Borrower Types – Loans are popular today, and if this topic is considered from the point of view of clients of credit institutions from different angles, then the other side is not so brightly covered. Some Borrower Types.
What’s good and what’s bad?
Today, there are many offers on the market from banks and microfinance organizations, which in real time form a wide variety of offers – promotional offers appear, rates for credit products and their quality are adjusted, in which it seems that the consumer can drown. This development strategy is bearing fruit. And according to statistics, about a quarter of Russians had experience in using loans. If we make an age cut, then among those who positively rated the use of loans, people of a younger age prevail, about 28-30 years. The older generation is distrustful of loans. You need to understand that the negative comes from an incorrect assessment of your strengths and capabilities.
Credit popularity has been growing for several years in a row. At the same time, it seems that all the benefits of life become available. This is not true. For example, investing in training would be a great solution, despite the medium and long term payback. Buying jewelry with this money is unlikely to be the best solution. It should be borne in mind that the pleasant sensations of acquiring a new thing pass much faster than you need to pay interest on a loan.
Good and bad borrowers
Credit institutions have a very definite opinion on the classification of clients into good and bad borrowers. Consider the example of microfinance organizations, because they have a lot of experience in this due to the need to quickly assess the client and make a decision, as well as a large flow of clients.
So, ordinary fraudsters can be classified as bad borrowers, who take loans in different places, sometimes using other people’s details, of course, not intending to return anything. Much more common is the frivolous type of people who need quick money , but at the same time they do not think about paying back their debt, living only in the present tense. If we try to create a collective image of a bad borrower, then we can assume that this will be a person aged 20-35, without quality education and stable work. Possibly addiction to alcohol.
If a person behaves incorrectly
Having entered a credit organization, it is unlikely that he will be given what he wants. First, people get here in a state of alcoholic and drug intoxication. They are sieved immediately, in the first step. This also includes aggressive personalities. Naturally, these also immediately disappear. People with a strange appearance that do not inspire confidence in financial solvency also cause suspicion.
Let’s look at the avatar of a good borrower. At the same time, he does not think about overpayments, preferring to use the necessary services or goods as soon as possible. The average income is 30-40 thousand rubles. We can say that he lives beyond his means. Consider a different image – a young mother, also at the age of 25-30, who is on maternity leave. The main priority for her is the child, leads a measured lifestyle. In business, she is reasonable and responsible. They are calm people who lead a standard of living corresponding to their income, often make a positive impression and are pleasant to talk to. Try to be a very nice borrower and choose every single benefit from different loan. Good Luck !