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But if you want to be on the safe side, be sure to keep the following in mind: Increase your down payment. To increase your down payment, review your budget and find savings. Consider additional sources of income. Consider selling or leasing assets you no longer need, such as real estate or a car.

This will allow you to create a larger down payment, which usa telegram number database may have a positive effect on the bank's decision. Attract solvent guarantors. Contact your relatives who can become guarantors. Approach this issue responsibly, explaining your plans to potential guarantors and assuring them of the reliability of this step.

Emphasize the stability of your financial situation, which will reduce the risks for guarantors. Get a longer mortgage term. If you need a longer loan term, justify your request to the bank. Explain the change in your financial situation or the need to reduce your monthly payments.

Compare different lending options and choose the one that fits your new financial strategies. Take a loan. If you are refused due to the lack of a credit history, then try to create one quickly. Let these be small loans, for example, for household appliances. In this case, you will demonstrate your creditworthiness.

However, if you often use the services of microfinance organizations, this may show you as a person with financial problems. Provide only truthful information. Despite the fact that this point among all the others looks naive, it is one of the most important. After all, only with reliable information will the bank be able to evaluate you as an able-bodied and solvent citizen.

It is important to understand that being rejected for a mortgage is not a disaster, but rather can be a new beginning. Re-applying for a mortgage opens up many opportunities to adjust your strategy, improve your financial situation, and achieve your desired goal.Chinese Chouzhou Bank Stopped Settlements with Russia: What Happened and Should We Panic? Expert Opinion Columns 08 February 2024 Oleg Svistovtsev Oleg Svistovtsev International investment consultant of the economic and technological zone YEDA Yesterday, the Chinese bank Chouzhou commercial bank notified clients of a complete cessation of settlements with Russia.