Who can apply for credit?

 If you need to find support from banks for some of your expenses, you should first learn what conditions you can apply for credit. 

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Home, to get the car or education, health, holidays, feast spending needed for cash, now to find someone to ask for debt instead of the first thing we do by comparing credit from websites to investigate the most appropriate credit for the bank. So who can apply for credit, what is the bank pay attention to loan applications?

You must meet certain conditions for applying for credit. Anyone who documents the income of 18 years of age can apply for a loan. In addition, you have to have paid insurance for 3 to 6 months in the workplace.  

The evaluation of loan applications also depends on some conditions. At this point, the importance of credit rating is revealed. When was the last time you checked your credit note?

The fact that your credit rating is not less than 1200 is a big part of your credit. (Note that credit approval criteria change from bank to bank.) You can find out your credit score from the Findeks.com website for a fee. You can find out what you need to do in order to raise your credit rating.

If you have never used credit or credit card, you may not have credit. In this case, you can take a credit card application for the first time in order to create a credit card.

If you're not in the administration, your credit score may still be zero. In this case, you cannot use credit. After closing the debts in the administrative follow-up, you must use your bank products and increase your relationship with the bank. You re renewing confidence. You can spend your money on the bank card with your money. You can pay your bills automatically, etc ...

If you apply for a loan in accordance with your income, the amount of the loan may increase the likelihood of your bank being approved.

What Do Banks Care About Your Credit Application?

Credit Status: Marital status (married, single), family location (number of children), graduated school, work, income, telephones telefon You'll say:, What are they doing with so much information? Ar Make sure each information is repaid with your credit they are used in your relevant risk analysis and because the banks lend to millions of people, they do it all in a system and process. 

Credit Application Information: The information that identifies the credit products you have applied as a consumer in the past or in the past, and the limits that you have requested.

 Loan Account Information: In the past, your active (open) credit accounts and their information (the opening and closing dates of the account, the amount of the loan, the number of monthly installments, the paid amount, the remaining debt), are the 'principal debtor', 'guarantor'.

These are the factors affecting the credit evaluation process. As you can imagine, there is no such thing as a loan application being approved.

Who is Denied Credit Application?

- People who cannot document their income,

- insured persons who have no insured employment or who work less than 3 to 6 months at work;

- People with or without a credit rating,

- Due to the problems experienced with the banks in the past, the bank will not want to give credit to people who have an administrative follow-up.

'Why is the credit not approved?' more detailed information can be found in our article.

Wonder what about the loan application QUESTION-ANSWER note asking us to inform our part of us. We are always with you as the Money Status. Our experts will answer your questions as soon as possible.