Looks like the perfect borrower?

My criteria for selection of borrowers, banks have always been, but with the advent of the "crisis time" they will become more clear and distinct. Thus, the present you, the perfect borrower. In vain, many think that the higher the income of the borrower, the greater the chances of getting credit. On the contrary, according to banks, people with higher income are more at risk. A person who lost their jobs with good wages, more difficult to find a new job with similar pay. The median income - now a bank landmark. Pay attention to the profession and try not to give out mortgages to entrepreneurs, journalists and lawyers. Age and education According to experts, the ideal age for banks from 25 to 40 years. So, if earlier, many people were given loans of 18, now the minimum age flaw has moved up to 1921, and in some banks (eg, "Raiffeisenbank") and did increase it to 24 - 25 years. Also ideal borrower must have a college education. Credit history and guarantors Without a good credit history anywhere. If you have no credit history at all, the bank 100 times think it worthwhile to even contact you. The key to success may be the presence of several sponsors. Availability of property ownership is not the last criterion in making a positive decision by the bank. In principle it is also, as surety, the lender is seen as a lifeline. In terms of scoring As is known, often the decision to grant or deny the loan takes the scoring - a machine that assesses the creditworthiness of the person. Analysis of all loans issued to them, the analysts concluded that the ideal borrower for scoring is as follows. This is a woman with two children, not too young, unmarried, having financial independence, stable employment and permanent residence.