If you do not want to save up money for a long time to make any purchase, you can take out a loan from one of the financial institutions. For people living in large cities, such as Kiev, there is a large selection of banks that provide financing to individuals.
It is necessary
- - Ukrainian passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Choose the loan program that is most interesting for you. To do this, you can use the information on the websites of various banks or information portals, for example, https://www.bankstore.com.ua/products/credits/consumer/70/. It contains information about various banks that exist on the territory of Kiev. There are many banks operating in the Ukrainian capital, both international, for example, OTP Bank, and local, registered in a particular city, for example, Bank Kiev.
Step 2
When choosing a loan, be guided by the effective interest rate - this indicator reflects not only the monthly interest on the loan, but also additional payments, for example, the commission for maintaining a loan account. You can also choose various parameters of the loan, for example, its term and currency. In Kiev, you can get financing not only in hryvnia, but also in dollars, euros and even Swiss francs.
Step 3
Prepare documents for obtaining a loan. In addition to the passport of a citizen of Ukraine, in most cases you will need to provide a certificate of income and a copy of the work book. The certificate must show your salary for at least three, but preferably for the last six months. The work book should be copied and certified in its entirety. If you want to take out a loan secured by property, you will need to prove ownership of it using documents proving your ownership.
Step 4
Come to one of your chosen banks in Kiev. Fill out a loan application form on the spot or answer orally the questions asked by the employee. You will need to provide information about the place of residence, experience and place of work, income level. Based on this data, your application will be analyzed by the bank's specialists.
Step 5
Wait for the bank's decision on your application. For small consumer loans, this usually takes more than a day, for mortgage financing, the terms can be extended to a working week. When approving your application, come to the bank again and sign the agreement for the provision of lending services. The money will be issued to you in cash at the cash desk or transferred to the account you specified.
