Currently, lending services of banks are very popular among the population. Thanks to the loan, the time required to meet various needs: economic, financial and consumer is significantly reduced.
Instructions
Step 1
You should know that banks offer such a service as a loan without guarantors and income certificates. This type of loan eliminates all the inconveniences of a classic loan, in which a mandatory element is collateral in the form of a pledge or surety, the provision of a salary certificate to the bank, and a long period of consideration of a loan application.
Step 2
If you need money urgently or you have a bad credit history, which is a significant obstacle to obtaining a classic loan, low or unofficial wages, unemployed status, then a loan without certificates and guarantors is exactly what you need.
Step 3
However, remember that not everything is so smooth. Lending without collateral is a rather risky type of operations for a bank. The urgency and high risk will come with a high interest rate. In addition, you may face restrictions related to the terms and amounts of loans. But, as a rule, with this type of loan, the bank is always ready to offer the client various lending programs and choose the best option.
Step 4
Be prepared for the fact that the maximum loan amount without certificates and guarantors will be 100-150 thousand rubles. In exceptional cases, the bank can provide you with 200 thousand. Usually, credit institutions put forward some requirements for future customers - this is the presence of Russian citizenship and registration in the area where the bank or its branch is located. In addition, there are restrictions regarding the age of the borrower: for women - from 18 to 55 years, for men - from 21-23 to 60 years.
Step 5
To obtain a loan, you need to submit the following documents to the bank:
- an application for a loan, in which you should indicate information about the place of work, marital status, income level;
- passport;
- other document confirming your identity: TIN, driver's license, military ID, etc.;
- work book or employment contract at the discretion of the bank.
Step 6
After your application has been reviewed, you will be asked to sign a loan agreement. Just keep in mind that you should read it carefully, because this document contains all the conditions that will further determine your relationship with the bank.
