Loans are becoming an increasingly common banking product. The financial market now has a very large selection, but many potential borrowers still prefer to contact large banks. One of these financial organizations is Vneshtorgbank, specifically, its branch for individuals, VTB 24. How can you get a loan there?
It is necessary
- - passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Choose a loan product that suits your needs. If you want to spend bank money on one thing, consider a targeted loan. It is usually more profitable than non-targeted. VTB 24 offers special programs for the purchase of an apartment (mortgage) and a car. If you want to buy something else or have multiple purposes, opt for a cash loan. For business development, VTB has a special financial program "Kommersant" with special conditions.
Step 2
Check if you meet the borrower requirements for your chosen program. For example, for a cash loan, you must be at least 21 or more than 65 years of age at the time the debt is repaid. You must have a permanent residence permit, as well as an official work experience of at least one year and work at the time of application. It is also mandatory to have Russian citizenship. For mortgages, the conditions can be even tighter. You can find out the conditions for the type of loan you have chosen at a bank branch or on the VTB 24 website.
Step 3
Collect the required package of documents. Order a certificate of income from the accounting department of your organization at least six months in advance, and if you want to receive more than 500 thousand rubles, then a certified copy of the work book.
Step 4
Come to one of the bank branches, the addresses of which can also be found on the VTB website. In advance, you can fill out a loan application on the website or by phone. This will save you time.
Step 5
Wait for the manager to answer your questionnaire. In case of a positive decision, visit the bank again to sign the agreement and receive a bank card, to which the loan amount will be transferred and which you will have to replenish on a monthly basis in accordance with the payment schedule that is attached to the agreement. Before signing, carefully read all documents in order to exclude errors in registration.
