Throughout life, every person at leastonce he took a loan in a large bank or a smaller financial institution. Especially relevant, this practice was at the very beginning of the two thousandth. Lending was a real salvation for those who wanted to buy a TV, a refrigerator or even a car.
However, for any service, sooner or laterto pay. The same thing happens with loans. At the time of the primary repayment of the loan, most people simply forget about their duties and successfully fall into the black lists of banking structures. Unfortunately, even if the client repaid the current debt, but did not pay the right amount of the money in time, the bank's confidence in this borrower is significantly reduced. This leads to the fact that in the future the client will find it very difficult to obtain even a minimal amount of money in any large financial institution. This phenomenon was called "bad credit history." Unfortunately, many are unaware of its existence and are genuinely surprised when the bank denies them a loan.
Is it really a loan with a bad credithistory is impossible? Of course, there are no desperate situations. However, you need to understand that in this case you will have to spend a lot of effort to prove your financial solvency to the bank. Let's consider in detail what to do if you need a loan, and a bad credit history becomes a rather serious obstacle.
If after the last loan application the clientwas put on the blacklist, then this is not a reason to despair. First of all, it is necessary to confirm the fact that payments were not made in time due to serious circumstances.
For example, if a client wants to take a loan with a badcredit history in one bank, he can provide documents that are evidence that at the time of paying a loan in another financial institution he was in hospital, respectively, physically could not deposit the necessary amount of money to the account.
Tickets for airplanes and confirmation from work on business trips are also pretty weighty evidence.
Also, those who want to take a loan with a badcredit history, it is worth carefully preparing before going to the bank. To inspire confidence in the inspector, you need to take with you all the documents that confirm the financial stability of the client. To do this, you can prepare a certificate from the place of work with an indication of the amount of wages and length of service, checks for the purchase of large household appliances, payment receipts of housing and communal services and so on. In addition, you can ask the boss to write a positive characteristic. All these documents can help with obtaining a new loan, even if the old one was repaid with irregularities.
При наличии кредита, который уже изрядно "wet" the reputation of the borrower, but still remains unpaid until the end, it is worth thinking about refinancing. In this case, you can apply to another bank and issue a new debt to pay off the old one. In this case, the chance to receive a refusal is minimized, and the person's credit history becomes more attractive to future creditors.
However, in this case, you need to carefully calculatetheir capabilities. If the second loan will be paid in arrears, then after that it will be almost impossible to get a loan with a bad credit history. Therefore, refinancing is not recommended for everyone.
This is possible, if you apply directly toThe Central Bank. However, in this case, you can count on the success of the event only if the loan was not completely overdue. If the client had serious reasons for violation of contractual relations, then there is a chance to clear his financial biography.
However, one must understand that the application for a loan witha bad credit history and a statement from a client who did not make out documents or documents from documents and databases early in the day, is approximately the same thing. Banks are reluctant to issue cash to customers about which there is no data. Therefore, it is worth several times to think before sending such a request to the Central Bank.
To date, there are several financial institutions that are willing to lend to people who are already on the black list of banking structures.
For example, you can contact "Post Bank."This relatively new financial institution is quite willing to lend to people who have previously repaid debt with arrears. In this case, you can count on a loan for 5 years. However, you need to be prepared for the fact that the amount of overpayment can be from 14.9 to 34.5% per annum. Such a spread is explained by the circumstances under which the client could be in the black list of banks. If it does not inspire confidence, the financial institution will want to secure its assets by raising the loan rate.
A slightly smaller percentage can be obtained in the "Renaissance Credit". Here you can apply for a loan with a bad credit history at 15-20% per annum. It is also worth familiarizing with the proposals of "City Bank".
If the customer not only delayed payment, buthe also opened a lawsuit, then in this case the chances of re-receiving loans in serious financial organizations are reduced to zero. The same applies to those who have not made a single payment on the previous loan.
Which bank will give a loan with bad credithistory, if the client has not paid any debt, but several at once? No reputable financial institution in this situation would take the risk. However, do not despair. You can always try to get a loan with a bad credit history in the MFI. Today, these organizations there is a huge set.
