Will they give me a mortgage if there are outstanding loans? How to find out if I will get a loan Where will I get a loan

Today, banks approach the borrower’s desire to take out another loan quite loyally. This is partly due to the fact that the already intense struggle for each client has intensified in the banking sector.

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Many banks declare that a person who crosses the threshold of their office must purchase some service. And loans are no exception.

Therefore, the fact that you are already servicing a loan is usually not a stop factor for taking out another loan.

What does a second loan entail?

On the one hand, nothing particularly serious, on the other - an additional burden, which, if your salary is spent irrationally, can become unbearable. To avoid unnecessary overpayments, when re-lending, you need to carefully study the product lines of at least several banks, and evaluate all the benefits and consequences of the planned step.

Today, borrowers are offered hundreds of “tasty” loans, so you can find a suitable loan program. When deciding where to get a second loan, do not forget to make sure that the bank you choose is stable.

If he suddenly loses his license, a situation is possible when the new bankruptcy trustee will demand full repayment of the debt. This can get tricky.

Types of possible subsequent loans

It is not necessary to take out the same loan for the second time as was issued previously. If you are completely satisfied with the first loan, you can, of course, repeat the experience of cooperation with the bank you like and apply for exactly the same loan a second time.

However, most often credit offers are seasonal. It is likely that you took out a loan on the terms of some short-term promotion, which is not currently offered by the bank. Then you will have to think about which product to choose this time.

The positive point here is that most banks are constantly reducing rates or making the conditions for obtaining loans more favorable. It is likely that the offers currently in effect will be more profitable.

Loan from a private person

You can turn to not only banks for financial assistance. Today we have access to a new service that allows you to borrow money directly from individuals. Such loans are regulated by the Civil Code of the Russian Federation.

To get a loan from a private person, it is enough to draw up a receipt, which will stipulate all the essential parameters for providing funds:

• deadlines;
• sum;
• interest rate;
• interest payment procedure; p
• the procedure for repaying the principal debt;
• penalties for delays, or lack thereof;
• full details of the lender and borrower.

The receipt does not need to be certified by a notary. In principle, it is enough if you read and sign it in the presence of 2 independent witnesses (for example, one person from each side).

Do not think that you can borrow money from a private person and not return it within the prescribed time frame.

The correct receipt has legal force, therefore, in case of delays, you will face a summons to court and forced seizure of property to pay debts.

Microloan

The product received this name due to the small loan amount and minimal time investment. This is the fastest and most expensive loan. However, it becomes an excellent solution for those who are in a difficult situation and need money immediately.

To receive money in the amount of 5 before 500 thousand rubles, often it is enough to present a single document - a passport.

The most cautious MFOs, in addition to this, also require SNILS, but there are few such organizations. With such modest requirements, almost any citizen can easily take out several microloans.

Today, some banks have begun to provide microloans. True, the amounts here already start from 50 thousand rubles. Servicing smaller loans is simply not profitable for credit institutions. Interest rates in banks are lower than in MFOs, but the requirements are much more stringent.

Credit card

The most popular product among Russians and the most frequently advertised by banks. This is a really practical and useful loan. The main advantage of cards, according to borrowers, is the ease of use of this tool.

First of all, you don’t need to go to the bank to get money. Most often, the card is given to the borrower through a courier. Even if you have to visit a credit institution, you don’t have to stand in line at the cash desk: the money will be transferred directly to your card.

A positive point is that many cards have a so-called grace period. The mechanism for its calculation is quite complicated.

Therefore, a borrower who wants to apply for such a card must carefully study the rules for using it, as well as other aspects of the loan agreement. Otherwise, you can reduce to zero all the benefits that owning such a card provides.

The advantage of credit cards is also the ability to pay with them in online stores and regular shopping centers. Today, the volume of cash payments is gradually decreasing, and electronic payments are becoming even more attractive.

Therefore, the majority of Russians who have issued one credit card almost instantly evaluate its advantages and apply for a second card to another bank. Some of our fellow citizens simultaneously own 5 or more credit cards.

