When you apply for a bank loan and get rejected, you wonder why. Everything seems to be in order, you have a stable job and salary.
However, they didn't give you a loan. You contact the bank with a request to clarify your decision. In response, you get either the inattention of the bank or a refusal.
It's simple, the bank itself does not know why the refusal. Therefore, it is easier for him to say that we are not obliged to answer you. The so-called scoring system works on the side of the bank, which, based on your financial situation, decides whether you can give a loan or not. And if so, at what percentage? And bank employees do not know why you were not given a loan, they can only guess.
This page contains a calculator required to calculate the scoring coefficient.
In simple terms, this is a calculator for assessing your creditworthiness. In international practice, when issuing a loan, each borrower calculates a scoring coefficient.
The scoring coefficient is important for the bank, because it allows you to determine the probability of a return of money for the bank. This probability is calculated on the basis of statistical studies that are conducted on a variety of borrowers.
This calculator is a simplified version of the scoring system used by many banks. These systems cost 10 thousand dollars.
The calculator will help you determine your creditworthiness and, based on the obtained scoring coefficient, will select loan offers for you, which in most cases will be given to you. You will no longer need to wait for the bank's response.
Knowing your scoring coefficient, you will be able to predict the bank's decision on your online application with an accuracy of more than 90%.
You can apply immediately, preferably with several banks. This will allow you to get a loan with a probability of more than 90%.
It's simple - fill out the form below, put a tick next to the answer to each question in accordance with your position.
As a result, when all the checkboxes are checked and the button “Find out the chances of obtaining a loan” is pressed, you will receive a numerical value of your scoring coefficient.
Remember and write down this value. You can experiment with the calculator - checking how the value of your scoring coefficient will change when your income and marital status change. Your data is not stored anywhere and will not be shared with anyone.
If you found new job or your marital status has changed, it is recommended that you calculate your scoring factor again. This will allow you to be aware of how much you can get a loan. This will allow you to quickly contact desired bank in case of emergency Money and get a loan within a day.
What is the most important thing when approving a loan? From October 1, each bank, at the direction of the Central Bank, considers PTI. This is an indicator of the debt load. If you have a debt load of more than 50%, then the loan will not shine for you. You can calculate the debt load indicator on our website. See also: Before scoring, any bank first calculates PTI. PIT is affected by your officially confirmed income and expenses. The reasons for failure are usually on the surface. Rejection will come automatically if: Scoring is comprehensive assessment borrower. The score will increase if:
In all the above cases, the probability of obtaining a loan is close to zero.
How to increase your score?
Many citizens are interested in the principle by which banks approve loans. For example, can I get a loan if I have a valid credit card with the selected limit? What happens if a credit card is in arrears? It is impossible to answer such questions unambiguously. It all depends on the specific situation and on what approach the given credit institution has.
The presence of a credit card (as well as a classic loan) in itself is not a reason for refusing to issue a new loan to a client. If the borrower repays the credit card debt in a timely manner, does not allow delays, he may well count on a positive decision on a classic loan. At the same time, the bank will assess the financial capabilities of the citizen, taking into account the new credit burden.
Sometimes the situation is such that a person always makes payments on a credit card on time, but new loan virtually nothing to repay. The borrower himself may miscalculate his strength or rely on additional earnings in the future.
The financial institution sees the issue differently. A loan is issued only when the available income exceeds the loan payment with some margin. This will allow the client not to fall into delay even with a slight deterioration in the financial situation.
If repayment is problematic with current income, the bank will refuse to issue a loan. There are cases when the bank simply reduces the amount of the loan, based on the income of the borrower and his obligations on other loan products.
One of the purposes of obtaining a loan may be debt refinancing in another bank. It is appropriate to do such an operation if the new conditions are better than the current ones (that is, you will save on interest). You can also repay the selected credit card limit.
Any credit relations of the client with the bank are recorded in a specially provided Bureau. One such institution is the NBCH, the National Bureau of Credit Histories. This organization has been operating since 2005. It stores information about existing and closed loans, credit cards in various financial institutions.
To know your credit history and to check whether you have activated credit cards, you need to contact the office of the NBKI partner bank or use the online service on the Internet.
Each person can receive NBKI services free of charge once a year to find out their credit history. The paid number of requests is not limited (the cost of preparing one report for an individual is 450 rubles). You can apply for a report in one of the following ways.
1. By mail:
2. By telegram:
3. Online on the Internet. You can order a report through the Credit Information Agency. The cost of the service is determined by the tariffs of the organization that provides it. Additionally, you can activate the service of notification of changes in credit history (150 rubles).
