If in one bank there is a debt on the borrowed loan, in another credit institution you can get a loan for repayment. Requirements for the borrower in all credit structures are practically the same; for on-lending, you must submit a package of documents.
It is necessary
- - application form;
- - a package of documents for obtaining a loan.
Instructions
Step 1
If you have a loan debt in one bank, another bank can give you the necessary amount to pay off the arisen debt. To do this, contact the credit institution of your choice, fill out the application form on the form proposed by the bank. In the questionnaire, indicate that you have a debt in another credit institution, its amount, and also make a note that you are planning to get a new loan to pay off the debt that has arisen.
Step 2
Show your passport and second document. As a second document, you can present an individual taxpayer number, pension insurance certificate, driver's license. You will also need to confirm your solvency with a certificate of income of the unified form 2-NDFL. If you receive the main amount of your salary in an envelope, you can submit your income statement in the form of a bank.
Step 3
Some banks require additional documents, for example, a certificate from a narcologist and psychiatrist and a certificate from the place of work confirming your work experience. In order to get a loan guaranteed, and it may be refused due to the existing debt, draw up a pledge agreement for valuable property. This will be an additional financial guarantee that the bank will receive the entire amount of the loan issued.
Step 4
In the absence of valuable property, you may be asked to have two solvent guarantors, which is also a guarantor of the return of the loan issued.
Step 5
The bank considers each submitted application on an individual basis, so whether or not a loan with an existing debt is approved for you, only the bank will decide. All information provided by you will be checked for accuracy, after which you will be given a written or verbal response on the approval of your application or refusal.
Step 6
If one bank refused to grant you a loan, contact a second, third financial institution, your application will be approved somewhere, and you will be able to pay off all the debts that have arisen.
