One of the key requirements for obtaining a loan is a permanent residence. But even if the address of your actual residence differs from the address of registration, you can apply for a loan.
It is necessary
temporary registration
Instructions
Step 1
A loan is an agreement on favorable terms for both parties, when some trusting relationship is established between the bank and the borrower. Not all banks are able to provide a loan to people with temporary registration, since the presence of a residence permit means for the lender the responsibility and reliability of the person who borrows the amount of money, and serves as some guarantee of a refund
Step 2
Often, credit institutions provide their clients with a temporary residence permit loans that must be repaid during the period while it is valid. This rule is unspoken and is used in virtually all banks.
Step 3
In the event that the borrower is officially registered in one place, but works and actually lives in another, then the first settlement will be important for the lenders. The presence of branches of a financial institution in this city can significantly increase the chances of satisfying a loan request. Also, a good credit history, a long duration of work at the last job, the presence of guarantors with an income above average, etc. can also positively affect the receipt of funds.
Step 4
The leading bank in Russia - Sberbank lends to citizens with temporary registration at the place of actual residence only for the period of validity of the registration. Another situation with lending takes place at VTB 24 Bank: there you can get a consumer loan even without permanent registration. The only condition is that at least seven months must remain until the expiration of the temporary registration.
Step 5
OJSC Rosselkhozbank provides loans to borrowers who do not have permanent registration only if the potential client is temporarily registered only in suburban urban-type settlements, which is included in the register established by the bank. It is possible to issue a loan at Gazprombank OJSC without registration only in those cities of the Russian Federation where there are branches of this institution. The only thing that is required in this case is a high-income guarantor.
