How to get a loan if there is a bank

Often situations occur when a loan in the bank is not repaid, but there is a need to take another. Banks are not too soon accepting such customers, and you can often get a failure. The National Bureau of Credit Stories has all the information about unfair payers. Banks are considering every application for loan design individually, debts on loans are also different, so even with a bad credit history you can get a loan.

In order to get a loan on repayment of debt in another bank, you should fill out an application where you need to specify that the funds are necessary for the payment of old debt. To make a loan, you need to have a passport, a second document confirming the identity (driver's license, passport, INN), Help 2-NDFL. If the borrower gets unofficially the main part of the income, it is recommended to submit a certificate in the form of a bank, orally or written confirmed by the employer.

The probability of failure will be minimal if the borrower has a movable or immovable property that it can lay. It may be an apartment, a car or securities. The presence of pledge almost 100% guarantees a loan to persons with debt in the bank.

The chances of obtaining a loan increase if a borrower has one or two solvent guarantors. A legal entity can be made as a guarantor. The guarantors will have to document their solvency.

Some credit organizations may require additional documents: a certificate from a psychiatrist or from a drug transmission, a certificate from the place of work to confirm the common experience and other documents.

Documents required for loan design will be checked for some time. Each application is considered individually, and only the bank will decide whether to approve a specific loan or not. Documents are a thorough verification of reliability, after which the bank in oral or writing announces its decision to the borrower.

If the borrower received a refusal to the bank, it still does not mean that he will also refuse him in another organization. You can prepare documents for credit registration in another bank or use microfinance services.