For example, to obtain a loan it is not necessary to have a perfect credit history. Banks give money even to those who allowed delays. If banks provided money only to ideal borrowers, they would not have such a large number of clients, Grigoryan said in an interview with the Prime agency.
Another misconception is that a bank will be happy to give a loan to a person who has never borrowed before. In fact, a financial institution does not know what to expect from such a client, so you should not count on a large loan, especially a mortgage.
Grigoryan also reminded the possibility of having several loans at the same time, although it is important that the loan load (the part of the income allocated for loan payments) does not exceed 50 percent.
You must repay the loan – this is a debt that a conscientious borrower is obliged to pay. However, under certain circumstances, the Russians have the right to partial repayment of the loan and even full “forgiveness” of the debt, economist Alexei Krichevsky said earlier, noting that we are talking about exceptions that can hardly be called a positive scenario. .