Why the bank may refuse to credit

1. Bad credit history

When you apply for a loan, banks send a request to the credit bureau. These institutions are accumulating information about your financial discipline. They collect data not only on the overdue loans, but also on the arrears of fines, Child support, housing and communal services.

If you have established themselves as acting in bad faith by the payer, the bank does not want to communicate with you.

What to do

Layfhaker wrote as check and fix credit history. But the most important task in this issue - financial discipline. You pay for the obligations on time, and it will seamlessly loans and avoid a meeting with collectors.

2. Lack of credit history

Credit history may not be for several reasons:

• client never took the credit;
• the bank provided him a loan, but a long time, and the story zeroed, since the data is stored in the office for 10 years;
• man made out a loan up to July 1, 2014 and gave up the data to the credit bureau, so before you can do.

Lack of credit history - an alarming fact for a bank manager as your payment discipline simply impossible to assess. So this could be a reason for refusal in the loan.

What to do

Rely on the case, as some banks it will not be an obstacle, or quickly build a positive credit history. To do this, you can:

• Contents credit card and in good faith to use it for a few months;
• take goods on credit and repay the loan exactly in accordance with the payment schedule.

Another option - mikrozaom, but because of the relatively high interest on such loans to pre-calculate the overpayment and weigh all the pros and cons.

3. low solvency

Banks are oriented in the issuance of credit to the monthly payment of about 40% of your income. Otherwise a great risk that the load becomes excessive, and you simply do not return the money.

What to do

Try to change the term of the loan to reduce the monthly payment. When it becomes acceptable, the bank agree to give money.

4. Age

Some banks set age limits for borrowers. For example, Sberbank gives cash loan customers in the age from 18 to 75 years old, "Alfa Bank" - 21 years.

What to do

If you do not fit in the age limits, will have to look for another bank, where they do not exist.

5. false information

Even if you are just something mixed up, the bank will treat the false information in the application form as a fraud attempt. Managers easier not to issue you creditThan to prevent potential fraud.

What to do

Treat completing documents for the loan seriously and check all the data.

6. Black list

It is not regulated by law, but the bank has the right to make a confidential list of undesirable clients. To get there, not necessarily throw a scandal in the queue or write angry letters to the head of government. Excessive zeal for early repayment of the loan is also not benefit, as a credit institution has no time for you to earn.

What to do

As soon share with you a compilation blacklist criteria whether the bank. But at least try not to kick up a row in the branches, so as not to end up in this list.

7. looks suspicious

The bank is not obliged to give reasons for refusing to grant a loan, so during the approval of the role played by subjective factors, such as the impression you make on the manager.

Red eyes, Wrinkled shirt, combined with the scent fume cause issues. However, excessive prilizannosti appearance can also be suspicious because it creates the impression that you're trying too hard to please.

What to do

Try to look decent, watch for gestures. Take a meeting with the manager how to negotiate or interview.

8. acting credits

Employees of the bank will see that you already have financial obligations to other institutions. This does not make you a bona fide borrower: excessive debt increases the chances that you will not pay off with any of them.

What to do

First repay the previous loans. This is useful not only for banks, but also for you, since reckless buildup of debt may end bankruptcy.

9. Lack of work experience

Banks prescribed in the requirements to the borrower, the period during which you need to work at the same place. Usually it is 4-6 months to cover a probationary period.

What to do

Wait a few months, or contact to another bank. And remember that the fake documents, including the employment record, - it is a crime.

10. offenses

Convictions, offenses and administrative penalties may even be a reason for refusal.

What to do

If you have a time machine, which you will not be able to commit crimes in the past, engage it. Otherwise you will have to walk around to different banks, until you find one where the loan will not give up.

11. Suspicious job

In the questionnaire, you need to specify a fixed phone number of the company. If not, it will look doubtful as raise suspicions that the company has no office.

Against you play work on the individual entrepreneur as close FE is simple enough. Also the security staff check the reputation of the company and its financial condition.

What to do

Perhaps your workplace is indeed something wrong, and it should be changed. If the salary in the new location will more, Then the loan is not needed.

12. scoring Bank

The banking system exposes you score on the entered criteria. Age, gender, presence of children and apartments, experience, recent divorce and moving - all matters.

What to do

Scoring criteria are often known to one bank, so just wait for a response. In the end, if the credit institution prefers young (but not too) women with a permanent job, but without children, father of many children freelance still not be able to adjust to these requirements.

13. Suspicion of evading military service

A man of military age at any time to track the recruitment office. And within a year it will probably repay the loan simply will not. And banks do not like to take risks.

What to do

If you have documents to postpone, be sure to grab them to meet with the credit manager.

14. Too high income

A person who takes a loan for 10 thousand vacuum cleaner at a salary of 150 thousand rubles, looks suspicious, not only for the bank employees.

What to do

Prepare a very convincing explanation of why you need a loan, because it really is not obvious.

15. Refusal of insurance

According to lawFederal law from 21.12.2013 N 353-FZ (ed. from 12.05.2017) "On consumer credit (loans)" "On consumer credit" to impose insurance you do not have rights. But in the case of refusal of the bank it can not issue credit without explanation.

What to do

Layfhaker detail I wroteWhat to do in this case. And if you are determined to get a bank loan, which imposes insurance you will most likely have to abandon it after obtaining a loan - it is allowed by law.

And you have been denied a loan? Why?