At the first stage of the relationship between the bank and the credited person, the income and solvency of the borrower is checked. It is its result that is the main factor influencing the decision to issue a loan and determine its size. It often happens that borrowers withhold some information or inflate their income, in this regard, the bank's specialists develop certain strategies to identify the good faith of a potential client.
Instructions
Step 1
Conduct a conversation with a potential borrower on the data provided in the questionnaire. Such a questionnaire will be filled out in each bank when applying for a loan. It contains contact information, phone numbers, address, place of work, average income, availability of outstanding loans in other banks and other information. As a rule, leading questions can be used to find out the reliability of the specified information. When filling out the questionnaire, most clients claim that they have not previously used the services of other credit structures and have no debts to them, as they try to pass off the desired information as valid. During the conversation, clarify this point and hint that deception will not help, since the bank will still find out the credit history.
Step 2
Check the authenticity of the documents submitted by the borrower. Analyze the 2-NDFL certificate. This document is very often forged. The fact is that the certificate reflects the "white income" of the borrower, which can actually be much higher when receiving a salary in an "envelope". In an effort to reflect this revenue, customers resort to data falsification.
Step 3
Check the document for major blunders when counterfeiting. When a salary of more than 20 thousand rubles per month is set, the borrower may forget to remove the standard tax deduction in the amount of 400 rubles, which is established for taxpayers with a lower amount of income.
Step 4
Check that the deduction codes match and fill in the fields with their indication, as well as the correspondence of the amounts of standard and social deductions, which are firm or require additional documentary evidence. If there is suspicion of the authenticity of the 2-NDFL certificate, it is necessary to conduct a thorough examination with a visit to the borrower's place of work.
Step 5
Analyze the borrower's credit history. According to the Federal Law "On Credit Histories", there are special bureaus in Russia, in which, according to the borrower's data, you can find out information about the receipt and return of all his loans.
