If you are confident in the stability and sufficiency of income, you can not limit yourself to one loan, but take a second. To do this, it makes sense to contact the same bank where you received loans for the first time, or another, if there is a more favorable offer.
Instructions
Step 1
Find the loan program that is most convenient for your situation. If you are going to purchase a certain thing - household appliances, a car or an apartment - choose a targeted loan. For him, banks set a lower percentage. If you want to spend money for several purposes, choose a cash loan. So you will be free in your spending. For those who want to regularly use small amounts of credit, a credit card is suitable.
Step 2
Collect the necessary documents for obtaining a loan. Most likely, in addition to a passport, you will have to present a certificate of income in the form of 2-NDFL. A copy of the work book, certified by the signature and seal of the employer, is also useful. Additionally, you can provide other documents demonstrating solvency: a passport with stamps on crossing the border, a certificate of ownership of an apartment or car.
Step 3
Choose a second bank for lending. When choosing, be guided by the availability of an interesting loan program, as well as whether you meet the conditions for borrowers. It is difficult to determine whether a new bank will consider an existing loan a disadvantage. On the one hand, having a positive credit history will be a plus for you; on the other hand, the already existing financial obligations reduce the part of your budget that is at your disposal.
Step 4
Come to the bank branch in person with all documents. Fill out the loan application form. In it, indicate not only income and place of work, but also existing loan obligations. After the adoption of the law on credit histories, banks, with your consent, may request information from special bureaus, which store information about current and disbursed loans. It is better to provide such information to the bank honestly and in full. This will increase your credibility as a potential client. However, even here there are opportunities to present the situation in the most favorable way. For example, the bank will not be able to verify the exact credit card payments as they may change every month depending on your expenses. Therefore, in the questionnaire, you can indicate the minimum payments on the card, even if you make large amounts monthly.
Step 5
Wait for the bank's decision regarding your application. After approval, come to the branch of the financial institution again to sign the loan agreement. Please read the agreement carefully before accepting the terms.
Step 6
If one bank refuses, do not be afraid to contact another. Perhaps the refusal was caused by some specifics of the company's internal policy, but in another bank you will be treated more favorably.
