At first glance, getting a loan is easy. Many Novosibirsk banks offer different lending options. The most popular loan - consumer - today is issued by both regional branches of banks and small stationary points located in shopping centers. What needs to be done in order to choose the most favorable conditions, correctly submit an application and receive the desired money?
It is necessary
- - passport;
- - additional identity document (certificate of pension insurance, driver's license, international passport with recent visas);
- - military ID;
- - certificate of income (at the request of the bank).
Instructions
Step 1
Decide on the amount and purpose of the loan. Choose a bank depending on this. Please note that in the same bank the conditions for different types of loans may differ significantly. And if you belong to “problem borrowers” - have not reached the age of 23 or, on the contrary, are at retirement age, do not have the opportunity to provide a certificate of income, already have overdue loans - the number of suitable banks will decrease dramatically. But this does not mean that you will not be given a loan. Without a certificate of income, it makes sense to contact, for example, Credit EuropeBank, B&N Bank or Levoberezhny Bank. Those who are only 22 years old will be glad to visit OTP Bank branches or the Bank of Moscow. Pensioners are expected at Sberbank or Sovcombank. Well, for those whose credit history is not ideal, they may be helped by Home Credit Bank. Some banks offer special conditions for certain categories of borrowers. For example, Alfa-Bank has an interesting loan offer for employees of other banks.
Step 2
List the banks you are interested in. Go to their websites, see information about loan products and requirements for borrowers. Please note that different loan products have their own requirements. For example, to obtain a cash loan, you may need an income statement, but you can get a credit card without it. If you have any additional questions, call the indicated numbers and find out everything of interest from the operator.
Step 3
Collect a package of required documents. If you need a certificate of income, clarify whether you can limit yourself to a certificate in the form of a bank or you need to request a 2NDFL certificate from the accounting department. Do not forget your passport, additional identity document (certificate of pension insurance, driver's license), for men under 27 years old, a military ID is required. An income statement is also desirable. A foreign passport, a copy of a work book, certified by employers can increase your chance of obtaining a loan or better credit conditions.
Step 4
The next item is a visit to the bank. Fill out the loan application yourself or with the help of a consultant. Attach copies of the required documents to your application. Now your task is to wait for the bank's decision. He needs time to verify the information received from you. Be prepared for a call from the bank to clarify the information. Bank specialists can call your employer and those persons whom you indicated in the application as your acquaintances. Warn them about a possible call.
Step 5
You will receive an answer about express loan quickly - within an hour after applying. Deciding on other types of loans can take much longer. If after a week there is no response from the bank, call them yourself. The silence of the bank does not mean at all that you have been denied a loan.
Step 6
Got Loan Approval? At the appointed time, come to the bank to finalize the documents and receive cash or a bank card. If you still receive a negative decision, do not be discouraged. Feel free to contact the next bank on the list. Perhaps it is there that you will receive a loan - and it is possible that the conditions will be even more favorable.
