In Moscow, it is possible to take out a loan for almost any purpose: for the purchase or renovation of housing, for education or treatment, for travel or the purchase of a mobile phone. In addition, you can simply borrow money without explaining to the bank what you need it for. If you have a need for borrowed funds, it may be much easier to take out a loan than borrowed from friends.
Instructions
Step 1
First, decide how much loan you need. Different goals and objectives require different means for their implementation. So, for example, the purchase of new household appliances will cost one amount, and the purchase of an apartment in another, more significant one. Also select the currency in which you plan to take out a loan. It is recommended to take out a loan in the currency of your salary or other income from which you plan to repay the loan.
Step 2
Before going to the nearest bank, it makes sense on the Internet to study loan offers from various banks. Take a look and compare several offers, paying attention to the interest rate, terms of provision and methods of repayment of the offered loan. Also pay attention to the bank's requirements for a potential borrower and make sure that you meet them. This will help you save time by choosing to visit the banks that offer the most suitable loan programs for you.
Step 3
After choosing a bank, prepare the necessary set of documents for obtaining a loan. For small amounts, it is often sufficient to have only a Russian passport with you. If you have a permanent registration in the Moscow region, this makes you a more attractive borrower in the eyes of the bank.
Step 4
It is also possible that you will need some second document that can confirm your financial status: a passport (provided that you traveled abroad in the next 6 months), a military ID, an insurance pension certificate, plastic cards of other banks or a driver's license.
Step 5
If you can confirm your income using a 2-NDFL certificate, it makes sense to order a certificate in advance from the accounting department. Banks often offer significantly lower interest rates when verifying your monthly income this way.
Step 6
If the amount of the loan that you plan to take is not very large, and you do not really want to collect a set of documents, then you can try to get a card with a credit limit. The proposed credit limit is based on the salary information you provide. A plastic card is produced within a few days, after receiving and activating it, you can start using the credit provided to you. Some banks review applications and issue credit cards within an hour of the application. It is quite convenient if you want to take out a loan in Moscow urgently.
