Why do not approve of loans, installments in the bank for the purchase of a phone, equipment? To whom they approve of installments, loan: the necessary conditions for approval. What to do to approve the installment plan on the purchase of a phone, iPhone, equipment?

Reasons for the refusal of the loan.

Content

Now loans and installments are quite popular. When there is stable work with a good salary, but there is no way to allocate a large amount for the purchase of new equipment, you can use the loan. In this case, you will pay a small amount monthly. But it happens that they refuse to issue a loan or loan. In this article we will tell you why.

The bank is not given an installment plan, a loan: what to do, why can they refuse installments?

There are many reasons why they can refuse a loan. At the same time, you can have a permanent job and a decent salary.

Reasons for the refusal:

Unpaid loans. Banks with great reluctance give repeated loans if you still pay the previous one. Therefore, you can contact another financial institution or pay a current loan and only then take a new one.
Bad story. If you had not a very good relationship with this and another bank, and you paid a loan or delayed payments for a long time, then perhaps they will not give you a loan. You must understand that the bank will check you through the loan bureau, where there is almost all information about you as a borrower. And if there were precedents, you can expect a refusal.
There is no constant income. If you are unemployed or do not officially work, you will have to prove solvency. The bank may demand from you checks or documents on the receipts of money for a card or checks on making large purchases.
Do not go through the bank's test. It is difficult here, since each financial institution itself evaluates the borrower according to its own principles and does not disclose them. If in general, then some portrait of malicious non-payers is compiled and if you remind them with something, then you may be refused a loan.

Perfect borrower:

Woman 35-45 years old with 2 children, married
Works in civil service, the salary is average, but stable
Good credit history

Conditions that reduce the possibility of obtaining a loan:

Lack of constant registration
Lack of higher education
Lack of constant work
People working for dangerous work (police, military)
Lack of children and wife (husband)
Age up to 25 years
Loans that are often taken for 3-6 months and are quickly repaid

To whom they approve of installments, loan: the necessary conditions for approval

Banks are trying to protect themselves and negate the issuance of irrevocable loans. That is why the equipment or money is received by religious citizens.

Conditions for obtaining a loan:

The presence of a residence permit in the city where you take a loan or equipment
The availability of a certificate of income with a decent salary
Good credit history
The presence of a guarantor or pledge

Actually, to receive money or equipment by installments, it is not necessary that all conditions from the list be met. If you have been working for a long time and have constant and official income, then you will not be required to be a guarantor or collateral. But if you interrupt temporary and random earnings, you will have to find a guarantor or provide a deposit.

How to make you approved installments on the phone, iPhone, equipment?

There are several options for obtaining technology. You must understand that by purchasing equipment on credit, you will have to pay insurance, it significantly increases the cost of equipment.

Below are the tips for obtaining a loan:

Try to get an official job. If this is not included in your plans, prove to the bank solvency. Provide the cost of enrolling the money to your account. It is also worth showing checks about making expensive purchases. Perhaps this is real estate, car or jewelry.
If you have a bad credit history, try to fix it. This is quite difficult to do. It is easier to bring the guarantor or provide a deposit. Clients with bad credit history can be given a loan if there is housing or property on bail.
Also, if you have a bad credit history, take a microloan at the bank or open a credit card. When the money is credited, purchase equipment in the store. After that, pay the money directly to the bank.

The loan is profitable:

Do not get a loan directly in the store. Credit brokers work in it, which often invest a lot of additional functions in the application. For example, insurance. It significantly increases the purchase price.
It is best in the bank in which you get a salary, take a credit card and open a credit limit. That is, money on credit. Already with the card go to the store and purchase equipment.
As a rule, banks for their customers open loans with relatively small interest and you can purchase equipment without overpayments and give money to a bank from a salary.
We recommend that you check the final amount of payment. Multiply the number of months by the monthly payment. You will be surprised, since the total cost can be much higher than that indicated on the price tag of the goods.
You can slightly reduce the cost of the goods. Some stores only sell goods at a reduced cost. The fact is that banks are paying for stores for the fact that those offer their loans. If the total cost of the goods is 10 thousand, then on credit 9 thousand. As a result, if you pay a loan for all 12 months, overpay 1 thousand and go to the final cost of 10 thousand. But apply for a credit card in your bank and take a loan. After a month, come to the bank and pay the entire cost of the goods on the card. You will cover a loan ahead of schedule and get the goods cheaper. True, such antics can cause a bad credit history. After all, financial institutions are also unprofitable when they are deprived of interest.

Taking a loan for equipment is quite simple if you have a good credit history and constant work. Difficulties can occur in the absence of a constant source of income.