Two loans from Sberbank

You may already have one loan from Sberbank. Now you decide to try to borrow more money from this lending institution. Will they give you a second loan or not?

The answer to this question will depend on several factors, including:

• the amount of the loan that still needs to be repaid on the first loan;
• presence of delays under the current contract;
• the level of income you have after making all loan payments.

First of all, Sberbank specialists will assess your solvency, using their own methodology to calculate whether you can “handle” the additional credit load. If the answer is yes, the loan officer will definitely ask why you need a second loan.

If you have a mortgage and now want to take out a car loan, the bank may well approve your application.

However, if you choose the same loan product, Sberbank is unlikely to allow you to have two identical loans at once.

Servicing several small loans is not interesting for a bank, since this reduces the profitability of the business. Therefore, experts may suggest that you restructure your existing debt.

Banks ready to provide another loan

Fortunately, there are credit institutions that are ready to provide citizens with several loans. If you have a mortgage, almost any bank will issue you a credit card or consider taking out a car loan.

The majority of regional banks, as well as almost all large retail banks (for example, Home Credit, Sovcombank, Renaissance Credit, MTS Bank), are ready to provide clients with the opportunity to obtain a second loan.

The only condition is that these loans be of different classes (for example, you cannot take out 2 cash loans at the same time).

Two loans from different banks

You can get a second loan from almost any commercial bank. His credit inspectors will tell you in detail how to get it faster. The main thing is that your income fits within the framework that banking specialists consider sufficient to increase your credit load.

However, you cannot expect that the money will be given to you immediately if you receive a second loan.

When considering your loan application, most banks will focus on an indicator that determines how much money you will have left when you pay the required payment.

Such calculations take time. If calculations show that you will spend more than half of your income on mandatory payments, then you are unlikely to be approved for a loan.

Two loans from one bank

This is the simplest situation. The bank will be happy to provide another loan of your choice, as long as the total credit load allows you to pay off both loans at the same time.

Required documents

To apply for a loan, a certain package of documents is required. It is not the same for different loans; in general, the rule applies: “The larger the loan amount, the more documents you will have to collect to obtain it.”

Of course, you must always present a Russian passport. Without it, you will not be given any loan.

In addition, you will have to stock up on the following documents:

• certificate in form 2-NDFL;
• driver's license - for car loans;
• pension certificate – for consumer loans intended for pensioners;
• SNILS (insurance certificate) - for some microloans or consumer loans;
• a package of documents for real estate - for a mortgage.

Bank requirements may differ slightly; for example, you may be asked to provide a salary certificate, which must be drawn up in the form of a credit institution.

Advantages of online registration

There are many positive aspects of applying for a loan online:

• You can complete the application at any time.
• The interface of most sites is elementary and contains a lot of tips on how to correctly fill out applications.
• The loan is considered and approved in an extremely short time frame.
• To receive money, only one visit to the bank is required.

Here you can find out through legal methods. Only proven methods and expert advice.

How is a co-borrower withdrawn from a mortgage? If you are interested in this issue, then be sure to take a look.

When applying for a housing loan, the mortgage appraisal of the apartment is of great importance. you can find out everything about the assessment procedure and its cost.

Try to build relationships with the bank on terms of honesty and openness. For example, to receive any type of loan, you must fill out a loan application form. It may contain various questions, including unexpected and unpleasant ones. If you are not sure what information the bank expects from you, it is better to check with the loan officer about possible options for answering a tricky question.

Video: Is it possible to take out a second loan?

Often the bank does not give a loan without even explaining the reason for the refusal. As a result, many borrowers do not know what to do to get their loan approved. This is strange, because the faster a person improves in the eyes of the bank, the faster he can become its full-fledged client. Perhaps this article will shed light on your “shortcomings” in the eyes of the bank.

Bad credit history

Everything is clear here. However, some banks may turn a blind eye to minor delays (for example, up to 5 days). In any case, you need to check the history.

