How to fill out a loan application to increase the likelihood of its approval. How to fill out a loan application to get approved: what do you need to know? How best to fill out a loan application

A questionnaire* is a written statement about the desire to take out a loan. Approval of a cash loan from a bank depends on how accurately and accurately you fill out the application.

First, carefully read the questionnaire and the main columns. Try to fill out 70% of the information yourself. And if you don’t understand, ask the manager.

Let's look at the main points when filling out the form:

1. Fill out the form carefully and correctly. If your handwriting is bad, it is better to write in block letters. If you made a mistake, ask your manager how to correct it. You may have to rewrite your application. If corrections are allowed, you must carefully cross out and write the correct information at the top.

2. Filling out passport data. The data is filled out in strict accordance with the passport.

series - the first four digits, number - the next six digits.
in the column “who issued the passport” you can apply acceptable abbreviations (for example, an abbreviation of the name of the department that issued the passport).
The “registration address” column is filled in in accordance with the data indicated on page 5 of the passport. The address of actual residence may not coincide with the registration and must be indicated in a separate column.
marital status is filled in if there is a stamp on page 14 in the passport. If for some reason the stamp is missing, please attach your marriage certificate. If you are not married, but live with your common-law wife, this column is also present in the application form.
The presence of children is indicated if they are under 18 years of age. It is necessary to indicate children, even if the information is not in the passport.

3. If you changed your last name, first name or patronymic. Common cases of changing a surname are marriage. In this situation, indicate the maiden name or the previous one. But there are cases of changing the name or patronymic. This should also be reflected in the application form.

4. If you don't have a home phone number. Now banks are loyal to indicating a mobile number. And usually, this is not an obstacle to obtaining a cash loan. Check with the manager whether the absence of a home phone number is a prerequisite for submitting an application. It might be worth writing down the contact phone number of a close relative.

5. You should not give the phone number of your neighbors or work colleagues. Indicate your spouse or parents. When calling from the bank, the husband/wife/parents must confirm that they know that you are taking out a loan, give a positive description and be aware of the purpose of the loan.

6. Attitude towards military service. This column is filled in by men. Cash loans are issued to the following citizens:

those not liable for military service (up to the age of 27, you must provide a military ID, which states that the citizen is exempt from conscription);
persons in reserve or retired (no document required);
persons with a deferment from conscription (certificate from the military registration and enlistment office indicating the date of deferment);
military personnel, subject to their service under a contract (required to provide a certified copy of the contract)

7. Indicate existing property. The presence of property speaks volumes about your status and adds points to your assessment. The property must be registered in your name in whole or in part. For example, an apartment is in shared ownership, a car is completely your property.

8. Do not hide the presence of loans. The bank checks your credit history, so there is no point in hiding information about existing loans. In addition, the availability of loans is not a “stop factor” if they are repaid on time. If you took the goods on credit or have a credit card, the bank specialist may ask for the following information:

loan amount;
amount of monthly payments;
loan term;
the approximate amount of the remaining debt.

You will find this information in the completed documents. It is more convenient to immediately take the papers with you.

9. Indicate regular income. The bank evaluates your ability to pay the loan monthly. Indicating irregular earnings will inflate wages, but will not help in difficult financial situations.

10. Indicate your consent for the bank to receive credit reports on your credit history and process the information in the questionnaire. Without this, the bank does not have the right to verify the accuracy of the data. This means issuing a loan in cash.

Pros of applying for a loan online
Tips for filling out loan applications remotely

When planning to take out a loan, both consumer and educational, mortgage or car loan, we all ask the same question: “How to save the most precious thing - time?” How to apply for a loan in such a way that it is quick, profitable and effective?

To this end, today almost all banks in Russia, interested in attracting credit resources and keeping up with the times, offer their potential borrowers such a service as the opportunity to leave an online loan application. What is an online application and how productive and profitable can it be?

What is applying for a loan online?

Today, time is much more valuable than money, because everything around you changes every moment, and you don’t want to waste this precious resource, standing for hours in traffic jams or queues.

This is why online applications are so relevant - this way you can request not only a loan, but also a credit card.

Just imagine - you no longer need to get to the bank early, so as not to stand in queues, biding your time, filling out many forms and certificates, wasting your time on the road and waiting, and no one guarantees a positive answer. What if you want to contact several financial institutions at once in order to increase the likelihood of loan approval? Consider that a couple of days will definitely be “killed.”

