A loan is a necessary thing if you are experiencing any financial difficulties. The procedure for obtaining it is quite simple, but if the borrower is on maternity leave, then the rules change slightly.
It is necessary
- - document (passport or driver's license);
- - certificate of income from the last place of work (preferably);
- - data of guarantors.
Instructions
Step 1
When a child appears in a family, there is a lot of trouble, pleasant and not very pleasant. In order to provide for your offspring, at first you need powerful financial influence. But what if there are not enough of them? All that remains is to go to the bank and take a loan in your name for a certain amount, which you will have to repay, and even with interest.
Step 2
The procedure for obtaining a loan is the same for everyone. You need to present your document to the lender (it can be a passport or driver's license); a certificate from the place of work, confirming your income for the last few months (it is not required in all banks, but, having it, you can achieve lower interest rates) and the details of the guarantors.
Step 3
There are no special differences between ordinary borrowers and borrowers on maternity leave in the procedure for obtaining a loan. But the latter will have more limited options. A person sitting on maternity leave raises certain doubts in the bank about his solvency. Few people like to take risks, and even more so with money.
Step 4
To obtain a loan, you must show the lender proof that you will be able to repay the debt on time. To do this, you will need a certificate of your social security. Without it, it's better not even to try to get a loan. In addition, banks are tightening requirements in one more aspect: the length of service in your last place of employment must exceed twelve months (for ordinary borrowers, three months are enough).
Step 5
Recently, credit "for urgent needs" has become more and more popular. Anything can be hidden under these needs. One of the key advantages of such a loan is that banks in this case are much more loyal to their clients on maternity leave, and in some cases even provide loans on a general basis.
