If they are taken from different

[prisilabr03]

Who already spend more than of their official income on debt payments. For example, a person earns thousand rubles and pays thousand rubles a month for a mortgage. It will be difficult for such a person to get a loan. Of course, he may try to object, saying, I dont need much in everyday life, I save on everything else. But the bank knows perfectly well how much a food basket, housing and utilities, and other expenses cost. There is a legal basis for this. Since October , , banks are required to calculate the debt burden.

Indicator of borrowers when deciding whether to grant a loan of thousand rubles or more. That is, lending is not prohibited, but for a financial institution this entails additional costs. To assess the credit load, banks new zealand telegram mobile phone number list request information from credit history bureaus. Therefore, loans received officially cannot be hidden. Even banks, microfinance organizations and credit cooperatives, the data will still be in the system. Borrower reputation and scoring score Scoring is an assessment of a persons creditworthiness. Credit bureaus show a scoring score based on their data. However, banks use their own assessments..

They take into account not only whether the client has previously repaid loans in good faith, whether he or she has a large burden. They also look at whether the applicant has a criminal record, debts in the bailiffs database. They study their databases what if the client once applied for a loan with false documents? Potentially, the bank can even analyze the borrowers social networks and draw conclusions. Other reasons why a bank may refuse a loan Age. Credit is rarely given to those aged or older. More often, the lower limit is or even years.