Which bank will give 100 percent credit? Conditions for obtaining a loan

It's no secret that when applying for a loan, the potential borrower expects a positive decision on the application. But, faced with creditors at least once, citizens come to the conclusion that obtaining a loan can be a problem. Someone has difficulties with work or an inappropriate age, and someone has had time to warm up with a previous loan. Which bank will give 100 percent credit in this situation? In fact, there are organizations that are ready to meet clients in any circumstances.

Can the bank give a 100% guarantee of issuance?

Any bank that deals with lending to the population expects to get their money back. And with interest accrued on the contract, because the creditor must also make money on his services. Therefore, the solvency and responsibility of the future borrower is what primarily matters to the financial institution.

In this regard, few can tell the future borrower, where to take the loan so that they give. If any credit institution unconditionally lent out loans to anyone who wanted, regardless of age, employment and other criteria, banks would no longer exist.

The principles by which the financial institution makes a decision depend on the specific creditor. There is also a dependence on specific lending programs. Thus, express loans for a minimum amount do not carry a large risk for the bank, and the probability of a default is covered by a wild interest rate and insurance programs that can be paid immediately upon receipt of money. In such circumstances, a bad credit history has chances to be unaccounted for. Which bank will give credit in this case? We'll find out later.

What factors guarantee a positive decision in any bank?

If the borrower manages to prepare for a loan in advance, then he will not be too interested in the question of which bank will give 100 percent credit. Credit organizations present to potential customers requirements that are sufficient to meet:

• Presence of originals of identity documents (Russian passport and additional document);
• Certificate of income from the job (some banks allow not only 2-NDFL, but also alternative options);
• Contact persons, to which you can get through and ask the client;
• Positive credit history.

In addition, specialists will necessarily pay attention to other personal data of the client, which will indicate its stability and reliability. If the borrower is married, for a long time does not change the place of residence or permanent residence, has not changed his job for a long time - most likely, one can expect responsibility from him.

If the borrower meets all of the above criteria, he has nothing to fear. Most likely, the decision on his application will be approved, moreover - they will offer the most favorable conditions. If the client has the reverse circumstances with which he came to the bank, then proceed to the next paragraph of the article.

Which bank will give 100 percent credit?

Despite the high demands of most creditors, it is still possible to identify several large financial organizations that are ready to meet almost anyone. Of course, these banks also have their limitations, but first of all they concern the age of the future borrower and his employment.

The highest percentage of approval is seen in banks:

• "Russian standard".
• "Renaissance".
• "Tinkoff".
• "Home Credit".
• "Trust".
• "Alfa Bank".
• "Orient Express Bank".

These credit institutions offer quite a wide range of interest rates - from 15 to 75% per annum. These banks have chances to get loans and those clients who have some problems with credit history. The presence of open arrears, unfortunately, in any bank will be a 100 percent guarantee of refusal.

Is it possible to issue a loan to an unemployed person?

Which banks give non-working loans? To answer this question, it is necessary to understand the very concept of "unemployed". Citizens who have an able-bodied age and good health, but are not officially employed, have little chance of obtaining a loan. The matter is that recently security services of the bank have access to data of pension funds of the Russian Federation, and if necessary an unemployed citizen and his real income are easily calculated.

Another thing is pensioners. Some financial institutions are ready to meet the borrowers of retirement age, who only have a pension as a permanent income. These institutions include a very large organization - Gazprombank. In addition to loyalty, the applicant can count on preferential credit terms. Of course, if the credit history is in order.

Where can I get a loan for the unemployed, in the credit history of which the sins appeared? You can apply at Renaissance, Alfa-Bank or Sovcombank. In these organizations, from pensioners and other unemployed citizens do not require much information, but the interest rate, to put it mildly, leaves much to be desired.

How much you can expect

Many borrowers who understand that their chances of a positive decision from the bank are small, ask the question: "How much can I take?" Of course, there is not much credit, but you will have to count on minimum amounts.

This is especially true for unemployed customers. In these cases, you rarely have to count on an amount in excess of 200 thousand rubles. The generosity of the bank is directly proportional to the interest rate. This is due to the risk of the entire event for the lender. So, in "Gazprom" a pensioner can count on a rate of 11%, but at the same time get on hands can not more than 50 thousand rubles.

Those working citizens who for various reasons doubt their credit history and turn to banks with an increased level of loyalty, for example, "Tinkoff", have the right to expect the amount of up to 300 thousand rubles. But even if the future borrower can provide 2-NDFL and confirm his income, he should expect an interest rate of at least 39-47%.

Microfinance institutions

In the Bureau of Credit Histories there are several types of stories of borrowers. So, according to the classification of BCH, not the worst option is a spoiled, or bad credit history. Which bank will give loans to borrowers with a bad credit history? It turns out that if in the first case the client had any chances, then with the hopeless loans to large financial organizations the road is closed.

Help comes to microloans. Microfinance organizations are ready to lend even the most unreliable borrowers. But with MFIs it's worth to be more careful - not all of them are legal. Before applying for a microloan, it is worth checking the legality of the MFI.

One of the significant shortcomings of a microloan is a high interest rate, too small loans and short terms. But there are situations in which it is not necessary to choose.

How to increase the chances of obtaining a loan

How to be if the applicant is not ready to apply to the MFI, and does not expect to receive a loan from a large bank? Some experts advise to increase the chances of obtaining a loan by submitting online applications to several credit organizations. Perhaps somewhere a borrower will get a lucky ticket.

But the best guarantee of unhindered registration of a loan will be a responsible attitude to previous debts and to their own employment. Which bank will give 100 percent credit in this case? Practically anyone!