In Russia, 70 percent of the country's residents use lending services. Short-term loans gained their popularity in the early 2000s. First of all, consumers are attracted by the opportunity to receive goods now, and pay for it in parts. But what if you are young and want to buy, for example, a phone or a laptop?
Instructions
Step 1
Loans are issued only to wealthy citizens of the country, namely to those who have a permanent official job. The requirements for work experience in different banks may differ, for example, for some credit companies, the duration of employment in the last place must be at least 3 months, for others - at least 6 months. Therefore, first find out in which banks the requirements are right for you.
Step 2
Guys may be faced with the compulsory military service requirement. Some banks require a copy of a military ID from young people under the age of 27. Therefore, if you are called up to serve during the payment of the loan, the bank will not be able to receive monthly payments from you.
Step 3
When you have decided on the choice of a lending institution, collect additional documents. Even if they are optional at the bank, then if they are available, the chances of getting a loan are increased. These documents include: a certificate of wages for the last 6 months in the form of 2-NDFL, copies of certificates of ownership of real estate or vehicles, statements of deposits in banks.
Step 4
Before applying for a loan, take care of your contact persons, banks require you to name several people who will confirm that they are familiar with you. Take the phone numbers of the accounting department and the personnel department; while filling out the application, the loan officer will definitely clarify these data.
Step 5
Most banks require documents such as: a civil passport, a second document confirming your identity (insurance certificate, driver's license, medical policy, foreign passport).
Step 6
By the way, if a bank requires a large number of documents, then the interest rate on lending in it is lower than that of those who request the minimum amount of data.
Step 7
After you have collected the necessary documents, think about what to wear. Credit experts pay attention not only to your income, but also to how you look and how you behave during the application process. Therefore, you should not go to the bank in shabby clothes and after a grand party.
