One of the consequences of the financial crisis - banks have become more strict in choosing borrowers. Therefore, the increased number of failures in the mortgage loan from banks. Some failures can not be a reasonable explanation, but in general the causes can be analyzed. What to do today and tried Internet Journal of Real Estate Metrinfo. And we tried to understand what it takes to make a potential borrower, so as not to run into a failure. This failure of claimants to the status of the borrower was at the seminar "Mortgage and to all those who refused," held by RUBURO. As well as that greatly increases the chance for a mortgage loan to mortgage brokers to appeal. But first things first. Who is likely to be refused How to tell the assembled company RUBURO Senior Elvira Shugayeva, banks are suitable for different categories of customers is very differentiated. Worst of all they provide loans to individual entrepreneurs who have no legal status. The reason is that the proceeds of such categories of workers are virtually impossible to establish. In second place on failures are business owners, registered as a company, but who give reports on a simplified form. The reason for this is the same - the difficulty of determining the true income. However, such a firm entrepreneurs acting as a mortgage broker, can restore the accounting, to put it in order and after that gives the bank the documents of the client. In a somewhat better position are highly paid employees. How to check the reference number 2-PIT Information on income borrowers in the form № 2-PIT, which require a bank, in the words of Professor Preobrazhensky, not armor. While in the bank rather believe certificate issued ordinary employee, than the head of the firm. Yet the data specified in the certificate will be checked with a magnifying glass. Check also, is not related to you accountant. Some cunning help bring 2NDFL number of large firms, and point the phone from this company. On this phone sits instructed the man who confirms the applicant. But it is necessary to find a phone of this company in the directory or the Internet, and there the employee named in the application and the phone no one knows. There are companies that issue certificates 2NDFL number for a fee. This is a real-life office, doing something. A "spravkovydavanie" - their side business. Under glass in the office manager of such firm is a list of dead souls whose names must confirm. However, these firms are at risk very quickly become familiar and into the black list of the bank. And then the real workers of this company will not receive any credit anywhere. So, do not hesitate: the bankers always check to see if you're really on the spot and in the office specified. Some banks have until recently limited to a telephone call, but in recent times, when money again in price, have to travel to the place of service of the applicant for the loan. Check out this fee and a loan amount deducted from his two or three thousand rubles. False documents to the loan will close the road Other documents are also studied carefully. And woe to him whose employment history will be filled with the same hand, and scanned with an increase in the degree will print dot, which indicates that the document is printed on a printer. Incomplete information may spoil everything Experts advise to report themselves to the fullest attention. For example, one man said in a statement that he has no children of their own. Employees of the bank, calling him home, they heard a child's voice. On this basis they concluded that the false information. Great effort was worth the brokers then explained to the bankers, that man lives in a civil marriage with a woman who has children from a previous marriage. The reason for refusal can also become very very amazing things. For example, if a person is a physicist-theorist, but it works in real estate, he can also roll the refusal on the grounds that the record in the diploma does not meet the real work. What should be the salary salary of the applicant is of great importance, but should not be assumed that the larger amount is indicated on the certificate, the higher the probability of a positive decision. Thus, the meeting brought out an example of the potential borrower with a white wage of 360 rubles. Why was denied? Confused, that the pretender was not higher education, she has worked all his life in the company, which was once the defense as a senior engineer. In addition, bankers did not find their web site on the Internet. Brokers had to try hard to knock the lady credit. They proved that the company switched to lease construction equipment, it is claimed on the market, does not require advertising their services, and client - a valuable and highly qualified staff. Specialists of the mortgage market are strongly advised - not "draw" his non-existent wages. The bitter truth is better than sweet lie! Otherwise you get into the interbank database of persons who file false information about himself, and next the bank you are denied, but after reading your name. The average "white" also salaries of those who receive a positive decision is 62 thousand rubles. It is clear that such applicants are likely to occur and additional revenue. Credit history can help prevent and positive moment for the banks - a positive credit history. The presence of outstanding loans, of course, is a negative factor. Lack of credit history as such - too negative. Therefore, customers are advised to first take a short-term consumer loans, it is fully paid, and only then apply for a mortgage. But here, not all glory to God. As the chief of sales and sales management of the Bank's housing finance George Margaret analytical service bank has the task to weed out those who arouse suspicion. The functions of the analyst is not so much an operational check of the veracity of information as risk assessment of possible default. For example, this is traditionally a positive thing as having a positive credit history can be viewed from another angle. If the last man could not on their funds to buy a cell phone and six months paid five thousand rubles, or whether he can pay each month for two thousand dollars, paying off the mortgage? Having set himself such a question, the analyst begins to dig at the candidate and found him very real jambs. How to check the security service security service bank checks us in, as I put it - against the Criminal Code. By the way, explain why the rejected, those valiant people do not like. But the most common reasons are known: - the applicant had legal problems or in general - has concealed a conviction - had bought a fake registration - was once a member of an accident. The inspectors also make mistakes very often failure is the result of improper performance of inspection duties. Thus, the security officer of a bank could not get on the modal enterprise have employed the applicant. On this basis, he concluded that the client does not work there. In another case, an employee of the bank telephoned the applicant on the house phone during business hours and do not you call, gave the opinion that the applicant for a mortgage does not reside at a specified address them. Tip: go to mortgage brokers Denied still three times less likely than issue a positive decision. Even now, the proportion of failures is not so great. Although it is twice than in 2007, however, is, for example, in the same bank for housing finance only a quarter of the number of applications filed. To guard against failures - especially resulting from misunderstandings and people are turning to mortgage brokers. They really can appeal the actions of dishonest employees at the bank's management, which they tend to have personal contacts. Almost all of the stories we had a good end, as brokers 'repulsed' customers. No brokers in this market can do the "white and fluffy" borrowers who have a large official salary, for a lot of time walking on the banks and not having any problems at all. But such people should be sought during the day with fire, others certainly will need help. Moreover, due to the financial crisis, the role of mortgage brokers will continue to grow, as because of the stringent requirements for borrowers, the number of problematic clients will increase. We have only to recall the cost of the services of brokers - in Moscow, they are estimated at about 1.5-3% of the loan. Summary To address whether a mortgage broker or not - is, after all, a private matter. But the general line of human behavior, applying for a mortgage, it is quite understandable. The main recommendation - do not lie nor on any, even the slightest provocation. Because cheaters zanesut in some black base, will be remembered forever, and then the loan can be easy to forget.
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