etukäteiskysely
Etukäteiskysely, also known as a pre-approval or pre-qualification, is a process used by financial institutions to assess a potential borrower's creditworthiness before they apply for a loan. This process helps lenders determine the likelihood of a borrower repaying the loan and the amount they can afford to borrow. It is commonly used for mortgages, car loans, and personal loans.
The pre-approval process typically involves the following steps:
1. Gathering of financial information: The borrower provides the lender with their income, employment history, credit
2. Credit check: The lender reviews the borrower's credit report to assess their credit history and score.
3. Loan amount determination: Based on the borrower's financial information and creditworthiness, the lender determines the
4. Pre-approval letter: The lender issues a pre-approval letter to the borrower, outlining the loan amount, interest
Pre-approval is not a guarantee of a loan, but it does indicate that the lender is willing
Pre-approval is particularly useful for borrowers who are in the process of purchasing a home, car, or