But today everything is much simpler. Sitting comfortably in front of your computer, making yourself a cup of coffee, you study the banks’ offers on the types of loans that interest you. Then you simply fill out an online application, and you can do this in the following ways:

Find the official websites of the banks you need on your own and fill out an application on each of them, for example, for an express loan,
Fill out several applications on one of the sites, where various forms from different banks are specially collected,
Enter your data in one form, the data from which is sent to several banks at once (this option is usually offered by credit brokers).

After that, you just have to wait for the answers, and if several positive answers are received, choose the most attractive offer.

Of course, you will still have to go to the credit institution, but immediately with the documents necessary to apply for the loan. If you are interested in a loan using a passport without certificates, which you can read about in another article, then in this case you do not have to collect documents at all - it is enough to have only the main identification document with you.

Typically, you only need to fill out 5-7 fields, which takes a maximum of 15 minutes, after which the completed questionnaire goes to a banking specialist, who usually analyzes the data during the day and gives a preliminary conclusion.

Pros of applying for a loan online

This method of preliminary loan processing has a number of exceptional advantages compared to the old-fashioned one, which is becoming less and less relevant:

Huge time savings.

You don’t have to travel to the bank and back, you don’t stand in lines, you don’t fill out forms and certificates manually, you don’t wait weeks for a decision from a credit institution. There is also no need to ask for a sample application to obtain a consumer or mortgage loan, but sometimes the application form had to be redone several times.

Today all this is happening much faster. Typically, approval (or refusal) can be received within three days, and for express loans - generally on the same day.

Possibility to apply at any time.

You no longer need to take time off from work in order to get to the credit institution during working hours. Moreover, you can fill out the questionnaire on weekends, at night or early in the morning - whenever it is convenient for you.

Saving money.

You don’t spend money on transportation, you don’t take time off to run to banks to submit applications. All you have to do is come to a financial institution to simply sign an agreement and receive borrowed funds. Of course, if you want to take out a loan to buy an apartment, then you will have to run around with documents, but this is the specifics of the loan itself, not related to filling out an application form.

Increased likelihood of loan approval.

Due to the fact that you send an online application to several credit institutions at once, the likelihood of approval increases significantly, which allows you to choose from positive loan decisions the most optimal one in terms of amount, rate, terms and other financing conditions.

Nice discounts.

Some banks are so interested in saving their own resources that online lending gives them that they offer discounts of 0.5-1.0% per annum for borrowers who fill out forms remotely. And, for example, the Tinkof Credit Systems bank will deliver to your home a credit card issued online, absolutely free of charge.

Tips for filling out loan applications remotely

If you want to increase your chances of borrowing money, you can use the following tips:

When filling out the online form, try to enter all the required data and do it as carefully and accurately as possible,
Send applications to several banks at once, because this will not oblige you to do so, but will greatly increase your chances of receiving money.
Try to assess your capabilities and needs in advance, because sometimes too large a loan and unaffordable monthly payments lead to delays and a permanently damaged credit history.
Taking into account the previous point, you can play it safe and request a longer repayment period in the application form - this will reduce the size of your monthly payments. But remember - if already at the preliminary stage you do not know how to pay or repay the loan, if there is no money, do not rush to apply for a loan. First, you should decide how you will pay off the loan in force majeure circumstances.
Usually, after preliminary approval of the loan, a loan specialist contacts the potential borrower by phone numbers specified in the application, who will inform you of the amount and on what conditions the bank is ready to issue a loan. During the conversation, you should immediately ask about additional interest and fees, required documents, and also ask to calculate the amount of the monthly payment. This will help you choose the best option when comparing offers from financial institutions.

And in conclusion, we note that you can fill out an online application for a loan not only in banks, but also in microcredit organizations or pawnshops, although this is rather an option for an emergency.

Credit is always a lottery, and playing it is not at all fun. Winning is not guaranteed, and it takes a lot of time to “buy a ticket” - collecting documents, submitting an application, waiting for a decision. Well, since life is a game, let's play. It is impossible to make the lottery a win-win. But you can increase your chances of winning if you follow our tips. The probability of approval may not be 100 percent, but in some cases you can come close to such a result. Read how to do it!

Faster, higher, stronger

If you need a loan, you will have to convince the bank that you are a reliable borrower. To do this, you need to understand who the bank considers to be trustworthy people.
Each bank has its own criteria for assessing borrowers. They are kept in the strictest confidence, known only to a small number of employees of a particular bank. Therefore, you can only rely on formal requirements and failure statistics.

