If you decide to take a loan from a bank, then be prepared for the fact that there may be some difficulties in obtaining it. Indeed, the decision to issue a loan can be influenced by several insignificant, at first glance for the borrower, but very important factors for the bank.
Instructions
Step 1
The first step in obtaining a loan is the collection and execution of documents. To avoid problems at this stage, consult the loan officer of the bank in which you decided to take out a loan. Of course, you can find out the list of required documents by phone or on the bank's website, but it is better to clarify it in person. In addition, a bank representative will explain in detail to you the terms of lending, all the nuances related to debt repayment and answer other questions of interest to you.
Step 2
As a rule, the documents required for issuing a loan are the same in each bank. You will have to submit a certificate of income on the bank's letterhead or in the 2-NDFL form, a copy of your passport, work record book or employment contract. If you provide a surety or pledge as security for a loan, then you will need to collect documents relating to the income and identity of the guarantor, or documents on property that will be transferred to the credit institution as collateral.
Step 3
Do not rush to take the collected papers to the bank. Be sure to check the correctness of their filling, check if you have collected all the necessary documents. Usually, banks require that all columns in the questionnaire be filled out, all pages of the work book are certified by the employer, and the registration address in the passport coincides with the data in the questionnaire. Do not forget to include your contact phone number so that the loan officer can clarify questions of interest if necessary.
Step 4
Remember that the guarantors must also sign the application form, and also be present when the loan is issued. If you have difficulties finding a guarantor, then try to contact a bank that provides loans without a guarantee. However, be prepared for the fact that the cost of such a loan will be higher, since the bank's risk associated with its issuance is quite high.
Step 5
As for your appearance, it can also play an important role in the issuance of a loan. When going to the bank, dress neatly, choose neutral tones. When communicating with the loan officer, behave correctly, answer all the questions posed. After all, the goal of a bank employee is to find out what kind of client you are and whether you can issue a loan.
