In the modern Russian market of banking services, there are many proposals for lending to individuals. In this case, it is important to choose the right loan so that you do not later regret paying high interest rates and an inconvenient debt repayment scheme.
It is necessary
- - passport;
- - income statement;
- - a copy of the work book.
Instructions
Step 1
Decide what you are going to spend the loan money on. The choice of a specific lending program depends on this. For the purchase of household appliances, furniture, a car, an apartment, the easiest way is to choose a targeted loan. In this case, there is a chance to get financing at a lower interest rate. For those who want to freely dispose of credit money, cash financing is most suitable. In the case when you want to receive small amounts on credit, but regularly, choose a credit card.
Step 2
Collect documents for obtaining a loan. In addition to a general civil passport with a residence permit, you may need a certificate of income in the form of 2NDFL. It is also advisable to get a copy of the work record book from the HR department of your organization, certified by the firm's stamp and the signature of the responsible employee. As additional documents to confirm your solvency, you can present a certificate of registration of a vehicle, a certificate of ownership of an apartment, a passport with stamps on crossing the border.
Step 3
Contact one of the branches of the selected bank. Fill out the loan application form. Provide information about your place of residence, passport information, information about the place of work and income level. If you have other sources of money besides salary, for example, income from renting an apartment, you can also specify them by adding to the principal amount.
Step 4
Wait for the bank's decision. Depending on the financial institution and the type of loan, consideration of documents can take from several minutes to a week or more. A long term for studying papers is typical, for example, for obtaining a mortgage loan.
Step 5
If the bank agrees to provide you with money, visit its branch with a passport. Sign the loan agreement after reading it carefully. Get the money you owe in cash or by bank transfer.
