The best in the world

  • Home
  • Technics
  • Finance
  • Ratings
  • Cars
  • Movie
  • People
  • Home
    • Technics
    • Finance
    • Ratings
    • Cars
    • Movie
    • People

Home Ratings

Top 5 reasons for banks to refuse credit

Share
Pin
Tweet
Send
Share
Send

Banks lure people to take a loan, promising to give it without references and guarantors. Just come to any branch of the bank and show 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 repaid properly and on time.

In order not to lose your time standing in line at the bank, and ultimately to hear the refusal, we suggest that you familiarize yourself with this article and determine for yourself whether the bank will issue a loan to you?

The main reasons for banks to refuse loans

1. Inadequate salary

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 solvency of the client. Many employers, for their own benefit, pay their workers the so-called “gray” salary. That is, according to the documents a person receives a small amount, but "on hand" he gets a much larger amount. But the bank won’t be able to prove it, exactly all the salaries specified in your documents will go through all the documents. That is, if, according to 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 customer previously took a loan from his bank or not, and if he took it, how he paid it off: in good faith, without missing a single payment, or was not a very good customer. If you are in the database of this bank as a not very conscientious customer, then he will not give you a loan for a large amount. You can take a loan for a small amount and pay it off without delay, thereby showing that you can be a very responsible customer. But if you don’t have time to prove to the bank your intention to repay the loan, then it’s best to immediately contact another bank. Although even in this case there is no guarantee that you will receive the coveted loan, in fact, almost all the most reliable banks in Russia submit information about their clients to the so-called Credit History Bank, where any bank can subsequently see it.

3. Providing knowingly false information

A criminal record, of course, will not please any bank, but an attempt to falsify a criminal record can lead to more unpleasant consequences than the lack of funds issued by the bank in your hands. The same applies to payroll certificates.

Other reasons for refusal

4. Borrower age

This is a very mixed reason for refusing to issue funds. Almost all banks dream of middle-aged customers with an already established credit history (naturally, good), permanent work, an apartment, and so on. But sometimes money may be needed by both the pensioner and the student, 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 your age will not confuse.

5. Lack of permanent registration

The same advice applies here: look for banks that are loyal to your situation.

“Denial of a loan on an age basis is 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 Zaslon, the lawyer of the bureau of lawyers, Igolkin SV.“ However, in practice, it will be extremely difficult to win such a case. It is worth counting only on compensation for non-pecuniary damage. The court cannot force the bank to approve a loan for you. ”

Share
Pin
Tweet
Send
Share
Send

Watch the video: Common Reasons for Refusals of Visitor Visas (June 2025).

Similar Articles

The best affiliate programs for site monetization
Ratings

The best affiliate programs for site monetization

2020
Top 10 largest zoos in the world
Ratings

Top 10 largest zoos in the world

2020
Premium dog food rating 2018
Ratings

Premium dog food rating 2018

2020

Leave Your Comment

Recommended

Rating of the most affordable cars

Rating of the most affordable cars

2020
Top 5 Worst Motorcycles for Beginners

Top 5 Worst Motorcycles for Beginners

2020
The most famous discos in the world

The most famous discos in the world

2020
Winners of the 2020 Oscar Film Awards

Winners of the 2020 Oscar Film Awards

2020

Popular Categories

  • Food and drink
  • Cities and countries
  • Nature
  • Games
  • Movie
  • Tourism
  • The most in the world
  • Information and News
  • Technology Reviews and Tests
  • Coronavirus

Recent

Top 10 best skateboards from the best companies

10 most harmful drinks that we drink regularly

20 best smartphones of 2019, Business Insider ranking

The most prestigious film awards in the world

Rating of the best home vacuum cleaners 2018 in terms of quality and reliability

The most expensive fireworks in the world

Actual

Top 10 countries with the highest fines for traffic violations
Cars

Top 10 countries with the highest fines for traffic violations

2020

Russian fines for traffic violations are becoming higher, and yet they remain quite loyal in comparison with other countries of the world. The most severe in global practice are fines for significant speeding, as well as drunk driving. In today's top ten we have collected ...

Jokowi supporters try to prevent anti-Jokowi activist from entering Batam

Top 10 Interesting Facts About Darknet

2020
Jokowi supporters try to prevent anti-Jokowi activist from entering Batam

Best and worst cars of 2019, Jeremy Clarkson rating

2020
Jokowi supporters try to prevent anti-Jokowi activist from entering Batam

25 most beautiful actresses in Hollywood

2020
Jokowi supporters try to prevent anti-Jokowi activist from entering Batam

Rating of the best MFPs for home 2018

2020

The best in the world

The best in the world.

Recent

  • The most powerful air guns: the top 10
  • Top 10 Premiere Los Angeles Auto Show
  • The most expensive Internet companies in Russia in 2015

Popular Categories

  • Ratings
  • Finance
  • The most in the world

© 2025 https://efuc.org

  • Food and drink
  • Sport
  • Cities and countries
  • Articles
  • Books
  • Favorite
  • Tourism
  • Technics
  • Medicine
  • The most in the world

© 2025 https://efuc.org