With the development of consumer lending in Russia, people have the opportunity not to save money for a purchase, but to acquire the desired item immediately, repaying it later. However, not everyone can get money from a bank. What do you need to get a loan?
All banks have both general and private, depending on the organization, requirements for potential borrowers.
For example, only an adult can apply for a loan. Some banks are tightening the requirements for applicants and raising the age to 21, 23 or even 25 years. You will need to show your passport as proof of your identity and age.
To obtain a small targeted loan for the purchase of goods, a passport may also be sufficient. However, to receive larger amounts, banks usually require additional paperwork. For example, you will need to prove your employment. For this, a copy of the work book, certified by the employer, is sufficient. Each page of the copy must contain the inscription "Copy is correct", the surname and initials of the responsible employee, his signature, the date of the copy, as well as the seal of the organization. If you work under an employment contract, some banks may not accept a copy of this document. Check the information with the credit institution itself. Servicemen who do not have work books can present their military ID or officer's certificate with a corresponding entry.
You will also need to demonstrate your income level. To do this, you need to get a 2NDFL certificate from the accounting department of the enterprise with data for at least three months of work. A number of banks are also considering tax-free income. To do this, a representative of your organization must fill out a special certificate in the form of a bank, which provides information about your real wages. It must be certified by the signature and seal of the director or accountant.
A number of banks may ask for additional documents confirming your solvency. Such papers include a passport with stamps on leaving for the far abroad, a certificate of registration of ownership of real estate, as well as documents for a car.
