First of all, the lender's policy. Some banks are ready to "turn a blind eye" to small delays on already closed loans, while others will refuse a client only because of simultaneous submission of applications to several financial institutions. It is also worth noting three general factors that most often prevent loan approval.
1. Absence of collateral
Collateral may become a determining factor when considering an application. Especially if the client wants to take a cash loan in the amount of 1 million rubles. If you have an apartment, house, summer iceland mobile database house, car or non-residential premises that you are ready to provide as collateral, inform the bank about it.
2. High debt burden
Since October 1, 2019, banks are required to take into account the client's debt burden indicator when considering applications for any loans. It does not matter whether you need cash in the amount of up to 50 thousand rubles or more than 1 million rubles as a loan. It will not be possible to take out a loan without assessing the debt burden. And the higher it is, the less chances of approval.
Real situation:
Victor believed that he had an ideal credit history: he always made payments on time, did not use the services of microfinance organizations, and was a client of one bank. In addition, he had a “white” salary: officially, he received not the “minimum”, but 50 thousand rubles per month. But the bank refused to issue a loan due to a high debt burden - Victor paid 27 thousand rubles per month on a mortgage and another 12 thousand rubles on a previously issued loan.