Banks set certain conditions for the borrower. One of the most important is the presence of a residence permit and Russian citizenship. However, in some cases, you can get a loan without meeting these requirements. Of course, not all banks agree to this, but such a practice exists.
Instructions
Step 1
If you do not have a permanent registration in the credited city, it is enough to get a temporary one. It is quite possible to get a loan if you are registered in the region where there is a branch of this bank.
Step 2
The main requirement is the presence of continuous work experience, stable income (at least 10 thousand rubles), the required amount for the first installment and a good credit history. Credit history is confidential information about a person, which gives an idea of participation in credit transactions up to the present moment. It contains information about the date, terms, conditions, interest, types, early payments, overdue payments of received loans. The story begins with the very first loan agreement.
Step 3
You must convince the bank of your reliability and ability to pay. The presence of guarantors with a permanent residence permit in the city will be a big plus for you. But nevertheless, without registration, the consideration of documents will take much longer, and you may be treated with extreme caution. Therefore, it will be much easier to take a consumer loan, which can then be used by adding it to the down payment.
Step 4
A consumer loan is very convenient. Especially when you need to make an expensive purchase in a short time. Although this type of lending is used not only for large purchases. It can be used to purchase household appliances, mobile phones, groceries, etc. But at the same time, you will have to pay a fairly high percentage. This is the main disadvantage of a loan without registration.
