A Loan – it is very convenient service ever invented by man. Undoubtedly, it is expensive and always fraught with additional costs. However, it Bank loan gives you the opportunity to purchase the facility, service or item for the purchase of which personal funds are insufficient. But what to do and where to take the credit if everywhere refused?
To get started is to learn about the possible reasons due to which you are failing financial institutions. So, one of the most common is commensurate with your income amount. In this case, it is understood that before the lender will agree to give you the desired loan, it analyzes the amount of your income. As a rule, it includes personal income not only of the borrower and all members of the family residing with him in the same housing.
At the same time shall be deducted from that the cost of utilities, taxes and other expenses. The result is the amount the prospective borrower can afford. Now, if this it turns out to be below that which wants to get the credited person, it is quite clear and the failure of the Bank. In the end, the borrower applies for the same issue in the second, third financial institution, and again received a negative response. And of course, not knowing why, he starts to worry about where to take the credit if everywhere refused.
The Second reason may be hiding in the unstable source of income of the client. This refers to the potential borrowers who are not working anywhere officially. That is, it can be builders and contractors, performing design work, freelancers, artists, with irregular fees, etc.
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The conditions for obtaining credit in modern banking institutions
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Most Often, such people are denied loans or agree to give a sum less than required. The period of granting such a loan may be reduced, and as a guarantee the Bank will advise you to draw more reliable guarantors to provide collateral or purchase insurance. Therefore, in order not to puzzle over where to take the credit if everywhere refused, you must initially determine the cause of failure. And of course, it is necessary to consider alternative options proposed by the representative of the credit institution.
Another reason for which the borrower leaves the Bank with nothing, is insolvent age. So, to arrange a loan at most banks can be ranging from 21-23 years of age (at least 18). If you are less than the minimum, you in 100% of cases will be denied.
The same applies to the elderly, retired. At the time of signing the credit agreement it should be specified in the rules of the Bank maximum. For example, in Sberbank of Russia can apply for a loan individuals from 21 to 65 years. “Bank of Moscow” makes loans to borrowers in the age range from 21 to 70 years. This also can be attributed to the noncompliance to any requirements of the credit institution, such as your work experience is less than six months, and the last job you worked less than a year, etc. If all the above is about you, you should think about where to take the credit if everywhere refused. But more on that later.
Perhaps the most important point to which I draw the attention of lenders is the availability of an impeccable credit reputation. That is, the borrower is obliged to observe all the rules prescribed in the loan agreement, to violate the terms of monthly payment, to make money only in a strictly specified sequence and amount.
And, accordingly, if the borrower has breached any of the rules of the Bank, his credit history will be spoiled. This means that rarely a lender to agree to deal with the unscrupulous client.
So, where to take the credit if everywhere refused? In Murmansk, suppose it makes sense to obtain loan not only in a Bank, but also in non-Bank institutions. For example, it may be MFI (microfinance institution). What are the advantages of this treatment?
First, the representatives of the MFIs are more loyal to their customers, unlike the banks. Secondly, the procedure of obtaining a loan in such non-commercial institutions, typically, easier. Here to get loan money only on the passport, and without requiring any collateral and down payments, attraction of guarantors. Thirdly, almost every MFI operates a kind of loyalty system. It would increase the amount of the loan for the client if he has managed to establish itself on the positive side after the first loan.
For Example, in Murmansk, the company operates such as “Tsentrofinans”. It gives micro-loans amounting from 1 000 to 50 000 rubles for a period from one to 90 days. The amount of overpayment on such loan will be 0.5-1% per day.Age of borrowers at the time of registration should be between 21 to 75 years.
In Novokuznetsk are also non-Bank institutions ready to give to potential borrowers short term cash loans. For example, microcredit for up to 21 days and in the amount of 1 000 to 15 000 rubles, you can get in the company «Smbfinance”.
Submit an online application on the organization's website can borrowers whose age is minimum 18 and maximum – 70 years. The amount of overpayment for the day on such microzyme equal – from 0.90 to 1.74% on the day.
If you don't know where to take the credit if everywhere refused in Izhevsk, pay attention to the following MFIs:
For Example, if you're over 21, in MFIs “Money”, you can receive a loan for the sum from 5 000 to 100 000 rubles for a period from 2 to 24 weeks. The amount of overpayment will be 1% per day.
Haven't figured out where to take the credit if everywhere refused, in Chelyabinsk? Note the MFI "Money!”, which makes a decision on a loan within half an hour and if the answer gives microcredit for the sum from 5 000 to 70 000 rubles for a period from 14 to 365 days. The amount of overpayment in this case will be equal to 0,3-1,8% per day. Borrowers of this organization, according to the regulations of the company, may become citizens in the age range from 21 to 70 years.
In Addition, in Chelyabinsk there are other organizations that can give you credit. Among them - a smart company “Your money" organization "Platiza.ru" MFIs "lime-Loan”, “ferratum Rasha” and other.
In short, the alternative to Bank loans is. It remains only to make the right choice in favor of one or another company.
Article in other languages:
JA: https://tostpost.com/ja/finance/3007-murmansk-novokuznetsk-izhevsk.html
Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."
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