Usually, banks have lending options for various categories of borrowers, because while for some the provision of mandatory certificates does not cause difficulties, for others this requirement is simply impossible to fulfill. And sometimes there is simply no time for their registration. Along with secured loans, banks provide loans without collateral or guarantors.
It is necessary
- - passport;
- - driver's license / pension insurance card / international passport / TIN.
Instructions
Step 1
A loan without collateral, certificates and guarantors is one of the types of consumer lending, so getting it is not difficult. These loans are called express loans and are issued very quickly. They are very popular, for example, in the retail network. After you fill out the form, it is sent to the bank in electronic form. It takes no more than half an hour to make a decision on granting you a loan.
Step 2
Banks have different requirements for borrowers. Some require the borrower to have a local residence permit and be of working age, while others require that the client's continuous work experience in his position at the time of granting him a loan is at least 6 months. In any case, in addition to your passport, you will have to provide one more document to choose from. It can be a passport, driver's license, pension insurance card, TIN. Information about income is simply recorded according to the words of the future borrower.
Step 3
When issuing an unsecured loan, the bank tries to protect itself as much as possible in case of possible financial losses. Therefore, such loans, as a rule, are short-term - from 3 months to 3 years, the amounts issued are small - up to 150,000 rubles, and the interest rates are high. If you have the time and opportunity to issue a certificate of income, contact the bank, which will issue a loan after carefully reviewing it. The interest rate on its repayment will be significantly lower.
Step 4
At present, a credit history bureau has been established and is functioning. This opens up new opportunities for those wishing to obtain an unsecured loan. You can get a loan with low interest rates without collateral, certificates and guarantors, if you have a positive credit history.
