VTB24 is one of the largest Russian banks. It offers a wide range of loan products - from mortgages to cash loans. You can assess your chances of getting a loan from VTB24 by examining the package of documents that the bank requests.
It is necessary
- - passport;
- - certificate 2-NDFL or certificate in the form of a bank;
- - a copy of the work book or employment contract;
- - documents on pledge;
- - other documents.
Instructions
Step 1
VTB24 offers four types of consumer loans - cash loans, non-earmarked mortgage loans, educational loans and refinancing. Under the classic cash lending program, you can get up to 1 million rubles. for up to 7 years. The interest rate will be from 20% per year. The borrower will need a passport of a citizen of the Russian Federation with registration at the location of the VTB24 office; documents confirming the sufficiency of income to repay the loan (certificate 2-NDFL or in the form of a bank); documents confirming the presence of permanent work and experience in the last place from 6 months (with a loan amount of 300 thousand rubles).
Step 2
If you need a large amount of cash, you can get it by taking out a loan secured by the existing real estate. The maximum loan amount reaches 75 million rubles. for up to 20 years. But the size of the loan will not exceed 60-70% of the value of the mortgaged real estate. The borrower can spend money at his own discretion. In addition to the standard package of documents. confirming income and employment, you will need to provide documents for the pledge. These are copies of title documents, a cadastral passport, an extract from a house book, an extract from a financial and personal account. If minors are registered in the apartment, it is necessary to obtain permission from the guardianship authorities to alienate the property.
Step 3
Those who want to get a business education at Skolkovo under the MBA and EMBA programs can take out a loan of up to 3.6 million rubles. with rates from 13 to 16%. No collateral is required for such a loan. You will need to confirm your work experience for at least a year (according to EMBA - at least 3 years), the amount of income for the last six months, as well as documents confirming the intended use of credit funds. The latter include a letter from Skolkovo about student enrollment; invoice for tuition fees; as well as confirmation of payment of the first installment.
Step 4
To refinance existing loans, the borrower must have an income of 10 thousand rubles. and have no delays. He will need a loan agreement from a third-party bank and a payment schedule, as well as a passport and income statement.
Step 5
VTB24 has four car loan programs - "AutoStandard", "Commercial Transport", "AutoLight" and "AutoExpress". They can be used to buy a new or used foreign car or a new domestic, as well as commercial vehicles. Programs differ among themselves in terms of lending and the speed of consideration of the application. Under the AutoLight and AutoExpress programs, you can apply for a loan using two documents (a passport and an additional one at the borrower's choice), proof of income is not required. In the latter case, you can get a loan without registering a CASCO. "Autostandard" and "Commercial Transport" assume the provision of a full package of documents, but provide an opportunity to get a loan with a reduced rate of 14% (from 20% for commercial vehicles).
Step 6
At VTB24, there is the possibility of obtaining a mortgage on two documents - a passport, a driver's license or a pension certificate (the initial payment must be at least 35%). But you will have to pay for this at increased interest rates (+0.6 pp). To reduce the rate, you must provide documents confirming the sufficiency of income and an employment contract. An apartment, which is issued in a mortgage, becomes a collateral for the entire term of the loan. Sometimes the bank asks for additional security in the form of a surety or pledge (for a mortgage on an apartment in a building under construction).
