I wanted to take out a loan. Is it worth repaying a loan early?

From October 1, 2015, ordinary citizens in Russia can also declare themselves bankrupt. Previously, this "privilege" was available only to organizations (firms, enterprises, etc.). What came out of this can now be seen from the information about hardened debtors. Now they, skillfully taking advantage of a legitimate opportunity, get out of the water dry, freeing themselves from multi-million dollar obligations. Who stays with the nose? Let's look at specific examples.

Pensioner Marina V. (initial changed. - Note. RZ) from Svetlogorsk receives a gift from the state for her 55th birthday: she becomes an official bankrupt. She filed for bankruptcy herself. She was represented in court by two lawyers. The credit history of Mrs. V. was also revealed there.

May 20, 2008 -loan agreement with ZAO Russian Standard Bank. Credit card with limit 25 000 rubles. Later it was increased to 150,000 rubles. Minimum payment per month (recommended) – 6 500 rubles.

June 17, 2010 - loan agreement with Tinkoff Credit Systems". The same story again: a credit card with a limit of 25 000 rubles. Later it was increased to 150,000 rubles. Minimum payment per month (recommended) – 7 500 rubles.

Payments are increasing, but income, obviously, is not increasing. Marina V. is not lost and knocks on next bank. The bank doesn't mind.

June 2, 2011- a loan agreement with VTB 24. Here immediately a loan for 150 000 rubles on the 60 months (5 years) at 23.9% per annum. Monthly payment - RUB 4,306.49

July 30, 2012 - loan agreement with JSC "Vostochny Express Bank" for the same 150 000 rubles on the 60 months. But the stake is different: 25% per annum. Monthly payment: 5 305 rubles.

November 10, 2013 Marina V. enters into a loan agreement with OJSC Leto Bank (part of the VTB Group) for 200 000 rubles on the 35 months under - attention! - 39,9%. (By the way, right now Leto Bank offers a loan on its website at 16.9% per annum.) Obviously, not a single muscle flinched on the face of bank employees when they gave a knowingly non-repayable loan to a pensioner who already had four loans. The monthly payment for this loan is 9 600 rubles.

TO April 2015 Marina V.'s monthly payment for all loans (without penalties) was already 33,211.49 rubles.

As of November 20, 2015, banks demanded from the debtor 754,533.4 rubles:"Russian standard" - RUB 240,939.62; "Tinkoff" - RUB 134,745.07; Orient Express Bank - RUB 124,172.03; VTB 24 - RUB 45,260.58(in fact, the debtor repaid only this loan); "Summer Bank" - RUB 209,415

Since April 2015, Marina V. has stopped paying at all. 9 months before retirement, the debtor took the last loan - obviously not repaid by her personally.

In court, it turned out that her old-age pension was only 7 309 rubles + monthly cash payment to a labor veteran - 1,600 rubles.

Marina V.'s husband is also a pensioner with pension benefits in 11,000 rubles. Of all the property, the court identified a 1982 Mercedes 240 and two accounts in Sberbank with a total balance of funds 35.31 rubles.

The apartment where Marina V. lives belongs to her husband and his two children from previous marriages. Consequently, the imposition of a penalty is unlikely, since it was acquired, obviously, not in a joint marriage.

A bankrupt, according to the law, can be declared a citizen who has debts of at least 500 000 rubles, for which payments are not made within three months.

The court has the right to check whether a citizen is insolvent. There is a big difference between bankrupt and insolvent. The insolvent can pay, but not very much.

In court, Marina V. asked to be declared bankrupt. The court agreed. Marina V. made a deposit of 10,000 rubles - a reward to her financial manager for the bankruptcy procedure. (She had that money.)

She doesn't owe the banks anything. Well, unless her financial manager finds some of her property. Then he will be able to sell it, take 2% of the reward for himself, and give the rest to the banks - in the order of priority.

Valery G. (initial changed. - Note. RZ) lives in a newly renovated two-story house on the southern outskirts of Kaliningrad (the street is called a tributary of the Volga).

He began his credit history at the age of 62, borrowing on September 16, 2013 from another citizen 750,000 rubles under 20% per annum. The contract contained clause 4.1: for each day of delay - 1% of the outstanding amount as a penalty.

By November 23, 2015, Valery G. owed: 312 500 rubles as interest on a loan + 3 202 500 rubles like a penalty. Not bad for two years, isn't it?!

