Often, a borrower with a bad credit history who has debts in different banks again needs borrowed funds. Where to apply in this case, what to do and whether it is possible to get another loan without paying off the debt - these questions immediately arise before the debtor.
It is necessary
- - application form;
- - passport;
- - income statement;
- - pledge agreement;
- - other documents requested by the bank.
Instructions
Step 1
If you have unpaid debts in banks and are planning to reapply a loan, you may encounter certain difficulties in obtaining it. The All-Russian Bureau of Credit Histories has all the information about the malicious defaulters, for whom, it would seem, the road to a new loan is closed. But not everything is as bad as it seems at first glance. Debts on loans can be different, therefore, with some of them, you can still issue a new loan.
Step 2
The bank considers the application of each client on an individual basis. And if you filled out an application form, indicating that you plan to apply for a new loan in order to pay off debts on financial obligations already assumed in another bank, the bank can make a positive decision. But at the same time, you will be asked to have two solvent guarantors with a high level of income or to pledge valuable property in order to ensure the liquidity of the loan issued.
Step 3
In addition, a borrower with a high level of income, with technical debt on a loan, when there is a small debt associated with unforeseen circumstances, the bank is unlikely to refuse to receive another loan.
Step 4
There is another way to get a new loan, even for the most persistent defaulters - is to contact a credit broker, who successfully solves the issue of obtaining large amounts of borrowed funds, even for the worst defaulters.
Step 5
Do not be discouraged if you are denied at one bank. This does not mean at all that you will not be given a loan if you apply to the second, third, fourth bank. Refusal can be received in all credit organizations only if you are included in the black lists of credit history bureaus and this is due to the fact that there was an experience of complete non-repayment of the loan. With such a credit history, you will not be able to get another loan, even if you have solvent guarantors and mortgaged liquid property. Banks will refuse without giving a reason.
