Rosselkhozbank today offers a wide range of credit programs. Among them are classic consumer loans, mortgage loans, car loans and loans for the development of personal subsidiary plots. Each program provides for the provision of its own package of documents.
It is necessary
- - loan application form;
- - passport;
- - documents confirming income;
- - documents confirming employment;
- - military ID (for men up to 27 years old);
- - other documents.
Instructions
Step 1
Rosselkhozbank offers two types of consumer lending - targeted and non-targeted. In the latter case, the borrower can spend the funds at his own discretion and does not have to report to the bank on the direction of their spending. Within the framework of an unsecured consumer loan, the borrower can receive up to 750 thousand rubles. with a rate of 22.5%. To obtain a loan, you must submit an application form to the bank; passport; documents confirming income (certificate 2-NDFL or in the form of a bank); documents confirming employment (a copy of the work book or employment contract, certified by the employer); for men under 27 years old - military ID. This list of documents is not exhaustive. In some cases, the bank may request additional documents.
Step 2
The bank offers more favorable interest rates for borrowers for targeted loans. So, under the credit program "Gardener" you can get a loan of up to 1.5 million rubles. at 17% per annum. With this money, you can put water on a garden plot, build a bathhouse there, or buy yourself a plot with a house. At the same time, when applying for a loan for a period of up to 3 years, it is not required to confirm the targeted spending of funds. The loan "Gardener" is issued with the involvement of guarantors (two with a loan amount of 300 thousand rubles) and the provision of collateral. The package of documents that must be provided to the borrower and the guarantor includes a passport; documents confirming income; security documents. You will also need to confirm that you belong to the target segment. As such documents, you can provide a membership book of a garden (dacha) cooperative, partnership; agreement on the use of objects for gardening and horticulture; documents confirming the ownership of the land plot; for those who are just planning to acquire a plot - a statement that they will acquire a plot in a dacha association.
Step 3
For citizens who plan to develop a personal subsidiary farm, you can get a loan at the Rosselkhozbank with a rate of 14% or more. This program is subsidized by the state. Loan funds can be used to purchase equipment, seeds, tubers, cattle and birds, agricultural implements, to repair production facilities, etc. To obtain a loan, an application form is required; passport; extract from the household book. A citizen must be registered with a land plot intended for housekeeping.
Step 4
Depending on the size of the initial payment, the mortgage in the Russian Agricultural Bank is issued with a rate of 11.9%. The borrower can independently choose the preferred method of loan repayment - differentiated and annuity payments. A mortgage loan is issued when the borrower (co-borrower, guarantor) provides a passport; documents confirming income; documents for the purchased (under construction) housing; documents confirming the ownership of land; documents on the proposed security. Depending on the complexity of the transaction, the bank may request other documents.
Step 5
Car loans at Rosselkhozbank for the purchase of a new car are provided at a rate of 14%, for a used car - from 14.5%. Loans are issued against the security of the purchased car and with compulsory CASCO insurance. The borrower will need a passport; documents confirming income; a copy of the work book (employment contract), certified by the employer.
