A loan is a convenient financial instrument for those who do not want to save up money for a long time to purchase any product or service. In a large city like Yekaterinburg, there are many opportunities for obtaining a loan.
Instructions
Step 1
Decide what you want to borrow for. For the purchase of specific goods, for example, household appliances or a car, targeted loans are suitable for you. Often they can be arranged directly in the store where the sales are made. For example, the IKEA Yekaterinburg shopping center and various home appliances stores have bank branches and special preferential targeted lending programs. If you want to freely dispose of borrowed funds, opt for a cash loan.
Step 2
Choose a bank with the most interesting lending program for you. The list of banks with offices in Yekaterinburg can be found on the Internet portal "Banks.ru" by selecting the specified city in the section on lending. Pay attention not only to financing programs offered by federal banks such as Sberbank, but also to loans from local financial institutions. For example, a fairly profitable consumer loan at a rate of 10% per annum is offered by the Koltso Urala Bank, which has its main office in Yekaterinburg. Also, a consumer loan with a low interest rate for the market of 12% is provided by the Ural Bank for Reconstruction and Development. But to obtain such conditions, you will need to issue a pledge.
Step 3
Collect documents for obtaining a loan. In addition to your passport, prepare an income statement and a copy of your work record book. Also, in addition, you can present a passport with stamps on crossing the border and a certificate of ownership of an apartment or car. These documents will confirm your financial stability.
Step 4
Contact the bank of your choice. Since there are several dozen banks operating in Yekaterinburg, you can apply for two or three loan programs at once, and then choose the most favorable solution for you.
