For many people, it is much more difficult to save money for a major purchase than to borrow these funds and then gradually give them away. In the West, the majority of the population lives on credit, and this is understandable, since the annual interest in the local banks is not higher than 10%. But Russians are gradually being drawn into credit debts, although interest rates offered by banks to individuals, as a rule, exceed 20%. The only way to reduce the loan burden is to find a bank that will offer money at the lowest interest rate.
Where to apply for a loan
Of course, if you want to borrow 10-20 thousand for a couple of months, you can get such a loan, and even interest-free, from relatives or friends. But when you need an amount of several hundred thousand rubles, you are unlikely to get it from your friends - the majority of the population simply does not have such free money.
But on the other hand, literally on every fence and on the Internet, you can see the ads "Money in debt", "Quick loan", "Loans at a small percentage", "Loan of funds". The sources of these tempting offers are numerous microfinance offices, credit cooperatives and similar organizations, which mainly offer loans at the most extortionate interest rates. And this is even better, because on the Internet, for example, most of the offers are from scammers who, having asked for an advance payment under the most convincing pretext, disappear forever.
Therefore, if you have a positive credit history, even a loan taken for the purchase of household appliances, furniture or a cell phone is suitable, you can apply for a loan from a bank.
How to get money from the bank at a lower interest
First of all, do not count on the percentage that banks declare in their advertisements. As a rule, only regular customers of this bank can count on such interest, and even then on the condition that together with the loan they will arrange insurance, the amount of which increases the actual lending rate by several points.
First of all, it is best for you to contact the banks where you are served, i.e. where you have a checking or salary account. These banks already know you as a client and have an idea, at least roughly, about your creditworthiness. In addition, you have already presented some primary documents to them. The bank works with each client individually, and the interest rate that they will be able to offer you largely depends on your reliability and the availability of documents that can confirm it.
In the same bank, you can get the required amount, in one case - by providing only a passport and a driver's license, and in the other - by collecting a bunch of documents: a copy of a work book, a certificate of wages, a certificate of ownership of real estate. But the interest rate in these cases will be completely different and in the second it can be two or more times lower than in the first. Therefore, if you want to get a loan at a low interest rate, do not be lazy and collect the full package of documents that banks require.