4. Personally apply to an organization that cooperates with the NBKI (Binbank, Uniastrum Bank, National Bank Trust, Petrocommerce Bank, etc.). Complete list institutions can be found. In this case, there is no need to certify the signature by a notary. The service itself will be paid, according to the tariffs of the organization. If desired, you can order delivery of the report by courier to a convenient address.
5. Personally apply to the office for work with borrowers (Dmitrov, Moskovskaya st., 29, 2nd floor, office 204).
If there is a debt on a credit card, the bank must take it into account when assessing the financial capabilities of the payer. For example, the balance on a credit card is 50,000 rubles. Based on the practice of repaying 10% of the debt (there are also 5%, 3%), a monthly installment of 5,000 rubles is accepted as the base.
As a result, it turns out total amount expenses (for example, 13,000 rubles). Next, the installment on the loan in question is taken into account and the level of salary that the borrower should have is determined. Today, banks mainly approve loans to those customers who receive 20,000 rubles a month. and higher. In the presence of operating loans or cards, this indicator increases.
If the client has a credit card, but the limit on it has not been used, the bank treats this situation with caution. In most cases, the decision is made on the basis of maximum limit on the map. After all, nothing will prevent the client from withdrawing money from the card immediately after receiving a loan or at any other time.
The presence of unfulfilled obligations on a credit card does not mean anything. It is not the fact of delay itself that is important, but whether information about this is included in the credit history. Usually a technical delay (the first 3-5 days) is not considered a breach of obligations. It is regarded from the point of view that some external factors prevented the borrower from making a payment on time. Usually such violations are not reflected in the NBCH if there are isolated cases.
If the delay is long, for a large amount, information about it will certainly be reflected in the credit history. Neither the borrower nor the specialist serving him in the bank can influence this.
Moreover, if the bank understands that the delay is not technical, that the borrower does not have the ability or desire to pay the current installment, he can take the following measures:
If the delay is included in the credit history, this significantly reduces the borrower's chances of obtaining a new loan in the future. But each bank evaluates the reliability of the client in its own way, and makes a decision on lending.
If a few years ago you had a long delay, and then you fully repaid the loan, then you can count on a positive decision.
Just do not hide from the bank employee the presence of a delay in the past. On the contrary, warn the specialist yourself that you have had problems with repayment before and explain the reason. This will be evidence that you do not plan to deceive the bank and do not hide your experience of relations (even negative ones) with other institutions. The fact of delay will still come up when checking the borrower with the services of the bank, even if you keep silent about it.
Many people want to get a loan, because it makes it possible to get some of the money necessary to achieve various goals. However, not every citizen has the opportunity to get approval for any credit institution. The fact is that it must meet certain requirements. Any of us who wants to receive the coveted amount can quite legitimately ask the question: how to find out if they will give me a loan.
The best solution in this situation is to fill out an application for. You can submit it directly at the bank branch or on its official website. To increase the likelihood of approval, it is recommended to visit several similar credit institutions at once, since each bank has its own requirements for the borrower.
If a decision has already been made in advance as to which bank will issue a loan and which loan program will be used for this, then it is important to find out the list of requirements that this organization imposes on each potential borrower. Based on the information received, you can accurately understand whether a particular person has a chance of approval.
To answer the question of how to find out if they will give loans in a bank, it must be remembered that each credit institution sees profit as the main purpose of its existence, therefore, an indispensable condition for cooperation with it is the obligatory return of borrowed funds. Therefore, there are numerous requirements for each borrower.
Each bank is required to verify this fact. If a person is unemployed or carries out activities without official employment, as a result of which he receives wages "in an envelope", then you should not count on it.
An important condition for any borrower is the presence of a stable income, confirmed by official documents. Therefore, when a loan for a large amount is issued, the bank requires the client to provide a 2-NDFL certificate, which can be obtained at the place of work. It is also quite often required to bring a copy of the work book, which indicates not only the place of employment, but also the experience of the applicant for the loan amount.
If it is necessary to obtain a loan for a person working unofficially, then for him the only solution for obtaining borrowed funds is to apply to special microfinance organizations that do not require official employment from their clients.
Whether a loan will be issued or not, you can understand by how much income a potential borrower has. A person must make monthly payments on the loan in the amount that is negotiated by the two parties in the process of drawing up and signing loan agreement. That's why important point is the availability of sufficient income to be able to cope with monthly payments without problems.
In accordance with the requirements of numerous banks, loan payments should not be more than a third wages borrower. Otherwise, he simply will not be able to provide for himself an optimal standard of living. Before contacting the bank, you can use loan calculators online, located on the Internet, to determine what the monthly payments will be when applying for a specific amount for the required amount of time.
