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Common Reasons for Loan Denial
Poor Credit History: As mentioned earlier, credit scores play a crucial role in determining creditworthiness. A score below the lender’s threshold can lead straight to denial.- Insufficient Income: If a borrower’s income does not meet the minimum requirements set by the lender, the request may be denied.
- High Debt-to-Income Ratio: When considerable existing debts are combined with new loan requests, lenders may categorize the situation as risky.
- Errors on the Application: Mistakes in the application, whether due to incorrect data entry or missing information, can obstruct potential loan approval.
- Job Instability: A relatively short work history or frequent job changes can raise red flags for lenders.
кредитный калькулятор сбербанк