First of all, repairs often come unplanned. And secondly, even if you have been diligently saving up for it, it suddenly turns out that funds are still not enough. In this case, it is rational to contact the bank to get a loan.
It is necessary
- - passport;
- - the second identity document.
Instructions
Step 1
Determine what kind of loan you are planning to get. It can be a targeted loan with the obligatory provision of documents confirming what exactly the funds were spent on; an unpurpose loan or short-term loan for a small amount that you plan to repay after receiving your salary.
Step 2
Decide which lending institution you will work with. First of all, consider the bank where your payroll card is served. Banks are usually ready to offer softer loan terms to employees of corporate clients. It is worth paying attention to the organization where you have already taken out a loan and successfully closed it. If you find yourself on the list of conscientious clients, you can count on a rather lucrative offer. Consider other suggestions as well. Credit organizations often arrange interesting promotions. However, in this case, it is important to understand all the nuances, since sometimes it happens that banks are silent about some of the information.
Step 3
Submit your loan application. It usually indicates basic information about the planned loan - the amount, for how long, as well as information about the borrower himself - the full name, income and other parameters must be indicated. You can fill out an application at a bank branch or on its official website.
Step 4
Wait for the bank's decision. After some time after completing the application, the bank will make a decision regarding your loan. This usually happens within 2-3 days, sometimes - 5-7 days - it depends on the conditions of a particular bank. But the larger the requested amount, the more likely it will take a little longer for consideration.
Step 5
Sign the agreement with the bank. To do this, the credit institution will request documents - a passport and a second identity document are required, the rest are provided at the request of the bank, in accordance with the selected program or in connection with the borrower's desire to reduce the interest rate.
Step 6
Receive cash. They can be issued in cash or transferred to your bank card.
