How to get a loan with a bad credit history

Every second loan is used in our country. They allow you to buy your favorite thing at once, without spending several months or years on savings. Many, especially in their youth, sin an untimely payment of a loan. "You think, I paid a day (for a week) later for a new cell phone, so I paid the same." At the same time, they do not suspect that due to such delays, a negative credit history is formed. People are thinking about how to get a loan with a bad credit history only when the banks start to refuse them. Sometimes the reason for delinquencies is not simple negligence, but objective financial problems. One should only recall the crisis of 2008 , when thousands of people were left without work and could not pay monthly payments. Many of those people in a few years, when their financial situation was straightened, faced a serious problem of how to get a loan with a bad credit history.

The answer to this question is one - the credit history (in simple terms - the confidence of banks) will have to be restored. It's not a quick thing, but it's real. Do not think that five years ago, late payments for a cheap TV set up a mortgage. To restore trust, before you get a loan with a bad credit history, you can take a loan in the store for an inexpensive iron, water heater or DVD player. It is unlikely that the bank will refuse in this case, because the loan amount is small. Remains only monthly pay it with the specified "portions". Do not also close the loan ahead of time. Banks, as a rule, do not like too zealous payers, because in this case they do not benefit from interest.

When the first loan is successfully closed, you can take a second, more, because for sure in the apartment or house there is something that is long overdue to replace. You can buy a plasma TV, a good vacuum cleaner or put interior doors. The second option is to borrow cash from the bank. A few, albeit small loans, will significantly correct a not very brilliant credit history. Then it is already possible to make out a loan for an apartment or a car, in general, for what you wanted initially. Of course, in this case it is necessary to pay it without delays, then again not to puzzle over how to get a loan with a bad credit history.

Well, one more option that can be used is to contact the intermediary firm. Before you take out a loan with a bad credit history, you will have to pay them a reward, but often it's worth it.

A bad credit history is not the only problem. Many are interested in the question of how and where to take a loan without certificates of salary. Sometimes it is more difficult to get a loan with a negative history.

"Gray" salary in envelopes will surprise no one, including banks. Many of them, wanting to attract customers, immediately indicate that they give money without certificates (sometimes insuring risks by guarantors), sometimes even without guarantors. Of course, the probability of remaining without your money for the bank in this case increases many times - in words your real salary can be increased by 5-10 times, as far as imagination and conscience allow. Most often, the borrower does not have an initial intention to deceive the bank - he just wants to get money here and now, and later simply can not cope with the increased financial burden. The bank compensates its risks in this case with an increased rate on the loan - at least 1.5-2 times higher than under similar conditions, but with a certificate.

If you do not want to overpay, you should ask the accounting department to sign a 2-NDFL certificate with real wages or indicate several sources of income. Another option that a credit expert can go to (although if it's not about large amounts) is to call the employer who will confirm the real salary. Sometimes banks agree (as, for example, in the case of mortgages) take into account all incomes. This kind of generosity is explained very simply: the bank still has collateral that it can take away if the borrower becomes insolvent.