St. Petersburg can be called not only a cultural, but also a significant financial center. There are many banks operating in this city, providing financing to both individuals and legal entities.
Instructions
Step 1
Find a list of banks that have branches or main branches in St. Petersburg. This can be done using the Banki.ru portal or using other sites, for example, the BankiSPb resource. On such sites, you can familiarize yourself not only with the addresses of bank branches, but also with their sites, where you can get additional information about the offers of a financial institution.
Step 2
Choose the bank that provides the most favorable conditions for you. To do this, study his offers presented on the site and in advertising. Pay attention not only to the interest rate, but also to possible additional payments. For example, you may be required to purchase insurance. Also consider the bank's requirements for borrowers. They can be very different. Pay particular attention to this if you have a short work experience. For example, Sberbank lends only to people with at least one year of general experience and at least six months in their last job. Pay attention not only to the proposals of large federal banks, but also to financial institutions related specifically to St. Petersburg.
Step 3
Collect the required package of documents. It will depend on who, where and for what purpose you get the loan. For example, to buy household appliances on credit, in most cases, a passport will be sufficient. At the same time, for a mortgage, you will need to collect certificates of income and employment not only for yourself. but also for co-borrowers, if any.
Step 4
Contact your chosen bank to apply for a loan. If you want to purchase a specific product, then it is easier for you to immediately come to a home appliance store or a car dealership. Often there are additional racks of various banks offering their loans. You can choose the most profitable option right on the spot.