Let's consider an approximate algorithm for assessing the reliability of a potential borrower. So, you have submitted an application for a loan and attached the required documents. What happens next is something like this:

You are assessed by a special program that assigns a certain score based on the specified parameters. The completeness of filling out the application, credit history, income level, length of service, age, presence or absence of permanent registration and citizenship, property, marital and social status, additional sources of income, criminal record, presence of collateral or guarantors and many other criteria that influence the chance are taken into account. loan approval.
If the first stage is passed, the security service takes over. What exactly it will check depends on the results of the initial check. In one case, they will limit themselves to calling your home phone number. Another time they will call at work and ask the company management to give a reference. Well, the third client will be contacted through unofficial channels with law enforcement agencies for problems with the law.

The second stage does not always take place. Express loans in 15 minutes are the case when your “fate” is decided by a computer, and a “manual” check is carried out only when the robot has “doubts”.

They often check not only the client himself, but also his relatives, as well as the employer (how long has the company been operating, is everything in order with its finances, is there any debts, courts, etc.).

The general principle is this: the fewer aspects a bank considers, the higher its risk, and the more expensive the loan. And vice versa. If you want to get an express loan with only a passport and insurance certificate in hand, the chances of loan approval are high. But the interest rate can reach 70% or higher, life insurance will be imposed and additional commissions will be charged.

Much depends on whether the loan is targeted. It’s easier to get a non-targeted one, but, again, its cost is higher.

Learning to take loans

Now that we know where the bank is looking, we will try to concentrate its attention on the advantages and distract from the disadvantages. We will talk, first of all, about consumer cash loans, but the advice given can be considered universal.

We estimate income

Archival point. Solvency is what interests the bank in the first place.

A rough guideline is this: no more than 40% of your income should go towards paying off debt. The calculation takes into account income minus current costs - existing loans, insurance payments, costs of maintaining minor children, etc. And the 60% that remains with you should not be below the subsistence level.

If you receive a “gray” salary, do not forget to use a certificate in the bank form along with 2-NDFL. Not every employer will agree to sign it, but try to convince your superiors, this will increase the chance of loan approval.

With a “black” salary, you can only count on those loans for which a 2-NDFL certificate is not a mandatory document.

Enter your spouse's income. If you have additional sources of income or savings, be sure to report this, even if you cannot document it. Do the same if you own property (houses, apartment, car, securities, garage). Let the bank know that if you lose your main source of income, you will still have something to take.

The work experience in the last place is of no small importance. The larger it is, the more stable the income from the bank’s point of view. For the same reason, borrowers who often change jobs are not welcome.

Unfortunately, disabled people and pensioners have low chances of loan approval, although they receive a stable income in the form of a pension. And there are stereotypes about individual entrepreneurs. It is believed that it costs nothing for an entrepreneur to indicate any income in 2-NDFL, which reduces confidence in them. However, in addition to the certificate, you can present a copy of the tax return to dispel doubts.

We are working on your credit history

The second extremely important point. Delays and, especially, outstanding debts reduce the chances of a new loan to almost zero. Of course, a lot depends on the reasons for the delays, but not every bank will spend time clarifying the circumstances. If everything is bad here, then until you are rehabilitated, even a good collateral does not guarantee loan approval.

The reason for refusal may be not only a credit history with a minus sign, but also the absence of it as such. If you have never taken out a loan, then the bank does not have a “sample” of your credit “discipline”. Take out a small loan (for example, buy a new phone with the loan money) and repay it on time.

Or get a credit card. If you regularly use it to pay for purchases of a small amount and return the funds before the grace period expires, then the costs will be low, and your credit image will increase. This will give you a head start when applying for a large loan and help reduce its cost.

Unfortunately, the current trend is that if you are already paying off one loan, this circumstance reduces the likelihood of approval for a new one. It doesn’t matter that you make your monthly payments on time and in full. Personal incomes are growing slower than the demand for loans. The number of non-returns is high. The Central Bank does not like this situation, so all banks received a verbal order to “close the shop.” And they do it.

We provide money back guarantees

Nothing makes a bank as accommodating as collateral and guarantors. The collateral can be real estate, a vehicle, or expensive equipment. Guarantors must fully comply with the formal requirements of the bank, have a good income and a positive credit history.

