Complaints & Reviews — Toluna

Mortgage loan

Hello, you would like to share your experience with IT Banka's mortgage loan process . 06.2019 I applied to IT Banka for an application for a mortgage loan for the completion of the construction of a residential house. Rudutė, an employee of the bank, was responsive and compiled a list of the necessary documents for me. It took a valuation of the new building, which cost 120ls, and its registration in the land register, as well as the inventory... met to pay more than 150ls, so I will continue to carry out the construction work. Having a construction company, you also needed to compile a special theme with a list of the required building materials and the stages of receiving the money. I prepare and submit all documents. After a couple of weeks, despite the fact that the bank's representative in Rudite promised a positive response from the bank, I received an application based on the fact that I had changed jobs a couple of months ago (the bank knew this already when I wrote the application) and I have not worked in the current job for half a year yet... The bank representative said that the application should be written when I had worked in this job for half a year and I offer in addition to my 30% own investment then the loan will be guaranteed to me... I had been working for more than six months in my current job for more than six months. The average salary for obtaining a loan at the bank's requirements was sufficient. Then on 12.2019 I went to IT Banka to write the application again. According to the site of the respondent credit specialist Rudutė, Antra Gudića (terrible case) was sitting, because all the documents were left in the bank, thinking that I would write only a repeated application and all Antra says that the theme I compiled is not in her mind and it needs to be compiled in a table like this and there would be another table where my own contribution would be shown to everyone...The fact that I told her that I was saved for the construction work that I had already done because I am a private person and I did not save the checks and that their new development is valued where it is clear its value that I have invested in it. He is not interested in him. Said need and everything. Claim for extra money or will be necessary to which he replied that it would not be necessary because the salary is good and the own contribution is sufficient... When all the tables were contacted It was in the required formats and the checkers were shipped awaiting a response for three weeks. Then Antra also called, announcing that the loan application had been rejected. To my questions, why rejected his answer that it revered the decision of the customs and without giving a reason. Then I was angry about the bank's actions that do not say why it is refusing a loan and decided to turn to the second direct chairman, Richard IT Banka. However, Richard revealed that in order to obtain a loan for the construction period, he needed an additional loan and also a topic compiled by a construction company. I paid the construction company for compiling the topic for 200 USD. I negotiated an additional deposit for which I would evaluate the value for 120 USD at the request of the bank. The assessment covered twice the loan issued by IT Banka. Then again, I wrote an application for a loan from Second. Of course, even the statement made by the construction company would not be correct and would have to be corrected. When the Second Gudaez was still mad and was confident that the loan would be approved then We promise a maximum of ten business days per week until we receive an answer. And again IT Banka's Glendale specialists had decided to do me a disservice when I asked what was the reason then. so that it can be put into operation. If you had asked for 50, 000 dollars, you would probably have given up, but you would still want to go to the office! I WOULD LIKE TO THANK IT Bank FOR THE LONG-TERM LENGTH OF MY OCCASION AND DEDICATED ME DUE TO THE LATVES WHICH WERE NEEDED FOR ALL THE DOCUMENTS AND SOURCES. IF YOU WANT TO TAKE A CREDIT, YOU WOULD NOT RECOMMEND THIS TO DO AT IT Bank WHERE YOU WILL SAY IT WITH A SMILE FACE, EVERYTHING YOU NEED THE FOLLOWING DOCUMENTS...