Photo: Valeriy Melnikov / RIA Novosti
There are several ways to increase your chances of successfully obtaining a loan in a Russian Bank. Their “Prime” Agency called expert on the stock market “BCS” Michael Seltzer.
First, we need to take care of your positive credit history. It can be found in specialized bureaus before applying for a new loan. If the documents found a bug, you must write a statement asking to fix it, but it will be a difficult process. “Credit history is important to preserve with the first loan, not to lose confidence in financial institutions”, — said the interlocutor of the edition.
Seltzer emphasized that it is also important to provide accurate information about yourself and your income, not to gain loans at third-party banks and seek the services of microfinance organizations. Bank employees to check all these data, including social networks and forums. Having multiple credit cards in different banks can testify that people live from debt to debt, and can delay payments, microcredit will seriously apprehensive of Bank employees.
The expert recommended to apply not to a few banks, and one or two that already had a good relationship. Then the probability of approval is higher. To issue a loan in the currency in which the salary comes or income.
The economist added that before applying for a loan should increase the level of financial literacy, to learn about the low key interest rate, restructuring the existing loan.
Earlier, Rospotrebnadzor warned the Russians from going to organizations issuing loans too fast.
Video, photo All from Russia.