In the 2000s, loans became one of the most popular banking services. The widest choice of banks and financing programs in large cities, for example, Vladivostok.
Instructions
Step 1
Find the bank that offers the terms that are most interesting to you. A complete list of banks with offices and main branches can be found on the Banki.ru portal. Pay attention not only to large federal financial institutions, but also to local banks. The most interesting offers of such banks are presented in the segment of cash secured loans. For example, Far Eastern Bank and Primorsky Territorial Bank are ready to provide loans at 14, 5% and 15% per annum, respectively. The undisputed leader in the segment of educational loans can be considered Sberbank with its 5% rate subsidized by the state. Banks existing only in Vladivostok will not be able to provide such a loan at less than 15%.
Step 2
Having chosen the bank you like, collect the documents necessary for obtaining a loan. They may differ, but most often, in addition to a passport, they require a certificate of income and a copy of a work book, certified by the employer. For purchases on credit of various goods, for example, household appliances, two documents are enough - a passport and a driver's license or military ID.
Step 3
Come personally with all the papers to the office of the selected bank. Please note that, unlike Moscow and St. Petersburg, most local banks work until six, maximum - until seven in the evening. There are also exceptions, for example, branches located in large retail chains. Fill out the loan application form. Include name, address, place of work, income level, and existing credit obligations.
Step 4
Wait for the application to be reviewed. If approved, come to the bank in person and sign the agreement for the provision of banking services. Study it carefully beforehand so that you are not offered funding with any hidden fees.
