Simplification of the procedure for issuing loans, the minimum package of documents to be drawn up makes the reliable and stable VTB 24 Bank attractive to potential borrowers. A consumer loan in cash in the amount of up to three million rubles can be taken for a period of six months to seven years at an interest rate of 18% per annum.
Instructions
Step 1
Check the terms of the cash loan. It is mandatory that the borrower is permanently registered at the location of the bank's office, the total length of service is at least one year, and there is no negative credit history. The borrower's age must be at least 21 years old, and at the time of loan closing - no more than 65 years old.
Step 2
Download the application for a cash loan and a certificate of income confirmation, which are posted on the VTB 24 Bank website. On the same site there is a calculator that can be used to calculate the amount of monthly payments depending on the amount of income, interest rate and loan term.
Step 3
Complete the required documents. Instead of a certificate of income in the form of a bank, you can provide a certificate of 2-NDFL. You can apply for a loan in the amount of 500,000 rubles at a reduced rate directly on the bank's website by simply filling out an online application. An application for a larger amount can be submitted by calling 8 800 100-24-24.
Step 4
Go to the bank office with a passport, completed documents and contact a specialist in lending to individuals. In the process of considering an application, the bank may request additional documents.
Step 5
Ask the HR department for a certified copy of the work book or a copy of the employment contract if you are going to take out a loan in the amount of more than 500,000 rubles. If you need cash in the amount of more than 750,000 rubles, you will need to issue a surety for individuals, in addition, you may need documents on education, on family property. The interest rate on the loan is determined individually.
Step 6
After reviewing the application by the bank, you will receive a consumer loan in a convenient way for you: in cash or by transfer to a plastic card. Monthly annuity payments on the loan can be made at the bank's office using a VTB 24 ATM, through the Russian Post, through the Telebank system. Keep in mind that no commission is charged for early debt repayment.
