Самый низкий уровень одобрения кредитов приходится на заявки от детективов, охранников и строителей.

Банки не доверяют людям творческих профессий

04.06.2013 07:41 728 0

Самыми надежными заемщиками банки считают госслужащих, а самыми ненадежными — охранников и журналистов.

Самыми надежными заемщиками российские банки считают госслужащих, военных и преподавателей. Этим категориям физлиц банки чаще всего одобряют кредитные заявки. По данным бюро кредитных историй «Эквифакс», процент отказов госслужащим, военным, преподавателям и финансистам не превышает 30-36% от общего числа заявок, сообщает klerk.ru.

Самый низкий уровень одобрения кредитов приходится на заявки от детективов, охранников и строителей: процент отказов превышает 55% от общего числа заявок. Также банки не доверяют людям творческих профессий - журналистам, писателям. Им выдаются кредиты только в 53-58% случаев.

Банки внимательно относятся к области профессиональной деятельности потенциального заемщика, но в первую очередь обращают внимание на его кредитную историю, насколько качественно он выполнял свои обязательства ранее, уточняет генеральный директор бюро кредитных историй «Эквифакс» Олег Лагуткин. По его словам, именно хорошая кредитная история во многом помогает людям «нежелательных» профессий стать желанным клиентом для банка.

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