After the crisis in the banking sector, the conditions for issuing loans were tightened, but gradually the financial services market is returning to normal, and now banks are ready to provide loans to people, but on a smaller scale. Thousands of citizens of our country have already appreciated the advantages of lending at Gazprombank, where there are quite competitive interest rates, a huge variety of credit programs, rather flexible conditions for all segments of the population.
Instructions
Step 1
Gazprombank offers mortgage loans, car loans and other types of consumer lending for the population. In addition, the bank constantly monitors the financial services market, evaluates its capabilities, modernizes and develops its loan products, adjusting to the needs of citizens. Gazprombank adheres to a transparent and open policy in relations with borrowers. The cost of any loan is calculated individually for each client and is announced before receiving it.
Step 2
Gazprombank provides loans to all citizens registered in Moscow and other cities where branches are located. To obtain a loan, a potential borrower must be at least 20 years old, not older than 60 years for women and 65 years for men, until the loan is fully repaid. Loans are provided in Russian rubles and US dollars, there is no limit on the amount.
Step 3
To obtain a loan, you need to contact the nearest branch of Gazprombank with your identity documents. Then explain to the bank employee what type of loan you need. Please note that programs are developed and changed almost every day - if today you are satisfied with any product, you should not hesitate for a long time, since literally in a week the conditions can change both for the worse and for the better for the client.
Step 4
If you have decided on a product, the bank employee will ask you to fill out a loan application and provide documents. The minimum loan amount is 90 thousand Russian rubles. To determine the maximum loan amount, the total family income of the potential borrower is taken into account and the property is considered as a collateral.
Step 5
After accepting the application, the bank employee will tell you how long it will be considered. An application for a large loan can be considered for more than a week. It is quite possible that an additional package of documents will be required, which may include a marriage certificate, a certificate from the place of work about income for the last six months and other documents.
Step 6
After the bank gives a positive decision, about which you will be notified by telephone, you will need to visit the bank and get a loan. Carefully read the loan agreement, as its terms provide for the need to make payments related to obtaining and repaying a loan, a commission for considering an application for a loan, maintaining a bank account and other payments in favor of the bank.
