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lX mR Do You need A Successful Loan Application? - The Times Hub

Do You need A Successful Loan Application?

True be told, a loan is inevitable. We are living in a world where the future is not guaranteed. For starters, there are no permanent jobs like before. Today you could be hired and begin earning a huge sum of cash, then the next minute, you are laid off. The same happens when there is a natural calamity such as floods; earthquakes no one is certain about the future.

At the point in case is the COVID-19 pandemic, which renders most unemployed due to its effect on the economy. No one knew the extent the virus would take and the major impacts on one’s health and economy.

That is why you need a financial partner who understands your needs and offer loans at an affordable rate, like this: robocash.ph/articles/sss-online-loan. However, not all the loan request you submit shall be accepted. There are certain things the lender check before the funds are approved. Bellow, we will you the 5Cs towards making your loan request successful. So, let’s jump right in! 

The 5 Cs of a successful loan request

1.  Capacity to repay the loan

Before your loan request is approved, financial institutions or lenders have to evaluate your profile. Through this, they can ascertain if you are a high-risk borrower or not. For this reason, they check your background information to see the level of education you have attained, work status, credit history and paying experience.

And that is not all; they even to the extent of checking your financial stability. If you have an unstable income, the loan request shall not be approved. But if you have a stable income and a higher earner, the loan application robocash.ph/articles/guide-to-gsis-loan shall be approved within minutes.         

2.  Condition of the industry

The state of the economy also determines if the loan application shall be approved or not. The rate of inflation plays a major role in your loan request. If there is high inflation, the lender will opt to give loans to those who can afford them. This is because you are considered high risk since you might fail to repay the loan with interest.

For example, if you are running a seasonal business and the rate of inflation has increased by 2%. They won’t approve the loan request because your business operates on a contract basis or season. They need a stable business and still meets their profit margin despite the state of the economy.

3.  Collateral of the debtor

For the lender to gain your trust and know you are committed to paying the funds after approval. They will require collateral which can be physical or non-physical. Physical collateral refers to assets such as your land, car, house or even valuable jewellery.

While non-physical collateral requires you to pay slightly higher than those with collaterals attached to their loans; however, before they accept the collateral in question, they investigate to ensure the asset is yours. There are no court cases concerning the same. Due diligence helps the lender have an easier time if they have to possess the asset when you default.        

4.  Credit source

Starting a business is not a walk in the park; therefore, if you seek financial help, be ready to provide your business plan. The lender always checks the plan to understand what the business is all about and sustain the loan in question.

They can tell if you are a responsible entrepreneur through the document when it comes to managing your finances or debts. To prove this, they look at and evaluate your checks and balances. What are the profits and losses report?  What is the structure of capital? And the return on investment? These are some of the questions the lenders need an answer to before approving the business loan. 

5.  Character review and reference

Did you know your personality plays a critical role in your loan approval? Lenders no longer rely on your financial records but also your character. Therefore, they go through your personal data to see how you handle your finances and debt.

That is not all; they even check your family and educational background, hobbies and habits, work history and other references. This helps them to classify whether you are high or low risk. One would wonder how they check your personal data?

The organizations are moving to your social media account to know the kind of person you are. Thus if your loan request has been declined, it might be because of your social media accounts. So, make the necessary updates for it to look more formal and appealing. 

Final Word

It is normal for your loan application to be declined at some point. This could happen because of various reason, which might be known or not. However, if this happens, we recommend requesting a loan from robocash.ph/articles/eastwest-credit-card. The online lender has a 90% approval rate which is enough proof that your loan request shall be approved.

Besides its approval rate, the firm offers affordable loans at a low interest rate However, the interest rate depends on the amount you have requested. You can request funds between PHP 1,000 to PHP 25,000, and it is approved with minutes.   

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