Registration is one of the main conditions for banks when applying for a loan. Capital banks are especially strict about this issue. However, the trend of the post-crisis period is the easing of requirements for the client in exchange for an increased interest rate.
It is necessary
- - application for a loan;
- - passport;
- - copy of the passport (all pages);
- - certificate in the form No. 2 of personal income tax or documents for the car.
Instructions
Step 1
Choose a capital bank that provides loans without registration. For example, it could be Citibank or Homecredit. Visit the bank's office or go to the official website. You should be interested in the terms of the loan, which is issued to citizens who do not have registration in Moscow.
Step 2
Please note that banks offer different conditions for persons who do not have registration at all, and for those who are simply registered in another region. So, for citizens without registration, the interest rate is always higher, and for guests of the capital, having a good credit history will play a significant role. In this case, it makes sense to order an extract from it (once a year, such a document is provided to citizens free of charge).
Step 3
Use a loan calculator and calculate the possible loan payments, perhaps you will find a more loyal bank in the region of registration.
Step 4
Having chosen a bank, prepare a package of documents. Their set depends on the amount that you are going to borrow. For example, to apply for a loan at Citibank, you need an application for a loan, a copy of your passport (all pages), but you need to have the original, a document confirming your income (personal income statement form No. 2 of personal income tax or documents for a car) with you.
Step 5
To apply for a loan in Homecredit, a loan of less than 75,000 rubles. required: passport of the Russian Federation, any of the documents (driver's license, pension certificate, foreign passport, insurance certificate of state pension insurance, or Home Credit Bank card). With an amount of up to 150 thousand rubles, there is also a certificate of income of an individual in the form of personal income tax No. 2 or a copy of the certificate of state registration of ownership of residential or non-residential real estate. Sometimes banks ask you to provide a lease agreement for residential premises in Moscow or an employment contract if you have arrived in the capital to work.
Step 6
Contact the bank, where the consultant will calculate the loan and provide you with a likely payment schedule. As a rule, a decision on granting you a loan is made within 3-5 days. After that, visit the bank again and collect the required amount.
