To solve some financial difficulties, people take out a loan. Banks of Yaroslavl offer all kinds of lending programs for individuals and legal entities, which are aimed at meeting different goals.
It is necessary
a package of documents
Instructions
Step 1
Before contacting the bank, decide for what purposes you want to spend the money borrowed. It is advisable to draw up a specific list of needs. Having decided on the required amount, think about how long you would like to take it. There are credit organizations that agree to provide a fairly impressive amount at a relatively small percentage, but in this case, you must pledge your property. Consider if you agree to this.
Step 2
When everything is decided, read the terms of granting a loan in various banks, choose the one that suits you best. You can contact the following banks: "Rosbank", Yaroslavl, Bolshaya Oktyabrskaya 35, "Sberbank", Yaroslavl, Sovetskaya street, 34, etc. It is necessary to take into account the interest rate, term, the ability to repay the debt ahead of schedule. Also find out what documents you need to provide.
Step 3
Get involved in the collection of a package of documents. Make a copy of the work book, which must be assured by the employer. Go to the accounting department and take a certificate of income 2-NDFL. Banks ask men under 27 to provide a military ID. You will also need one more identity document, for example, a driver's license, a compulsory health insurance policy, a pension insurance policy or a personalized plastic card of any other bank and a passport.
Step 4
Go to the branch of the credit institution and fill out the application form and loan application offered by the operator. Be sure to indicate your contact phone number, which will contact you and inform you about the decision to issue a loan. Remember that the bank may refuse you without explaining the reasons for its decision. Find out in advance how long your application will be considered.
Step 5
Once approved, visit the bank again. Check the payment terms and the amount you will need to pay monthly. Check all papers carefully and sign. Receive the funds immediately in your hands or wait for them to be transferred to your credit card.
Step 6
Make your monthly payments carefully, do not allow any delinquencies on them. This will ruin your credit history, and it will be rather difficult to obtain a subsequent loan.
