When the bank pre-approves the application, an employee contacts the potential borrower within a day. They may ask questions, the answers to which confirm your intention to take out a loan. Sometimes employees also conduct checks, as in the example above. Then a time is set for a visit to the bank with all the documents. You need to choose a suitable date so that you have time to get a certificate of income. The visit can be rescheduled if you do not meet the deadline.
How to increase your chances
If you have provided reliable information in the application form and have been able to prepare all the necessary documents, the chances of a positive decision are very high. But there is one detail that many borrowers do not understand: they will evaluate not only your financial situation, but also you yourself.
When an employee decides to issue a loan, he or she takes russia mobile database certain risks. Many banks have a system of fines for issuing money to unreliable clients who did not want or could not repay the debt.
Borrowers with a good credit history, high income and prestigious work have practically nothing to fear - their risks of non-payment of debt are minimal. But if the employee has doubts, he will look at your appearance and behavior. Nervousness, rudeness, logical errors, increased emotionality can lead to refusal.
Before the meeting, try to get a good night's sleep. Dress formally, take your time answering questions, and be polite to the bank employee.
Can Pre-Approved Loans Affect Your Credit History?
All applications you submit are recorded in your credit history. Banks may interpret them differently, but rejections are never viewed positively. Since January 2022, each entry in your credit history is stored for seven years.
Advertising mailings that you do not respond to do not appear in your credit history. Even if you call the bank, ask questions, but ultimately do not submit an application, no record of this is kept.