Over the past two years, the volume of lending at Rosselkhozbank has grown by 50%. People trust this bank and often go there. The bank offers various lending programs, from which each client can choose the most convenient for him.
It is necessary
- - a questionnaire (it can be downloaded from the official website of the bank and filled in in advance);
- - passport of a citizen of the Russian Federation;
- - certificate of income in the form No. 2 of personal income tax (or in the form of the bank);
- - documents on the provided pledge;
- - additional documents reflecting the financial position of the borrower and his representatives, as well as, if necessary, confirming the retirement age or study in an educational institution.
Instructions
Step 1
Take a non-targeted consumer loan secured by real estate - up to 10 million rubles for a long term (from one to ten years). When calculating the maximum amount, the income of the co-borrowers is taken into account. This loan is issued to persons at least 21 years of age who have been in continuous employment for the last six months. Submit a questionnaire, a passport of a citizen of the Russian Federation, documents confirming the amount of income and documents on a pledge - a real estate object. If necessary, Rosselkhozbank may request additional official securities from the borrower and co-borrowers.
Step 2
Pay attention to the loan "Gardener", intended for land owners and those who are going to buy a dacha. The interest rate here is lower than for standard loan products. Such loans for purposes related to household management are issued to citizens of the Russian Federation over the age of 18. There is also a special credit program for the gasification of rural housing, for utilities in the house and yard, and even for the installation of a landline telephone. The loan is given for a period of up to five years, subject to confirmation of the use of money for the purpose specified by the conditions. Additional documents (in addition to the passport of a citizen of the Russian Federation and documents confirming the amount of income and the provision of credit security) - a membership card of a gardening partnership, a document for a land plot or an application for its purchase.
Step 3
Take advantage of a loan for the development of a personal subsidiary farm. It differs somewhat from the loan product "Gardener". Under this program, rural residents can take advantage of the state subsidy and get a loan from Rosselkhozbank at a reduced interest rate with a grace period for repayment of the principal debt. A pledge of liquid property is accepted as collateral for the loan. The bank employees determine the maximum loan amount based on the total income of the citizen and his family members. The loan can be secured by a pledge of property, or a surety of both individuals and legal entities.
Step 4
Apply to Rosselkhozbank for a pension loan. It involves the issuance of an amount of up to 100,000 rubles for urgent consumer expenditures without confirmation of the intended use of credit funds. In addition to a passport and a pension certificate, it is necessary to provide security in the form of a surety of an individual or legal entity, a pledge of movable and immovable property or insurance of the borrower.
Step 5
Get an educational loan that has been provided to borrowers from the age of 14. For the period of study, students of the educational institution "Rosselkhozbank" may grant a deferral of repayment of the principal debt. In this case, it is mandatory to present an agreement between the recipient of the loan and the management of the educational institution. A surety or pledge of property, both movable and immovable, is accepted as security.
Step 6
Get a car loan. Such a loan is provided to citizens of the Russian Federation who have reached the age of 18. The maximum loan amount is no more than 2 million rubles. Rosselkhozbank offers a preferential car loan with government support for the purchase of domestic cars under the government subsidy program. The loan is issued both for the purchase of a car and for the payment of insurance for it. In addition to the required documents, you will need a certified copy of the work book. In addition, the bank may request other official papers.
Step 7
Participate in the home mortgage loan program for people over 18 years of age. The loan is provided for up to 25 years. The maximum amount is 10 million rubles. Mandatory conditions - insurance of the pledged object (except for land plots and unfinished buildings) and the provision of a report on the assessment of the object by an independent expert.
