Usually banks do not issue loans for hiring workers, so if you need money to pay for hired labor, it makes sense to take a regular consumer loan. At the same time, it is worth remembering in what cases do we pay workers? As a rule, when we start construction or renovation. Therefore, when specifying the purposes of obtaining a loan from the bank, you can specify exactly these goals.
To get a consumer loan when visiting a bank office, you must take with you all the necessary documents, such as a passport, a certificate of registration, registration in a country or a specific region, TIN, income statement, etc. If you do not have an official registration in Russian Federation, you will not be able to get a loan. To get it in this case, you will need to get a temporary residence permit - then you can count on a small loan for personal needs.
If you are a citizen of the Russian Federation and you are over 18 years old, you are most likely guaranteed to receive a loan that will be provided in a short time. However, if you are already repaying any loans, the bank may consider your application longer.
There is also the option of taking out a loan on the Internet. In this case, you need to remember that the interest rate on this loan will be higher, and the amount will not be the same amount that you could get when visiting a bank office. But the plus of such a loan is that it is provided very quickly. To obtain a loan on the Internet, you need an already registered electronic wallet to which funds will be transferred, or a bank card.
Some banks that have websites on the Internet also provide the ability to obtain a loan online without visiting their branch. There are a large number of small financial organizations online that also provide loans, but many borrowers prefer not to deal with such companies, because they do not trust them and believe that the risk of running into fraudsters in this situation is too great.
Of course, when choosing a loan, especially for a large amount, it is better to apply to well-known state banks on the market with a good reputation. In order for the risk of being deceived to tend to zero, it is necessary to carefully read the text of the agreement, which will avoid any unpleasant situations in the future.
