Nikolai Pereslavsky, employee of the Department of Economic and Financial Studies at the CMS Institute, said in an interview with the agency: “Hitting the Primer”Lack of credit history can cause a bank to refuse to lend, but this outcome can be avoided.
“Accounts and deposits in the same bank or a statement from another credit institution can increase the chances that the loan request will be approved,” he said.
Also, according to the expert, the chances of getting a loan increase a stable income and the presence of guarantors. In addition, Pereslavsky said it was important to settle all existing debts, including taxes and alimony.
He added that regular payments on a new loan will also help improve credit history.
Earlier, against the background of anti-Russian sanctions, citizens happened more often for advance loans to microfinance institutions rather than loans to banks.
Source: Gazeta
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