Here is an incomplete list of such situations:
credit products opened less than six months ago;
the borrower has a bad credit history;
Overall, the credit history is good, but in the recent past there were some late payments;
You want to refinance your credit card, but the bank only works with cash loans.
In some situations, applications are approved partially. That is, several products are selected, and the rest are not accepted. In this case, the borrower should consider how good the offer is. Perhaps shandong mobile number database it is worth refusing and applying to another bank in a month. This pause is necessary so as not to spoil the credit history.
If you have recently taken out a credit product, it is impossible to refinance it until at least six months have passed. But you can take out a new loan on more attractive terms and use the funds to pay off the old one. To do this, you must have a good credit history and a low debt burden ratio.
You can do this at Bank Sinaraget up to 3 million ₽ for a period of up to 5 years with a guaranteed 0% rate. To do this, you need to draw up a loan agreement for at least four years and activate the service package "Manage easily" It also allows you to change the payment date every month and skip a payment once a year. In order to get back all the interest paid, you must not allow late payments and use the limit in full. This means that early repayment cannot be used for four years, otherwise the terms of the program will not be met.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.