Every year the banking services market expands with new offers. Nowadays, applying to a bank for a loan is becoming a common thing and hardly surprises anyone. In order to get a million, you need to collect a package of documents and choose the right bank.
Instructions
Step 1
First, decide on the goals of obtaining a loan. The most popular types of loans that meet the needs of the population:
- consumer credit - for urgent needs;
- car loan - for the purchase of a car;
- trade credit - for the purchase of expensive household equipment;
- mortgage - for the construction or purchase of housing;
- loan for education.
Step 2
Consider the need to borrow money. After all, a loan implies extra costs for paying off interest, bank commissions. Calculate the amount that you are able to give to the bank on a monthly basis. Most banks issue a loan on the condition that the client is able to pay half of the monthly salary. However, a particular case is also optimal, when the monthly installment on the loan is one fourth of the salary.
Step 3
Visit several banks. Get detailed advice on lending conditions, find out the interest rates offered by these banks and about the possibility of early repayment without fines and sanctions. The larger the requested loan amount, the higher the bank's risk and, accordingly, the stricter the lending conditions. Weigh all the advantages and disadvantages of the terms of lending, decide on the choice of the bank and the form of lending (currency, goals).
Step 4
Prepare and provide the bank's lending department with the necessary documents and their copies. The standard list of documents for obtaining a loan includes a passport of a citizen of the Russian Federation with permanent registration (one of the conditions is the borrower's age - at least 21 years); income statement form 2-NDFL for the last six months of permanent work, certified by the employer; tax registration certificate (TIN). Be prepared for the fact that the bank may require the borrower to bring in several guarantors or collateral documents.
Step 5
Wait for the result of checks of the authenticity of documents and information in them by the security service and the bank's lending department. Only then can you get the million you need so much. Banks offer the following forms of issuing an amount: cash, transfer to a card or personal account. The choice of the form is left to the client.