Looking at your passport and mirror

Age. Usually a loan is given from the age of 21, but it is considered that young is green (read, insolvent). Ideal if you are 25-40 years old. Those who are younger or older will also receive a loan, but it will cost them more.

Appearance and behavior. No one says that you need to study an etiquette book and put on a business suit before visiting a bank. But following basic rules of behavior and a neat appearance will definitely increase your chances. If you are counting on a large sum, but there is nothing to give as collateral, and your income is small, then for the bank you are not the client who is always right. Be polite, exude calm, do not plan a festive feast for the evening if you have a meeting with the credit manager the next morning, etc.

Collecting documents

Sometimes bank employees ask you to bring additional documents not listed in the standard list. This is annoying, but since they demand something beyond the “norm”, it means that on some point you “fall short”, but they don’t want to refuse you and give you a chance. Make concessions. But only once! If they “drive” back and forth and ask for more and more data, this means a refusal. For some reason, the bank does not want to refuse outright, so it deliberately creates difficulties so that you yourself change your mind.

It is in your favor to present as many documents as possible, especially if the official salary is more than modest. Banks are aware that half the country receives salaries in envelopes, so they agree to study “indirect” confirmation of financial stability. Attach to your application a PTS, a CASCO policy, a receipt for payment for expensive household appliances, an apartment rental agreement, an agreement for the provision of tourist services (let them know that you were vacationing at an expensive resort), a statement from a bank card account to which unofficial earnings are regularly transferred and etc. All this will help not only increase the likelihood of loan approval, but also reduce the interest rate.

Fill out the form

Be careful when filling out. Write legibly. The more correctly and completely the questionnaire is filled out, the less time it takes to process it, and the more reliable you are in the eyes of the bank. Even if some point seems optional to you, show that you have nothing to hide. Feel free to include the phone numbers of relatives and friends with whom you are on good terms, as well as colleagues who can provide positive recommendations. Just remember to warn them and remind them of what a wonderful person you are.

Play with words. Formulate your answers to present yourself in a more favorable light. For example, if you want to give your wife a refrigerator, then when indicating the purpose of the loan, write not “a gift to your wife,” but “purchase of kitchen appliances.”

Remember that almost all information is easy to verify, and each item that cannot be verified increases the interest rate. Therefore, it is better not to lie. The bank can forgive anything - from a bad credit history to an expunged criminal record - except for providing deliberately false information. If you decide to distort the facts, do it in such a way that the mosquito does not undermine your nose. Otherwise, a blacklist is guaranteed. They will also tell other banks.

Do not refuse to report your data to the credit bureaus, unless you take out a loan with the intention of never paying it back. But this is illegal, fraught with problems, and permanently deprives you of the opportunity to receive loans in the future. Do you need it?

Just as you should not refuse to have the bank check your data with the credit history bureau. If you do not allow the bank to collect all the important information, it will prefer to refuse you.

Avoiding “live communication”

Quick loans, the decision on which is made by a robot within 15 minutes, will save you from the need to collect documents and waste a lot of time. You will be able to hide some facts of your biography that may be an obstacle to issuing a loan. But the amount will be less than what you expect, and the rate will be high.

Let's go to the right bank

Let's start with the fact that you need to submit applications to those banks whose requirements you meet. It will take time to find out the terms of lending from different banks, but it will take even more time if you act at random. What's the point of applying to a bank that gives loans from the age of 23 if you are 21? The refusal will come automatically.

If you receive your salary on a card, try to take out a loan from “your” bank. Firstly, fewer demands will be made. Secondly, they are unlikely to refuse. Thirdly, the conditions will be favorable.

You can also contact the bank where you previously took out a loan and successfully repaid it. Banks love regular and responsible clients and offer them special conditions.

A few words about registration. Today, many banks quietly issue loans to clients who are permanently registered in another region. But situations are different, so it is preferable for the borrower to be within easy and quick reach. So local “registration” is welcome, and loan terms for those who have it are more favorable.

We behave well

The bank can also “poke its nose” into those of your affairs that you would prefer not to involve anyone in. For example, check whether you have paid all taxes, whether a criminal or administrative case has been initiated against you, etc. If he finds something bad, he will refuse.

Let's take it by number

Apply to several banks at the same time. This way you won’t waste time if the chosen bank refuses. At least one bank will approve the loan.

