Bad credit history (as well as lack of credit history) negatively affects the ability to obtain a loan. Therefore, if you are planning to make expensive purchases on credit, it is important to take care of the formation of a good credit history.
It is necessary
- - loan agreement;
- - a schedule of monthly payments;
- - a request to obtain a credit history in the BCH;
- - certificate from the bank about the absence of debt.
Instructions
Step 1
A good credit history is the main factor that a bank takes into account when analyzing a potential borrower. To obtain it, you must fulfill your credit obligations in good faith and in due time. According to the current norms of the Central Bank of the Russian Federation, a loan is considered bad if the payment schedule is violated for more than 30 days. But overly conscientious borrowers who fulfill their obligations ahead of schedule are also not encouraged by banks. they deprive them of some of the profits.
Step 2
What is a good credit history for? Most importantly, it significantly increases the approval of loan applications. Also, for conscientious customers, banks offer more favorable lending terms and more substantial amounts. Having a good credit history reduces the time for consideration of applications and shortens the requested package of documents.
Step 3
The best way to earn a good credit history is to avoid loan delinquencies. To do this, before obtaining a loan, you need to analyze your financial capabilities. Try not to take loans for which monthly payments will exceed 20-40% of monthly earnings. This is considered a painless credit threshold and serves as proof that you can handle securing the loan.
Step 4
Each person may have financial difficulties, due to which he will not be able to properly fulfill his loan obligations. The reasons can be varied - they are job loss, illness, etc. The worst decision a borrower can make is not to pay and hide from the bank. This will not do anything good other than fines and penalties and will create huge difficulties in obtaining a loan in the future. The best option is to contact a bank in order to restructure the loan or refinance it. When restructuring, the bank can increase the loan term, which will reduce monthly payments. Refinancing involves obtaining a loan on more favorable terms. This will allow you to fulfill your obligations in good faith due to the reduction of the credit burden. In some banks, you can get credit holidays and postpone payments for some time.
Step 5
Study the loan agreement carefully. Sometimes the client can go into the negative due to insurance or commissions on the loan, which he did not take into account when making monthly payments.
Step 6
Try to keep track of your credit history, which is legally available for free once a year. To do this, you can contact the BKI with a passport and a corresponding application, or send a request by mail. Also, borrowers can send an online application through the website of the Central Bank of the Russian Federation.
Step 7
After repayment of the loan, be sure to take a certificate from the bank about the absence of debt. Indeed, even an underpaid ruble on a loan can lead to the formation of a bad credit history.
Step 8
Try to make payments in advance so that the bank receives the money exactly by the set date. This is due to the fact that the terms of transfers between banks can reach 3-5 days.
Step 9
Keep a close eye on your cards and documents to prevent unauthorized access to them by third parties. If the card is lost or stolen, it is urgently necessary to block it.
