On the modern Russian market of banking services, there are many offers in the form of various lending programs. However, in order to get a loan on the most favorable terms, you need to study the specifics of the offers in a particular city, for example, in Perm.
It is necessary
- - passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Choose what you want to spend the loan amount on. When buying any household appliances, vehicle, apartment, it is best to choose targeted financing. You may be asked for fewer documents, and there is also a chance of getting a loan with a more favorable interest rate for you. For the freedom to use the money received, choose cash loan programs. If you are not going to use the money right away, but want to have some kind of reserve, get yourself a credit card.
Step 2
Find out in which bank in Perm you can get the most favorable conditions for the type of loan you are interested in. The all-Russian catalog of banks on the Banki.ru portal will help you with this. Pay attention not only to the proposals of large federal financial organizations, but also to loans from local banks. For example, Perminvestbank, registered in Perm, offers quite profitable financing at 14% per annum for large purchases from two hundred thousand to one and a half million rubles. The Ural Financial House is ready to provide an educational loan at 17, 9% per annum.
Step 3
Gather paperwork for your chosen loan. In addition to a passport, you may need a certificate of income, as well as a copy of the work book, certified by the employer. To confirm the spending of funds for targeted lending, the bank may additionally request, for example, documents for the purchased apartment or an agreement for paid education at a university.
Step 4
Apply for a loan by contacting one of the Perm banks with all the prepared documents. Since Perm is a large city, you can find branches that are open not only during a standard banking day, but also open in the evening or on weekends. Fill out the form suggested by the bank employee. When approving your request, sign the loan agreement, after reading it carefully, and then receive the money or goods.
