Almost any bank checks its credit history with a special bureau before issuing a loan. A borrower who has had problems with repayment may then have problems with the subsequent loan of money from the bank. There are several ways to get money with a negative history.
• Take out a loan from a bank that is just starting its business. Their initial goal is to have as many customers as possible. An unpleasant feature of this method is that banks charge borrowers a large percentage if their credit history is negative.
• If we are talking about loan amounts in the range of up to 200,000 rubles, then micro loan organizations will be a great fit. They don't require anything else besides a passport. The basis for issuing a loan will be your good solvency. The downside is huge interest rates compared to banks, which can exceed the initial loan amount by 2-3 times after repayment.
• Join a credit cooperative. This is an organization that provides financial assistance to members of its association. Most often, this is a group of like-minded people who have a business in a certain area, which unites financial resources for its implementation. This method is suitable for borrowers who want to start their own business, but do not have the money. But this method should also be approached with caution, as fraudsters may be hiding under the credit cooperative.
• Private investor. Provides money in a short time. In this case, you will not need to make income inquiries and have a good credit history. It is enough to provide a passport and property, which will be provided as collateral. If the amount is small, then you may only need a passport.
• Contacting a credit broker is also a good way to get money. This is a professional intermediary between the client and the bank. His task is to choose the maximum possible loan program in a particular bank, prepare documents and submit an application. Brokers charge a certain percentage for their work, and mostly if the bank has issued a loan. The percentage of remuneration depends on the loan amount and can be 1-5%. There are also discounts when making a certain prepayment. There are white brokers who work through professional organizations and black brokers who work with the most difficult borrowers. The danger of cooperating with these brokers is that many of them can be criminalized, such as forgery or making up false documents. dollhouse.nl
• Take out a loan from a bank that is just starting its business. Their initial goal is to have as many customers as possible. An unpleasant feature of this method is that banks charge borrowers a large percentage if their credit history is negative.
• If we are talking about loan amounts in the range of up to 200,000 rubles, then micro loan organizations will be a great fit. They don't require anything else besides a passport. The basis for issuing a loan will be your good solvency. The downside is huge interest rates compared to banks, which can exceed the initial loan amount by 2-3 times after repayment.
• Join a credit cooperative. This is an organization that provides financial assistance to members of its association. Most often, this is a group of like-minded people who have a business in a certain area, which unites financial resources for its implementation. This method is suitable for borrowers who want to start their own business, but do not have the money. But this method should also be approached with caution, as fraudsters may be hiding under the credit cooperative.
• Private investor. Provides money in a short time. In this case, you will not need to make income inquiries and have a good credit history. It is enough to provide a passport and property, which will be provided as collateral. If the amount is small, then you may only need a passport.
• Contacting a credit broker is also a good way to get money. This is a professional intermediary between the client and the bank. His task is to choose the maximum possible loan program in a particular bank, prepare documents and submit an application. Brokers charge a certain percentage for their work, and mostly if the bank has issued a loan. The percentage of remuneration depends on the loan amount and can be 1-5%. There are also discounts when making a certain prepayment. There are white brokers who work through professional organizations and black brokers who work with the most difficult borrowers. The danger of cooperating with these brokers is that many of them can be criminalized, such as forgery or making up false documents. dollhouse.nl