A bank can give a loan for a large amount only upon receipt of the following documents from the borrower:
You can determine the possibility of obtaining a loan on the basis of data on existing loans that have already been issued. Everyone should know that data on all issued loans are available in the BKI, so it is simply impossible to hide the presence of any loan. Any bank, when studying an application for obtaining borrowed funds, will certainly submit a request to the BCI, which makes it possible to determine whether a citizen has any credit burden.
If you plan to take a large amount of borrowed funds, then if you have already issued loans, you should not count on bank approval. This is especially true if the monthly payments on existing loans are large, so they take up at least 40% of the borrower's income.
Some people who regularly use credit cards, believe that loans on them are not taken into account by banks, but in fact such lending is also considered important. Therefore, if there are debts on the card, the bank has the right to refuse to issue a new loan. It is recommended that you check this information yourself before applying.
Often there is a situation when a person who has a good credit history, high income and other positive parameters is refused by the bank without explaining the reason. This is most likely due to the presence of a loan on the card. If it is repaid, then when you re-apply, there is a high probability of getting approval.
You can find out information about whether a loan will be given or not by using special programs that provide special tests. This process is called "scoring", with the help of which a certain rating is assigned to a particular borrower. Based on the points earned, a preliminary decision is made regarding the issuance of a loan to a citizen. It is the passage of scoring that is considered the first stage in the assessment of a potential borrower by the bank. Even if he has a good income and credit history, and the automatic program puts a low score, the loan will not be issued.
Each banking company uses its own programs that have unique conditions, tests and parameters. To find out if they will give loans in a bank, you need to find it on the Internet a large number of calculators that are scoring. By entering the basic data into them, you can understand how many points a potential borrower can get.
The scoring coefficient calculated by the automatic program allows the bank to understand how likely it is that a particular citizen will be able to return the borrowed money on time and with interest. The process of passing the test itself is considered very simple, since you only need to fill out a special questionnaire, in which reliable information is entered. If false information is provided, this will become known to the bank, so this fact will never go unnoticed.
If there is a need to urgently obtain borrowed funds, it is initially recommended to fill out an application for a loan at once in several banking organizations.
Each bank has its own conditions and requirements, so if a categorical refusal is received in one institution, then approval can be expected in another.
In order to get a positive decision on the application, the following important conditions should be taken into account, namely:
Thus, it is almost impossible to know for sure whether a loan will be approved. However, to do this, you can first check the compliance of the citizen’s capabilities with the numerous conditions of the bank, as well as pass a special test (scoring), on the basis of which a certain number of points will be assigned. The more of them, the higher the probability of getting a loan.
Loans can be both a lifesaver and a problem. And you always need to know if a person has any credit now. After all, sometimes it can be unknown, up to a certain point. For example, appear due to fraudsters or a mistake by bank employees. How do you know if you have loans?
There is a summary of loan obligations and their actual performance by the borrower. AT ordinary life this is called "credit history". This data is collected by banks and micro financial companies, after which they are transferred to the BKI (Bureau of credit histories). This requires the consent of the borrower, which the institutions receive during the execution of the contract.
In the BCI you can always find information of the following nature about anyone:
Credit history is necessary, first of all, for banks. With its help, they can find out if there are loans on a person, how many there are, how they were paid, and so on. And, based on this, make a decision on the issuance / non-issuance of a loan.
This is a tool with which the bank can check the loyalty, solvency and honesty of the borrower. But only on condition that he has ever taken a loan and has already paid it off. Naturally, its presence does not make the life of the borrower easier. But he can also use it. For example, to find out if someone has taken a loan for him, or to check whether all his payments have been made correctly.
If the credit history is unsatisfactory (for example, there are debts or delinquencies), then the bank may simply not want to issue a loan to such a person. Because these are unnecessary risks (now many people simply do not pay loans, causing losses to the institution), and the organization does not want to shoulder them.
By the way, it is impossible to fix a credit history. Any problem with cellular operators or financial companies will be sent there. And in the future, due to a small delay, for example, for a toaster or microwave, you can not get a mortgage or a loan for treatment. Therefore, it is important to take care of your credit history from a young age. If you miscalculated, you will have to wait at least 10 years for some bank to agree to give you a chance.
Credit history is strictly confidential information. It can never be received by a person who does not relate to it at all. You will have to go through identification in order to find out your own debts (or lack of them), and prove that it is really you, and not anyone else.
Unfortunately, checking your credit history online is the most difficult thing. To be able to do this, you will need to know your “credit history subject code”. It is formed by a bank or financial institution at the first request. That is, only if the loan has already been taken.
