If you don't have enough money to buy, you can use credit services. In such a large city as Krasnodar, there are many banks that provide loans to the population.
Instructions
Step 1
Decide how much money you need and what you want to spend it on. For purchases such as household appliances, a car, an apartment, it is better to choose a targeted loan. This way you can save on interest. If you want to freely dispose of the loan, apply for a cash loan.
Step 2
Choose the bank with the most interesting credit program. This can be done using Internet sites dedicated to banks in Krasnodar. In addition to well-known federal banks such as Sberbank and Alfa-Bank, local financial organizations also operate in Krasnodar. For example, Krayinvestbank presents an interesting loan offer for pensioners. The loan is provided at 16-18% per annum, while the pensioner may not work: it is enough to confirm the amount of the pension that allows you to pay off the loan. And the bank "Kuban Credit" has provided a special offer for public sector employees: they can get a loan at 19-21% in the amount of up to two million rubles.
Step 3
When choosing a loan, pay attention not only to the size of the interest rate, but also to the conditions imposed on the borrowers. Not all banks lend to people who have recently become adults. Sberbank provides loans to people who have reached the age of 21, and Bank Renaissance - only to those who are already 25 years old.
Step 4
Collect the documents you need to get a loan. To obtain a loan for the purchase of household appliances, only a passport is enough. And to receive a cash loan, you need to present a certificate of income in the form of 2-NDFL and a copy of the work book, certified by the employer.
Step 5
Come to the selected bank and fill out the loan application form. Indicate passport details, information about the place of residence, work, salary, and other credit obligations. Then wait for the bank's decision on your application. It can take from a few minutes for an express loan to a week for a mortgage.
Step 6
If the bank agrees to provide the desired amount, carefully study the loan agreement before signing. Together with him, you should be given a payment schedule according to which you will repay the loan.
