How and where can you get a loan without work experience? Mortgage with a minimum work experience How to get a loan if you have a month of work experience

10.02.2022

Many banks include in the list of requirements for the borrower that the borrower has a certain work experience. If we are talking about credit card or small consumer credit, then 3 months of continuous operation is usually sufficient.

If necessary, obtain large loan a potential creditor often wants to see the last entry in the work book lasting at least 6 months, or even a year.

At the same time, in order to attract more clients, some credit institutions provide the opportunity to take out a loan without work experience. The only question is to what extent the conditions will be beneficial for the borrower.

Conditions for providing a loan without experience

Today, almost any adult who has no problems with the law can apply for a loan. The easiest way is to take out a loan. They are the most loyal to borrowers and are ready to lend even to students, people without work experience, etc.

You can get money by presenting only your passport. But the terms of such lending are not very attractive. The average interest rate is 2% per day and a maximum of RUB 30,000. As a result, the borrower needs to repay the lender in a short time, overpaying a considerable amount of interest.

Not every bank can get a cash loan without work experience. The spread of interest rates is large: from 19% to 30% and above. Maximum term on average from 6 months to 3 years. Some banks declare a much longer period, but, as a rule, to obtain such a loan you must meet high requirements.

Where to get a cash loan without experience

Below are some banks where you can get a loan without work experience:

Bank	Loan amount	Interest rate	Loan term, months	Special conditions
Russian standard	30000-299000	up to 29.84	12-36	The rate is determined in individually. In addition to your passport, you must present an additional document
Home loan	30000-50000	19,99	12-60	In addition to your passport, you must present an additional document. More favorable conditions for existing bank clients
Moscow Credit Bank	500000-2000000	up to 29.5	6-180	After the loan is issued, you can get a rate reduction
Primsotsbank	30000-200000	from 19.9	6-60	You can get a loan to pay off debt from another bank
Uralsib	50000-1000000	19-25	13-84	The bank offers more favorable conditions when concluding an insurance contract

The above list is not complete. The easiest way to find loans is in Moscow , since the capital has the largest number of credit institutions. At the same time, small local banks operate in the regions, which are ready to soften their requirements to increase customer flow.

In 2017, it is likely that new offers will appear on the market for clients who cannot confirm their employment with an entry in the work book.

Even if the bank declares the presentation of only a passport, it may request other documents that will attest financial situation borrower. On maximum amount As a rule, persons with a positive credit history, no current loan obligations and who have previously taken out loans from this bank can count on them and have successfully repaid them.

Disadvantages of loans without work experience

The following disadvantages can be mentioned: increased interest rate And limited period. In addition, in order to receive funds you often have to incur additional costs, for example, issuing a life and health insurance contract.

Based on personal experience, most citizens of the Russian Federation can say that a certain work experience is required in order to qualify for a loan from any bank. It is not so easy for a modern person to do without additional financing. Many people want to be able to make repairs, go on vacation, or buy something at a certain point, and not in a couple of months. Each of these people is trying to figure out how long they need to work in one place in order to take out a loan. Let's figure out how work experience can affect the likelihood of loan approval, and what additional features It is worth paying attention to the borrower who has applied to VTB 24 or another bank.

The information contained in the work book is of great importance for bank employees. By taking it into account, they will be able to easily understand who they will have to deal with and what risks may arise as a result of cooperation. Therefore, an application for loan approval at Rosselkhozbank, as elsewhere, can be considered from several minutes to several days. Where the client worked, how long he worked, how much money he received - all this is important to take into account before applying for a loan, as well as credit history.

An applicant for a loan should remember that extensive work experience is not always required in order for a loan to be approved by Sberbank or another financial institution. The significance of this factor is largely determined by the policy of the management of the financial institution. Most often, you need six months of work in one place and about 12 months of total experience over the past five years. But if the client uses a plastic salary card from the bank chosen to receive the loan, according to at least the last 3 months, then this will serve as a good advantage in favor of those wishing to apply for a loan.

Please note. In the case of pensioners and owners plastic cards, the length of service at your last job in most cases should be more than 6 months. However, the management of different financial institutions has its own position, developing individual rules for issuing loans. Those who provide additional documents may be lucky enough to receive the desired amount with the most favorable conditions repayment.

