Banks are more loyal to borrowers with a constant and high income. But today you can find a number of proposals for those who have a small official salary.
It is necessary
- - passport;
- - documents confirming income;
- - other documents requested by the bank.
Instructions
Step 1
Borrowers with low income have several options to take out a loan. So, they can take advantage of credit programs that do not require proof of income, or increase the loan term. In the latter case, the borrower can increase the loan amount due to the longer terms of payments on it. In this case, the bank can approve a loan, monthly payments for which will not exceed 30% of the borrower's income.
Step 2
Often small income is only on paper, while the official earnings of the borrower are much higher. In this case, it is worth paying attention to banks that accept alternative methods of confirming income, and also take into account their size when determining the available loan amount. For example, an account statement, lease agreement, management reporting, etc.
Step 3
If the option with extended loan terms is not suitable, and there is no additional income, you can contact banks that do not require confirmation of income when receiving a loan. Today such offers are available in HomeCredit Bank (Big Money 500 loan, amount from 50 to 500 thousand rubles, rate from 21.9%), Oriental Express Bank (“Super Cash” loan, amount from 25 to 500 thousand rubles., rate from 37.5%), Renaissance Credit (credit "Cash", amount up to 500 thousand rubles, rate from 15.9 to 69.9%), Sovcombank (loan "Convenient", amount up to 300 thousand rubles, rate from 14.9 to 29.9%).
Step 4
Borrowers who have collateral for the loan are in a more advantageous position. For example, in the "BFG-credit" you can get a loan secured by real estate in the amount of up to 30 thousand dollars, you do not need to confirm income. In Rosselkhozbank, you can also use borrowed funds to clients without certificates who previously took out a loan. Fora-Bank provides loans for up to 5 million rubles. secured by real estate.
Step 5
According to statistics, the easiest way to get a loan with a small income is to buy a car (which will be pledged by the bank), or by issuing a credit card. Car loan programs that will require the presentation of a passport are currently available at VTB24, Rusfinance Bank, UralSib. Credit cards without certificates are issued by Tinkoff, Bank of Moscow, Renaissance Credit. And VTB24 and Sberbank even allow you to take a mortgage using a passport and an additional document. True, for this you need to have an impressive down payment of 35%.
Step 6
Some banks have special lending programs for low-income categories of citizens. For example, for retirees and students. In this case, banks often reduce the risk of default on a loan by attracting guarantors who are responsible for repaying the loan. So, pensioners today can get a loan from Sberbank, Sovcombank, Rosselkhozbank. Students can apply for credit cards at Sberbank, Tinkoff Bank, Bank of Moscow.