Let's stay in touch

The phone numbers you provide to the bank must be valid. And wait for the call - if the bank cannot reach you, it will become suspicious.

Contact an intermediary

A credit broker is familiar with the banking industry, knows the nuances, and has acquaintances among bank employees. He will tell you which credit institutions you should contact to avoid being rejected. He will also be able to identify what your mistake is if all the banks refuse and you don’t understand why.

What not to do?

Deceive. Especially when indicating information that is easy to check - contact details, place of work, availability of current loans, etc. But sometimes it is very desirable to remain silent. For example, you can tell the bank exactly what you will spend the money on, but for what purposes you are going to use the purchased property, it does not need to know.
Forge documents. The forgery may not be noticed unless they specifically check the authenticity. But you can never predict which document will be “punched through” and which will not.
Talk about plans for the future. For example, that you are going to move, go on maternity leave, jump with a parachute, invest loan money in starting your own business (unless it is a targeted loan for business development), etc.

We wish you successful cooperation with banks and hope that our advice will help you achieve your goals!

Online loan application is a useful service that many banks offer. Its essence lies in the fact that you can easily submit the necessary personal data without leaving your home. That is, the bank will be able to tell you in advance whether the loan will be approved or not. Also, this application will allow you to save time in line at a bank branch before directly receiving a loan. But there are several features of filling it out that are important to know about in order to increase your chances of getting a loan. Interesting? Read below for details.

Online loan application and what it is

An online loan application is a special form on the bank’s official website. It helps you submit the necessary information to verify your identity. That is, the bank, based on this data, will understand your solvency. The advantages of this service are the following:

Possibility to apply for a loan remotely.
There is no need to go to the bank and stand in lines.
There is no need to collect a complete package of documents to submit an application.
The ability to find out in advance exactly what amount the bank will approve.
Possibility to remotely ask questions to specialists using the feedback form.

Thus, an online loan application is more than just a form for borrowing money. This is also a way to get answers to questions regarding the loan product. Below we will look at how to fill out such forms correctly and what exactly is best to hide from the bank. In essence, it will not be fraud. Fraud is the provision of knowingly false information. In this case, you simply provide only the information that shows you from the best side. A kind of interview. Only with the bank.

How to properly fill out an online loan application

So, in order to correctly fill out an online loan application, it is important to understand that all information is processed by live specialists and compared with data from the Credit History Bureau. Therefore, you should not provide false information. Firstly, this is a criminal offense, and secondly, the bank will most likely refuse to provide a loan. When completing your application, you will be required to provide the following information:

Full name
Age and gender.
Registration as in a passport.
Place of work.
Monthly income amount.
Presence of dependents in the family.
Having a spouse.
Availability of property in sole ownership.
Availability of other accepted credit obligations.
Contact details.

It is worth noting that all information goes directly to a specialist from the bank’s economic security service. That is, it will not be publicly available on the Internet. Today, government agencies strictly monitor the correctness and security of storing clients’ personal data when receiving it online.

What else might you need?

Some banks and almost all microfinance organizations require documentary evidence in addition to information. It is clear that it is impossible to present a passport online. And if you need to go to the bank, then what is the point of such a form? To make the service as comfortable and safe as possible, the companies have provided the ability to send a passport photo.

Thus, you need to take a photo of your passport on the main page and the registration page. It is important that the information you write completely matches what is written in the passport. A third photo may also be required. It should show you in front of an open passport. This allows you to ensure that it is really you and not someone else who is applying for the loan.

Photos will need to be archived using special programs and sent as one file. Usually there are different requirements for them in terms of volume. That is, one image should not be larger than a certain size. Read more detailed information about this directly on the website of the bank where you are submitting your application.

What data should not be provided?

Today, many banks have tightened requirements for borrowers, which has significantly reduced the loan approval rate. To increase your chances of getting them, follow the little tips written in. I also recommend that you take the issue of filling out the application seriously. In it, try not to indicate or slightly modify the following:

Do not indicate the number of dependents in the family. The fact is that the client’s solvency is calculated from his indicated income minus the minimum amount required for living per month. That is, the more dependents you indicate, the less chance you have of getting a loan. Unless, of course, your salary is several million rubles a month.
Try not to indicate your official salary. I understand that business representatives underestimate the official income of their employees in order to reduce the tax burden on themselves. But if you indicate only official income, then the loan is usually denied. Remember all your sources of income that can be confirmed in one way or another if necessary. Write the amount received as income. It should not be TOO high, otherwise experts will have doubts about the reliability of the data obtained.
You should not hide information about other loans taken. All information is checked by the Credit History Bureau. If it turns out that you indicated incorrect data somewhere, then you will be denied a loan with a 60% probability.

