How to get CIB report | How to get a loan | How to determine credit score on CIB report | CIB Report

How to get CIB report?
Generally CIB report is not available by itself. It is collected from the central bank through the concerned bank or financial institution and charges are taken from the customer for this.
How can a person know whether to get a loan or not?
Generally, Bangladesh Bank has a CIB report if a person has previously taken a loan from a bank or financial institution. And CIB report has 7 steps. Out of these seven steps of status, a person gets loan for the first three steps of status and no person gets loan for the next four steps. Step 7 is mentioned below
1. CIB Nil- There will be no problem in getting loan if CIB report is Nil.
2. STD - (Standard) There were some problems in the previous loan, in this case there will be no problem in getting the loan
3. SMA - (Special Mention Account) Customer may have loan from some grantor or any other bank. If that bank allows the loan then you will get the loan.
4. S.S -(Sub Standard) customer loan will not get loan
5. DAF - (Doubtful) Customer Loans Don't get loans
6. BL - (Bad Loss) Customer will not get loan
7. BLW - (Bad Loss Write off) Customer will not get loan
How is CIB report credit score determined?
Credit is determined when a person has previously taken a loan from a financial institution and has paid off the loan in installments. In this case your credit can be of two types, good and bad. Which one is good and which one is bad is discussed.
Your report will definitely look good when you pay off the loan taken on time in every installment. On the other hand, if for some reason you are unable to pay the loan amount in installments, then the report will also be bad. When you go to apply for a loan in a bank, your report will be checked.
A funny thing happens in this case. Suppose you take a loan from a bank and after all the installments you have a fixed amount left. To understand, I assume that the amount of money is 2001 rupees. After all, you paid 2000 taka or the bank deducted 2000 taka from your account as a result of depositing it in the bank. Now that 1 rupee of loan is left, your CIB report will show bad credit result for this 1 rupee. As a result, you may not be given a loan according to your report when you take a loan from a bank or financial institution later. Moreover, if the CIB report of the person you nominate and apply for the loan is bad, you will not get the loan. To fix the report you should pay the amount owed to the bank from which you took the loan.
CIB Report You can never create or edit your report on your own, even if a bank wants to improve your report.

[@mnl9004]

পার্সোনাল লোন ছিল, পারিবারিক সমস্যার কারণে ই-রেগুলার কিস্তি দিয়েছিলাম, একটা সময় টোটাল টাকা পরিশোধ করে NOC নিয়েছি ৪-১০-২০২১ সালে। আমি নতুন করে একটা ক্রেডিড কাড্ এর জন্য এপ্লাই করেছিলাম ১২-১১-২০২৩ তারিখে, ব্যাংক থেকে বলেছে CiB রিপোর্ট খারাপ আসছে দেওয়া যাবে না। CiB report--- **repayment issues** আসছে..!! ভাইয়া এখন আমি কি করবো please Advise me....???

[@hkworld5964]

Credit score check korbo kivabe ?

[@sazzadhossain338]

Eto hisab kore loan dai tahole eto rinkhelapi hoi kan

[@Sazzad895]

Amr CIB te babar nam vul ase ata kivabe thik korbo

[@syedmorshedatikshaon2600]

cib রিপোর্ট পেতে সাধারণত কয়দিন সময় লাগে

[@mahfuzerrahman1544]

CIB report নিতে কতদিন সময় লাগে

[@zihadhassan772]

সিআই ভি রিপোর্ট কি ভাবে করা যায়

[@AdiLPlayYT-BD]

valo kore kotha na bolle kmne bujbo bhai

[@mnl9004]

পার্সোনাল লোন ছিল, পারিবারিক সমস্যার কারণে ই-রেগুলার কিস্তি দিয়েছিলাম, একটা সময় টোটাল টাকা পরিশোধ করে NOC নিয়েছি ৪-১০-২০২১ সালে। আমি নতুন করে একটা ক্রেডিড কাড্ এর জন্য এপ্লাই করেছিলাম ১২-১১-২০২৩ তারিখে, ব্যাংক থেকে বলেছে CiB রিপোর্ট খারাপ আসছে দেওয়া যাবে না। CiB report--- **repayment issues** আসছে..!! ভাইয়া এখন আমি কি করবো please Advise me....???

[@nainai42077]

Contact the bank who issue noc. If they said they can't do nothing. Then ask police station for help they will guide you. Or talk with Bangladesh bank any ad or this related post people.