As a result of delayed payments on the loan orThe presence of an outstanding loan in the hands of a bad credit history can form. In most cases, it is a serious barrier in obtaining a new loan.
The over-crediting of Russians leads to the fact thatToday the percentage of bad loans with delinquencies is quite large. Each bank has its own idea of what kind of history is attributed to the category of bad. Some can close their eyes only to minor delays for 1-5 days, others - they are loyal to borrowers with more significant delays for up to a month. But if there is an outstanding loan on hand, getting a new one will be almost impossible. Therefore, it is absolutely not necessary, if you were refused to issue money in one bank, they will refuse in another. It is believed that banks like Tinkoff, Renaissance Credit, Home Credit, OTP Bank, Russian Standard, Moscow Credit Bank, Zapsibcombank are more loyal to problem borrowers. True, the credit programs they offer are not characterized by favorable interest rates.
Also, a borrower with a bad credit history can expect to receive an express loan, or at the very least turn to a microfinance organization.
Banks recognize the credit history by sending a requestIn the CRC. If you have previously taken out a loan, all information on overdue obligations to fulfill financial obligations is displayed in the bureau. But the processing of the request takes time, so when express loans (when the decision to grant a loan is granted within a few minutes), banks do not make inquiries in the CRC, and assess the borrower based on scoring.
For example, such programs exist in the RenaissanceCredit, where you can count on the amount of up to 1 million rubles. At an interest rate of 22.9% (the decision is made in 10 minutes). In Probusinessbank under the program "Credit on trust" you can get the same maximum amount for a day with a rate of 17%. In the bank "Russian Standard" with a rate of 36% you can take the amount up to 300 thousand rubles. Promsvyazbank provides a loan "Verified by time" for up to 1 million rubles. With a rate of up to 23.9%. The Moscow Credit Bank provides loans for up to 3 million rubles. With a rate of up to 26%.
It's also enough to just get a loan forPurchase of equipment in the store. They do not require confirmation of income, employment, and the decision on extradition is taken as quickly as possible. Having conscientiously fulfilled their obligations under such a loan, you can improve your credit history.
If you need a small amount for a limited period,Then you can apply to a microfinance organization. They do not look at credit history and specialize in small amounts - up to 15,000 rubles. But interest on such credit programs is really predatory and can reach 2% per day (760% per year).