Factors influencing the likelihood of loan approval

Frequent changes of place of work, as well as long breaks, can lead to the manager at Post Bank refusing a loan, especially if it is a mortgage. They won't even be counted recent months permanent work and income of the person who wishes to apply for a loan. But these are rare cases, since lenders themselves are interested in having more clients.

For those who want to attract additional funds To solve one of your everyday problems, the easiest way is to take a survey online. To do this, you need to visit the lender’s website, where you indicate your personal data, including the phone number to which a message will be sent indicating whether the application is approved or not.

Indicating the place of work, the salary, and also answering several mandatory questions, the client will have access to a list of ready-made products, including those from Gazprombank, on the terms of which the loan will be given to him.

Important. Most likely the most important factor, influencing the decision on a loan is the total work experience. If it has been several years over the past 5 years, then the verdict will most likely be positive. But when the person wishing to apply for a loan only returned from maternity leave six months ago or managed to work in a new place for 6 months after a long break, the likelihood of the loan being issued will be low.

Confirmation of work experience

The conditions requiring work experience, although different in individual banks, provide for official confirmation of income. In this regard, the borrower is required to present a document. This may be an original or a certified copy of a work book, income certificate, and other papers.

Important. You should never falsify certificates that are given to the manager, including to confirm income. Such cases are associated with the desire to obtain a larger loan. However, this step may lead to the client being blacklisted, and he will not be able to take out a loan for a car or get a mortgage in the near future.

Do not think that you will be able to deceive the consultant in bank branch. All data is checked by the system and security service. There are a huge number of methods that can identify a fraudster. Even if the client is not one, it is better for him not to take risks, but to correctly indicate where he works and how much he earns, even if the profit is unofficial.

Conclusions

In order to get a loan from a bank, you need to have at least a minimum work experience. Under the terms of most products from the country's leading residential lenders, it is three months or more. Quite often, these criteria can be more stringent and also provide for the collection of additional papers. By the way, different rules apply.

When deciding to issue a mortgage loan, the bank checks the information provided by the borrower. The first thing people pay attention to is employment. Namely: length of service, position and salary. Moreover, the motto “the more the better” does not always work here.

Total work experience

How long must you work for a bank to approve a mortgage? Each bank sets the required minimum for itself. That is, the required minimums may vary from bank to bank. But still there are some general provisions. For example, if the borrower’s total work experience is less than one year, the bank will most likely consider him unreliable and will either refuse to issue a loan or issue it at a higher interest rate.

But work experience is not considered in itself, in isolation from position and salary. If the work experience of a potential borrower is close to minimal, then the bank will focus on his salary. If monthly loan payments exceed half of the borrower’s monthly income, he will be denied a mortgage.

But also the reason for refusal with a short work experience may be too high a position and an implausibly high salary. In a situation where the borrower just graduated from university and immediately came to work commercial director with a salary of 450,000 rubles, the bank is also very likely to refuse to issue a loan.

If the work experience is quite long (over three or five years - each bank has its own figure), then continuity of experience and dynamics play a role here. career growth and duration of work in last place. Long breaks in work experience are a definite disadvantage for a potential borrower. Since they mean that the borrower either worked at this time without an employment contract, or went “nowhere” from his previous job and looked for a new one for a long time. This is an indirect confirmation of the borrower’s unreliability.

Banks also pay attention to the frequency of job changes. It is very important how the position changes. If a move to another position is usually associated with an increase in salary, then this indicates a move up the career ladder and characterizes the borrower positively.

If changes in jobs regularly occur within the same position (or related positions) and are not accompanied by growth wages, then the potential borrower is suspicious. It seems that for some reason he does not stay in one place for a long time, which means that there is a possibility that he will soon leave his current place of work, and not necessarily for a higher salary.

These are the main nuances that a person who wants to get a mortgage should take into account. But this does not mean at all that a person who has changed five jobs with approximately the same salary in three years will necessarily be denied a loan. Firstly, the decision is made by a bank employee, so the human factor cannot be ruled out. And, secondly, each bank has its own minimum requirements.

Length of work at last place of employment

If the standard requirement for total work experience is one year, then you must work in your current place for at least six months. Most banks adhere to this standard. But there are exceptions to every rule. There are banks that require less experience in one place, but pay attention to other details.

