Finante in Germania

Ce este Schufa in Germania?

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SCHUFA – cu aceasta abreviatura se intilneste fiecare strain in Germania.  Fara adresarea in aceasta organizatie nu are loc incheiere nici unui contract, fie acesta un contract de Internet sau de telefonie, credit bancar ori deschiderea unui cont bancar in Germania. In ultimii ani chiar si pentru obtinerea unei chirii majoritatea agentiilor cer certificatul Schufa.




Ce este Schufa in Germania? 

Schutzgemeinschaft für allgemeine Kreditsicherung – asa se descifreaza Schufa. Este o asociatie care stringe toata informatia financiara despre toti locuitorii Germaniei. Ei analizeaza  informatia salvata despre o anumita persoana si fac o concluzie despre posibilitatea persoanei de a achita un credit, cu alte cuvinte ofera un rating de credit. Cind o firma sau o banca incheie un contract cu un client nou, ei se adreseaza la Schufa, in asa mod este mai usor pentru ei, sa inteleaga daca pot avea incredere in persoana data.




Daca informatia de la Schufa va fi negativa, se mareste posibilitatea refuzului in incheierea contractului, oferirea unui bun sau serviciu.

Din aceasta cauza Schufa in Germania este foarte importanta.

Cum Schufa colecteaza datele?

La moment in 2017, Schufa detine informatia despre peste 5 milioane de firme si peste 66 milioane de persoane, dintre care aproximativ 10% este negativa.

Schufa nu colecteaza singura informatia. Datele sunt transmise de catre cei 9000 de parteneri ai organizatiei, printre care sunt banci, companii de leasing, companii de telecomunicare, online magazine din Germania etc. Cel mai interesant este faptul, ca datele se transmit cu acordul clientilor acestor companii. Doar ca clientii nu stiu despre asta, mai precis nu isi dau seama. Practic in toate contractele si alte hirtii financiare este specificat, ca datele clientului pot fi transmise altor organizatii, printre care si Schufa.

De exemplu, o persoana deschide un cont bancar in Germania sau incheie un contract de telefonie mobila. In contract de regula este specificat „Schufa-Klausel” – conditia, ca conctractul dat va fi o insemnare aparte in baza de date Schufa. Alta varianta poate fi transmiterea datelor prin AGB –  conditiile generale de incheiere a contractelor.

Diverse situatii cind are loc completarea bazei de date Schufa:

  • deschiderea unui cont bancar in Germania;
  • primirea unui card de creditare;
  • adresarea la banca dupa credit, sau obtinerea unui credit in Germania sub orice forma;
  • primirea unui auto credit in Germania sau auto leasing;
  • contract de telefonie mobila;
  • contractul pentru electricitate.

Ce date colecteaza si salveaza Schufa?

In afara de datele personale – nume, familie, data nasterii, adresa – in baza sa de date, Schufa salveaza informatia despre termenul contractelor incheiate, adresarile pentru creditare, rezilierea contratelor inainte de termen, informatia despre toate platile intirziate, deschiderea si inchiderea contului bancar etc.

In primii ani de trai in Germania, orice persoana proaspat venita lasa zeci de „urme financiare.” Si cel mai rau e, ca din cauza necunoasterii sau comiterii unor greseli nimic bun Schufa nu va zice despre aceasta persoana.

De exemplu, merge o persoana la banca dupa citiva ani de trai in Germania si primeste refuz sau un credit cu un procent mai mare decit cel mediu oferit de aceasta banca. Ca raspuns cei de la banca vor zice ca „Schufa este rea” si punctum. Nu deoarece ei vor sa va dea un credit cu procente mai mari sau sa ascunda motivul real de refuz al creditului, doar ca ei nu cunosc nimic despre Dvs, tot ce au ei, este punctajul oferit de Schufa, o cifra de la 0 la 100. Cu cit mai mare este cifra, cu atit mai multa incredere vor avea firmele in Germania fata de Dvs.

Mai jos gasiti legatura intre punctajul oferit in certificatul de bonitate de la Schufa si riscul de neindeplnire a clauzelor contractuale:

Punctaj Risc
>97,5%  minimal
95-97%  permis
90-95% intre permis si inalt
80-90% inalt
50-80%  fort inalt
<50%  critic

Despre calcul punctajului, modificarea datelor in baza de date si primirea certificatului de bonitate de la Schufa vom discuta in unul din urmatoarele articole.

225 Comments

  1. Pingback: Obtinerea unui credit in Germania – DeutschStart.de

  2. Tibil casiana zorina

    30 mai 2017 at 17:45

    As dori sa scot un credit dar stiu ca sunt in sufa.As dori o informtie sa stiu ce punctaj am si daca e posibitat daca as avea vreo sansa daca puteti sa ma ajutati.Multumesc

    • deutschstart

      26 iunie 2017 at 10:00

      https://www.bmfsfj.de/ pe acest site puteti afla in dependenta de landul unde locuiti unde sa inainati dosarul, deoarece difera de regiune la regiune

    • Vadim

      7 august 2019 at 18:40

      Cum sa scot shufa

  3. Ghita costel

    18 august 2018 at 22:39

    Vreau sa platesc sufa cum pot sa fac sa ma scoata de pe sufa

  4. Knorr Alexandru

    28 august 2018 at 23:12

    Buna seara, am o intrebare, ma poate afecta cu ceva in punctajul schufa daca am facut la banca sa pot intra pe minus pana in 3000 €? Avand in vedere ca schufa a venit pozitiv. Doresc sa iau in inchiriere o gasoniera , va multumesc ,

  5. Alexandru

    7 iulie 2019 at 14:09

    Pot face o finantare fara fluturași de salariu?tin sa mentionez ca suma este de 3000€

    • Bula

      27 iulie 2019 at 14:11

      Alexandru
      7 iulie 2019 at 14:09
      Pot face o finantare fara fluturași de salariu?tin sa mentionez ca suma este de 3000€

      in principiu da, daca gasesti pe cineva care va da 3000EUR fara siguranta, ca lucrati si fara dovada ca cistigati destul bani sa puteti plati inapoi.

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