Credit has become a fairly common banking product. With its help, both household appliances and housing are purchased. And with an abundance of offers on the banking market, you need to be able to choose the most profitable one. It also has its own specifics when obtaining loans in various cities, for example, in Ufa.
It is necessary
- - passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Choose the loan product that suits you best. If you want to spend money on something specific, for example, for an apartment or a car, then choose a targeted loan - you will have limited freedom in spending funds, but you will receive money at a more favorable interest rate. If you want to spend money for several different purposes, then opt for a non-targeted cash loan.
Step 2
Find a bank with the most attractive terms for you. This can be done using various reference sites. For example, you can find the coordinates of financial organizations that have main offices or branches in this city using the Banki.ru website.
Step 3
Prepare documents for submitting a loan application. Banks usually require future borrowers to provide proof of income. This can be a certificate from the accounting department of the employing organization in the form of 2NDFL or in the form of a bank. Also, in some cases, usually for large loans, you may need a copy of the work book. It must be certified by a human resources specialist and have on each page the record "Copy is correct", the date of registration, the last name, initials and signature of the responsible officer, as well as the seal of the organization. Please note that these certificates are valid only for a month from the date of issue.
In addition to these documents, you can additionally present a certificate of ownership of an apartment or car - this will help the bank to verify your solvency.
Step 4
Come to the chosen financial institution with all documents. Fill out the loan application yourself or with the help of an employee of the organization. Check all the data, then sign the document.
Step 5
Wait for the bank's response to your request. It can come the same day for a small consumer loan, or a few days later. In case of a positive decision, come to the bank branch again to sign the agreement and receive funds. In case of refusal, in some cases, you can return your income statement in order to try to get a loan elsewhere.