If you follow simple tips for filling out an online application for borrowing money from a bank, and also read an article about the secrets of obtaining loans, then your chances of solving your financial problems will increase significantly. I would be very grateful for your repost if the article helps you get the money you want. But that's not all. Below you will find more interesting information.

Why can they refuse a loan?

Everyone remembers the standard phrase of call center operators. "The bank may refuse
granting a loan without explaining the reason.” That's true. The reason is usually not explained. But you must know the main ones in order to try to increase the likelihood of receiving a loan. So, the main reasons for failures include the following:

Incomplete package of documents.
Inconsistency between the information specified in the passport and the information in the application.
Low income.
Availability of existing arrears.
Having several existing loans that completely eat up your income.
Bad credit history.
Non-compliance with standard bank requirements.
Lack of a permanent source of income.

These are the main reasons. Although, there are many more reasons. Even a bad recommendation from the loan officer who issues you a loan can be a good reason for refusal. Therefore, during the interview you need to act naturally and not too independently..

Renaissance Credit Bank.

Other regional banks that are not included in the TOP 100 according to the banki.ru portal.

These banks have a very high approval rate. And the application is considered from a few minutes to a couple of days. At the same time, the package of documents is minimal. Only a passport and a second identification document are required. Although, in some cases, you may also need a certificate of income. It can be done according to the 2-NDFL form or according to the bank form. In the latter case, the interest rate will be higher by 0.5% -1%. But sometimes it is worth refusing the 2-NDFL certificate in order to receive a significantly larger amount in the income certificate.

If you really need money, then try filling out several online applications at once from different banks. This will allow you to get multiple approvals at once. After this, you can choose where there are more favorable conditions for providing a cash loan.

Everyone who applies to a bank for a loan hopes to hear a positive answer, but according to statistics, approvals are given only in 30-40% of cases, and in some banks even less. It is up to the borrower to make loan approval more likely. Follow the tips below and you will have every chance of a positive outcome.

You are assessed as soon as you come to the bank

Even if you have not yet started completing your application, you are already being assessed. The bank manager you are talking to is not just an employee filling out an application, but a representative of the bank who can influence the outcome of the review.

When visiting the bank:

Behave appropriately;

Don’t be rude to the manager or cause a negative reaction from him;

Your appearance must correspond to what you indicate in the application form;

The applicant must not be drunk

Come for a loan alone;

During the interview, the borrower should not arouse suspicion.

When filling out the form, you should easily provide the information reflected in your passport (registration, city of residence, marital status, presence of children).

Obvious formalities

As you know, the first stage of client verification is automatic scoring. A special program analyzes the completed personal data and awards points to the person. You can advance to the next, “live” stage of verification only after reaching a certain amount. Specific threshold values are set by the lender itself, based on its internal assessment policy.

However, the minimum amount of points may vary depending on external factors. For example, an unfavorable economic situation and a sharp decline in the standard of living of the population increase the risk of non-repayment of loans, so banks can temporarily raise the selection threshold almost to the maximum.

What the borrower needs to know at this stage:

it is necessary to indicate data that corresponds to reality as closely as possible - if any discrepancy is detected, the application will be automatically blocked;
indicate as much information as possible that characterizes you positively and increases your scores (higher education, possession of property);
do not forget to indicate additional sources of income if available;
willingness to bring guarantors or a co-borrower increases the scoring score;
a large number of applications for a loan (the bank recognizes this in the credit history) negatively affects the result of the check, so you should not submit applications to a large number of banks at once;
the loan officer accepting the questionnaire will also provide his subjective assessment in the form of a comment on the questionnaire, which may increase or decrease the final score.

Subtleties of filling

It is clear that a person with a high income, a stable job and expensive property is unlikely to go to the bank for a consumer loan - as a rule, such people have a reserve of finances and will not want to pay high interest rates. But this is difficult to explain to a scoring program, so some of the data provided can be “tightened” within reasonable limits to bring you closer to the image of an ideal client.

