Before entering into a loan agreement with the bank,everyone knows that he must undergo an examination procedure, after which a positive or negative answer will be received. The bank is left without the right to refuse a loan without explanation. And many simply can not understand why they are denied credit in a particular bank. You can make an official request, but there is no guarantee to receive a response.
Another reason why banks arecredit, with all banks, there may be a negative credit history. What it is? If you have ever taken out a loan, then a credit history is starting for you, so to speak, or in the banking language. In the credit history, all information about loans taken and paid off will be recorded. If for any reason you did not properly fulfill the loan repayment terms, let alone the loan amount was forced from you, then consider that your credit history is negative. Do not expect that if you blundered on a loan in one bank, then in the other they will not find out about it. Such kind of information is available to all banks of our country in a certain base, which many borrowers even suspect. Citizens who have been brought to criminal responsibility may also be in a similar base.
According to statistics, the Security Council most often denies a loan,this is due to the popularity of the bank. Sberbank takes the leading place in the country to provide relevant services, it has enough turnover and deal with problem borrowers or borrowers with a negative credit history, it simply will not. If you are one of these, do not waste time and contact another bank immediately.