March 4, 2015 Valery G. managed to go to Russian Standard Bank, having received a loan there RUB 599,897.25 under 28% per annum. Monthly payment: 14 990 rubles. How and with what he was able to convince the bank is not reported in the case file.

Total by the end of November for Valery G. was in debt 4,864,897.25 rubles. Pension for December 2015 - 7,161 rubles. Payment of a strictly monthly pension in full will take 679 months or 56 years old.

However, Valery G. found a plot in 1,000 square meters in the Tula region, in the deep wilderness. Lenders will be very lucky if its value is at least one tenth of the debt. Most likely it won't work.

In court, Valery G. was represented by a lawyer.

The court appointed him a financial manager, whose tasks now include identifying property and selling it. And Valery G. himself is now bankrupt, who is not entitled to be pursued by any collectors.

Since October 2015, he has been protected by Russian law.

How to get a loan with a bad credit history if they refuse everywhere? Where can I urgently get a cash loan to pay off other loans? In which bank without refusal can I get a loan at a low interest rate?

Hello, friends! Eduard Stembolsky and Dmitry Shaposhnikov welcome you again.

Let's talk about loans today. Money (small and large amounts) may be needed at any time: everyone has their own life circumstances.

In situations where there is no way to borrow money from friends, you have to take a loan from banks or from microloan companies.

We will also consider many other issues - where to get a loan without a guarantor, how to get a loan via the Internet and how not to take extra loans so as not to get into debt.

So, let's begin!

1. What is important to know about the modern market of credits and loans

How to get a loan under the minimum rate? Where to get a loan in cash and non-cash? In a person's life, situations often arise when money is needed urgently and in large quantities.

In such cases, a loan is almost the only way to solve a financial problem quickly and efficiently.

The only thing to keep in mind when taking out a loan is the need to repay the loan.

There are many ways to get a loan, each with pros and cons. You can take a loan from a bank, a microfinance organization, a pawnshop - later in the article, each option will be considered in detail. The main thing is to approach the matter soberly and reasonably assess your own financial potential as a borrower.

Before borrowing, experts advise considering several important points and answering a number of topical questions:

• Do you really need this loan? Are you ready to increase your financial burden? If you buy an expensive thing with the help of a loan, decide - do you really need this thing so much?
• Decide on the loan amount. It's especially good to think about if you decide to take out a multi-year (and sometimes even decades) mortgage.
• Turn on the mind and discard the emotions: in money matters, one should be guided only by a sober calculation.
• If you take a loan from a bank, take care of all the documents, which will help you get money in debt with a minimum interest rate.
• Decide in advance on the purpose of the loan: banks often offer targeted loans(for a wedding, training, buying a car and an apartment). Find out which bank is more willing to give car loans, and which one is more profitable to get a mortgage. Many banks offer consumer loans for urgent needs - for such loans you will not be required to report on what purposes you intend to spend finances.
• Decide which bank to take a loan from. If you already have a salary account or an open deposit in a bank, then its employees will be more willing to consider a loan. Wherein interest rate will be more feasible, and in some cases, income statements and other documents will not be required, since the information is already on your account.
• Each reputable bank in its office or on the website places important information for customers - carefully read all the points of the “borrower memo”: This will help you properly apply for a loan.
• Be sure to check with your bank How can I pay off a loan. It is important that this method is as convenient as possible for you. Sometimes delays in payments arise due to the inconvenience of repaying a debt.

observation from life

If the bank employee with whom you are consulting about obtaining a loan answers your questions evasively, reluctantly, or often finds it difficult to answer, do not rush to draw up an agreement - you will surely find some “pitfalls” after its conclusion.

However, Banking services is not the only way to solve your financial difficulties. Below we will consider other ways to take money urgently, without a guarantor and certificates.

2. Bad and good loans - what's the difference

Some people have a negative attitude towards any loans. But this is not entirely true.

It is important to know that a loan to a loan is different. The fact is that not many people know that there are good and bad debts.

Let's explain what the difference is.

For example

You took a car on credit, used a car loan (your car can both bring you money and take it away).

