Any of its client banks "are examined under a magnifying glass." But when it comes to mortgage loans in large amounts, even this is not enough. The banker must be completely sure that the borrower will repay. By unwritten rule, the level of income "loan supplicant" has 2-3 times the size of the monthly payment. To prove its financial viability, borrowers bring in help for banks to form 2-PIT. For it clearly can be seen as the last time the borrower has earned. But in addition to signs of financial help any self-respecting banker must draw attention to the customer's bank account. Are there any stocks, how often they were filled? All this will help a banker acquaintance with the discipline of "asylum". Have to show and passport. If the borrower has repeatedly crossed the border of the country, he's solvency. Credit history needed by itself. If in the past you took out a loan and paid it successfully, then the new you will no problems. Innovative techniques in recent popular different scoring program, which shall decide on granting a loan. The man asked a question, he answers, and if the gains at the end of the required number of points, I believe, "credit in his pocket." But Israeli developers have gone even further. They have prepared a program that recognizes the borrower's voice. There is excitement - then something is wrong, perhaps the client telling the truth. Added that if the financial condition of the client in question, the bank can offer him to take a smaller amount or increase the size of the down payment.
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