Alfa-Bank offers a wide range of loan products.
The interest rate and the maximum loan amount depend on the package of documents provided by the borrower.
It is necessary
- - application form for a loan;
- - passport of a citizen of the Russian Federation and a second document of your choice;
- - documents confirming income;
- - documents that confirm seniority;
- - other documents.
Instructions
Step 1
The issuance of any loan is accompanied by the execution of an application form for a loan. The most convenient way to fill it out is online on the bank's website. But you can also fill out a questionnaire in writing at any office of Alfa-Bank. You should answer questions honestly and try not to make mistakes. After all, any discrepancy can be considered by the bank's security service as an attempt at fraud.
Step 2
To obtain a consumer non-targeted cash loan, a minimum package of documents is required. On the loan "Bystro" for a maximum amount of up to 250 thousand rubles. a passport is requested, as well as an additional document to choose from (passport, compulsory medical insurance policy, license or pension insurance card). This loan allows you to quickly get a small amount, but such loyal requirements for the borrower are accompanied by an extremely high rate - from 37%. Therefore, those who can provide an extended package of documents, it is better to pay attention to other credit programs.
Step 3
A cash loan with proof of income allows you to get a loan with a lower rate of 16.99%. To do this, you will need to provide a 2-NDFL certificate for the last six months. You will also need a passport and an additional document. For salary clients of the bank, these documents will be sufficient, while for new clients it will be necessary to add one more document to confirm their solvency. These are, for example, a passport with information about a recent border crossing, a VMI policy, a PTS, a certified copy of a work book. Such a set of documents makes available a loan of up to 1 million rubles. Alfa-Bank does not favor individual entrepreneurs and business owners. If in other banks they have access to confirmation of income by declarations, then Alfa-Bank accepts only 2-NDFL.
Step 4
In case of car loans, in addition to proof of income, you must provide information confirming work experience. It must be at least 3 months old. The borrower will need a copy of the work book. When obtaining a mortgage, you will also need a full package of documents for co-borrowers, which is similar to that provided by the borrower. You will also need specific documents for the acquired property and / or the subject of pledge.
Step 5
Alfa-Bank is also active in the POS lending market (lending at retail outlets for a specific product). Shopping in stores is often made spontaneously, so buyers rarely have the entire package of documents with them. Such loans are issued only for one passport, and decisions are made extremely quickly. But due to the high risks associated with this type of borrowing, it is distinguished by extremely unfavorable conditions - high overpayment and interest rates. Therefore, it is more expedient to arrange loans not directly at retail outlets, but at a bank branch with the provision of a full package of documents.