You then have 2 options for using the car:

1. For fun. You ride friends (girls), go on trips. At the same time, you pay for insurance, gasoline and maintenance anyway. But to these expenses you also have loan payments added. That is, your car is for you a money devourer or, in other words, a liability. In this case, your credit is bad.
2. For work. You are professionally engaged in private transportation, working in a taxi. Then in a month, let's say you earn 45,000 rubles with a car, and give 15,000 rubles for a car loan. Then your car is an asset, that is, property that increases your income. In this case, your credit is good.

Conclusion: if you take out a loan in order to earn more with it, that is, your profit will be higher than the payments on the loan, then it can be called good.

If you borrow money in order to improve your mood, "show off" and so on, then such loans are bad.

If you want to learn how to make money with good loans and effectively manage your personal finances, we recommend that you play the Cash Flow game.

There is a popular article on this topic on our site:. In this article, Alexander Berezhnov, our colleague in the HiterBober.ru project, shares his experience of participating in and running this game.

3. How to get a loan without refusal - 7 real ways

It is quite possible to get a loan without refusal and urgently, you just need to know where to go. We chose 7 real ways obtaining cash and non-cash loans.

Method 1. Microfinance organizations

Microcredit is a relatively new financial service. It is a cross between private and bank loans. Microfinance organizations are more willing to lend than banks and do not require a report from the client on the purpose of the loan and other items. The only negative is the small size of loans compared to bank loans.

Microloan- a loan for up to 50,000 rubles for a specific period. Under standard conditions, this is a month from the date of execution of the contract.

To take a loan, you only need a passport (no guarantors are required) and a decent appearance.Microfinance organizations are an option to get a loan for an unemployed person or a person without a credit history.

Advantages of microloans:

• Fast registration: the application is processed in 5-10 minutes, you do not have to waste time collecting certificates;
• A guarantor is not needed;
• You can complete the transaction online at home;
• You can repay the debt within a month or earlier.

This is the most convenient option when you need money right now. Microloans are an alternative way if you were refused by the bank (due to the lack of necessary guarantees). Microfinance companies will help those who want to get a loan quickly and without numerous questions from the lender.

Most of the firms that provide such services operate both in the "ground" points of receipt of applications, and through the worldwide network.

You simply register on the portal and receive money without collateral, guarantors, income documents, information about financial history and other "troubles". On the resource you need to fill out a questionnaire, leave a phone number and go to your personal account.

After that, it remains only to choose the right amount, the debt repayment period, agree to the terms of the company and apply for a loan.

You should take only as much as you need: you should not succumb to the persuasion of employees of a microfinance organization to take an amount greater than you yourself want (say, 10 thousand instead of 8). A difference of several thousand in case of delay will grow into tangible interest payments.

If you have a Qiwi wallet, it will be even easier to take a loan: the money will be transferred to your account almost instantly after the application is made.

True, the initial loan to the card without providing a financial history will be small ( up to 5,000 rubles), but subsequent amounts will increase many times over. In case of early repayment of the loan, the fee at the rate will be minimal.

If working with the site seems too complicated for you, you can take a loan with a passport at the office of a microfinance company closest to your home. The decision on your request is made literally in 5 minutes.

What determines the interest rate on loans? From two points - the amount and maturity of the debt, which you choose yourself.

Microloans also have disadvantages. The biggest minus - accrued interest. Interest rates in microcredit are usually higher than in bank loans.

Overpayment percentages will become especially high if you delay payment for any reason.

Real life example

Our friend took 20,000 rubles before salary for a gift to a girl. He was supposed to receive his salary within a week. However, there was a delay in the transfer, and then the money was urgently needed for other needs. As a result, a small delay of several weeks cost him almost 15 thousand overpayments.

Output

microcredits are a convenient way to take a day for urgent needs, but they must always be paid on time.

Method 2. Private loans against receipt

Where can I get a loan without a credit history? What to do if the bank and the microfinance organization were refused (it happens)?

There are two options left - to take from relatives (friends) or from an outside private person.

We do not consider the first method: let's say relatives refused, but friends, unfortunately, do not have this moment cash. Consider the second option - to borrow from a private person, a complete stranger to you.

Announcements of this type can be found at any stop or even at the door of your own entrance: "Money from a private person", "I will lend without guarantors."

It sounds rather strange - why on earth would an outsider suddenly decide to lend money to another outsider? Thoughts of free cheese immediately pop up. In reality, such an operation is quite safe and It's perfectly legal if it's done properly.

A legally competently executed and notarized receipt serves as a guarantee for the return of funds on a private loan.