No credit history

Even if you have never applied for a loan, you may be refused. This is because the bank does not have your payment history data to analyze how you will pay. Therefore, if other criteria are not met, the loan will be denied. But if it’s the other way around, and your income is quite sufficient, then they may well approve.

To create a credit history, it is enough to take out a small loan and pay it back on time.

Desire to repay loans early

Contrary to what some people think, Early repayment is not a sign of a good borrower, but vice versa. It is beneficial for the bank to receive interest on payments, and with early repayment they are reduced to a minimum. Yes, banks have programs with possible early repayment, but the contract specifies the moment before which this cannot be done (for example, not earlier than 1 year). Also, banks, as a rule, introduce a commission for early repayment.

If you can't afford to pay multiple loans or even just one, refinance.

Existing loans

Refusal due to existing loans is due to the bank’s probable inability to repay all of them. This depends on the borrower’s income: if it is not enough even to pay off existing debts, then there is no need to aggravate the situation for you. After all, many take out a loan to pay off the previous one and get stuck.

Open credit card

Even the banal use of a credit card can influence a negative decision on a loan. The fact is that the bank considers a credit card as an unclosed loan. And if payments on a credit card together with expenses exceed half of your income, the bank has no reason to approve the loan, because you simply won’t be able to afford it.

Insufficient income

If monthly loan payments exceed half of your monthly income, the loan will not be given. In mortgage lending, the total family income is taken into account when calculating solvency, since, as a rule, spouses act as co-borrowers on the mortgage.

Short work experience

The requirements for the minimum length of service at the last place of work are different: for some, 4 or 6 months are enough, for others, at least 1 year is needed. The bank's logic here is simple: the longer the length of service at the last place of work, the greater the likelihood that the borrower will continue to work there further, receiving a salary with which to repay the loan. But it also happens that the minimum length of service is sufficient, but job changes are frequent (for example, in 2 years the borrower changed 4 jobs, but worked at each for six months). In this case, the bank will not take risks.

Age

Let's start with the students. Not all banks issue loans from the age of 21 and, especially, from the age of 18 (usually from 23–24 years). This is due to solvency, since not everyone at this age works, and the high probability of being drafted into the army, due to which repayment will become impossible during the period of service.

From the age of 18, you can, for example, enter into a mortgage with the security of the purchased property, which serves as a guarantee of the return of bank funds. At the same age, you can apply for some credit cards and loans.

As for pensioners or people close to retirement, it is important to know that at the time of full repayment of the loan (that is, making the last payment), the age of the borrower should not exceed a certain level set by the bank (65–75 years). Therefore, if there are problems with age, you need to take out a loan for a shorter period.

False information or forged documents

Banks are constantly improving their methods of checking future borrowers, so they are likely to identify forged documents or false information. And by the way, may not only be denied a loan, but also be prosecuted for fraud. This also includes cases when a person leaves different information about himself in different banks.

Criminal record and other offenses

If the criminal record has not yet been expunged, the loan will definitely be denied. Also will be denied if there have been criminal convictions on economic charges. They can refuse for administrative reasons and even for reporting them to the police.

"Denominations"

They are also “nominal directors”, they are also “nominal founders”. These are people who own dozens of companies, but in fact they do not manage them. Banks keep a list of such “nominalities” and never issue loans to them.

Mentally ill people

The whole point is that such people can say that they signed the loan agreement in a state of insanity, so the court may well declare such an agreement invalid.

No landline phone

Some banks include in the requirements for the borrower the presence of a landline home telephone. In this way, the bank understands that the person has a place of permanent residence in order to know where to look for him in case of termination or delay of payments.

A more stringent requirement applies to having a landline work telephone. After all, any normal organization should have at least one landline telephone. If it is not there, it is at least suspicious.

