To apply for loans with minimum interest rates, the borrower must have:
good credit history;
low debt burden ratio.
Banks offer favorable conditions to reliable borrowers, because they do not want such clients to go to competitors.
If your applications are often rejected, it is worth working on your credit history and reducing the debt load indicator. Perhaps, to do this, you will have to take out a loan on less favorable terms and be sure to repay it without delays.
If you are looking for a favorable loan program, consider czech republic mobile database the "0% Rate Guarantee" option at Sinara Bank. It is available as part of the "Manage easily", which must be connected when concluding a loan agreement.
"0% Rate Guarantee" is an opportunity to get back all the interest paid regardless of the rate. The option is available to everyoneSinara Bank loans, issued for a period of 48 months or more.
To use the guarantee, you need to:
connect the “Manage easily” package and the Service Package when applying for a credit product;
make all payments on time throughout the entire loan term;
do not use credit holidays;
do not use full or partial early repayment;
conclude an agreement for at least 48 months;
be a holderThat same cardSinara Bank and make at least 5 transactions monthly in the amount of 10,000 ₽;
do not use the “Skip Payment” option (available as part of the “Manage Easy” package).
When you make the last payment, you will need to submit an application for recalculation of interest. This can be done at the Sinara Bank office or in the mobile application. After the employees check the fulfillment of the conditions, the entire amount of interest will be transferred to your very card.
As part of the Manage Easy package, you can also postpone your payment date free of charge, making your lending terms more flexible.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.