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Где нужно работать, чтобы легко взять кредит

Дата добавления: 25.04.2012 · Просмотров: [55322]


женские профессииКоммерческие банки имеют большое количество различных критериев, чтобы оценить потенциального заёмщика. Несмотря на то, скоринговая система это, или же живой кредитный офицер, профессия и место работы заёмщика играют очень важную роль при оценке рисков, когда банк принимает решение, выдавать кредит или нет.

Об этом, конечно же, знают многие, и некоторые даже на собственном опыте получали отказы, а кто-то слыша от друзей, о предпочтениях банкиров, а некоторые и сами работали в банках и знают эту систему. Однако, все эти значения только недавно решила систематизировать компания «Кредитмарт».

По исследованиям, основными фаворитами в банках стали государственные служащие, а вот предприниматели у банкиров успехом не пользуются. Чаще других могут получить в банке положительный ответ военнослужащие, врачи, учителя, а также остальные бюджетники. Такой факт объясняется тем, что люди, работающие в бюджетной организации, меньше предрасположены к частой смене своей работы, ведь у них всегда стабильная зарплата, хоть и не большая, и минимальный риск увольнения.

Терпимо банки относятся к программистам и бухгалтерам. Кредиторы считают, что эти профессии очень востребованы, и люди, работающие на таких должностях, редко остаются без работы. Сложно взять кредит наличными сотрудникам игорного бизнеса, так как если он уволится, то ему будет очень сложно найти подобную работу. «Индивидуальщиков» банкиры также недолюбливают, так как они могут всю документацию по отчётности заполнять самостоятельно. А чтобы проверить такую информацию, необходимо много времени.

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