Most banks require proof of solvency from those who take out a loan. Most often, a salary certificate is required. However, there are loan offers on the market, according to the terms of which such a certificate is not required or required.
Instructions
Step 1
Get a merchandise credit. In most cases, only a passport is required to obtain such a loan, sometimes a second additional document to choose from, for example, a driver's license or an international passport. The only drawback of such a loan is that you can purchase a very limited list of goods with it. Typically, such financing is issued directly in the store, for example, household appliances, and your choice will be limited to the range of this outlet. The advantages of a commodity loan include the relative ease of obtaining and a fairly low interest rate compared to other forms of loans. In some cases, you can even get an interest-free loan, which in fact can be equated with an installment plan.
Step 2
Contact the bank in which a certificate of income is not required even for a cash loan. Such financial institutions include, for example, Sovcombank. There, funding is issued on two documents, without certificates and a copy of the work book, and information on income is filled in with your words. However, be prepared for the fact that the interest on such a loan will be quite high - on average, about 30% per annum or more.
Step 3
If you cannot get a salary certificate because you are not an employee, please submit your last tax return to the bank. This option is suitable for individual entrepreneurs, lawyers, notaries, as well as other people in private practice, such as tutors.
