To protect itself, the bank may make it a condition of obtaining a loan to provide a guarantor - a person who will pay off the debt for you if you cannot do this. Finding such a person can be difficult. But there are opportunities to get a loan without attracting the obligations of third parties.
Instructions
Step 1
Think about how you can prove your solvency to the bank without involving third parties. An income statement can help you. Order a salary document in the form of 2NDFL from the accounting department of your organization. For most banks, there will be enough information in three months, but it is better to be insured and stock up on a certificate for six months. If you have not been with this organization long enough, a shorter period will do.
Step 2
Collect papers confirming the stability of your financial position. For this, a copy of the work book can serve. You will be able to issue this paper in the personnel department. The copy must be certified by the seal and signature of the responsible employee, and it must also be dated. Some banks may also accept documents such as a certificate of ownership of an apartment, documents for a car, and a passport with border crossing stamps as confirmation of your ability to maintain the desired level of well-being.
Step 3
Find out if you can provide a bond if needed. They can be real estate and, in some cases, a car. But keep in mind that if you own only one apartment in which you live, the bank is unlikely to consider it as collateral, since it will be difficult to sue it even if the debt is not repaid.
Step 4
After collecting all the documents, collect information about the loan offers that are available to you. In the modern banking market, there is a fairly wide range of financial institutions that provide an opportunity to get a loan without guarantors. If you already have a bank account, for example, the one to which your salary comes, contact the bank where it is opened. Having such a relationship with the bank will increase your chances of obtaining a loan without involving outside parties. If you refuse to apply, contact other banks, you can even fill out several questionnaires at the same time, and then choose the most advantageous offer.
