If you need to make an expensive purchase, then there is nothing better than getting a loan in one of the banks in the city. In Barnaul, credit organizations provide an opportunity to obtain not only consumer loans, but also a mortgage, car loan or a loan for business development. Depending on the purpose of the loan funds and the availability of collateral, the terms of lending are also distinguished.
It is necessary
- - passport of a citizen of the Russian Federation;
- - identification code;
- - certificate of income in the form of 2-NDFL.
Instructions
Step 1
Analyze your family's financial situation. Determine the amount of the loan that you need. After that, it is recommended to use a loan calculator and calculate the optimal repayment period and monthly payments. It is advisable that they are not a burden for your life and make up no more than 50% of your earnings. After that, you can choose the optimal loan program offered in the banks of Barnaul.
Step 2
Visit the nearest branches of credit organizations or their official websites. You can also use the site "Credit Expert" at the link https://banki-barnaula.ru, which contains a list of the city's main credit programs. Click on the link "Where to borrow?" at the top of the page and select the type of loan. After that, analyze the offered interest rates, loan amounts and maturities, as well as pay attention to the amount of commissions. Choose the best option.
Step 3
Fill out the loan application form. Most banks offer to perform this action online directly on the site. If there is no such service, then download the form and fill in all the data about yourself. After that, you can send the application by e-mail or bring it in person to the bank branch.
Step 4
Start collecting the package of documents that are needed to apply for a loan in Barnaul. The list of necessary certificates can be obtained from the bank when submitting the application form, but ideally it is advisable to start this procedure in advance. For consumer loans, as a rule, you need a passport of a citizen of the Russian Federation, an identification code and a certificate of income in the form of 2-NDFL. If you are taking a large amount or taking out a mortgage, you may need a guarantor who submits the same documents as you. If a pledge is required, then collect all the documents about the property and conduct its assessment at the request of the bank
Step 5
Get a positive decision on granting you a loan. Sign the contract and receive the money in cash, to a bank account or bank card. If you take out a loan to buy a product, then in some cases the money can be sent directly to the seller.
