In a financial and analytical review of the "Monetary Policy Context" published on the website of the Central Bank of Russia, it is said that Russian banks are declaring plans to mitigate the credit policy for all types of lending. Of course, banks are not ready to assume excessive risks, therefore banks' credit policy of banks remains cautious, which restrains the growth of loan portfolios. more info
Getting a credit history
The number of borrowers in our country is constantly growing. This happens every day when thousands of people go to take a loan, make out a mortgage or a car loan, go quickly to get a microloan in an MFI, refinance existing loans and so on.
But each time the borrower is surprised why he was refused a loan. The main reason for our observation is a spoiled credit history. It is quite simple to spoil the credit history. The borrower can keep payment of the next payment for several days. Also, some borrowers lose their jobs or move to another company for work and also for some time I can not pay for the next payments in full and in full. Very often, borrowers have been good for a long time and their credit history was positive, but the time has come when it became difficult to pay and the current delay was formed. The borrower goes to the bank and receives a refusal in the loan. He is surprised and says that I have not just gone to pay now, but everything was good before. Why have I been denied credit !?
It's simple. Before you make out a loan in cash or a credit card, a mortgage or a secured loan, you need to check your credit history. In our practice, very few people do it. Some borrowers before checking their credit history pass through 5-10 banks and receive waivers without comment why. it's also simple. Banks do not divulge the reasons for refusing credit. You need to take care of yourself not to waste time, money and energy on filing applications, and armed yourself with a report from the Bureau of Credit Histories, go to the bank's employee, show a report from the BKI and receive an answer. The answer may sound like this: with this credit history our bank will refuse you or your credit history will be suitable for our bank's credit policy.
Check your credit history is not as difficult as it seems. You do not even need to go anywhere. We are ready to check your credit history online, so to say without leaving home remotely.
What do you need to check your credit history online with our help? The site has a form of online credit history inquiry. In the form you score your data, attach a signed and signed consent to receive a credit history, attach your passport scanned in color and send a request. After we receive your request, we will send you a receipt for payment. You pay for the request and send us a paid receipt. After that, our specialists receive your credit history and send it to your mail.
For those customers who do not want or are afraid to send their documents and data online through the form and pay for services, without seeing who gets paid, you can come to our office. Provide a passport, sign an agreement, pay for the service and within 5-10 minutes receive your report also on the mail.
Any citizen of the Russian Federation who lives in any region of our country who has reached the age of 18 and has a passport of a Russian citizen can check his credit history.
Checking your credit history is a pledge of a quick and successful loan or mortgage.
Also, Mortgage Credit Mortgage Broker conducts a SHARE which consists in the following: you will receive your credit history from the NBKI free of charge, if you do not have any delinquencies for the entire period of formation of your credit history, that is, for all obligations there will be only "1". Terms and conditions of the promotion: you have at least 5 closed and / or existing obligations on the check day in the NBKI report, except for micro loans of MFIs and credit cards with a limit of less than 100,000 rubles. Each obligation is paid and / or paid for at least 1 year.
Subject to the terms of the promotion, you will receive your credit history for free. The paid money will be returned to you by the shares.
For more details about the service and ACTIONS, please contact our managers by phone or via feedback.