The loan helps out in those situations when it is necessary to make any purchase, but there is no required amount on hand. However, most loan programs are designed for those who have a residence permit in the region where the transaction is being made. Therefore, those people who have come to Moscow and do not have a local residence permit have difficulties in obtaining a loan.
It is necessary
- - list of banks;
- - telephone;
- - 2NDFL certificate;
- - positive characteristics from the place of work;
- - a computer with Internet access.
Instructions
Step 1
Find on the Internet or compile a list of banks yourself that are engaged in consumer lending on the most favorable terms for you. When choosing, you need to start from the amount that you want to borrow. Some banks give small amounts without having a residence permit in Moscow.
Step 2
Prepare documents that may indicate your solvency. The best way for this is a 2NDFL certificate from the place of work for the last six months. You can also bring a certificate on the form of the bank. To do this, you need to download the standard form from the official website of the bank and fill it out with your employer. This form can also be taken from the nearest branch of the bank.
Step 3
When you first contact us, please provide your bank statement so that the loan officers can see the cash flow in your account. This can have a positive effect on making a decision on your application.
Step 4
Make sure you have a positive testimonial from your place of work in advance. It is best provided in writing.
Step 5
Find several guarantors who can sign a consumer lending agreement with you. It should be remembered that the bank may require confirmation of the solvency of your guarantors.
Step 6
If you own a car, then contact the pawnshop. In just half an hour you can get the required amount. However, you will not be able to sell or transfer your vehicle until you fully pay off the debt.
Step 7
Mortgage an apartment or any other real estate at your disposal. Usually, the process of obtaining such a loan takes a little time. But do not forget that in this case you will not be able to freely dispose of your housing until the debt is fully paid off.
Step 8
Use a private loan. In this case, there is a high probability of receiving a positive decision on your application, but there is also an unpleasant disadvantage - the interest on the loan will be much higher than in any bank, because you will borrow funds from a private person.
