Not only in Moscow and St. Petersburg, but also in cities such as Cheboksary, there are many opportunities to get a loan. It's important to know how to do this effortlessly.
It is necessary
- - passport;
- - certificate of income in the form of 2NDFL;
- - a copy of the work book.
Instructions
Step 1
Choose the loan offer that best suits your situation. For example, when purchasing household appliances, a car, an apartment, it is best to choose a targeted loan. There is a chance to get money with a smaller package of documents and at a better percentage. If you want to freely spend your loan money, look for a suitable cash loan. If you want to borrow small amounts on a regular basis, get a credit card.
Step 2
Find a bank that provides a loan of the type that interests you. A complete list of banks with branches in Cheboksary can be found on the Banki.ru portal. Pay attention not only to the proposals of large financial institutions of federal significance, such as Sberbank, but also to regional banks. For example, "Chuvashkreditprombank" provides loans for various categories of the population - pensioners, individual entrepreneurs, students, owners of farms. Also interesting offers can be found in the "National Bank of the Chuvash Republic".
Step 3
Collect a package of documents for obtaining a loan. You will definitely need to present a passport with a residence permit, the rest of the papers depend on the specifics of the loan. Most cash loans require income statements in the form of 2NDFL, as well as copies of the work book. Additionally, it may be necessary to provide a pledge or surety.
Step 4
Having prepared all the papers, contact the office of the selected bank to fill out an application for a loan. At this stage, provide the most accurate and truthful information, otherwise the banking services that check your profile may refuse a loan. When approving the application, carefully study the contract before signing. You should understand the full cost of the loan and the payment scheme.
