When choosing a bank to receive a loan, potential clients are guided primarily by the interest rate, since no one wants to overpay the extra rubles. Almost every bank is ready to lend money, but the conditions for all are significantly different.
Which bank to choose
Low interest rates on loans can only be afforded by large, financially stable banks. These include, for example, Sberbank of Russia, Gazprombank, VTB24. These organizations offer the lowest rates for all types of loans: mortgages, consumer loans, car loans and other types.
Sberbank of Russia is the leader in lending in Russia. This bank offers a wide variety of products and conditions. If a person is a participant in a salary project, that is, the employing organization transfers his earnings to the Sberbank card, then only a passport and a card are needed to apply for a loan. It is very convenient, the bank sees all the employee's income, which is the main confirmation of the client's reliability.
In the absence of a salary card, you will have to collect a more extended list of documents, at least - this is a copy of a work book and a certificate of earnings in the form of 2-NDFL.
Features of the formation of the interest rate on the loan
As a rule, it is impossible to know in advance the exact rate that the bank will offer. In promotions and in booklets, the interval "from and to" is indicated, and the minimum figure is, rather, a formal inviting character. The lowest rate is rarely approved by anyone, since they wind up hundredths of it on certain points.
When applying for a loan, carefully study the terms of the agreement, for this, read the entire document. Even the information that is written in small print.
Often behind low rates, additional conditions are hidden in the form of commissions, the absence of the possibility of early repayment and other factors unfavorable for the borrower.
If the organization in which you work transfers your salary to a bank card, then first of all it is more profitable to apply for a loan from a servicing bank. You can also try to reduce the percentage of the loan in certain cases.
Favorite bank
You can apply for a decrease in the rate if you are already a client of the bank to which you applied for a loan. If in this bank you use its other products: deposits, deposits, bank cards, then the credit institution can show loyalty to you and reduce the loan rate.
Credit history
It will be great if you have a good credit history. There is a single base where unscrupulous payers and debtors are brought in. When applying for a loan, the borrower is checked against this base. If you had problems with previous loans, you should not count on a low rate.
Privileges
You can apply for a decrease in interest if you belong to the privileged category of citizens. For example, a young family or a start-up entrepreneur can borrow money through special loan offers.
The more personal documents are submitted to the bank, the higher the likelihood of a reduced rate. An important role here is played by documents on the right of real estate, which can be pledged.