Working for an individual entrepreneur

The bank may refuse a loan due to working for an individual entrepreneur, since the risk of closing an individual entrepreneur is higher than a JSC or LLC. This requirement is not always spelled out in plain text, so you need to pay attention to footnotes and fine print.

Suspicious company

In addition to analyzing the borrower, the bank also analyzes the organization in which he works. And if it has a dubious reputation or is not in the best financial condition, then employees may be left without wages or work.

Own business

When a business owner wants to take out a loan for himself (that is, as an individual), banks are wary, believing that this money can actually be used for the needs of the business. In such cases, it is better to take out a non-targeted consumer loan.

Questionable status

For example, if a borrower indicates that he works as a manager with a salary of 150,000 rubles, while the market average is 50,000 rubles, the bank will have suspicions not so much about the person, but about the activities of the organization in which he works. It is quite possible that he will not have this salary for long and may drop to the market average, which will affect loan payments.

Wrong purpose for a loan

Considering the previous point about business, it is important to understand that if a borrower wants to take out a loan for a specific purpose (for repairs, for vacation, for business), then he needs to apply to a specific lending program. For example, You won’t be able to get a consumer loan to start a business or a car. For this purpose, there are appropriate targeted programs (in this case, “business loan” and “car loan”). Banks even have special loans for household appliances, furniture, telephones, computers, etc. And for various household needs it is easier to get the same non-targeted loan.

Refusals from other banks

If at least 2-3 banks have refused, the next bank will think about it: maybe it was not in vain that they refused. And without thinking twice he will do the same

Appearance

Unpresentable appearance (dirty clothes, tattoos on open areas of the body, bad smell) may be a sufficient reason for refusing a loan. Especially if the person indicated a good position and a high level of income.

Behavior

A shifting gaze, biting the lips, shaking fingers and knees - all this leads to suspicions that the person is either not going to repay the borrowed funds, or is not saying something about the purpose of the loan.

They still refuse. Why?

In accordance with the Civil Code of the Russian Federation, the bank is not obliged to provide a loan, nor is it obliged to report the reason for the refusal.

There are a couple of interesting points in the video that may also prevent you from giving credit:

If the above reasons for refusal to issue a loan do not apply to you, but the loan is still not given, it makes sense to seek professional help from credit brokers, as well as to check for errors.

Banks not only accumulate significant monetary resources, but also give them movement, directing them to those who currently need them. However, banks are interested not only in issuing resources at interest, but also in their unconditional return in accordance with the schedule specified in the agreement.

The schedule provides for monthly interest payments and repayment of part of the principal debt. The borrower directs funds for this from his income, reducing them accordingly.

The second loan taken out entails a new repayment schedule, new monthly payments and another decrease in total income. Therefore, banks quite rightly treat a client who comes for a second or even a third loan with some distrust.

At the same time, the shadow of mistrust also falls on a whole group of completely reliable and solvent potential borrowers who, while continuing to feel the need for additional financial resources, are looking for and successfully finding options for obtaining them.

The least troublesome process in terms of providing documents is to contact a private person who provides a loan under a loan agreement. To sign the contract, only one document is required - general passport.

The agreement specifies the amount, interest, and terms for the return of funds received. The basis for calculating the interest rate is a day or a week, so these types of loans are usually taken out for a short period and for small amounts.

Microloans for a short period

MFOs manage more significant resources compared to private owners ( microfinance organizations), which means the loan amount may be significantly larger. Microloans are issued for a period of up to a month. The interest rate on such loans is also calculated based on payments per day or week.

Second credit card loan

If money is needed for a period of several months, then the final overpayment when repaying the debt to a private individual or microfinance organization can amount to a significant amount. In this case, the best option is to apply for a credit card. To obtain it, proof of income is not required, which means the question of what type of loan it is, second or third, is not relevant.

Credit card interest rates are calculated on an annual basis. The final overpayment can be reduced if you choose the most suitable product ( for example, from the line offered by Tinkoff Bank) and rationally use the card’s grace period.