Microfinance organizations differ in thatto obtain a loan from customers, they do not require a wide list of documents confirming their solvency. MFIs most often apply for loans with a bad credit history without any references. At the same time, employees of microfinance organizations rarely pay attention to past payments of people.
However, it should be borne in mind that in this caseIt is about the minimum loans that are provided for a very short period of time. Consider lending in MFIs can only from the point of view to straighten your payment history a bit. After successful repayment of debt in the file of the person will appear a positive inscription. Then you can try to contact the larger financial institutions.
Если говорить о том, где можно получит такой мини credit passport with a bad credit history, you can find hundreds of organizations of this type. For example, you can contact the "E-loan". In this MFO, you can get an instant loan at 1.5% per day for a month. However, it is better to pay such a loan as quickly as possible, since the overpayment is quite impressive if you stretch the pleasure.
Slightly less can be overpaid in the organization "Smsfinans." In this case, clients are offered microloans at 0.9% per day. In this case, cash can be obtained for a period of 21 days.
For loan with bad credithistory without references need to meet only a few requirements. First of all, the borrower must be a citizen of the Russian Federation at the age of at least 18 years. Additionally, you will need to specify a contact phone number. After that, the client will be given a loan within a few minutes.
If we talk about large banks, then thisIf there is an option to try to get a loan with a bad credit history on bail. In this case, you will need to specify movable or immovable property, which in the event of non-payment of the debt will be sold out, and the proceeds will be used to pay the loan. There is another option that will help in obtaining cash. For example, you can get a loan with a bad credit history with a guarantor. In this case, the entire responsibility for failure to pay the debt falls on the other person. Hence the rather obvious problems of processing such loans. Few would agree to be responsible for paying the debt of another person.
From this point of view, it is more convenient to issue a microloan, clear the payment history and after that turn to a more serious financial institution for a loan.
For a bank loan, provided thatthe former loan was nevertheless paid, but with delays, an extended list of securities will be required. First of all, it is necessary to provide an official certificate from the place of work, where the borrower's experience and his monthly salary will be indicated. Additionally, you will need a copy of the workbook and an indication of the contact phone number of the boss, who will most likely be called by a bank representative to verify the accuracy of the data provided.
If we talk about the MFI, in this case it will beenough passport and application. However, before signing the contract, it is worth exploring it in detail. It is not uncommon for such documents to indicate completely different amounts and bids. Therefore, in case of doubt, it is better to contact another MFI.
If we are talking about a bank and getting a loan underthe collateral, it all depends on how much the property of the borrower will be assessed. The same applies to situations when a loan is made with a guarantor. A friend or relative will have to provide documents confirming his solvency, on the basis of which the amount of money will be calculated. As a rule, banks issue loans ranging from 20 thousand rubles to several million.
If it comes to MFIs, then in this case it is worth counting on more modest amounts. The client can receive from 1 thousand rubles to a maximum of 60 thousand.
В первую очередь важно погасить все имеющиеся debt, if any. After that, you need to be prepared for the fact that no large bank will immediately decide to provide a large sum of money. Therefore, you can go the other way. The first step is to open a deposit in a financial institution that can be replenished. At the next stage, it is necessary to start making payments through an open account so that the bank can record the receipt of certain amounts of money.
After that, you can try to open thisbank credit card. In the process of its use it is not allowed to delay payments. Such procedures must be performed for at least two years. After that, you can safely apply for a more impressive loan.
Having believed the data, a bank employee will make surethat the client is really able to pay debts on time. This will forget about the negative credit history. However, this procedure for the return of financial reputation takes a lot of time. But if over time the client wants to issue a mortgage or car loan, then this is the surest way.
Will they give a loan with a bad credit history,depends on many factors. However, there is always a risk that a bank employee will be confused by previous unpaid debts. Especially careful checks are carried out in the case when it comes to mortgages or other large loans. In order not to wrestle once again, it is best to make payments in a timely manner.
Also, do not trust individuals andorganizations that claim that for a certain amount of money they can clear the credit history of any person. It should be understood that these are just fraudsters. You can clear the history of your payments only by personally contacting the Central Bank. Therefore, it is not necessary to spend time and money on scams.
