Bank loans have become an important part of Russians' lives. Indeed, they can provide an opportunity to immediately purchase a product or service for which you had to save up for years. At the same time, it is important to know the specifics of filing an application with the bank in order for it to be approved. The specificity of the process of receiving money is also in various cities, for example, in Perm.
It is necessary
- - passport;
- - income statement;
- - a copy of the work book;
- - documents of ownership.
Instructions
Step 1
Choose the loan that best suits your case. If you are going to finance commercial activities, opt for a loan for business development - you will need to present a lot of documents, but a loan for such purposes can be obtained at a very favorable interest rate.
To buy household appliances or a car, choose a targeted consumer loan - it is quickly processed and does not require additional documents. You will be able to receive your purchase the same day.
A mortgage loan is ideal for buying an apartment. And if you want to spend money for several different purposes, apply for a cash loan - in this case, you can manage the money as you wish.
For loans of small amounts and for a short time, a credit card is also suitable.
Step 2
Find a bank that provides the most favorable conditions for your chosen loan program. This can be done, for example, using the Internet resource "Banks of Perm". There, in the "Banks" section, you will find a list of financial institutions in the city of Perm. Among them there are both large federal companies, for example, Alfa-Bank or VTB-24, and regional ones, such as Perminvestbank. Using this directory, go to the website of the bank itself and get information about interest rates, amounts and conditions of lending. Also check out the "Special Offers" section, which contains information about promotions from various banks, for example, about lowering interest rates.
Step 3
After choosing a specific loan, collect the necessary documents to receive it. A passport is usually sufficient for a loan for the purchase of household appliances. For a cash loan, they will most likely ask for a certificate of income and a copy of a work book, certified by the employer. For a mortgage loan or financing for business development, you may need a much larger list of documents, which can be consulted at the bank.
Step 4
Come to the branch of the bank of your choice. Consumer loans for goods can usually be obtained at the store, as there are mobile bank branches.
Step 5
Give all the documents to the bank employee, fill out the loan application form. After that, your application will go for consideration. It can take from a few minutes to a week or even longer. If the bank has approved your application, sign the agreement, after reading it carefully, and you will receive money or goods.
