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【PR】【独自審査で通過率アップ！】中古車自社ローンの総合案内
車が欲しい！だけど、なかなか審査に通らない…そのような方は是非ご相談ください！
最短10日で納車の“自社ローン”により、お客様の充実したカーライフをサポートします。
- 自己破産・任意整理など金融事故の経験がある
- 支払いの遅れが過去にあった
- オートローン審査に通らない
- 自営業をしている
- 勤続年数が数ヶ月
このような方でもご利用いただけます。
今回は、自己破産後にローンは組めるのかどうかについて、解説いたします。
自己破産した後も、ある一定の期間が過ぎればローン契約を結べることは十分に可能です。
今回はローンを組めた際の体験談など詳しくご紹介いたしますので、気になる方はぜひ、参考になさってください。
自己破産後にローンを組むには何年かかる？
自己破産をすると、一定期間ローンが組めなくなるのはご存知の方も多いはずです。
そもそも、自己破産とは、「債務の返済が困難であることを裁判所に認めてもらい、債務の支払義務を免除してもらう手続き」のことであり、支払義務が免除される代わりに、一定期間車や住宅などのローン審査を通過できなくなります。
今回はまず、「なぜ自己破産をすることでローンが組めなくなるのか」を解説いたします。
自己破産後ローンが組めない理由
自己破産をすると、その事実が信用情報機関に金融事故の記録として登録されるため、ローンが組めなくなります。
ローン会社やクレジットカード会社は、ユーザーから分割購入の申込みがあった時点で、まず信用情報機関に登録されている信用情報の照会を行います。
その照会によって自己破産など、過去の金融事故が認められた場合、返済が不能になる可能性があると判断され、審査に通過できません。
但し、金融事故の記録は永久に残るわけではなく、一定期間で削除されることになっています。
削除されるまでの期間は以下の通り、信用情報機関によって異なるのが通常です。
| 信用情報機関 | CIC（株式会社シー・アイ・シー） | JICC（株式会社日本信用情報機構） | KSC（全国銀行個人信用情報センター） |
| 任意整理 | 完済から5年 | 完済から5年（ただし2019年9月30日以前の契約は受任通知の送付日から5年） | 完済から5年 |
| 個人再生 | 完済から5年 | 完済から5年（ただし2019年9月30日以前の契約は手続開始決定日から5年） | 手続開始決定日から10年か、完済から5年のいずれか遅い方 |
| 自己破産 | 免責許可決定確定日から5年 | 免責許可決定確定日から5年 | 手続開始決定日から10年 |
見てわかる通り、遅くとも手続きが開始されてから10年後には、事故情報は削除されますので、その後は十分にローンを利用できる可能性があります。
自己破産後にローンを申し込むための準備とは？
自己破産後に、新しくローンを申し込む際の準備として行うべきことは、事故情報が削除されているかどうかの確認です。
自己破産後に、ローンの申込みを行う場合は、信用情報の開示請求を必ず行うようにします。
各信用情報機関は、本人から申請を受けることで、信用情報を開示する制度を設けており、これを行うことで、事故情報が残っているかどうかを確かめることができるのです。
先にも述べた通り、信用情報機関によって事故情報の保有期間が異なっているケースも考えられるため、審査に影響が及ばないよう全ての信用情報機関に開示請求し、自己情報が削除されているか確認すると良いでしょう。
自己破産後にローン審査に通るための方法は？
これまで述べてきた通り、自己破産後であっても、一定期間が過ぎ信用情報機関の事故情報の記録が削除されていれば、ローンを組める可能性は大いにあります。
ただし、事故情報が削除されて誰でもすぐに、ローン審査を通過できるかといえばそうでは無いため、ローンをもう一度組みたいと考えている人は、以下の準備を行い万全の体制を整えておくと良いでしょう。
自己資金をできるだけ多く集めておく
例えば、住宅や車など、大きな金額の買い物をする際は、できる限りあらかじめ自己資金を集めて頭金を多く準備しておくことが望ましいです。
頭金を多く準備しておくことで、信用度は上がり審査の際には有利に働きます。
これまで返済に充てていた分を貯金し、頭金に回せるお金を貯蓄できたという実績は「返済能力がある」「家計管理能力がある」ということを示すことにもなります。
信用度が高まる努力を怠らない
新しくローンを組む前には、信用度が高まる履歴を作っておくことをおすすめします。
信用情報機関には、ローンやクレジットカードの申込み状況・支払状況・携帯電話料金の支払状況なども記録されており、5〜10年後に自己破産の記録が消えたとしても、ほかの支払が滞っていれば、信用度は下がり、結果的に、ローンの審査に通りにくくなってしまいます。
