QUESTION: Почему много заявок на кредит ухудшают шансы на одобрение? (Translation)

Multiple loan applications can indeed significantly worsen your chances of approval in the future. When you apply to several banks simultaneously, each of them sends an inquiry to the credit bureau. Every such inquiry is recorded in your credit history, which in itself begins to attract the attention of bank security algorithms.

Financial institutions view mass applications with suspicion. The bank may think that the borrower is facing sudden and severe financial difficulties, urgently needs money from various sources, or has already been rejected elsewhere. This situation lowers your reliability rating and increases the risk of another rejection, even if you have a good official income and a stable job.

To avoid such problems, it is recommended to carefully plan the lending process in advance. Instead of chaotically sending applications to every bank in a row, study market conditions and choose one or a maximum of two most suitable offers. Such a balanced strategy will keep your credit rating safe and increase the likelihood of successful loan approval on favorable terms.