Currently, the question of why banks refuse to loan is topical for many.It would seem that complicated to get the borrowed money in the above institutions, which actively advertise lending program and assure citizens that the move will give the funds in debt, and the procedure of registration takes only 20 minutes?However, not all as easy as it may seem at first glance.In practice, often occurs a situation where the employee financial institution says the potential borrower, "Excuse me, but to give you the money in the debt, we can not."Here the question of why the banks denied credit, suggests itself.
How to respond to the refusal to grant the loan
If you hear in his address the above phrase, in any case, do not worry and do not panic.
situation where a person is denied a loan, while the reasons for it not sounded - it is quite common.Note that the bank clerk does not have to explain to you, on what basis was the decision to refuse registration of the loan.To minimize such risks in the future, ask for it all the same to say why you do not come to the role of the borrower.It is likely that the financial structure of the employee will contact you directly and explain the complexity of the situation.
However, it should be noted that the reason why banks refuse a loan, there are many.Consider the most common ones.
Reasons given
emphasize once again that foresee, on what basis you can not give money to debt, it is difficult.Well, if a person knows at least the basics of banking.Then he can at least partially predict the situation and develop appropriate tactics behavior.But the simple man in the street is often difficult to understand why the banks refused to loan, and without the help of specialists it will most likely not do.In any case, the following information will be uninteresting to him.
Perhaps someone thinks that there are banks that do not refuse a loan?Alas, there are none, but there are financial institutions that are remaining loyal to the borrowers.
Insufficient income
Any credit institution is primarily interested in how the person intends to repay the principal and pay the interest on it.To determine the approximate amount of borrowed funds, which the customer can expect, he has divided the size of their monthly income for two.This is precisely the value of the loan will be considered by the bank.If in your case it is 15 000, the sum of 30 000 rubles you're unlikely to get it.It is for this reason, "Sberbank" denied credit many of their clients.And the institution is no exception.Remember
minimum requirements
Each financial and credit structure has its own set of requirements for potential borrowers.Here are several common conditions, compliance with which is mandatory.
Official employment
for banking institutions is very important that the person who gets into debt, had a steady source of income, that is working under an employment contract.
And seniority on the last job should not be less than 3-4 months.Of course, there are lenders who are no income certificate is not necessary, but better to be safe in this regard.
Age
Many financial institutions when considering the issuance of borrowings take into account the age criterion.For example, "Bank of Moscow" denied credit to those who have not turned 21.Moreover, it is important to bear in mind the age limits.Typically, borrowers over 70 years rely on a loan can not.
Permanent registration
Most financial institutions issue loans only to its customers, who have a permanent record.This should also remember those who intend to ask for money in debt.For example, "Summer Bank" refuses to grant credits to borrowers with a temporary residence permit.
Conviction
If a person in the past had problems with the law and suffered the deserved punishment for it, his chances of getting a loan in a financial institution is very slim.
However, if illegal activities were not of serious nature, some banks may give the go-ahead for a loan, but in any case, a criminal record is to be repaid.
potential loan programs exhausted
Often there are situations when a bank refuses to loan the most reliable borrowers.Why is this happening?The fact is that there are times when the financial structure has exhausted the limit that it was relegated to lending.In most cases, this problem affects medium-sized banks, whose leadership simply does not want to admit that their volumes of funds leave much to be desired.
professions and nationalities
Many lenders are afraid to sign a contract with customers in certain occupations.Typically, this list includes firefighters, policemen, emergency workers.Representatives of these professions every day are at risk of losing health or life.Naturally, in this case, the guarantee the timely repayment of the loan is minimal.
Also, banks do not want to give out cash loans to people from Central Asia.Tajiks and Uzbeks often odd jobs and do not have permanent residence.
bad credit history
If a person has previously designed the loans and repay them out of time, it is also a strong argument for the bank does not lend money.And it is not interested, for good reasons or not a human case of delay in payments.
However, some financial institutions are ready to "close their eyes" to the above problem and to give the customer borrowings.However, the list of them is limited.In any case, the question of delay is decided depending on the time frame, so the chances of getting a loan greater where fewer late payments.
remarkable fact that the customer can not completely aware of your own credit history, especially if it is unfavorable.Absurd is the situation when a person has decided to take the credit for the first time and at the same time, he learns that he has previously been overdue payments.Certainly, there is "a hand" scam that fraudulently took possession of the passport of the borrower.
However, the human factor in the above situation, too, can not be excluded.No employee of the bank is not immune from being accidentally mix up the information of one person to another and make them into someone else's credit history.Thus, it can be a disappointing conclusion that the lack of credit obligations in the past - it does not guarantee an impeccable credit history.
again income
It should be noted that the designation of a high income could also serve as a pretext to refuse to grant loans.How can this be explained?The fact is that the bank could call into question the fact of the borrower 'high' wages, if, for example, he pointed out in the "Title" - the programmer.If the level of wages is still relevant statements from the financial and credit organization may have suspected that the employer company is stable, allowing time to pay their workers the money.
also causes mistrust and a situation where a relatively high wages borrower wants to borrow a small amount of size.This client is usually of no interest to the bank as a loan, you can pay just a couple of months, respectively, with big profits do not get it.
potential borrowers may be advisable to specify in the application for a loan for the maximum term of payment of monetary obligations, since the income of banks depends on the interest.
Contact Information
Some banking institutions when you make a loan of money put forward a condition of a borrower City (landline) phone.Thus, the "Alfa-Bank" denied credit to its customers on the above basis.However, the provision of a "working" numbers it is likely that you will leave the credit organization with anything.All applications and try to fill in the questionnaire legible.Copies of the documents should be as qualitative and said telephone - always available.
Note that the above list of reasons for the refusal to grant a loan is far from complete, so to learn more about the issue you can not do without the help of a professional.
