Under the provisions of the Central Credit Register Act (ZCKR), the Housing Fund of the Republic of Slovenia is a member of the information exchange system – SISBON.
SISBON enables the exchange and processing of personal data on customers, natural persons, between banks, savings banks and other legal entities. SISBON is thus set up to manage the credit risk of banks, savings banks and other creditors in order to ensure responsible lending, sustainable borrowing and prevent over-indebtedness of individuals.
SISBON collects and processes data relating to the actual and potential indebtedness and correctness of the fulfilment of contractual obligations of natural persons, individuals. This information is additional to the information already held by the banks to determine their creditworthiness, which in turn determines the approval of the transaction and the terms of the service.
On the basis of the SISBON system view, the system member shall ascertain, on a given date, the actual indebtedness of the (potential) customer and/or guarantor, who is a natural person (in the case of transactions concluded by natural persons or business entities) as well as the potential liability of the (potential) customer and/or guarantor and the fulfilment of the contractual obligations.
The accesses shall be carried out in accordance with the purposes laid down in the ZCKR:
Only authorised persons of the controller and of the member or creditor involved shall have access to the customer’s data in SISBON. The Member may consult the data solely for the purposes of:
- assessing the creditworthiness of the borrower and the credit risk that would arise or has arisen in connection with the execution of a credit transaction,
- recovery of overdue liabilities,
- resolving a complaint from a customer,
- audits and
- updating the data to be included in SISBON.
For more information, visit https://sisbon.si/. The rights of clients are listed at https://sisbon.si/pravice-komitentov-2/.
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Based on the provisions of the Central Credit Register Act (ZCKR), the Housing Fund of the Republic of Slovenia is a member of the information exchange system – SISBIZ.
SISBIZ is an information system for the exchange of data and information on the indebtedness of business entities, which allows members of the system to access individualised data on the indebtedness of each business entity, for the purposes set out in Article 21(1) of the ZCKR.
SISBIZ is established to effectively assess and manage the credit risk of the System’s member creditors in relation to the conclusion and performance of credit transactions with business entities and to promote policies and measures for responsible lending, sustainable borrowing and the prevention of over-indebtedness of business entities.
Only authorised persons of the controller and of the member or creditor involved shall have access to the data in SISBIZ.
The Member may consult the data solely for the purposes of:
- Assessing the creditworthiness of the borrower and the credit risk that the member would incur by entering into a particular credit transaction or that arises in connection with the performance of the credit transaction,
- Complaints, recoveries and audits,
- Updating the data to be included in the information exchange system.
For more information, visit https://vsebina.bsi.si/sisbiz/sl/informacije-o-sistemu-sisbiz.aspx.
The rights of business operators are listed at: https://vsebina.bsi.si/sisbiz/sl/pravice-poslovnih-subjektov.aspx.