Delivered by courier the next day after ordering. Clients with damaged credit history can apply for a card. The credit limit is set individually!

Having a loan on hand will not create obstacles when contacting a bank Renaissance Credit And Orient Express Bank. The retail they offer is designed to cover the widest possible segments of the solvent population. Including those groups that cannot ( or don't want to) document your income.

Credit limit up to 500,000 ₽

Loan rate 15,99–30,99%

Term from 24 to 60 months

Income proof

Not required

The loan is provided on the basis of 2 documents - a passport and any other of the following: driver's license, education diploma, Taxpayer Identification Number, pension certificate, military ID, international passport.

Loan for any purpose without a 2NDFL certificate. To receive a reduced interest rate, the client can provide documents confirming the amount of monthly income, including in the form of the bank.

Sometimes there are situations when you need money for a major purchase or the implementation of your plans. The solution to a money problem is to go to the bank. What to do if you have already taken out and repaid a loan from your bank. Will the bank give you a new loan if you already have one? In short, the answer is YES. But there are a number of conditions. The most important of which is that your salary should be enough to live on and to pay both loans. It is better to contact a new bank where you have not yet received loans. Below is a list of banks where you should apply for a loan

Application for a loan at Sovcombank

Cash loan from Tinkoff Bank

Application for a loan at Rosbank

Application for a cash loan at RenCredit

Why is it difficult to get a loan if you have another loan?

The client's current payment obligations with other banks do not have the best effect on the credit company's decision when considering your loan application. They reduce the chances of issuing new loans, since the risk of non-repayment of the debt and the occurrence of delays in this case increases. The bank's internal policy simply insures itself against possible default. Believe me, not a single financial company needs your critical psychological state when all your income is completely spent on paying off your debts.

How does salary affect getting a second loan?

When a client applies for a loan, whether it is the first or repeated, the bank first of all pays attention to his solvency. No matter how honest and disciplined a borrower you are, if you have insufficient income, the answer will be clear – refusal. Each credit institution has its own maximum permissible debt threshold. Thus, some banks set the maximum allowable monthly payment at 25% of the borrower’s total income (minus debt payments), others at 30%. For “salary” clients, these limits may increase by 5-10%.

There will also be companies that will gladly put another loan on you, even if regular payments on it amount to 50% or even more of your earnings. Do not flatter yourself - such “dared souls” can offer you a higher rate, because, as a rule, small banks engaged in express lending or microfinance organizations do not pay attention to this unique indicator of the client’s psychological comfort.

The issuance limit for credit cards is calculated differently. For example, one of the banks calculates the maximum withdrawal amount as follows:

Maximum amount = (your income – monthly loan payment) x 3

If the bank won't give you a loan, you can try to get a credit card.
See also: Selection of credit cards with online application.
What to do if your salary level is not sufficient to obtain a loan from a particular bank? Provide documents confirming your additional income (if such documents are accepted). Now many banks are lending to co-borrowers. In this case, the total income of both persons (for example, you and your spouse, parents) will be taken into account, but a package of documents will also have to be collected for each participant.

How do delays affect the bank’s decision to issue a loan?

If for some reason you had arrears on current or paid loans, then they can also influence the bank’s decision to issue a loan. The credit institution learns about them when requesting information from the Credit History Bureau. The timing of payment delays, their frequency and limitation play a role here.

It is believed that banks do not take into account delays of up to 30 days. However, if there were too many of them, then they will not have the best effect on the decision. The bank's internal policy (again) may also say “no” to clients with overdue payments of more than 10 days over the past year or two. It is problematic to take out a loan for borrowers with payment delays of up to 60-90 days, although many financial institutions are still ready to work with them, but at an increased interest rate.

But for clients whose files show payment delays of more than 90 days, it won’t be easy. Here you need to look for any credit company that will agree to give you at least a small loan. The main thing is that this organization works with the BKI, so that information about your current discipline is received there and taken into account by the banks in the future. Gradually, with repeated lending and timely payment payments, you will certainly be able to rehabilitate yourself in the eyes of larger and more serious financial institutions.