Read also:
How to check the status of a payment in Euroset?
Let's take a live example. This method is suitable if I know for sure that a loan has been issued for me. That is, I want to know what loans are issued to me, and all the information about them.
In this case, I already have the subject code, and there is no need to get it. Then you can check CI directly from home:
After that, if all the information has been entered correctly, a list of credit reference bureaus will be issued to which you can contact for information about your debts. To do this, just find the website of your BCI (or one of the BCIs), and then apply through it. The statement will indicate how many loans a person has, as well as all the information on each of them.
Remember that the first request to the BCI within a calendar year about a credit history is free. You will have to pay for the next ones.
If you have not been issued a single BKI, double-check the subject code. You may have entered it incorrectly. If everything is correct, then there is no need to worry. It’s just that you don’t have a single loan, and therefore there is simply nowhere to get information in the BKI.
We continue the series of examples. The mail option is ideal if I know that I have no loans, but want to know if I have any loans (for example, after losing my passport).
This can be done through the National Credit Bureau. To check your credit history through the NBKI, you need to:
Typically, the National Credit Bureau responds within three business days of receiving the letter. That is, taking into account the speed of the mail, you will have to wait from a week to a month.
You can also check credits on your passport using a telegram. This does not require a notary and a form. You just need to come to the post office, where you can send a telegram. Then send the following data to the address above:
Read also:
The 2010s are over: what were they like for Russia and the world?
After this response, it is also worth waiting for within three working days from the moment the telegram arrives at the NBKI office.
There are several options through which you can personally obtain information about your credit history. Especially for those who do not trust the Internet or mail. What are the options:
The first two methods will require money. Even if you are making a request for the first time in your life. Since the payment will not be for information, but for the service.
Yes, you can. But only if the owner of this credit history is ready to give permission for the check. To make a request, you need to obtain a notarized power of attorney from the holder of the CI, and also remember its “credit history subject code”. Then send a request to the BKI by any of the above methods. Don't forget to attach a power of attorney.
Unfortunately, the free test is only available once a year. Otherwise, you will have to pay a small amount for providing information - within 450 rubles. But once every 12 months is too little to keep the situation under control.
The more often you check your credit history, the greater the chance that you will notice a suddenly appeared loan in time. Remember, if you suddenly lost your passport, it is advisable to check your credit history within a month after that in order to take care of getting rid of someone else's loan in time without damaging your credit history.
If no excesses occurred, the on-duty check of the CI should be carried out at least once a quarter.
After checking, you can suddenly find the presence of loans about which the "borrower" knows nothing. These are the tricks of scammers who somehow got access to a person’s passport (or a copy of it) and decided to get rich. What to do in this case and how to solve the problem?
Unfortunately, the conditions for taking loans in some financial institutions make it possible, as it were, to accidentally issue a loan for someone else's passport. This will require the original and a photocopy. This is a problem that can await anyone.
Since sometimes only a passport and a more or less similar appearance are enough to take out a loan, there is a risk of being owed. And not to the bank (even the real owners of documents are not always approved there), but to microfinance companies, which is much worse.
Moreover, sometimes you can meet unscrupulous workers financial institutions. They have access to everything they need to pull off a crime. And a simple copy of the passport is enough. Therefore, there are always risks.
They often send a question that sounds like this: “How do I know which bank will approve a loan for me?”, And really, how?
The situation of each borrower is unique: someone has an ideal credit history, but low income, someone has a high income, but in the past there were significant delays on loans, and someone never applied to any banks at all.
How can you help someone answer this question? How?! We found a way!
And we have prepared an article for you with seven different services, each of which helps to answer this question!
You need to give answers to the questions of the questionnaire, after which the service will select offers for you that will be approved with the maximum probability.
Important: on the market financial services There are unscrupulous loan brokers in Russia who take huge commissions from clients if banks approve loans. Read the terms of the contract carefully!
By answering 15 questions, you can find out your credit score and the likelihood that banks will approve a loan.
It is somewhat similar to the previous one, however, it additionally analyzes the maximum possible loan amount that can be approved, according to the borrower's salary.
« What affects bank loan approval?
You can also find out in advance whether the bank will approve the loan. It is enough to find out the requirements for borrowers, which are indicated on the bank's website. If you fully meet the criteria for age, residence, marital status, work activity, then you can expect banks to approve the loan. If 1-2 parameters do not match, then it is quite possible that the bank will show loyalty to you and approve the loan, compensating for its risks more a high percentage overpayments.
Also, before applying, pay attention to the following factors:
