Situations arise when a completely trustworthy person, with an official job and salary, is denied a loan from several banks at once. This can be avoided if you know the principle by which banks select their future customers.
Instructions
Step 1
The first stage of the assessment takes place at the moment a person contacts a credit consultant. He must, from a professional point of view, assess the appearance and behavior of the newcomer. The potential client should be cleanly dressed, not intoxicated with drugs or alcohol. It should not have obvious traces of a criminal past - specific tattoos. The person should be able to answer the basic questions from the questionnaire without any hesitation. Thus, even at the initial stage, employees try to weed out potentially insolvent citizens and fraudsters.
Step 2
Next, the bank employee must check all documents submitted by the person. If there are errors or inaccuracies in your certificates, this most likely will not cause a refusal - you will simply be asked to bring a new, revised document. If the document contains traces of forgery, then the bank's refusal is practically guaranteed.
Step 3
The main analysis of documents, according to the results of which many people wishing to get a loan are eliminated, is carried out by a special department of the bank. Before that, in many banks, information about the client is entered into a computer and systematized using a special program. Its criteria and settings depend on a particular bank. The program analyzes personal data, translating it into the points system. If you collect enough of them, then your application will receive pre-approval for funding. At this stage, people with a higher income and longer work experience are most likely to be.
Step 4
After the approval of the loan application by a computer program, it is transferred to the employees of the special analytical department. His employees, for example, research your credit history. The more carefully you paid off your previous loans, the more chances you have of getting the next one. Also, the employees of this service once again check the authenticity of the documents and information given in the questionnaire. For example, on the phone you provided, bank employees can call and clarify information about you. Only after approval by this service is a final decision made on whether a person will receive a loan or not.
