In various situations, an individual or legal entity may need borrowed funds. In this case, it is reasonable to resort to the help of one of the financial institutions and get a loan.
Instructions
Step 1
Decide what type of loan is best for your needs. If you already have your own business, then various banks will provide you with the opportunity to obtain special loans for legal entities. When starting a business, the situation is more complicated. In this case, you still have the opportunity to obtain financing within the framework of lending to individuals. But in this case, the amount of funding can rarely exceed a million rubles.
Step 2
Also, the solution to the problem can be attracting an investor, but in this case, in the long term, you will have to share with him not only income, but also the rights to manage the business.
Step 3
Choose a bank with the most interesting lending program for you. To do this, follow the advertisements issued by financial institutions, and also study various Internet sites on financial topics, for example, Banks.ru and the sites of banks themselves. When choosing a loan, pay attention not only to the interest rate, but also to additional commissions, which can significantly increase the cost of financing for you.
Step 4
Collect a package of required documents. The list of papers depends on the requirements of the bank. You will definitely need a passport. When registering financing for a legal entity, you will need to provide its registration documents, as well as tax declarations indicating the income of the enterprise.
Step 5
Come to the bank's office and fill out a loan application. Please note that in most cases, in order to sign the relevant papers, you will need a personal presence or a notarized consent from all the founders of the company. Wait for a response from the bank. Please note that in some cases the financial institution may agree to a loan, but less than the one you requested.
Step 6
Before signing, carefully study the loan agreement - your signature will signify your acceptance of the conditions specified in the text. If you do not understand something, ask a bank employee to explain the controversial points to you. If necessary, you can even invite a lawyer with you to conclude a contract. This may be necessary when concluding contracts for large amounts.
