Holidays at resorts, expensive household appliances, cars and many other goods and services would have remained only a dream for many Russians if it were not for the credit market. Today, you can take from the bank not only a targeted loan - for the purchase of housing or a car, but also the so-called “urgent needs” loan, which you can spend at your discretion.
Instructions
Step 1
If you decide to enter the "life on loan" in all seriousness, contact the so-called credit counselor. This specialist will tell you about credit programs of different banks and about the conditions of lending from private investors, and will educate you about the intricacies of obtaining a loan. Also, a credit consultant will help you collect the documents the bank needs.
Step 2
Before you start collecting documents, go to the bank of your choice. In the financial institution, specify on what conditions you will be able to take out a loan. Do you need a collateral or a guarantor, or you can take out a loan as a credit card holder. Each option will require different documents.
Step 3
The standard package of documents for obtaining a loan is as follows: a passport, a 2-NDFL certificate, often a second document confirming your identity is required - a pension or TIN. Some banks may require papers that indirectly indicate your solvency. For example, a passport with border crossing marks or documents for your property. If you plan to take an express loan - a small amount (usually up to 50 thousand rubles) - you will not need a 2-NDFL certificate. In this case, a passport and, in some cases, a pension insurance certificate is sufficient. However, remember that for the ease of receipt and speed - the bank takes a decision from 15 minutes to 1 hour - you will have to pay in rubles. The interest for using an express loan sometimes reaches 60% per annum.
Step 4
To obtain a standard consumer loan, you must meet certain bank requirements. If you are under 25 and over 55, you will most likely be denied a loan. A positive decision of the bank will be affected by the presence of a permanent residence permit and place of work. Your experience must be at least 1-2 years. The standard condition for obtaining a loan is at least six months of experience in the last job.
Step 5
If you fit all the criteria and have collected a complete package of documents, go to the bank. Fill out the borrower form. If a guarantor is required to receive a loan, he also fills out a questionnaire. Discuss all the terms of the agreement with the specialist of the credit department - the possibility of early repayment, the amount of monthly payments and other details. Only then put your signature.
Step 6
The bank usually makes a decision within a couple of days. So be patient and wait.
