Credits enjoyed every second in our country.They allow you to buy your favorite thing at once, without spending months or years to accumulate.Many people, especially youth, sin late payment of the loan."Big deal, paid for a day (a week) later for a new cell phone, is not it paid well."At the same time they do not realize that because of these delinquencies formed a negative credit history.People wondered how to get a loan with bad credit history only when banks start to turn them away.Sometimes the cause of delinquency is not a simple negligence and objective financial problems.One has only to recall the crisis of 2008, when thousands of people lost their jobs and were unable to pay the monthly payments.Many of those people in a few years when their financial situation had improved, faced with the serious problem of how to get a loan with bad credit history.
answer is one - credit history (in other words - trust banks) will have to be restored.The point is not fast, but very real.I do not think that five years ago, late payments for a cheap TV put an end to the mortgage.To restore trust, before to get a loan with bad credit history, you can take in-store credit for inexpensive iron, water heater, or DVD- player.It is unlikely that the bank fails in this case because the loan amount is small.It will only have a month to pay it indicated "chunks."Nor should we close the loan early.Banks usually do not like too diligent payers, because in this case they do not benefit from interest.
When the first loan will be successfully closed, you can take a second, larger, because surely in an apartment or a house there exists something that is long overdue to be replaced.You can buy a plasma TV, a vacuum cleaner or a good supply interior doors.The second option - to take a bank loan in cash.Several even small loans is much too brilliant tweak credit history.Then it is already possible to make out a loan for an apartment or a car, in general, the fact that I wanted to start.Of course, in this case, you must pay it no arrears, then again to puzzle over how to get a loan with bad credit history.
And another option that you can use - to turn to intermediary firms.Before you take out a loan with bad credit history, you will have to pay them a fee, but often it's worth it.
bad credit history - it's not the only problem.Many are interested in the question of how and where to get a loan without reference salary.Sometimes it is more difficult problem of obtaining a loan with a negative history.
«gray" salaries in envelopes will not surprise anyone, including banks.Many of them, wanting to attract customers immediately indicate that give money without reference (sometimes guarantors insuring risks), sometimes even without guarantors.Of course, the probability of remaining free of their money to the bank in this case, increases many times - in the words of their real wages can not be overstated 5-10 times as allow imagination and conscience.Most often, the borrower has no original intention to cheat the bank - he just wants to get the money here and now, and later simply can not cope with the increased financial burden.Their risks in this case, the bank compensates for the higher rate on the loan - at least 1.5-2 times than when similar conditions, but with the certificate.
If you do not want to overpay, is asked to sign an accounting certificate 2-PIT real wages, or to specify multiple sources of income.Another option, which can go a credit expert (though if we are not talking about large sums) - a call to the employer, who will confirm the real wages.Sometimes banks agree (as, for example, in the case of a mortgage) to take into account all revenues.It explains such generosity is very simple - the bank remains mortgaged property, which he can select, if the borrower becomes insolvent.
