Delays or non-payment of loans negatively affect the client's history and are a significant obstacle to obtaining a new loan. The question arises of what to do and how to change the situation.
It is necessary
- - a package of documents for obtaining a loan;
- - a questionnaire in the form of a bank;
- - passport.
Instructions
Step 1
If you applied to the bank for a new loan, the main criterion for a positive decision on your application will be your credit history, which is contained in the All-Russian Bureau. All banks work closely with this organization, and the security service necessarily checks the history of each client.
Step 2
The classification of violations is subdivided according to several parameters. A delay of one week is considered the norm. With an average violation, the loan was delayed several times, and its term ranged from 5 to 35 days. Full non-payment of the issued loan is considered a serious violation.
Step 3
Despite the different classification, the bank has the right to refuse to issue a loan even with a one-time delay in payment of no more than 5 days. But not all banks refuse to re-lend to their clients or when a damaged credit history is found, information about which was obtained from the BCH.
Step 4
Therefore, if you are in need of borrowed funds and are ready to confirm your solvency, meet all the parameters presented by the bank to its customers, you can safely contact any organization, fill out a questionnaire and wait for a positive answer.
Step 5
If you have the opportunity to attach to the application an official certificate of income of the unified form No. 2-NDFL, you have real estate or movable property in your property, you are unlikely to be given a negative answer.
Step 6
Banks are interested in attracting solvent clients to lending and consider each application on an individual basis. Only malicious defaulters or unscrupulous borrowers who took out a loan and did not return it can be refused. In other cases, the decision is made positive and minor technical delays are not taken into account and do not affect the issuance of borrowed funds.