DeltaCredit Bank standards only require that the potential borrower be hired at the last place of work, and not be on a probationary period. At the same time, work experience in this field must be at least one year.
AHML standards do not impose requirements for general length of service, but the period of work in the current place must be at least six months. That is, according to such standards, a borrower can get a mortgage even if his entire work experience is only six months, but he worked all of them at one enterprise.
The period of work at the current workplace is 4 months, then you can apply for a mortgage at Alfa-Bank, SOYUZ Bank or Promsvyazbank, but only the total work experience must be at least 1 year.

Also, the completed probationary period at the last place of work is enough to apply for a mortgage from the Bank for Reconstruction and Development or VTB 24. With two years of total experience, you can apply to UniCredit or the Bank of Moscow. Rosselkhozbank is somewhat more loyal - it only needs to have completed a probationary period at the current place of work and six months of total work experience. If the borrower has just started working, but has already passed the probationary period, then he can try to apply for a mortgage from SKB-Bank. And Otkritie Bank agrees to one month of work at the current place with a total experience of one year.

The requirements of banks are varied, and with almost any length of service you can find a bank that will agree to issue a loan. If you present bank requests in table form, it will look like this:

Credit organization	Total experience, minimum period indicated	Minimum length of service at current place of employment	Minimum mortgage interest rate
DeltaCredit	1 year during which the scope of activity did not change	At least 3 months	9,75%
AHML	6 months	6 months	9,5%
Alfa-Bank	1 year	4 months	9,29%
SOYUZ Bank	1 year	4 months	8,5%
Promsvyazbank	1 year	4 months	9,2%
Bank for Reconstruction and Development	1 year	3 months	9,75%
VTB 24	1 year	3 months	9,5%
UniCredit	2 years	3 months	10,5%
Bank of Moscow	2 years	3 months	10,25%
Rosselkhozbank	6 months	3 months	9,3%
SKB-Bank	3 months	3 months	12%
Bank Otkritie	1 year	1 month	9,35%

As can be seen from the table, banks are quite loyal to individuals who are employed. The requirements for business owners and individual entrepreneurs are stricter.

Saving up to buy real estate is quite difficult and for many families almost impossible. Therefore, mortgages have become one of the quick solutions to this pressing issue.

To be guaranteed to obtain a mortgage without problems, you must have a regular income, a good credit history and meet additional requirements jar.

When applying for a loan, many questions always arise:

which bank to choose;
what length of work experience and income is needed to obtain a mortgage;
what is possible to purchase with a mortgage.

Is experience required to get a mortgage?

All financial institutions Their borrowers are required to have official work and work experience (general and last place). A stable place of work provides confidence to the bank regarding the return credit funds, insures against possible non-returns.

Most lending institutions consider a mortgage when the borrower works for six months or more in one place and receives a stable income. Confirmation of the borrower's experience is:

a copy of the work book, which is duly certified;
copies employment contracts(completed and active), also certified.

HR department employees do not have the right to refuse to issue one or more copies of the work record book. All records and seals in the copy must be visible and readable.

But you need to remember that a loan may be refused if the borrower:

frequent layoffs;
short period of work in different places;
there were violations of the labor code;
long breaks between jobs;
at the time of consideration of the application, he became unemployed, even having sufficient experience up to that point.

If the experience is less than a year?

Most banking institutions are not ready to work according to mortgage program with borrowers who have a total experience of less than a year.

But, as with everything, exceptions are possible. Thus, CREDIT BANK OF MOSCOW provides a young family with the opportunity to purchase any home in the absence of requirements for a certain work experience. True, the choice of objects is limited to the city of Moscow and the Moscow region. A mortgage with 8 months of experience is possible, but the choice of organizations and mortgage conditions will be limited.

Life situations are varied, and therefore the conditions in each financial organization are different and individual in each individual case.

Having only a month of work experience, it is unlikely that you will be able to get a mortgage.

If the applicant has a total of 1 year or more experience, and 1 month in one place (even taking into account the probationary period), then it is possible to apply to PJSC VTB Bank of Moscow, PJSC BINBANK. Issues a mortgage if the entry in the work book is dated a month ago and UniCreditBank JSC, but if the work experience is two or more years.

An application for a mortgage with a work experience of 2 months in these banks will also be considered and, subject to compliance with other conditions, can be satisfied.