むやみにショッピングでローンを利用したり、うっかり支払いの滞納などをしたりしないように注意し、信用度が高まる努力を忘れないようにしましょう。
収入を安定的に確保できる状況を作る
ローンの審査では当然ですが、返済能力が十分にあるかどうかが確認されます。
もちろん、アルバイトよりも正社員のほうが安定的に収入があると評価をされ、同じ正社員であっても長く勤務している人のほうが信頼度は高くなり、審査では有利になります。
計画どおりにきちんと返済してくれるかどうかがローンにおける重要な審査ポイントになりますので、職歴・経歴の面からも返済能力をアピールできるようにしておくと良いでしょう。
自己破産の免責対象になった会社でのローンは避ける
自己破産の免責対象になった会社でのローンは避けた方が無難です。
免責対象となった会社では、例え信用情報機関の事故情報が消えたあとだとしても、社内でその記録を保持していることも少なく無いため、ローンの審査に通りにくい傾向があるのです。
例え同じ会社ではなくても、系列会社である場合、情報が共有されている可能性も高いため、利用は控えておいたほうが無難でしょう。
また、ローンの審査に落ちてしまうと、その記録も信用情報機関に残るので、他社の審査にまで通りにくくなってしまう懸念もあります。
自己破産後にローンが組めた実際の体験談
次に、実際に自己破産後にローンが組めた体験談を紹介します。
Aさんのケース
- 申込時の年齢 20代（65歳未満で完済予定）
- 住宅ローンの融資額 1500〜1700万円
- 住宅ローンの名義 共同名義（ペアローン）
- 連帯保証人の有無 あり
- 頭金の有無 あり（200〜300万円未満）
- 自己破産からの期間 約8年
自己破産から5年経過して、ある程度貯金ができるようになりました。
現在では収入も安定しており、住宅ローンもスムーズに組めた上に、クレジットカードの審査にも通過しております。
自己破産してから約8年ですが、自己資金も保有でき、ある程度の信頼回復ができたのかなと感じています。
Bさんのケース
- 申込時の年齢 30代（65〜69歳で完済予定）
- 住宅ローンの融資額 1500〜1700万円
- 住宅ローンの名義 自分の名義
- 連帯保証人の有無 あり
- 頭金の有無 あり（200〜300万円未満）
- 自己破産からの期間 10年以上
私はかつて、パチンコで多額の借金をしてしまった経験があり、生活困難から自己破産を経験しています。
それから10年経ちましたが、住宅ローンを利用するべく審査に応募したところ、頭金300万円ほど用意したことが評価されたのか、見事に通過でき、住宅ローンを組めたので非常に有り難かったです。
まとめ
以上、自己破産後のローン契約について、解説いたしました。
これまで述べてきた通り、信用情報機関が定めた、ある一定期間を過ぎ、しっかりと準備をしておけば、自己破産後も十分にローンを組める可能性があります。
自己破産を経験しており、ローンについて気になっている方は、ぜひこの記事を参考にしてみてください。
また自己破産後の生活に関してはこちらも参考にしてみて下さい。
安心の自社ローン会社ランキング
「車が欲しい！だけど、なかなか審査に通らない…」
そんな理想をカタチにする、【最短10日】で納車の柔軟で魅力的な“自社ローン”により、
お客様の充実したカーライフをサポートします。
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
●自己破産・任意整理など金融事故の経験がある
●支払いの遅れが過去にあった
●オートローン審査に通らない
●自営業をしている
●勤続年数が数ヶ月
~~~~~~~~~~~~~~~~~~~~~~~~~~~~
このような方でもご利用いただけます。
| 営業時間 | 10:00～19:00 |
|---|---|
| 定休日 | 年中無休（年末年始除く） |
| 保証人有無 | 要相談 |
| 頭金の有無 | 要相談 |
| 金利の有無 | 無 |
| 支払い回数 | 最長84回 |
| 取扱機種 | 軽自動車、ミニバン、HV、コンパクトカー、セダン、SUVなど |
| 対応エリア | 全国 |
| 住所 | 東京都品川区東五反田1-6-3 いちご東五反田ビル3階 |
|---|---|
| 営業時間 | 10:00～19:00 |
| 定休日 | なし |
| 保証人有無 | 要相談 |
| 頭金の有無 | 要相談 |
| 金利の有無 | 無 |
| 支払い回数 | 要相談 |
| 取扱機種 | 軽自動車、ミニバン、HV、コンパクトカー、セダン、SUVなど |
| 対応エリア | 全国 |
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