Most of the borrowers believe the main factor that affects the Bank decision on granting a mortgage loan is the level of solvency of the client. However, the banks deny a loan for the borrower’s profession.
Here is a "blacklist" of the borrower’s profession:
- Workers without skills. For example, porters, janitors, cleaners.
- State institution employees.
- Military. The negative bank attitude is associated with frequent travels, residence changes.
- Professions associated with agriculture.
- The individual entrepreneurs.
- Private guards. Their work is connected with risk for life and health of a person.
- Builders. The negative attitude of banks is associated with Piece-rate wages, fixed-term agreements.
- Drivers. The negative attitude of banks is associated with the low income and incentive wages. There are risks to life and health.
And a "whitelist" of the borrower’s profession:
- The Bank employees.
- State Corporation and large company representatives. The positive attitude of the banks associated with their financial stability and high income.
- Well-known personalities and show business representatives: these clients advertise banks.
- International and foreign corporation staff.
- Financial, leasing and investment company staff.
- Education and health sector workers and other professions with the Federal budget state funding.