It is no less problematic to take out a mortgage with an experience of at least 3 months, if the total experience is less than a year and the salary at the new place of work is lower. But the number of banks working with such clients is larger:

VTB 24 and Moscow Bank for Reconstruction and Development (after the end of the probationary period and with at least a year of experience);
Bank of Moscow and UniCreditBank (with 24 months of experience);
Rosselkhozbank (6 months of total experience);
SKB-Bank (the most best conditions for the borrower - experience in one place and total are equal to three months).

AbsolutBank will also help in resolving the issue of purchasing a home: according to their requirements, it is enough to work for 3 months after changing jobs.

Work experience at your last place of work of 4 months, subject to a total of a year or more, will allow you to take out a mortgage loan from Alfa-Bank, SOYUZ Bank or Promsvyazbank.

Continuous work experience is directly related to stable income, and its presence increases the chances of receiving a mortgage loan. The longer the experience, the greater the likelihood of a positive response from the financial institution.

The table shows that there are no banks in which 6 months of experience are not required. And this is justified. The amount of mortgage loans is always high, and the number of scammers in the real estate market is not decreasing. The bank strives to protect itself as much as possible from dishonest clients. But despite everything, banks quite often meet halfway. So, if you don’t have six months of experience in one place, you can take a certificate from a new place and add a certificate from your previous job to it. Some banks may be satisfied with this situation.

In demand banking programs with the required minimum borrower experience

Bank name	Program	Experience: months overall / in last place	#colspan#
"BINBANK"	Apartment in a new building of AHML Apartment on the secondary market / AHML apartments; Room or share	12	1
"BINBANK"	Mortgage Binbank	12	4
"Promsvyazbank"	Secondary market	12	4
Alfa Bank	Finished housingHousing under construction	12	4
"VTB Bank of Moscow"	Secondary market. Two documents	12	1
"Moscow Credit Bank"	Two documents	6	3
Tinkoff Bank	Secondary market	12	3
Tinkoff Bank	Primary market	12	3
"Sberbank of Russia"	Promotion for new buildings	1 year within the last 5 years	6
"FC Otkritie"	Apartment	12	3
"Gazprombank"	Primary marketSecondary marketSpecial affiliate programs	12	6
"DeltaCredit"	Mortgage for an apartment on the secondary market or a share of 8.75%	12	6
Rosselkhozbank	1) Apartments and apartments on primary and secondary markets 2) Residential building with land plot(including townhouse)Land	1 year within the last 5 years Salary clients: from 6 months. over the past 5 years	6 3
"UniCredit Bank"	Loan for an apartment	24	3

If you have no experience, there is the “Two Documents” program

If it is impossible to document the existence of experience or it is absent altogether, then you can take out a mortgage under the “two documents” program. Many banks operate under such a program and all have one thing in common - the availability of funds for down payment at least 35%, or even 40-50% of the cost of the purchased housing. According to the terms of this program, you can present your passport and another document to the bank ( driver's license, SNILS card), and that’s enough. But in reality, the financial institution will in any case check the applicant and check all possible data with the employer specified in the application form. Despite the apparent simplicity of the difficulties, obtaining a mortgage under such a program can be a way out of the situation.

Banks will certainly offer more stringent lending conditions to borrowers with minimal work experience:

increased interest rate;
shorter period for debt repayment;
issue a loan amount less than specified in the application;
require additional collateral for the loan.

Even if you have sufficient experience, the client’s profession (how quickly he can find a new job if necessary) will play a big role in making a decision on a loan.

A mortgage is the fastest and easiest way to purchase personal housing for many families in Russia. Stable income, positive credit history and compliance with bank requirements are the main conditions mortgage lending without problems or refusal. Next, we’ll take a closer look at what you need to take out a mortgage in 2020.

Requirements for the borrower

Mortgages from banks Russian Federation in the vast majority of cases can only be obtained by a citizen of the country, although some are commercial financial- credit organizations are ready to provide foreigners with this opportunity. Great value has a residence permit or registration of the borrower in the bank's region.

Sberbank and any other commercial bank does not issue mortgage loans to persons under 21 years of age, the maximum age for obtaining a loan is 55 years for women, 60-65 years for men. The greatest weight in making a positive decision regarding a borrower is his stable income.

