Money taken under certain conditions and for a specified period will be called a loan. If the borrower is going to spend it for purposes other than the purchase of collateralized property, it means that he has issued a consumer loan without collateral. One of the main conditions for obtaining a consumer loan is the timely provision of a complete list of necessary documents for the bank's employees to assess its solvency. To thoroughly prepare for a loan, consider the individual instructions.
It is necessary
Personal income tax certificate 2, free-form certificate, copy of work book, copy of employment contract, copy and original of passport, rights: copy and original, application form
Instructions
Step 1
Standard package.
The client needs to contact the borrower to get a list of required documents. In such a situation, they are usually asked to provide identity documents (passport); income statement (2 personal income tax); a copy of the work book, certified by the chief accountant or general director; application form for consideration of the application. There are times when the bank may require additional documents, so you should ask the employee of the credit institution about this in advance.
Step 2
With a list of required documents, the borrower goes to the organization and ask the chief accountant for a certificate of 2 personal income tax, and requests a copy of the work book from the personnel department employee, with certified pages. It is worth remembering that the term of all documents is valid for the bank only for 1 month, then you need to re-collect these documents. Certificate 2 of personal income tax must be made at least in the last 6 months. The name of the organization must match the seal. Check before submitting that you have all the stamps, signatures and correct information about the borrower.
Step 3
It is necessary to make a copy of the passport: all pages where there is an entry. The passport must be valid throughout the entire loan term. There should be no unnecessary entries. The borrower's age must meet the requirements of the bank.
Step 4
Then you need to print the application form or take a ready-made clean version from the bank. Study it carefully and fill it with block letters, blue paste. Corrections are not valid. All points of the form must be filled in.
Step 5
The final stage. The borrower compares the list of required documents with the collected ones. He puts it in a file and goes to the bank for a loan.
