As a rule, collateral is issued when large amounts are taken out on credit. The presence of collateral increases the approval of banks, since the borrower is most interested in repaying the loan.
It is necessary
- - application form for a loan secured;
- - passport;
- - additional documents (TIN, SNILS, license, international passport);
- - documents confirming income (2-NDFL certificate, tax declaration);
- - documents confirming work experience;
- - certificate of marriage / divorce;
- - documents for the subject of pledge;
- - other documents requested by the bank.
Instructions
Step 1
When obtaining a collateralized loan, a potential borrower will need two groups of documents. This is the so-called standard package of documents that is suitable for any lending, as well as directly related to the collateral. Most often, a car or real estate (apartment, house) acts as collateral for a loan. The size of the approved credit limit, as well as the chances of granting a loan, will largely depend on their value. The presence of collateral helps to get more favorable conditions at interest rates. It also allows you to take a loan to individual entrepreneurs or business owners who find it extremely problematic to do this. At the same time, a secured loan has one serious drawback - it is the risk of losing real estate or a car.
Step 2
A typical package of documents on bail includes a passport, a certificate of income (financial statements or declarations), a copy of a work book, as well as a second document of the borrower's choice (TIN, SNILS, etc.). For business owners, an extract from the Unified State Register of Legal Entities will also be required, and for individual entrepreneurs - from USRIP. Men under 27 years old will need to present a military ID. Citizens of the Russian Federation aged 21 years and older and registered in the regions where the credit institution is present can receive loans on collateral. Banks have their own requirements for the size of the borrower's income and for the minimum length of service in the last job. Some also require landline telephones.
Step 3
When applying for a loan secured by a car, you can get a loan up to 70% of its appraised value. In this case, it is imperative to provide the vehicle with the vehicle's PTS (passport of a technical device). Only one loan can be issued for one car, i.e. to lay it several times will not work.
Step 4
On the security of real estate, you can get up to 80% of its value (in practice, usually - up to 50-60%). The list of documents for the mortgaged apartment includes a certificate of ownership and documents as a result of which they arose (sale and purchase agreement or the result of privatization), a cadastral passport, a certificate of registered persons and about the absence of arrests and encumbrances on the apartment. At the same time, if the borrower's spouse is also registered in the apartment, she will be required to agree to a pledge. Loans are rarely issued against the security of a share in the property. Only if this is not a loan for the purchase of the entire apartment.