Such a document looks like this:

We offer you to download the receipt form for receiving funds

If you think about it, the borrower, not the lender, is more at risk in this situation. Private investors always take into account the probability of debt default, therefore they charge impressive interest for their services. Sometimes they are twice as much bank rates on loans.

And one more minus: if for some reason the client does not repay the borrowed funds on time, the investor can apply to a collection company, which will have the right to deprive the borrower collateral. Lenders may have other, even less pleasant ways to repay money.

That's why this way quickly take out a loan should be practiced only when you totally sure that you will return the money just in time .

The advantages of this option are obvious:

1. Availability- a lot of offers, giving the opportunity to choose the most profitable option;
2. Efficiency: made a decision, executed a deal, took a loan;
3. Design transparency. Minimum set required documents and an understandable form of registration - an IOU.

Offers from private traders can also be found on the Internet. Many people with big money are not averse to lending their finances to everyone.

Before you draw up a contract, carefully study its terms, especially the clauses written in the smallest print.

Method 3. Credit card

Credit card (aka "credit card") - bank payment card, which can be quickly issued in almost any bank. With such a card, you can carry out payment transactions within the limit provided by the bank.

Restrictions on the amount are set according to the solvency of the client, which is determined by bank employees.

The card can be used as a substitute for a consumer loan or a loan for urgent needs.

The main advantage of a credit card is the ability to use a loan without reporting to the bank about its intended use.

Another plus is the constant renewal of credit opportunities after debt repayment.

Also, most cards have a so-called interest-free loan repayment period. That is, if you replenish its balance on time to the original one, then you will not be charged interest.

More useful information- in the article "".

Method 4. Loan secured by property

There are loans without collateral and loans secured by property. An unsecured loan requires guarantors and a large official salary. The total income of your guarantors should allow you to pay off loans in case it is difficult for you.

As a rule, larger loans are issued on collateral. In which case, the bank has the right to withdraw and dispose of the collateral at its own discretion.

You can use as collateral:

• Real estate;
• Private car;
• Securities;
• Land;
• Other valuable property at the discretion of bank employees and parties to the agreement.

The mortgaged property must be habitable. If it is in fractional ownership, the bank requires the official consent of all parties to the agreement.

Throughout the loan repayment period, the borrower has no right dispose of (sell, donate) own property.

Remember that banks always reduce the real value of collateral ( sometimes up to 50%) - in this way they insure themselves against the risks of late repayment of the loan, so that in which case it is profitable to sell the property.

Method 5. Pawnshops - quick cash loans

Most people have valuable items that can be pawned for cash. These institutions willingly accept jewelry, gold and antiques, however, the assessment of such things is not always adequate to their real value. If the thing is dear to you as a family heirloom, take care of its timely redemption from the pawnshop.

If you failed to redeem your property on time, it becomes the property of the pawnshop - then the office disposes of things at its discretion. Usually, the organization sells such things to the same lovers of valuable things directly from its counter.

Some value-buying companies accept, along with jewelry, modern mobile devices, expensive equipment in good condition, sometimes even cars. Such companies call themselves digital technology pawnshops.

In any case, any valuable thing, be it dear mobile phone, LCD TV or gold ring, can bring you money without even being sold.

Things to consider when dealing with pawnshops:

• transactions for the delivery of property to a pawnshop can be performed only by adults;
• a passport is required;
• a fee is charged for storage;
• the return of property is carried out after the payment (return) of the full amount of borrowed funds;
• rough stones (semi-finished diamonds) are not accepted by pawnshops.

A significant minus of pawnshops when obtaining a loan is the valuation of your item below the real value of things due to the specifics of the business.

Method 6. Credit brokers

A loan broker is a kind of intermediary between banks and borrowers. The broker selects the best lending schemes, interacts with appraisal and insurance companies, fully accompanies the financial projects of its clients.

For their services, the broker, of course, takes a certain fee, measured as a percentage of credit transactions. Based on individual agreements with banks, brokers can offer their clients more attractive conditions.

Real life example

Our friend Andrei had a need to get in the bank a large sum money. At the same time, he had to be present on a business matter in another city: he simply did not have time to complete the transaction and collect the necessary documents.

Andrey decided to entrust his affairs to a reliable credit broker (who is a member of an association of brokers) and was not mistaken: he saved time and at the same time received a more favorable interest rate.

