Obtaining a loan with temporary registration has a number of individual characteristics. The bank's requirements for the borrower will be slightly higher than when applying for the same loan amount, but with the presence of permanent registration.
It is necessary
- - application form;
- - passport;
- - income statement;
- - certificate confirming the length of service;
- - TIN;
- - guarantors;
- - pledge.
Instructions
Step 1
Issuance of a loan is a certain degree of the bank's confidence in the borrower. Permanent registration assumes some settledness, but you can get a loan even if you have a temporary registration. To do this, check out the offers of banks that are ready to issue a loan if you have a temporary registration. Contact the office, fill out the application form. The bank considers each submitted application on an individual basis.
Step 2
If you have a permanent registration in the area where one of the branches of the bank is located, you can be given a large amount of credit for a long term. If you only have a temporary registration and are not permanently registered anywhere, you can get a loan only for the period for which you have issued a temporary registration, most often this period does not exceed 5 years.
Step 3
When issuing a large loan amount, you will need to have two guarantors with a high level of income and a permanent registration, or to issue a pledge of your valuable property. Collateral is a type of guarantee that the loan will be repaid.
Step 4
You will definitely need to present a certificate from the place of work confirming the length of service, which must be at least 6 months, a certificate of income of the 2-NDFL form or in the form of a bank, a passport. They may be asked to provide an individual taxpayer number in order to check the deduction of taxes to the budget of the Russian Federation.
Step 5
Temporary registration will not be an obstacle in obtaining a loan if you have already taken a loan from the bank you applied to and successfully repaid it. Bona fide borrowers are provided with a new loan on concessional terms and without any problems.
Step 6
The bank will notify you of its decision by the phone number you left or in writing to the address of temporary registration. If you were refused by one bank, citing the fact that your registration is temporary, try to contact another bank. Requirements for a borrower in different credit institutions can vary significantly.
