» » Заявка на микрозайм: причины отклонения и возможность подачи новой заявки



Заявка на микрозайм: причины отклонения и возможность подачи новой заявки


Заявка на микрозайм: причины отклонения и возможность подачи новой заявки

Даже постоянный клиент МФО может однажды получить отрицательный ответ по заявке на заем. Конечно, такая ситуация вызывает недоумение. Почему заявку отклонили? Стоит ли еще раз обращаться в эту компанию или лучше выбрать другую? Повторная подача заявки имеет некоторые особенности. Учитывайте их, чтобы новое обращение в МФО закончилось для вас одобрением микрозайма.

Причины отказов МФО


Постоянное сотрудничество с кредитором не является гарантией того, что все ваши заявки будут одобрять. Компания может изменить условия кредитования и по этой причине отказать заемщику, который не проходит по каким-то параметрам. Или могут возникнуть другие причины. Например, самыми распространенными являются:

1. Плохой рейтинг клиента.
2. Закредитованность.
3. Неверная информация в заявке.

Вполне естественно, когда заемщик, который раньше обслуживался в определенной МФО, рассчитывает получить там новый заем. Но даже такого клиента внимательно оценивают. Если будет найдена причина, мешающая выдать микрозайм, то заявку отклонят.

Среди неочевидных причин можно отметить наиболее популярную. Представитель МФО может просто не дозвониться до вас, чтобы проверить данные. Если вы не ответили на звонок или пропустили его, то кредитор отклонит заявку. Поэтому после отправки анкеты старайтесь оставаться на связи. По указанным в ней контактным данным с вами может связаться специалист МФО.

Анализ заявки


В процессе оценки заявки, которую заемщик подает в МФО, скоринговая программа начисляет баллы по значимым пунктам анкеты. Обратите внимание на следующие параметры, от которых будут зависеть конечная сумма баллов:

1. Возраст. Больше баллов получают клиенты среднего возраста, меньше – молодежь.
2. Должность. Чем она выше (руководитель, начальник отдела), тем лучше будет результат оценки.
3. Образование. Максимальное количество баллов получают заемщики с высшим образованием.
4. Дети. С увеличением количества детей снижается скоринговый балл.
5. Семейное положение. Женатые (замужние) заемщики получают больше баллов.
6. Стаж. Тут тоже все просто – чем дольше вы работаете, тем выше будет балл.
7. Собственность. Этот параметр имеет особое значение при подаче заявки на крупную сумму. Если у вас нет собственного имущества, балл будет низким.
8. Доход. Клиентам с минимальной зарплатой начисляется самый низкий балл.

Повторная подача заявки на микрозайм


На сайте МФО может быть указано условие и срок подачи заявки, которая отправляется после получения первого отказа. Чаще всего, обращаться нужно не ранее, чем через 1 месяц. Если таких сведений нет, лучше выждать пару недель и узнать у представителя МФО, можно ли подать заявку повторно. Проще всего сделать это через онлайн-чат или по звонку на горячую линию.

Если причиной отклонения была неверная информация в анкете, то при последующем оформлении заявки тщательно изучите заполненные графы на предмет наличия опечаток и неточностей. Заполняйте обязательные поля, а также старайтесь указать максимум информации о себе, прописав необходимые сведения в дополнительных полях. Чем подробнее анкета, тем проще кредитору оценить заемщика.

МФО сканируют полученные заявки через автоматические сервисы. Недостоверные данные легко обнаруживаются. В том случае, если вы отправляете ложную информацию и намеренно хотите обмануть кредитора, вас занесут в черный список. Ни одна повторная заявка на заем не будет принята и одобрена, пока ваша фамилия значится в таком списке.

Перед заполнением заявки изучите предложения и условия МФО, попробуйте рассчитать сумму займа на онлайн-калькуляторе. Некоторые компании отклоняют заявку, если замечают подозрительное поведение клиента на сайте. Например, если он сразу начинает оформлять заявку на максимально возможную сумму, не читая требований и правил.

Если заявку отклоняют из-за наличия действующих кредитов, то не спешите вновь обращаться в МФО, пока не закроете старые долги. Сначала выплатите имеющиеся займы. Новую заявку не станут одобрять, если за вами числится большая задолженность или на вас оформлено несколько других микрозаймов.

Как получить одобрение повторной заявки?


Придерживайтесь следующих рекомендаций:

1. Вносите корректные и правдивые данные в заявку.
2. Закройте имеющиеся кредиты.
3. Выплатите долги по штрафам, алиментам.
4. Подсчитайте сумму выплат по вашим обязательным платежам. Она не должна составлять более половины дохода.
5. Убедитесь в наличии стабильного заработка.

Если вы подаете новую заявку спустя несколько дней и меняете размер дохода или указываете другое место работы, то такое поведение будет подозрительным. Кредитор может выявить обман и наложить полный запрет на выдачу займов.

Помните, что нельзя спешить с подачей повторной заявки, если по вашему первому обращению был получен отказ. Обычно срок ожидания составляет 30 дней. Это касается обращений к одному и тому же кредитору. Если вы хотите попробовать взять микрозайм в другой компании, то ждать не обязательно. Подать заявку можно сразу. Только убедитесь, что анкета заполнена верно и грамотно, у вас нет задолженностей, а размер дохода соизмерим с размером микрозайма.





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