3 Simple Tips What To Do To Denied Credit

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2018-03-19 07:55:46

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Need to borrow money and to them it is very important for you. You are interested in various offers and are you thinking how to make so that you do not have to accept the loan.

Each person has their own situation, so the nature of these concerns can be very different. Someone has a bad credit history. Someone gets a good salary, but in the envelope. And someone takes the credit for the first time and just is not how to fill out a Bank questionnaire.

The Following tips will help you to understand what to do to not refused the loan.

1. Select the organization that is appropriate for your situation

In the credit market there is an unspoken rule: the easier it is to get a loan, the more interest rate. Important for us is not the fact, and the reason why this is so. Rate is greater, the greater the degree of risk from Bank's point of view. Risk the Bank understands the peculiar. The more you have of certificates and documents, proving your ability to pay, the less danger sees the Bank and the lower the rate.

Here is the first conclusion: evaluate your ability to open to the creditor. Work "in the white", ready to provide a 2-NDFL, a copy of the labor and other help - go to the big banks and don't be afraid - chances of getting the loan is very high. If papers problem and need money urgently, look for organizations that are ready to give Quick loan no references.

2. Fill out the form like a machine

You came to the Bank and you are asked to complete the questionnaire. Keep in mind that the clerks of such questionnaires, tens and hundreds. They love when the information is stated as clearly as possible and to the point. Moreover, in the first test of the questionnaire provides computer program.

Thus, write all official "accounting" language. Work in - "OOO such and Such". Income: XXX rubles/month. Pay special attention to the purposes of the loan. Better to write that he is taken for the purchase of any goods of long using. The questionnaire is no place for creativity. Lyrical applications can be rejected automatically. Just can get to the basket applications with minor errors or misspellings from the point of view of the person, but critical for a computer.

3. Write authentically, with nothing to hide

Too many people try to hide information about their bad credit history. Some even indulge in fraud with false passports. Such cases only amuse the security service of the Bank.

If the Bank will ask to check you, it is easy to find information in the credit Bureau and in other places that you don't even suspect. If you have had problems in the past, but they are already behind - better to explain to the Bank employee. Along with this, provide documentary evidence of your current pay.

On the other hand, you may not need anything to describe. Remember item 1? Organization issuing A loan in one hour no references often not at all interested in your sources of income.

* * *

I hope that these tips have helped you decide what to do to not refused the loan and gave you confidence before going to the Bank. Finally, we advise to carefully read everything you sign, and make sure to calculate the full cost of the loan. Do not go into debt so that payments were more than 40% of your monthly income. This will protect you from the debt trap.


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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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