Method 7. Borrow from friends

Also, by the way, the option of obtaining a loan. If you respect the peace of mind of your friends and family, you can formalize the loan by notarizing it.

Friends are unlikely to take interest on loans from you, but if it was a substantial amount and a long repayment period, you should thank your creditors with a good gift.

And in the end we wanted to show you visually comparison table different loan options:

№		Time spent	Cash costs (overpayment)
1	Bank loan	1-5 days to collect documents	10-28%
2	Microloan	5-30 minutes	15-50%
3	Pawnshop	On the day of referral	5-10% commission
4	Credit Brokers	From 1 day	by agreement

4. Where can I get a quick loan - TOP-7 trusted banks

We present a list of banks that offer adequate interest rates, work quickly and rarely refuse customers.

1) Tinkoff bank

Accelerated loan processing up to 70,000 rubles. This microfinance organization operates exclusively through the Internet. It is enough for the client to make an application by filling in a few required fields, and loans for a period of 5 to 18 weeks will be available to him. If during this time you do not have time to repay the debt, you have the right to extend the terms of the loan.

Early repayment of the loan is not prohibited. For each day of using the company's funds, you are charged 1.85%. The first loan is up to 10,000 rubles. If you repaid the loan on time and in full, larger amounts will become available to you. From the documents you only need a passport. Funds are transferred to the card instantly after the approval of the loan.

Real life example

Natalia (an acquaintance of our acquaintances) has already issued a loan for the purchase of technological innovations for the third time in a row. She needed her first loan to buy newest model smartphone of a well-known company.

The second was spent on the purchase of a tablet from the same company. Now it's time to get a new laptop. Salaries in beauty salon only enough to pay off one of the 3 loans. What to do with the other two Natalia has not yet figured out.

Why it happens? Is it hard to master at least the basic concepts financial planning? Psychologists say that the reasons should be looked for much deeper.

People who take loans for immediate needs subconsciously believe that they will not be able to make such purchases in the future - in other words, they do not believe in themselves.

6. Conclusion

Let's sum it up, friends!

We told you about where to get a loan, the types of loans, how to get them and alternative options. In conclusion, we add that, of course, one should not be afraid of loans, but a frivolous attitude towards them is also dangerous.

Related posts:

A good job, a “white” salary and a positive credit history do not yet guarantee a 100% loan. Sometimes banks refuse credit even to the most trustworthy clients. As a result, honest borrowers sincerely wonder why they are denied a loan, because all the requirements of the bank are met. If you are denied a loan, the reasons can be completely different:

• Borrower's bad credit history is the most common reason for rejection. Some banking organizations turn a blind eye to small delays and late payments, issuing a loan at a very a large percentage, but the vast majority of banks will never issue a loan to a borrower who has a bad CI. Reason for loan denial may also be a lack of credit history. If the borrower has never taken loans or microloans, he may be considered unreliable.
• The borrower does not meet the requirements of the bank. As the main requirements, banks put forward certain age, length of service at the last place of work, as well as the level of salary and references from work. If you do not meet at least one of these criteria, the bank will refuse to provide a loan.
• Outstanding loans. If the borrower has 1, 2 or 3 outstanding loan, but he pays them on time, the bank may also refuse to issue a loan, believing that the borrower cannot cope with his debt obligations. An important role in this case is played by the amount of wages, if it is able to cover another loan, with a balance of living wage, then the loan will most likely be issued.
• Black list . Banks have a so-called "black list" of borrowers, which they willingly share with each other. If you have had unpleasant incidents with fin. the institution where you took out a loan, you can be sure that you will get there. Also on the black list are people who tried to take a loan fraudulently, using forged certificates or other documents, etc. Once in the black list of one of the banks, you are unlikely to ever be given a loan.
• Loan amount and term. Strange as it may seem, the amount of the loan is also crucial. Banks are studying debt load client, taking into account their plans to extract benefits. If monthly payment on a loan is 40-60% of the monthly salary of the borrower, most likely he will be denied a loan. If the loan amount is small, and with a confirmed salary of the borrower, he can pay off the loan in a couple of months, he may also be refused. After all, it is almost impossible to make a profit from such loans. The longer the period, the more money bank will work.
• Applying for a loan from several banks at once. If you have submitted an application to several banks at once, be aware that information about this will appear in the CBI and the bank will certainly find out about it. In this case, you may be denied a loan, assuming that you have financial problems.
• Appearance of the borrower and behavior during the interview. Even if your documents are in order, you meet all the requirements of the bank and brought a certificate of salary, you may still be refused. The reason is an unpresentable appearance, alcohol or drug intoxication, nervousness when communicating with a bank manager.

