Secret 100% getting any loan is very simple – you need to identify all the possible causes of failure in the credit and eliminate these causes! And …
The fact that the Bank – it is not a casino or slot machine, and the credit – is not winning the lottery! There are no coincidences. If the reasons for refusal not, the loan you will get! If the reason for refusal is, it is possible for months to roam the banks, hoping for a “good bank”, but the result will always be one – the failure, without any explanation. The bank will never tell you about the reasons for the denial, because, first, during your test (underwriting), the Bank uses are not always legal means and databases, and secondly, the Bank is afraid of scams, such as Gosznak – counterfeiters and therefore, does not disclose all the niceties.
But it’s not so bad.
I have for you some good news – the Bank wants to give you credit!
After the Bank on this earns!
Bank – this is not the state. The institution, but not a charity!
Think about it. Why the Bank to spend money (not small) for salaries of employees, office rent, advertising, and at the same time to deny you the loan?
REMEMBER BANK simply so do not refuse!
There is always a reason for failure!
Eliminate this cause and to convince the bank in its payment and credit and the loan is yours!
So, step scheme for obtaining any credit!
1. Monitoring of all banking products in your region.
Make a list of the banks. Visit the websites of these banks and write down information about loans that offer these banks, as well as contact numbers. Rang all the banks on the subject of clarification lending and requirements for borrowers. Choose three of suitable options for you, analyzing all the “pitfalls”.
2. Know your credit history.
Yes, do not be surprised. You will not believe, but 9 out of 10 credit histories contain errors or incorrect data!
Think of your code of the credit history and the site of the Central Bank in the Central Catalogue of Credit Histories You can learn which of the 32 (!) Of the Bureau of Credit Histories (CHB) contains information about you. Then, make a request to the CRA. Once a year, according to the law you can do it free of charge. Then analyze your credit history for errors. If the error is still there, you will need to contact the bank, to admit those mistakes to the Statement of correcting credit history, or to send a statement to the CRB.
It is important that what you indicate in the banking questionnaire completely consistent with what see in your credit history security officer of the Bank, but only before you treat your documents to the Bank.