Buying a new apartment or car, renovation, vacation, study or treatment, sometimes all this is not available without additional financial costs. If your own funds are not enough, you can always use lending services.
Instructions
Step 1
Banking services for providing loans to the population are increasingly popular throughout the country, Chelyabinsk is no exception. If you need to take out a loan in Chelyabinsk, there is nothing impossible in this. Start by analyzing the offers on the credit market. There are many banks providing loans in the city, each with its own conditions. Therefore, the very first task is to choose a suitable lender and loan program. To do this, you can use the official websites of the banks of Chelyabinsk, their "hot" lines, or just visit the office.
Step 2
So, for example, OJSC "BANK URALSIB", located on the street. Zwillinga 60a, offers consumer loans with an interest rate of 19, 5%, OJSC "Ural Industrial Bank" on the street. Svobody 97 - from 18% with a minimum loan amount of 50,000 rubles, but Promsvyazbank on the street. Karl Marx, 73 - 19, 9% for an amount of 30,000 rubles.
Step 3
The second, no less important point is the size of the loan. It must correspond to your real possibilities, otherwise the likelihood of getting a loan is extremely low. Loan specialists recommend subtracting 10% from it after calculating the optimal amount - this will create a kind of safety cushion in case of force majeure.
Step 4
To obtain a loan in Chelyabinsk, it is best to first obtain a 2-NDFL certificate from an employer. A number of banks are ready to provide a loan without proof of income, but most reliable and profitable lenders will not issue a loan without a 2-NDFL form.
Step 5
If we are talking about a large amount, it makes sense to take care of the guarantors in advance. Depending on the bank and the loan amount, 1 or 2 guarantors may be required to obtain a large loan in Chelyabinsk. So, LLC "Uglemetbank" on the street. Molodogvardeytsev 17 B offers preferential lending terms for those who have salary programs of the bank, the guarantee of the loan repayment is not the guarantor (although with a large loan amount, you will still need it), but your employment in an affiliated organization.
Step 6
In addition to the level of income and credit history, some banks in Chelyabinsk check whether a potential borrower has arrears on rent. This measure is quite logical, it can hardly be considered a reliable client who does not make regular utility payments. Therefore, before applying for a loan, make sure that you have no utility bills in arrears.
Step 7
A deliberate choice of a lender, a correct calculation of the loan amount and some preliminary preparation will allow you not only to take a loan in Chelyabinsk, but to do it as quickly as possible, without wasting time and effort on your part, and, most importantly, on favorable terms for you.
