A preliminary assessment of the borrower and verification of the accuracy of the documents provided by him is an obligatory stage when issuing a loan. The bank's decision to issue a loan largely depends on how complete the package of documents is provided to the bank, as well as how correctly they are filled in.
It is necessary
- - loan application form;
- - passport;
- - 2-NDFL certificate;
- - employment history;
- - other documents requested by the bank.
Instructions
Step 1
A standard package of documents for a loan includes a passport, income statement, and a work book. Initially, the loan officer checks the compliance of all the information specified in the questionnaire and the information contained in the documents. All data in the documents must match. If there are discrepancies and inconsistencies, the questionnaire is returned for processing, or the bank simply refuses to issue a loan.
Step 2
Also, a bank specialist verifies a passport photo with a person who plans to get a loan. If a fake passport is used to obtain a loan, the bank will blacklist such a client.
Step 3
Each bank has its own requirements for borrowers. They often limit the minimum and maximum age for obtaining a loan, set conditions on the need to register in the region of the bank's presence, and also indicate the minimum allowable wage level and seniority at the last job. Therefore, when analyzing the documents, the borrower's personal data are compared for compliance with the bank's requirements.
Step 4
The 2-NDFL certificate is the main document that confirms the availability of income and their compliance with the established level. It is checked in terms of the correct filling of all fields, compliance with the unified form, the presence of the organization's seal. The bank can find out about the authenticity of the certificate and the reliability of the information in it only for those borrowers who are its salary clients. In this case, the bank knows the amount of their monthly receipts to the current account. But the tax credit inspector cannot check the 2-NDFL certificate for compliance. Such information is classified as confidential, and the tax authorities have no right to disclose it. Therefore, many banks go to the trick and request additional documents that confirm the borrower's solvency. It can be a passport with a stamp about leaving abroad for the last six months; an extract from the current account in another bank; documents confirming the ownership of expensive property.
Step 5
The borrower's work record book is especially carefully checked. On its basis, the total length of service of the employee is calculated, as well as the time of work in the last place (in most banks, experience in the last place is required for at least six months). Bank specialists look at cases of problematic layoffs (not of their own free will), as well as how often the borrower changes jobs.
Step 6
To verify the authenticity of the information contained in the documents, banks often call at the place of work and clarify the length of service of the employee, his general characteristics at the place of work and the size of the salary. With large amounts of lending, specialists can even travel to the borrower's place of work.
Step 7
In case of mortgage lending, banks check for the presence of an initial payment, and also analyze the subject of the pledge itself. So, many banks do not issue loans for the purchase of shares in an apartment, rooms, apartments in a dilapidated fund. They refuse to issue a loan for the purchase of housing from relatives, because such transactions are considered fictitious. Also, with a mortgage and often when issuing car loans, additional documents are requested for the developer company or confirming that the car dealership is an official dealer.
Step 8
Banks are more loyal to borrowers with higher education. Therefore, they often ask for a copy of the diploma. Also, there is a higher chance of getting a loan from married / married borrowers. Marital status is confirmed by a marriage certificate.
