This factor has an indirect relation

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Three late payments. No official confirmation of income This is not the main reason for refusals, but one of the most common arguments. Although banks know for sure that not all their clients receive a white salary. Therefore, some allow borrowers to confirm their income with an account statement. Ideally, a model borrower has a certificate in the form NDFL on income, issued by the tax or accounting department and a certified copy of the work book. Banks often check the information about the borrowers employment. They simply call the HR department or the accounting department of the enterprise. And.

If it turns out that they were deceived, they blacklist the client. Advertising this is interesting How to get a loan without refusal Credit brokers will be able to immediately assess the possibility of approving your new zealand telegram mobile phone number list application, and will also help you collect documents and obtain the desired loan. more details Low income to the everyday concept of low income. For example, for a highly qualified specialist in Moscow, a salary of thousand rubles can be quite average and even low, and in the regions it can be considered a very high salary.

For a top manager. Therefore, banks look at this criterion differently. Low income is the one with which it will be difficult for the client to pay off debt obligations. Simply put, to make the necessary payments once a month. According to common practice, if more than half of the monthly salary and other types of income goes to pay off debts, then such income is called low. The following reason why banks refuse loans is also directly related to low income. High credit load It is also called overindebtedness. Banks often refuse to grant a loan to those borrowers.