The Bank

Clothing and behavior should be in accordance with that position in the questionnaire. A neat haircut, a fresh nail polish (or complete absence), clean shoes and a neat appearance – that's the simple things that can render invaluable service in the process of obtaining credit. Watch his speech. Too fast it causes suspicion. You need to be confident and not in a hurry. By the way, about the documents. Necessary to have as many documents. Enclose a passport medical policy, insurance pension certificate, badge work or law.

Usually, questionnaire is required to specify the two stationary phone: home and work. You should warn their relatives and staff about a possible call from the bank. Declared in the questionnaire you income must be sufficient to claim for that amount (use the loan calculator to determine the maximum amount of credit). If you have outstanding credit, do not try to hide that fact. The Bank may issue a second credit if the amount you listed income can pay for two loans. If your income is not enough to get the desired amount, consider bringing in a co-borrower or guarantor spouse (s).

If family relationships are not registered properly, should think twice tell the bank about their civil marriage, or to better reflect in its actual form is single (unmarried) status. It is believed that repayment is easiest for an unmarried, childless women under 30 years of higher education. But there is no single recipe. Take, for example, an unmarried young man 23 years, renting an apartment with a girl, but prescribed by his parents. Naturally, the data on the costs of rental housing, providing young families (especially for a small income) is not the most favorable way affect the decision to issue the loan. AND quite another matter – a man 45 years prescribed by my mother-retired, but actually living in a rented apartment. In this case, silence fact about an individual living – it means questioning autonomy of the borrower. Be wary if a high enough income to ask the bank are small amounts for a long time – it looks suspiciously: either the salary to be untrue, or comes to mind the thought of the Borrower's inability to plan your budget. Needless to explain that neither one nor the other condition is not conducive to the adoption of a positive credit expert solutions. Remember that, when evaluating your creditworthiness, the bank based on statistical forecasting risks and adopting a negative decision, thus, may help you avoid a difficult situation. However, each bank uses its own methodology credit assessment of customers, so the denial of credit at one bank does not mean that you can not get a loan from another bank.