If you are going to apply for a loan, you certainly know that you will have to return a file.
This file will determine whether your loan application will be accepted or not.
If your file is complete, you will receive an answer very quickly. On the other hand, the more incomplete your file, the longer it will take to get your answer. Indeed, we will have to contact you in order to receive all the information and the papers that we need. The collection of this information can be long so it is better to be prepared. So, how to have a concrete file?
The first thing to think about when applying for a loan is your financial profile.
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Firstly, be aware that in Belgium one of the conditions to be eligible for a loan applicationis not to be stuck at the Dume Bank. You had a late payment of an old credit, a difficulty prevented you from repaying in time? In our country, the data of people who have not paid back their credits are kept for 12 months after regularizing their situation. You must be in order for at least 1 year to be able to reapply for a loan. On the other hand, if you have had several troubles and you have not been able to repay your debt for 1 year, you will be stuck for 10 years at the Dume Bank. It is therefore important to keep your debts under control and manage your finances well. To give even more confidence, avoid as much as possible overdrafts. Whether you have a large income or a lower wage, show that you know how to save.loan application be accepted.
In summary, our tips for optimizing your loan application file:
- Do not be stuck
- Have a reassuring financial behavior
- Show your ability to save
- Show your seriousness and realism in relation to your personal situation
With our advice, do you feel ready to go? Make us a loan application online without waiting. This request is free and without obligation. And if your file is well completed, we will give you an answer very quickly.