Banks lure people to take out a loan by promising to give it without certificates and guarantors. It is enough just to come to any branch of the bank and present your passport. How many hopes and plans collapsed when the loan officer returned the passport with a refusal. To prevent this from happening to you, you need to know that no one will give out a loan just like that, the bank always needs guarantees that their money will be returned properly and within the specified time frame.
In order not to waste your time standing in line at the bank, and ultimately to hear a refusal, we suggest that you read this article and determine for yourself whether the bank will issue a loan to you?
The main reasons for the refusal of banks in loans
1. Insufficient level of wages
Such a problem in our time is very relevant, especially when it comes to contacting mortgage banks... A profitable mortgage is issued only after a thorough check of the client's solvency. Many employers, for their own benefit, pay their employees the so-called "gray" wages. That is, according to the documents, the person receives a small amount, but the amount is given to him much more. But in the bank it will not be possible to prove this, according to all documents, exactly that part of the salary that is indicated in your documents will pass. That is, if, in the opinion of the bank, you are not able to repay the loan, then it will not give it to you. The only way out of this situation is to look for a job with a completely white salary.
2. Bad credit history
The bank always checks whether a potential client previously took a loan from his bank or not, and if he did, then how he repaid it: in good faith, without missing a single payment, or was not a very good client. If you are in the base of this bank as a not very conscientious client, then he will not give you a loan for a large amount. You can take out a small loan and repay it without delay, thus showing that you can be a very responsible client. But if you do not have time to prove to the bank your intentions to repay the loan, then it is better to immediately contact another bank. Although even in this case, there is no guarantee in the issuance of the coveted loan to you, because almost all the most reliable banks in Russia submit information about their customers to the so-called Bank of Credit Histories, where subsequently any bank can view it.
3. Providing knowingly false information
The presence of a criminal record, of course, will not please any bank, but an attempt to forge a certificate of criminal record can lead to more unpleasant consequences than the absence in your hands of the funds issued by the bank. The same applies to salary certificates.
Other reasons for refusal
4. Borrower's age
This is a very controversial reason for refusing to issue funds. Almost all banks dream of middle-aged clients with an already established credit history (of course, good), a permanent job, an apartment, and so on. But sometimes both a pensioner and a student may need money, and their age does not mean at all that they will not be able to pay it.If you are in one of these groups, then you should just look for a bank that will not be confused by your age.
5. Lack of permanent registration
The same advice applies here: Look for banks that are loyal to your situation.
“Refusal of a loan based on age is a discrimination against the rights of a citizen of the Russian Federation. In this case, the client can turn to a lawyer specializing in credit disputes, - says the lawyer of the law firm Zaslon, Igolkin S. V. - However, in practice, it will be extremely difficult to win such a case. It is worth counting only on compensation for moral damage. The court cannot force the bank to approve the loan for you. "