As in just about any nation that is developed, the main standard for receiving financing is the ability to pay back the debt. Standards comprise:
- How much you would like to borrow
- Your home standing
- Your credit score and history
- Guarantor(s), if accessible
Contact the banks to arrange interviews. If you want, it’s possible for you to make an official loans application with an interview.
As is the situation in every state I am conscious of, a current immigrant generally find it almost impossible to get credit till they’ve created a history of steady employment as well as an important bank account. Expertise’s with applications to get a credit card seem to fluctuate extensively finish even between divisions of the exact same bank, between banks.
Should you be self-employed, it is likely that you do not have a regular income. Nevertheless, it might be that you’re self-employed and have just been resident in Finland for a rather small amount of time!
Basically, there is a regular income and for those who happen to be in Finland long enough to set up a satisfactory credit history, you shouldn’t have any problem finding a bank card. The standard income facet goes quite a distance to making you a workable threat, and long term residency does not damage either. Nevertheless, having a substantial sum of money in the financial institution won’t automatically ensure acceptance for credit. All it is possible to do is request.
The deposit will probably be three times the sum of the credit limit which is why you’re applying, and is going to be held by the financial institution to get an interval of 3 years. In case you pay your invoices when they’re due for this span the bank can return your down payment, and seemingly subsequently considers you a safe bet.