If your refrigerator suddenly breaks down or there is an urgent need to purchase a car, and your own finances are not enough for this, you can resort to the help of a bank. There you can borrow the missing amount to make an important purchase. The main thing is that the overpayment on the loan is not too high.
Instructions
Step 1
Choose a suitable loan rate from any of the available banks. Pay attention to the interest rate on the tariff you like - the lower it is, the less you will overpay the bank in the end. It is also important when choosing a credit rate to proceed from the period for which you borrow money from the bank. It is most profitable to borrow for a short time, therefore, if financial possibilities permit, it is better to choose a short-term credit rate.
Step 2
Take out a bank loan either in the currency in which you receive your salary, or in the currency that experts predict will weaken in the near future.
Step 3
Find yourself reliable guarantors. There should not be many of them, only two or three people. They must meet all the requirements of the bank and have a stable source of income. The responsibility for repaying the loan will fall on the shoulders of the guarantors, if for some reason you are not able to do this, therefore, properly assess your capabilities and negotiate the risks with your guarantors so as not to expose them.
Step 4
Visit the bank of your choice and fill out an application for a loan. To do this, you may need a number of documents, the list of which differs from bank to bank and from tariff to tariff. Usually, a passport of a citizen of the Russian Federation and a certificate of income are required to apply for a loan. Based on information about your earnings, bank employees make a decision on consent or refusal to issue a loan, however, various other characteristics are also assessed, including whether you have a tendency to frequently change jobs.
