3 Simple Councils What To Do To Not Refuse In A Credit

You need money in debt and getting them is very important to you. You are interested in various proposals and you are visited by the idea of how to make sure that you are not refused a loan.

Each person has his own situation, so the nature of these fears can be very different. Someone has a bad credit history. Someone gets a good salary, but in an envelope. And someone takes credit for the first time and simply does not know how to fill in bank forms.

The following tips will help you figure out what to do so that you are not denied credit.

1. Choose an organization that suits your situation

In the credit market there is an unspoken rule: the easier it is to get a loan, the greater the interest rate. It's not the fact that matters to us, but the reason why it happens that way. The higher the rate, the greater the risk from the perspective of the bank. The bank understands the risk in a peculiar way. The more you have certificates and papers confirming your solvency, the less danger the bank sees and the lower the rate.

Hence the first conclusion: evaluate your opportunity to open before the creditor. You work "in white", are ready to provide 2-NDFL, copies of labor and other certificates - go to big banks and do not be afraid - the chances of obtaining a loan are very high. If you need problems with paper and money urgently, look for organizations that are ready to issue a quick loan without information.

2. Fill out the questionnaire like a machine

You came to the bank and you were asked to fill out a questionnaire. Keep in mind that clerks of such questionnaires have dozens and hundreds. They are very fond of when the information in them is indicated as clearly as possible in the case. Moreover, first of all, the questionnaire is checked by a computer program.

Therefore, write all official "reporting" language. You work in - "So-so LLC". Income: XXX rubles / month. Pay special attention to the purpose of the loan. It is better to write that it is taken for the purchase of some durable goods. The questionnaire is not a place for creativity. Lyrical applications can be rejected automatically. In the same way, applications with non-material errors or typos from the person's point of view, but critical for the computer, can get into the basket.

3. Write authentically, do not hide anything

So many people try to hide information about their bad credit history. Some even get involved in fraud with false passports. Such cases only amuse the security service of the bank.

If the bank asks to check you as it should, it will easily find information in the credit bureau and in other places that you do not even suspect. If you have had problems in the past, but they are already behind - it's better to explain this to a bank employee. At the same time, provide documentary evidence of your current solvency.

On the other hand, you may not need to describe anything. Remember item 1? Organizations issuing credit for an hour without certificates are often not at all interested in your sources of income.

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So, we hope that these tips have helped you decide what to do so that you are not denied credit and gave confidence before going to the bank. Finally, we advise you to carefully read everything you sign, and also to calculate the full cost of the loan. Do not borrow so that payments are more than 40% of your monthly income. This will protect you from the debt hole.