In addition, delays that occurred a very long time ago are often not taken into account. Errors in loan repayments during the crisis of 2008-2009 are not considered by most banks at all.

If you need to understand whether you have been in arrears, it is recommended to order a credit history report:

Get your credit history online

How does the type of loan influence the bank's decision?

The bank's decision also depends on the type of current lending. So, a mortgage may mean that your property is now pledged, which may provoke a refusal to provide a large loan. In such a situation, it is worth issuing security with a guarantee or pledge on other property. The credit card says that you can cash out the entire limit on it at any time, so the requested amount may be reduced. If this happens and you need the loan in full, close your credit card for now. A car loan, if issued without collateral, has the same impact as a non-targeted loan.

Today, several open loans are more a pattern than an exception to the rule. Consumer loans are issued for various purposes or without a specific purpose at all, so the borrower may well count on new financing with an existing loan agreement. Despite this, the question of whether they will give a loan if there is a loan is still relevant and worries many users of financial services.

What influences the bank's decision

Before contacting the bank, the borrower should analyze his current solvency and possible force majeure situations. The main factors influencing the response to a loan application include:

How to find out the bank's decision

There are several ways to find out if you will get a loan.

The first option is the simplest, but does not provide a 100% guarantee of a positive answer - study of credit rating. To obtain information, you must contact the National Credit History Bureau, which stores all borrower data for 15 years. You can also get acquainted with the characteristics of financial cooperation with banks and other organizations with the help of intermediaries. Finding out your credit rating is available for free for registered users of some sites, such as Platiza, Unicom24, etc. By paying from 300 to 1500 rubles you can get information about your credit history without registration, for example, in Moneyman or Euroset.

The second way to find out the answer on a loan is submit an online application. The form can be filled out on the website or over the phone with the help of a bank manager. The application contains the following information: passport, personal data, contacts and information about the amount and source of income. Online questionnaires provide quick answers – within 30 minutes. However, banks position the issued decision as preliminary, so the final result of the analysis of the client’s data may differ. You can submit applications to several financial institutions at once, so as not to waste time in case of a negative response from one of them. A positive decision does not oblige the borrower to execute an agreement.

Which bank to contact

Along with the question of how to check whether they will give me a loan, an important point is the choice of the bank itself in which this check will take place.

Let us make a reservation that there are no banks that do not refuse to issue loans. And here it does not matter whether there is already one loan agreement or this is the first application to a financial institution. In reality, there are banks that are more loyal to potential clients than others, but at the same time significantly inflate interest rates. The latter pattern is justified by the companies’ high risks of non-refund of funds.

The first place you should contact is the bank where you have already opened a credit account. Especially if the debt is repaid without delay in accordance with the payment schedule. Please note that in this case the client can count on the amount of borrowed funds not exceeding the previous loan. The targeted use of funds is also important, which, if possible, should not overlap.

Nowadays the easiest way to get a loan is in Orient Express, Renaissance Credit and Tinkoff Bank, Probusinessbank and Russian Standard . Also HomeCredit Bank not so long ago I joined the list of loyal banks that provide loans despite a bad credit past. Of course, you can also try to draw up an agreement in other banks, but if you have several open lines of credit, this will be more difficult to do.

In addition to banks, you can contact microfinance organizations, pawn shops or private individuals. Annual rates there are much higher, but the approval rate of applications reaches 95%.

Why do banks refuse?

If, despite a positive preliminary decision, the borrower is refused a loan application, there is a logical explanation for this. Typically, each bank sets its own criteria for assessing the client’s solvency, but there are also general grounds for a negative decision:

A properly selected loan product can increase the likelihood of loan approval; for example, if you already have consumer loans, you should try to get a credit card. A bad credit history can be improved if you take out a small loan from a microfinance organization and repay it on time. Also, a significant role in the execution of the application is played by the appearance of the borrower and his manner of communication.