Anyone can find themselves in a situation where there is an urgent need for cash. In this case, the easiest and quickest solution would be to contact the bank to apply for a loan. In addition, the bank issues loans for the purchase of housing or vehicles.
The conditions of banks may vary slightly, but the basic requirements are the same for everyone.
Prior to the approval of the application, banks assess the riskiness of the contract and the solvency of the borrower.
Prior to the approval of the application, banks assess the riskiness of the contract and the solvency of the borrower.
For these purposes, the bank checks:
- age, length of service and solvency of the borrower;
- the client has property to be used as collateral (if necessary);
- Credit history status.
Note!
Before submitting an application, it is necessary to clarify with the bank on what terms the bank provides a loan and what requirements are imposed on the borrower.
Banks can set age limits depending on the characteristics and requests of the applicant for the loan amount. The upper age limit is determined by the end date of the contract.
When considering the application, the total length of service and the continuous period of employment at the last place of work are taken into account.
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