People have different needs associated with the acquisition of a particular thing. But sometimes situations arise when a thing is needed, like air, but you do not have the money to buy it. Then credit comes to the rescue.
Instructions
Step 1
If you intend to take a loan from Sberbank, then first you need to familiarize yourself with the requirements for borrowers. After all, it may turn out that by filling out an application form and collecting all the necessary documents, you will not be able to get a loan because of your age. The requirements for clients in Sberbank are as follows: age from 21 years old, at the time of loan repayment the age for women is not more than 55 years, for men - not more than 60 years old; total work experience of at least 1 year over the past 5 years (if you have a salary account with Sberbank, then this paragraph does not apply to you), and at the last place of work - at least six months.
Step 2
If, as a borrower, you are suitable for a bank, then you can proceed to the stage of choosing a consumer lending product. That is, you should decide what kind of loan you need. With or without collateral, with a guarantee of 3 persons, etc. Then think about the currency of the loan, since the size of the interest rate depends on it, and the term of the loan. Because the longer the loan term, the lower the payment on it, and vice versa.
Step 3
When you know what kind of loan you will take, then you should inquire about the package of documents for reviewing your application at Sberbank. The list of documents is as follows: passport of a citizen of the Russian Federation; a document confirming registration at the place of stay, financial documents (2-NDFL certificate or a certificate in the form of a bank) and a copy of the work book, certified by the employer page by page. It is also necessary to fill out an application form either on the bank's website or at a branch.
Step 4
When all of the above points have been completed by you, you can contact the Sberbank office and wait for the decision of the credit committee. The processing time for your application will be about 2 working days if all documents are available.
