Today, lending in Russia has become a fairly popular way of purchasing necessary things and paying for services. For example, a loan without collateral allows citizens to receive a certain amount of money, while they will not risk their own home or car.
It is necessary
A package of documents required for a loan
Instructions
Step 1
Determine the amount required and the loan repayment period. A lot depends on the size of the loan, including the interest rate, the complexity of the entire process and the package of required documents. If the amount is small, for example, about 5-6 thousand rubles is not enough, then it will be more profitable to turn to organizations specializing in the issuance of short-term loans. Of course, the interest rate they offer is quite high. But if you need funds before the next paycheck, then the overpayment will be invisible.
Step 2
Determine the most profitable loan program. It doesn't have to be the lowest interest rate. Perhaps the best option for you will be a small package of required documents, no moratorium or convenient terms of loan repayment.
Step 3
Contact the bank to apply. In the application, you must indicate all the main parameters of the planned loan, namely, the loan amount and maturity, as well as information about yourself - full name, salary and contact phone number.
Step 4
Find out the bank's decision regarding your loan. The term for a lending institution to make a decision depends on the chosen program. So, it can vary from a few minutes to one month.
Step 5
Submit a complete package of documents to the bank. A mandatory document will be a passport and driver's license (or other document confirming the identity of the borrower), other documents are provided at the request of the bank. As a rule, with the additional provision of a certificate of income, banks are ready to lower the interest rate or soften the terms of lending.
Step 6
Make an agreement with a credit institution. The contract must be read in full and very carefully, only then you can save yourself from unforeseen problems. After signing the documents, you will be able to withdraw the funds, the bank can issue them in cash or transfer to your card.