Taking into account the automatic accrual of points and the inability to verify some of the specified data, we can recommend the following to borrowers:

If your official salary is small, indicate the presence of additional income. Its source is selected according to the situation. You can imagine it as an unofficial part of the salary - in this case, it is advisable to agree with the employee from his place of work so that he confirms this information when receiving a call from the bank. If you own real estate that you do not live in, write that you are renting it out. The same can be said about a car.
Married people enjoy greater confidence in banks. Therefore, if you are officially married, but in fact do not live with your spouse, it is better to remain silent about it and check the “married” box in the questionnaire.
Work experience also influences the final assessment score. You can safely add to your total length of service, since no one will ever be able to check it - the lack of documentary records can be easily explained by the loss of your work book.
If you have minor children, but they are not listed in your passport, then do not write them in the application form. Having dependents significantly lowers your credit score.
Remember that an unemployed spouse is also considered a dependent.
If you have credit cards, be sure to indicate them in the appropriate section of the application form. The bank will still see them in your credit history, and an attempt to hide their presence will arouse suspicion. At the same time, if you are an active credit card borrower and do not make any late payments, you will receive a much higher score than if you had no loans at all.
Never write in any application that you are renting housing. If you do not have your own apartment, highlight the option of living with relatives.
An important point is to indicate the purpose of the loan. It is advisable to write specifically what you are taking the money for. Good options are repairs, purchasing equipment, furniture, training, or a tour. The bad ones are starting your own business, getting treatment, buying jewelry.

Study the requirements of the bank before contacting it

If you do not meet at least one criterion set by the bank, you will be guaranteed a refusal. Full requirements for borrowers can be found on the website of the bank of interest or at its offices.

You should be interested in the following points:
- age limits established by the bank. When analyzing the maximum age, keep in mind that this is the age at the date of loan repayment;
- requirements for place of registration, work and residence;
- what package of documents must be provided to obtain a loan;
- requirements for general length of service and length of service at the current place of work.

Objectively assess your financial capabilities

The bank will never approve a loan if it is clear to them that you will not be able to repay the loan without problems. In total, it should not take more than 40-50% of the applicant’s net income to pay off all current loans and those that will be issued. Moreover, if he has other debt obligations, for example, alimony or rent, this is also taken into account in the ratio of the client’s income and expenses.

What is important to consider:

1. You will significantly increase your loan approval rate if you request a long-term loan. Such applications receive approval more often.
2. The bank may refuse a client who clearly cannot objectively assess his capabilities. For example, if you pay 20,000 rubles, you want to get a loan with a monthly payment of 10-15 thousand. This indicates low financial literacy of the citizen.

How to increase your loan approval online

Many banks accept applications from citizens via the Internet. With this method, the client does not undergo an initial assessment by the credit manager, but the bank evaluates his behavioral factor when filling out the application.

Important points:

1. If you go to the bank's website and immediately start applying, it will be suspicious. First, go to the section with the requirements for the borrower, study the bank’s tariffs and only then proceed with the application.
2. It is also important how exactly the client enters the information. If he copies it from somewhere or uses one data or another, this will raise suspicions of fraud.
3. After filling out the application, they will definitely call you. The purpose of the call is to identify facts of fraud. If you don't lie and act calmly, you will pass the interview. Don't be surprised if you are asked questions that seem strange at first glance, such as how you get to work.

What else do you need to know?

In addition to awarding points, the questionnaire verification program provides for cases when they are deducted:

actual work not in the specialty;
presence of children and dependents;
maternity leave for the spouse;
when contacting different banks, you provided different information about income;
mobile phone (number) is registered to another person;
no landline work phone;
outstanding fines, alimony, criminal record;
a close relative has a bad credit history;
lack of property;
more than 3 open loans (including credit cards);
work for individual entrepreneurs;
some types of professions and areas of activity (for example, sales managers).

If possible, you should fill out the questionnaire in such a way as to maximize your scoring score. The fact is that in addition to the dropout threshold, the bank usually also has a gradation of points scored. For example, if the result is very good, instant approval occurs. In some cases, the application will be sent for additional verification, supporting documents may be required, etc.

Therefore, the main principle should be this: “embellish” only those data that the bank cannot verify, otherwise adhere to clarity and reliability - otherwise the application will be rejected, if not immediately, then after a more careful consideration. Also remember that deliberate concealment and distortion of facts about yourself when applying for a loan can be subsequently regarded as fraud (misappropriation of other people's money by deception) - naturally, only in case of non-repayment of the debt.