Currently, the list of services of commercial banks for lending to individuals is constantly expanding. They increasingly offer loans for which a minimum list of documents is required, which is quite convenient for a potential borrower, especially if he does not have the opportunity to prove income.
Instructions
Step 1
You can hardly get a loan without a passport with a registration mark. Commercial banks will not risk lending money to an unknown person. After all, the probability of no return in this case is almost 100%. But it is very possible to get a loan without income certificates, especially since banks are now offering a special program called "Credit without income certificates".
Step 2
In this case, you will not need to provide the bank with a 2-NDFL certificate, besides, not everyone can take it from the employer: someone receives an unofficial salary, someone simply refuses to issue a certificate of income. In this case, you need to contact the bank, where they issue money without this certificate. You will be asked to indicate your income only in the questionnaire, but, as a rule, no one checks it.
Step 3
The conditions in this case are the same in almost all banks. The loan amount is usually 10–150 thousand rubles. The term of the agreement does not exceed 2-3 years. The interest rate on such loans is quite high, since the risk of untimely debt repayment is significant for the bank. Get ready for the fact that a second document will also be required of you. This can be a student or military ID, driver's license, work book.
Step 4
Another type of loan that requires a minimum package of documents is "Express loan". You will need a passport with a residence permit and one more document to choose from: TIN, driver's license, etc. The decision on this type of loan is made during a conversation with a potential borrower. The manager will ask you several questions regarding your income, place of work, marital status. There are very few refusals for Express Loans. The bank does not enter into an agreement only if the borrower behaves inappropriately.
Step 5
These loans are very popular. They are widespread when buying furniture, household appliances, electronics. Now money is given out in this way even for cars. But in this case, you should not delude yourself: the interest rates for these loans are quite high. In addition, you run the risk of overpaying significant amounts of commissions.