A credit consultant evaluates the appearance, behavior of the borrower and puts a certain status that corresponds to her personal considerations regarding the client. One tick can deprive an honest person of a loan or vice versa. Not the last role is played by the presence of visible tattoos.

Sberbank - refused a loan. Where to get a loan?

Sberbank refused a loan, what to do, what to do? Topics with similar questions are found in many forums. Borrowers are interested in why Sberbank refused a loan, but there is no exact answer to this question. This bank has very strict requirements for its customers; getting a loan here is quite problematic even for exemplary borrowers with a positive credit history and a high salary certificate. The only right decision in such a situation would be to apply for a loan to another bank, since there are plenty of them. If you have doubts about your credit history and want to check it, you can order a credit report online

Get your credit history online

I was denied a loan, what should I do?

If you are everywhere denied credit try to improve your credit history. This can be done with the help of microloans in the Platiza MFI. You need to take and pay back a few small loans.

Here, the requirements for borrowers are much more modest than in banks, and almost everyone can get a short-term loan. Information about a couple of microcredits returned on time will definitely appear in your credit history, which will undoubtedly improve it. This is not done in one day, but you can count on receiving a loan in the future.

If you need a small amount of money and the banks refused, you can take a loan from the same microfinance organization. You can be granted a loan of up to 80,000 rubles for a period of up to 1 year. An alternative solution would be to appeal to private investors.

If these options do not suit you, and you want to get a loan in banking organization, it is better to contact certain banks, where the percentage of issuance is the highest, and the requirements for borrowers are minimal.

Another option is to contact a loan broker who can help you get a loan or tell you what is preventing you from getting a loan.

Below are the ads of trusted brokers

Banks that refuse to lend

Banks that do not refuse a loan do not exist, there are banks that are very loyal to customers and issue small loans to problem borrowers at a very high interest rate. Exactly high interest justify all risks.

For example, you can get a loan without a credit history at RosGosstrakhBank, Eastern Express bank, Tinkoff, Russian Standard and Probusinessbank. Fairly loyal terms to the borrower and Renaissance

Application for a cash loan at RenCredit

If you have a damaged credit history and large banks denied credit, contact KB "Let's go" for help. The specificity of this organization is in the unusual design of the loan. No scoring here computer program), which decides to give or not to give. Here everything is decided by a living person, credit consultant who serves you. Of course, CI is checked here, but if you are convinced that you really will return everything, you can get a loan without any problems.

A similar scheme operates in Probusinessbank, which allegedly lends on trust. Of course, these are all fairy tales, but the percentage of approval here is very high. Despite the delays and the presence of outstanding loans, you can get a small loan up to 100-150 thousand rubles.

Vostochny Express Bank is very loyal to borrowers. Here you can get a second loan, even if the first loan is not repaid and there are big delays in payments.

Loan from Vostochny bank

Russian Standard will be unshakably present in the list of banks that do not refuse credit. Receive a small amount money or credit card it is possible even with monthly delays on loans in other banks. Home Credit Bank is a little more demanding on customers, although here it is quite possible to get a loan with a bad CI.

According to some data, for every third application for a loan, most banks give a negative answer. The reasons for refusal can be different, each case is individual. At the same time, a potential borrower is not always explained why they are not ready to provide funds. Each bank has the right not to advertise the reasons for the refusal, as a result of which some people cannot influence this decision in any way by correcting some shortcomings. Then how can you get a loan if all banks refuse?

However, there are ways to get money after bank refusal. First of all, you need to analyze the possible reasons for the reluctance of bank employees to give a loan, try to correct them and contact the institution again. If this does not help, other non-banking institutions and organizations are also ready to provide funds. True, in this case, you need to be extremely careful: in Russia there are dubious companies that offer loans to people on onerous terms.

It can be said that There are two main reasons for being denied a loan.. The first of these is related to the bad credit history of the client. Before issuing money, the bank checks it against all possible bases to find out if a person had difficulties in repaying any loans in the past, whether he has other debentures. If there are other loans, then before taking a new one, it is advisable to pay it off.

