The need for a large loan may appear when buying real estate, a desire to expand your business. Banks are quite willing to give loans to individuals and organizations, but it is important for them to have confirmation of the borrower's creditworthiness.
Instructions
Step 1
Able-bodied citizens with official employment, a monthly confirmed income, which will cover payments on credit and other financial obligations, can count on receiving funds on a loan in the amount of 1 million rubles. These payments will have to be no more than 40% of the borrower's total income.
Step 2
When applying to the bank, you must have official employment with an entry in the work book or an employment contract, preferably for an indefinite period. It is necessary to work at the current place of work for at least 6 months. Banks are extremely reluctant to give loans to individual entrepreneurs, but there are exceptions among them, for example, Alfa-Bank and GE Money Bank. In this case, you will need to provide a copy of the OGRN certificate, TIN and a certificate of an open current account.
Step 3
To confirm financial solvency, the borrower will need a certificate in the form of 2-NDFL for the last 3 months and the past year from the place of work or from any enterprise where the borrower has additional income, for example, if he works under a copyright agreement and the fee is paid through the accounting department, and not in envelope. The certificate is valid for one month from the date of issue. If the borrower cannot provide such a certificate, the bank allows confirmation of income in the form of the bank, but in this case the interest will be higher.
Step 4
Some banks simplify the procedure for obtaining a loan for holders of salary cards - in this case, no confirmation of employment and financial capacity will be required. The decision will be made solely on the basis of monthly income and positive credit history.
Step 5
If a surety from another individual is required, then he also needs to collect and provide all the same documents as from the borrower himself. Some banks only accept close relatives as guarantors.
Step 6
Keep in mind, if you take out a loan for the purchase of an apartment and want to use maternity capital, the loan must be a targeted mortgage. Otherwise, the Pension Fund of the Russian Federation will refuse to provide funds.
