A military ID is a document confirming military duty. It is extremely necessary to present it when registering, registering for military registration, but it is not a decisive document according to which a consumer or mortgage loan is issued, since loans are provided not only to citizens liable for military service.
It is necessary
- - passport;
- - the second document (TIN, pension insurance certificate);
- - income statement;
- - certificate from the place of work;
- - application form;
- - certificate from the military registration and enlistment office.
Instructions
Step 1
When receiving a mortgage or consumer loan, you need to present identity documents, confirm your income level and work experience, which must be at least 6 months in the last company. At the same time, it is completely unnecessary to show a military ID if you have already reached the age of 27, and the probability of being drafted into the army does not exist.
Step 2
Present a passport of a citizen of the Russian Federation or a driver's license as identity documents. If a second document is required, you can present it of your choice, for example, an individual taxpayer number (TIN), an insurance pension certificate, or, in extreme cases, you can submit a military ID to the bank for consideration. But if you do not have it for some reason, the bank will not require you to provide a military ID. Since it does not matter at all which document will be provided as the second, if a consumer loan is issued and is drawn up on two documents within one hour, when there is no need to present a certificate from the place of work and a certificate of income.
Step 3
If you plan to get a large loan amount or take out a mortgage loan, you will be offered to present a certificate from the place of work, confirming the length of service and a certificate of income 2-NDFL or in the form of a credit institution. It is worth noting that the bank will not require you to present a military ID, so you can easily get a loan without it.
Step 4
Banks are most willing to provide loans to borrowers who have permanent registration in the territory of the Russian Federation, aged 21 to 65 years, who have confirmed their solvency, who have guarantors with a high level of income, valuable property registered as ownership and a minimum of dependents who need to be supported. If you fit these parameters, then you can easily get any loan amount without showing a military ID.
Step 5
In case you are still asked to present a military ID or you are of draft age, you will receive a certificate from the military registration and enlistment office, confirming the fact that you will not be drafted into the army or the loss of a document.
Step 6
Do not forget that without presenting the document that was demanded from you to the bank, the interest rate for the loan may be maximum. Also, the bank may require two solvent guarantors or pledge valuable property, which will be a guarantee of securing borrowed funds.
