Что может помешать получить кредит?

Выдача кредита – это наболевшая тема на сегодняшний день. Многие банки придумывают свои способы получать максимальную прибыль от этой услуги. Рассмотрим, как получение займа и дополнительные услуги могут быть связаны?

Кредит

Чем больше страна, тем больше проблем. Это касается абсолютно всех сфер деятельности, включая и экономическую. На территории нашего государства имеется невероятное количество населенных пунктов с разными климатическими условиями, различными направлениями деятельности и промышленными зонами. Несомненно, это никак не сможет оставить незатронутой банковскую сферу. Однако центральные банки страны не желают признавать никаких отличий между получением займа во Владивостоке и, к примеру, в Санкт-Петербурге.

Конечно же, правила работы самой банковской организации обязательно будут одинаковыми, как это и прописано в их общем уставе. Клиенты должны обслуживаться на определенном уровне, который так же поддерживают, и сотрудники отделения в Москве, и в Оренбурге. К примеру, если вы рассчитаете взносы за кредит онлайн, то они будут одинаковыми, где бы вы ни находились в момент расчета. Но интересен тот факт, как сотрудники каждого отделения банка оценивают клиента и его возможности на получение займа.

Стоит отметить, что у каждого банковского отделения есть центральное руководство, которое, как правило, находится в Москве. Однако в самом регионе есть и региональный руководитель, так вот там он сам себе начальник и соответственно им будет рассматриваться ваша заявка на кредит. И фактически решение о том, как будет выдан вам кредит, принимает тоже конкретно он.

У банка есть очень много услуг, выдача кредита среди которых является востребованной, а вот, например, страхование денежного вклада или какого-то имущества нет. Когда речь заходит о страховании получаемой денежной суммы, как правило, большинство клиентов просто не видят в этом никакого смысла и отказываются. Этот шаг может отрицательно сказаться на решении руководства банка, как бы ни справедливо это ни было бы. Иногда сотрудники намекают потенциальному получателю кредита, что они могут просто не выдать ему займ, если тот не согласиться на то, чтобы заплатить сумму за страхование. Кстати говоря, сумма эта, как правило, не такая уж и небольшая и составляет примерно 8-10%. Таким образом, заявка на ожидаемый кредит – это не единственное условие, которое будут рассматривать региональные представители.

Случится ли с вами такая ситуация в крупном регионе? Это будет маловероятным, так как там начальство уже ближе, а дисциплина значительно строже, что заставляет сотрудников более внимательно и вежливо обращаться с каждым клиентом. Источник — http://www.credit99.ru/.

21:11, 31.01.2013 г. — VestiRegion.ru

VestiRegion.ru → Публикации → Что может помешать получить кредит?

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