Stable income

The most important criterion, the confirmation of which means for the bank that the borrower has enough income to repay regular payments on time. What features are clear advantages in the eyes of the bank:

Official work on the basis of an employment contract.
Work experience at the same and last place of work for 1-3 years. In order to take out a mortgage, you need to work in your last job for at least six months, but long work experience and the absence of “runaways” significantly increase the chances of a positive answer.
Being married provided that the spouse works.
Higher education.

How much do you need to earn to get a mortgage loan? Minimum size monthly salary should be twice the amount of upcoming payments. Some credit programs offer more favorable conditions and take into account the total income of all family members, for example, programs for young families evaluate the joint income of newlyweds and their parents, who are needed as guarantors.

Credit history

A credit history assessment is an important step that is carried out by the bank to respond to a mortgage application. A positive credit history significantly increases the borrower’s chances of getting a loan, which cannot be said about a negative assessment. In addition, the bank may refuse to issue a loan to those persons who do not have a credit history.

Pay attention! You should not be upset by small delays in past payments; in many cases, banks accommodate the client halfway; moreover, the borrower can justify himself by presenting to the new lender evidence of his innocence in late payments - a valid reason could be forced dismissal from work as a result of layoffs or illness .

Liquid collateral real estate

What do you need to know about mortgages when applying for a loan secured by real estate? As collateral, credit institutions prefer apartments in good condition; they should not be located in old ones, much less emergency houses, as well as in houses that are historical and architectural monuments. Liquid collateral real estate is considered to be houses standing on empty plots of land.

Is a property appraisal required as collateral? Definitely needed The liquidity assessment determines the speed of sale and the value of the property, therefore the report indicates not only the collateral value of the apartment, but also the market price.

Procedure

The very first steps are to assess your financial capabilities, choose a specific bank, and determine the requirements for a new home. Next, you should familiarize yourself in detail with the terms of the mortgage loan.

Loan application

The loan application is filled out at the bank office, the borrower must first take care of providing along with the application for a mortgage loan required package documents, the basis of which is personal documents, as well as official papers confirming the income of the future payer and confirming ownership of the pledged object.

Many banks are considering loan application on a paid basis, the result of the decision made is announced to the borrower after a few days, in rare cases weeks. The bank provides the credited person with a form containing the conditions mortgage agreement, validity period this decision. The bank’s positive decision lasts for 3-6 months, so you need to use it during this period.

Choosing housing and its design

A mortgage loan cools the borrower's ardor, a loan narrows the scope of choice - not every seller agrees to sell real estate according to the mortgage principle. Large development companies offer their clients mortgage terms, however, they prefer to cooperate with selected banks. Banks, on the contrary, will refuse to issue a loan for the purchase of housing from construction company with a dubious reputation.

By selecting best option, the borrower enters into a contract with the seller loan agreement. The contract obliges the buyer to pledge the purchased property to the bank within a few weeks after the transaction is concluded.

Home insurance

After purchasing a home and receiving documents on ownership, the borrower must complete next condition, but not the bank, but the mortgage law. The owner must insure the property against damage and risk of loss.

The policy of the insurance company is that the assessment of the object depends on the degree of probability of the occurrence of possible risks. The insurer can either increase the amount of premiums, having considered all the details relating to the home, or refuse to insure it at all.

Beneficiary of insurance collateral real estate The bank itself acts, that is, all insurance payments of the client are intended for it.

Pay attention! Except compulsory insurance immovable object, the bank can persistently offer the client life insurance and ownership of collateral housing. Such actions are not legal.

Transfer of housing as collateral to the bank

The last stage is the execution of a pledge agreement in the form of the bank. The agreement is registered at the state level and comes into force only after registration. Rosreestr makes a note in the database about encumbering an apartment or private house with collateral.

Required documents

For an individual

Collection necessary documentation begins with documents confirming the identity of the borrower, this category includes:

Passport of a citizen of the Russian Federation.
The second document to choose from is an international passport, driver’s license, military ID, pension certificate, TIN, spouse’s passport, and so on.

Although many mortgage programs are designed for people over 21 years old, in fact, banks are in no hurry to issue amounts of this size to persons under 25 years of age; young people who have not served in the army may also not receive the bank’s trust.