The second common reason for refusal is related to the client's lack of credit history. The bank in this case simply cannot find out how the person cooperated with financial institutions in the past, he may not want to take the risk of committing himself to this borrower.

There may be other reasons for rejection:

• insufficient income (if monthly payments on a loan will exceed half of the income of a citizen, he will most likely be refused);
• an application with a request to open the possibility of early repayment of the loan, which is not beneficial for the bank;
• inappropriate age (banks are reluctant to agree to transactions with the elderly and students);
• insufficient work experience (some banks require that a person be registered at the last place of work for at least 4 months, others require six months or even a year of work, if a potential borrower constantly changes employers, this may also raise suspicion of the client's solvency);
• work on individual entrepreneur or in a company with a dubious reputation and on the verge of collapse (according to statistics, individual entrepreneurs are closed much more often than LLCs or enterprises of other forms of ownership);
• the presence of a criminal record, especially under economic articles;
• the presence of mental illness;
• providing forged documents and false information about yourself (for this, by the way, they can be held criminally liable);
• lack of a stationary home phone and, especially, a stationary worker;
• incomprehensible purposes of the loan (banks have special offers for borrowers who are going to buy an apartment, a car, start their own business, consumer credit for these purposes, as a rule, they are not issued).

Sometimes a client is refused purely for personal reasons, for example, an employee may not like the appearance of a person, his behavior. This, of course, does not mean that you need to come to the bank in a suit, but you should not go there in dirty clothes either.

How to increase the chances of getting a bank loan?

Some of the problematic aspects that caused the bank's refusal are practically impossible to correct. If a person has a damaged credit history or has a criminal record, you can’t return the past. However, some of possible causes refusals can be crossed out by formulating, for example, clear goals for the loan or by waiting until the term of work in a new place satisfies the requirements of the bank.

If you wish, you can significantly increase your chances of getting a positive decision from the bank. For this you need:

• find solvent guarantors;
• in the absence of a credit history, you can apply for a so-called commodity loan in any large store for the purchase of a laptop, telephone and other equipment. About the buyer who has fulfilled all the requirements of the store, good information is transmitted to the Bureau credit histories;
• You can also apply for a credit card. With a reasonable use of the card to the client, as a rule, banks themselves, after some time, do loan offers(presence of salary bank card, in principle, also increases the chances of granting credit funds).

Can I get a loan without using the services of a bank?

Providing a loan is always beneficial for lenders, so it is natural that not only serious and large banks, but also various institutions and organizations are ready to provide such a service.

How to get a loan without a bank:

1. Recently, the so-called car pawnshops have become popular. If a person has a car, he may well ask for a certain amount of money there against the security of the car.
2. Contact one of the microfinance organizations that provide small loans in the range of 30-50 thousand, and the registration procedure takes place in a matter of minutes and without a thorough check of the client's solvency. However, it is worth remembering that the cost of the rate of such loans, as a rule, is many times higher than the cost of standard bank loans. The negative side of such lending is also often attributed to the fact that people fall into psychological dependence on microfinance organizations. Now in Russia there are thousands of similar structures offering citizens quick loans. But, according to a number of experts, this area of ​​the economy is full of opacity, borrowers take loans at a rate of almost 1000% per year, and sooner or later such a business will collapse with a scandal. The history of the first microfinance organizations began in the 1980s, it is believed that it was based on the idea of ​​helping the poor, but as practice has shown, such organizations did not solve the problem of poverty, at the same time they led many into even greater financial difficulties.
3. In world practice, online loan exchanges are in great demand. To get a loan, it is enough to register on the website of the online lending center and provide information about the desired loan. This can be done, for example, on the Yandex.Money and WebMoney websites. The main thing to remember is that all loans issued in this way are legally valid and are also subject to return on the agreed terms, and collection agencies and the court are waiting for the evading borrower.
4. Find a private lender. The agreed terms of the loan must be notarized. This option can be very beneficial for both parties, as it involves a discussion about interest rates and repayment terms.

There is another option. True, he is still connected with banks. You need to contact the so-called loan brokers. In Russia, as of the first half of 2016, there are more than three thousand such organizations. Brokers help to analyze all documents, correct any mistakes and find the most suitable loan option for the client. They are also intermediaries between the client and the bank, their profit is formed at the expense of interest from transactions. This area has also not escaped a certain amount of criminalization, so borrowers who turn to brokers need to be extremely careful and carefully check all documents offered for signing.

