If you decide to get a loan in Kiev, then before contacting the bank, it is recommended to analyze this situation from all sides. In this case, not only your earnings, but also current obligations are important. The loan should not be burdensome for you.
It is necessary
- - passport;
- - identification code.
Instructions
Step 1
Assess the need for credit funds. To do this, you need to create a table of your income and expenses. Determine the optimal amount that can cover the arisen obligations. Remember that in the post-crisis time, banks have increased interest rates, so the smaller the loan amount, the less you will eventually overpay. Based on these considerations, determine the type of lending.
Step 2
Make a list of banks that meet your requirements. To do this, you can use the resource www.bankstore.com.ua. Go to the "Pick up a loan" section and select a method of obtaining. As a result, you will receive a list of names of credit programs and links to banks' websites. Here you can compare loan conditions, read reviews and see ratings.
Step 3
Go to the website of the Bank of Kiev and find out the list of documents that are required to obtain a loan. If you take a small amount, then many credit organizations require a passport and an identification code for registration, the details of which can be specified directly on the site and sent an online application. For example, in Alfa-Bank, employees of the credit department will contact you within half an hour after submitting an online application, provide additional information and appoint a time when you need to go to the bank with the documents.
Step 4
Collect a package of documents. Even if it is written in the terms of lending that a certificate of income is not needed, it is better to get it anyway. This document will not only increase the chance of obtaining a loan, but also allow in some cases to reduce the interest rate or increase the loan amount.
Step 5
Buy goods on credit directly at the outlet. In this case, the loan is issued at the credit department of the Kiev trading network. In this case, you just need to have your passport and identification code with you, and the interest rate in most cases on such a loan will be zero.