To apply for a mortgage, you must provide the bank with documents confirming your solvency:

A copy of the work record, certified by the employer.
A copy of the employment contract.
Correction of the borrower's income in form 2-NDFL, alternatively - a certificate in the form of the bank.
A copy of the tax return in form 3-NDFL, if the client last year had additional income, not related to wages.
Copies of the certificate of ownership of expensive property or securities, if the client is the owner of movable and immovable objects.
Documents confirming that the borrower has deposits and additional accounts in Russian banks.
Bank account statement form.
A certificate with account details based on a bank example.

In some cases, the lender bank may require the borrower to provide a list additional documents and information. What certificates are required by the bank:

Certificate of registration in form No. 9.
Copies of passports of relatives living with the client in the same living space.
Copies of pension certificates and certificates from Pension Fund RF about the amount of pension if there are pensioners in the family.
Certificates about the client’s health status from drug treatment and psychoneurological dispensaries.
Documents confirming the borrower’s credit history, if the client has already taken out loans in the past.
Characteristics from the place of work.

For an individual entrepreneur

Design mortgage loan individual entrepreneur somewhat more difficult than to an individual. To ensure that there are no problems with obtaining a loan to purchase housing, The individual entrepreneur must submit a package of documents to the bank, which includes official papers such as:

Single tax return for the last year entrepreneurial activity if the individual entrepreneur operates under a simplified taxation system. If single tax is paid on UTII - imputed income, then the bank will require tax return over the past two years.
Tax returns by personal income tax form for the last tax period, if the individual entrepreneur works according to general regime taxation.
Extract from the Unified State Register of Individual Entrepreneurs.
TIN and OGRN.
A copy of the license, provided that the entrepreneur conducts activities that are subject to mandatory licensing.

Documents for the purchased property

The borrower must submit to the bank not only personal documents and documents confirming the presence of a stable income, but also papers for the purchased property, be it an apartment, private house or participation in shared construction.

What is needed for a mortgage on an apartment, the main requirements of financial and credit organizations:

Documents confirming ownership. These include contracts of purchase and sale, donation, privatization, and inheritance.
A certificate stating that no one is registered or living in the purchased apartment. The certificate can be obtained from the Housing Office or passport office. Please note that the document has a certain validity period.
A copy of the cadastral passport of the apartment. You can obtain the document from the BTI.
Documents of former property owners.

Pay attention! If the sale of an apartment to a borrower affects the interests of minor children, then permission from the guardianship authorities will be required.

The documents for the house being purchased under the mortgage lending program are similar to the package of official papers for an apartment. In addition to the above, the borrower undertakes to provide the bank with the following documents:

A copy of the technical passport.
Cadastral passport of the plot.
Extract from the real estate cadastre for the house.
Extract from the Unified State Register.
Results of independent assessment.

If the borrower applies for a mortgage loan to participate in shared construction, the package of documents will include:

Agreement on participation in shared construction. For a positive decision, the developer must have accreditation from this bank.
Sales documents legal entity property to the bank client, containing information about the cost of the acquired share and its technical characteristics.

If the bank has not previously cooperated with the developer, the borrower must provide documents for the construction company: constituent papers, registration certificate, tax registration certificate, documents confirming the developer’s rights to sell the real estate.

For participants of special programs

Many bathhouses offer their clients participation in special mortgage programs with favorable conditions. The most common programs include Maternity Capital and Military mortgage.

For maternity capital

To participate in the Maternity Capital mortgage program, the borrower provides the bank with the usual package of documents, attaching a certificate for receiving maternity capital.

Some constituent entities of the Russian Federation take part in this program and provide families with similar support at the birth of their second and subsequent children.

Regional certificates for receiving money according to maternity capital should also be attached to other documents.

For military mortgage

Participants in the Military Mortgage program provide the bank with a standard set of documents, complement it:

A copy of a document confirming the borrower’s membership in the Accumulative - mortgage system(NIS) and its right to receive a loan.
Detailed borrower profile.
Consent of the second spouse to purchase real estate with a mortgage.

Mortgage under two documents

Some banks offer a mortgage loan with just two documents - passport and a second one of the borrower’s choice. In most cases, attractive conditions are available only to participants salary projects, since the bank already has sufficient information about the income of such clients, financial stability and the reliability of the company for which the borrower works.

Obtaining a mortgage is a labor-intensive and lengthy process, but with the correct submission of documents and the subsequent decision of the bank in favor of the borrower, the acquisition of residential real estate becomes a resolved issue.