Currently, banks provide trust loans. They are issued only to those customers who have previously borrowed money, or they have a bank salary card. Moreover, the credit history of an individual must be positive. An application for a trust loan can be sent by e-mail, fax or brought in person to the bank.
It is necessary
- - passport;
- - loan application form;
- - income statement.
Instructions
Step 1
If you need to obtain a trust loan, for example, to buy a car, apartment or expensive furniture, contact the bank from which you previously borrowed money. Make sure you have a positive credit history. You can also be given money if you have a salary card in this bank. The latter needs to be regularly replenished.
Step 2
Request from the accounting department of the company where you perform your job duties under the employment contract, a certificate of your income for the previous six months. For this, the 2-NDFL form can be used. Moreover, it indicates not only the amount of wages for each month, but also the deductions made by your employer. Please note that a fiduciary loan is issued if you have been registered with the company for at least six months. The certificate is signed by the chief accountant, director, certified by the seal of the company.
Step 3
Apply for a trust loan. You can request its form at the bank. Enter your passport data, registration address at the place of residence in the document. Indicate the amount of your income in accordance with the certificate. Write down the amount of the fiduciary loan you would like to receive. Write in the period during which you would like to repay it.
Step 4
Please note that the loan amount is limited in relation to income. For example, in Sberbank in Russia from 15 to 45 thousand rubles are issued, and in the Moscow savings bank from 45 thousand rubles. That is, the size of the loan also depends on the territorial location of the client.
Step 5
Send the application (with a photocopy of your passport, income statement) by e-mail, fax or send it personally to the bank. Please note that online applications are considered on the same day if they were received before 14.00, the next day if the letter from you arrived later than the specified time.
Step 6
After reviewing your application, you will receive a letter with a response from the bank. Please note that the loan term can be from three months to five years. In case of a positive decision, you can receive funds at the bank branch at the place of your registration, and repay payments at a branch or central office (depending on your desire).