Despite the fact that there are many loan options, the most reliable of them is still considered to be a loan from a large, trusted bank. Therefore, if a person needs a loan, it is best to resolve the issue with banking structures. The main thing is to accurately calculate your financial opportunities so that you can easily cope with the repayment of the debt.

Today, every third Russian is thinking about how to quickly pay off a loan. The situation on the market was and is such that it is not always possible to buy what you want for cash. Therefore, loans were issued, are being issued and will be issued, often under "enslaving" conditions for customers. Of course, there are ideas on how to quickly pay off a loan, but ... We believe that doing this does not always make economic sense.

The only reason why you should not try to pay off the loan ahead of schedule.

Of course, this is a low interest rate. Often banks arrange various kinds of promotions. They do this to maintain brand awareness, as well as to increase customer traffic for the future. These shares are based on interest rates. Or rather, its downgrade. So, if you were lucky enough to get on this action and get a consumer loan at 12-13%%, there is no point in repaying such a loan ahead of schedule. The reason is simple - constant depreciation money supply in the country. Namely, if you extinguish strictly according to the schedule, you practically lose nothing due to inflation. It is over 12% annually. It is wiser to pay according to the schedule and do, for example, hoarding. In this way, you can achieve what you have been dreaming about for so long. Recreation, cottage, car and much more. There are not many such lucky ones, most borrowers still think about how to pay off the loan faster. Before writing this article, we looked at a lot of information material from different sites. Unfortunately, the recommendations are of the same type. Borrowers are encouraged to learn how to save. Pay off the loan according to the rules of some 10 percent. Some, especially resourceful authors, reach the point of absurdity, suggest going on a diet altogether,

until the loan is paid off.

We can say with confidence that there are few ways, but they are, and in this article we will talk about them.

How to pay off a loan faster.

Method one:

Pay off your loan as soon as possible larger amount. If you plan to repay a loan with an amount greater than in the schedule, be sure to notify the bank employee. The reason for this is an application that must be signed so that the entire amount paid is repaid. Otherwise, only the monthly payment will be debited, the rest of the amount will hang on the account. There is one very important nuance in this method. When making partial early repayment on a loan, be sure to reduce the term, not the amount. The reason for this is that it is psychologically very difficult to pay more. Especially if there is an understanding that there is an opportunity to pay less.
Reduce the term, not the amount of repayment!

Method two:

Credit. Despite the improvement in the situation in the direction of financial literacy in Russia, a lot of consumers have a valid loan of 30% per annum and above. The best way to pay off your loan faster and also reduce financial burden is to re-register a loan in another bank. Refinancing allows you to close operating loan through registration for more favorable conditions. Moreover, today banks offer quite interesting rates. You can reissue a loan at 15-16% per annum. Thus, reducing the payment by almost half and significantly reducing the overpayment on the loan.

Method three:

It would be more correct to say not a method, but a kind of rule. And it must be strictly adhered to!
Never go late. If the payment due date is much later than wage– pay immediately after receiving the RFP. Thus, we avoid the occurrence of overdue debts. In case of delay, most banks have quite serious penalties. For each day of delay, borrowers pay from 2% of the monthly payment, up to 500 rubles of a fixed amount. Fix may be more. It all depends on the lender's bank.
If these three simple components are observed, dreams of how to quickly pay off a loan will become closer to reality.

At the end of the article, I would like to add that creditor banks often take measures to prohibit early repayment. For banks, early repayment is not very profitable, they lose the interest accrued on the body of the loan. They can act in the following ways:
Setting a moratorium for partial early repayment, for example, for a period of one year from the date of issue of the loan. This means that even if the borrower wants to repay ahead of schedule, the moratorium simply will not allow this to be done. At a minimum, the amount in excess of the monthly repayment will simply hang on the account. As a maximum, penalties will be applied to the borrower.

Important! A moratorium on early partial or full repayment is not legal. Setting a moratorium is prohibited at the legislative level. This is easily disputed in judicial order. And always in favor of the borrower.

Write-off of the monthly payment only on the date specified in the contract. No matter how hard the client tries to make the payment early, the bank will write it off only on the date of the monthly loan payment. And since interest is accrued daily, it will not work to save on paying off the principal debt by repaying it ahead of schedule.