurate repayment and be sure to keep the amount of the default under the minimum wage. If you can’t pay the monthly installment in one amount, you also have the option to cancel in smaller installments.

What happens if you are on the negative list?

For most banks, if you are on the negative debtor list, you have a negative reason for applying for a loan, so if you can, try to avoid this situation. If, however, you are in a situation where there is no other solution, only applying for a loan is, under certain conditions, a financial institution where it is possible.

The Central loan Information System not only protects the banks, but also the customers, as loan that can be taken without adequate collateral can easily lead to a decade of fears of foreign currency lending. It is therefore worthwhile to think more about your options and choose a solution that fits into your monthly budget and makes it easier, not more difficult for your financial situation.

Here’s the Personal Loan Calculator to help you compare the best deals on banks and choose the one that suits you best. Loans can be sorted by bank, monthly installment, APR and total refundable amount.

How do I get out of the Negative Credit’s negative debtor list?

How do I get out of the Negative Credit

If you want to get out of the blacklist, you have the following options.

If you can repay your full debt, you must prepare for the following conditions:

  • you must meet your outstanding debt (default)
  • you will then be in passive status on the debtor list
  • you will have to wait a year from the default, only then will your data about the default be deleted from the system.

If your loan agreement has changed due to your default, and you were able to repay the debt, the data will be stored for another five years. In the event that no repayment takes place in any form, data will be displayed in the system for 10 years from the start of the default.

In any subsequent loan application, the bank also takes into account that your default is active or passive, so it is important that you understand these concepts. Active omission occurs when the debt still exists, so live. Passive debt is what is already closed, or what is ordered, and for which the limitation period has already begun.

What are your options for borrowing as a negative Negative Credit?

In the event of financial difficulties, the most flexible and fastest way to get help is through a personal loan if you can only save your borrowings because:

  • there is no overpowering cover
  • no need for self-power
  • in most cases it is free to use, so you move to what you want
  • typically with fixed interest
  • can be claimed from 100 thousand forints
  • your regular monthly net income is sufficient to claim.

For most banks, one of the criteria for picking up a personal loan is that the claimant should not be on the Negative Credit’s negative debtor list, so you can see that there is no easy situation for someone who has been added to the list and wants to borrow. The solution in this case may be to involve a taxpayer in the loan agreement. It is important that the taxpayer has regular primary income and not be included in the Negative Credit’s negative debt list. In the case of a joint contract, the taxpayer also assumes responsibility, as he is also responsible for the continuous and proper repayment of the loan. The taxpayer must have practically the same conditions as you. The bank will calculate the amount, the maturity and the installment based on your income.

Which bank can you borrow if you are on the negative debtor list?

If you do not have the opportunity to involve a taxpayer and claim a personal loan for a negative Negative Credit escort, you are not lost, you still have a chance. Under certain conditions, there is a loan institution that is ready to lend to you even if you have an active or passive default on the Negative Credit’s negative debtor list. The calculations of our loan calculator that provides Negative Credit customers with the opportunity to show that Active Negative Credit at Provident is not necessarily a valid reason. We have collected what you need to know if you want to apply for a personal loan as a Negative Credit:

  • you can’t raise more than one million forints,
  • you will need an employer certificate
  • you have to prove that you have primary income,
  • you must be a legal age to claim a loan
  • you must have a registered Hungarian address
  • you must have your own or a shared retail bank account (this is not required if you use the “Home Service”),
  • the Provident loans have a typical weekly repayment;
  • compared to other personal loans because of Negative Credit, you can expect a very expensive offer if you decide to apply for a loan.

Your primary income is your pay, which your employer pays you. In addition, the bank also considers the pension as primary income and, if you are an entrepreneur, the wage paid to yourself. In addition, there are so-called secondary incomes that banks are not able to count on their own, but they are accounted for by the primary income. These include GYES, GYED, family benefits, various social benefits, scholarships, dividends and shares, etc.

Don’t let them put on the blacklist!

You can see that it is very easy to get into the negative list of debtors, if only the minimum wage exceeds your backlog and this is the case for 90 days. If you go, it is very difficult to get a loan, but it is not impossible to calculate.

Do you have a negative debtor list and are you thinking of a personal loan? Use the Personal Loan Calculator and choose the best deal for you! It is important that you choose this solution only if you think that it will not be a problem to pay for the newly recruited loan, otherwise you may be in a debt spiral, which will be a more serious problem for you than you have to deal with now.

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