Loans have become a part of the lives of many Russians. Indeed, a loan is a convenient way to purchase the desired product or service right now without spending a long time saving. However, to get a loan on the most favorable terms, you need to know the specifics of the financial services market for individuals.
It is necessary
- - passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Choose the bank that offers the most favorable credit terms. Pay attention not only to the interest rate, but also to various additional commissions. For example, compulsory life and health insurance of the borrower, as well as additional payments for maintaining a credit account, can significantly increase the cost of the loan for you. Comparison of products from different banks will help you with the total cost of credit (CCC). This indicator is calculated according to the formula of the Bank of Russia and reflects all hidden and explicit payments on loans. At your request, any bank consultant must inform you of the CPM of the selected loan. The cost of a loan is expressed as a percentage: the lower this indicator, the more profitable the loan is for you.
Step 2
Collect the necessary documents for obtaining a loan. Get a 2NDFL certificate from the accounting department at your place of work. If you are a self-employed person, submit your tax return to the bank instead. Also order from the HR department a copy of the work book, certified by the signature and seal of the employer. If you work only under an employment contract, you can find a bank where employment is not required. In addition, to confirm your solvency, you may need a passport with border crossing stamps and visas, as well as a certificate of ownership of housing or a car.
Step 3
Come to the branch of the selected bank and fill out the loan application form. In it, indicate your passport details, information about the place of work and salary, as well as information about existing loan obligations. Indicate all information as fully and honestly as possible, as it will be checked by bank employees. If inconsistencies are identified, you will most likely be denied a loan.
Step 4
When approving your application, sign the loan agreement with the bank, having read it carefully beforehand. Receive the money due to you at the bank's cash desk or by wire transfer to your account.
