The domestic financial system that has developed in the last decade does not allow an ordinary citizen to make expensive purchases without attracting borrowed funds. State policy, popularization of consumer ideology and low living standards in the aggregate force the population to take out loans. In the current conditions, many are thinking about how to get a preferential loan.
Instructions
Step 1
Those who want to get a preferential consumer loan will have to immediately disappoint: it simply does not exist. There is no state concessional consumer lending in Russia, and bank benefits are in the differentiation of lending rates. In other words, you yourself can choose a loan with a lower interest rate, this, in fact, will be the whole benefit. True, there is a direct relationship: the lower the lending rate, the higher the bank's requirements for a potential borrower.
Step 2
Let's turn to perhaps the most burning topic - preferential mortgage lending. Here, too, not everything is so simple. It would seem that in such a resource-rich country like Russia, at the state level and on the same scale, there should be programs of preferential mortgage lending for citizens of the country richest in resources. For example, in Belarus and Ukraine, which have much smaller reserves of natural resources, there are nationwide programs of preferential mortgage lending. The main criterion for granting a soft loan is insufficient provision of housing. So, in Belarus, a family is recognized as in need of housing if the housing owned does not exceed the established norm of living space per person - 15 square meters.
Step 3
In Russia, concessional lending programs exist only at the regional or local levels, and even then not in all constituent entities of the Russian Federation. Thus, in a number of constituent entities of the Russian Federation, preferential mortgage loans are provided to young or large families, foster families who have taken up a child from an orphanage, and disabled people. Therefore, for an answer to the question of how to get a preferential mortgage loan, you need to contact the local authorities: the government or the administration of the constituent entity of the Russian Federation, the mayor's office or the district administration.
