Big cities provide dozens of opportunities for a profitable loan. Therefore, residents of a metropolis, for example, Krasnoyarsk, should not rush to get a cash loan at the first bank they come across. Take the time to choose the environment that works best for you.
It is necessary
- - passport;
- - certificate 2-NDFL or in the form of a bank;
- - military ID (for men up to 27 years old);
- - a certificate of pension insurance or a foreign passport.
Instructions
Step 1
Collect information about banks in Krasnoyarsk. A complete list of credit institutions can be found on one of the financial sites, for example, https://kbanki.ru/. You can choose any of the banks you are interested in from the proposed list and go to the institution's own website.
Step 2
Decide which loan you are interested in. You can get a mortgage, targeted or consumer loan. There are special offers for young people, retirees, military men, honeymooners. To determine which option is right for you, consider all the conditions of the loan.
Step 3
Assess your own capabilities. The more documents you provide, the more favorable conditions you will be offered. Most banks require a 2-NDFL certificate, a passport and one more document - a foreign passport, a certificate of voluntary pension insurance or a driver's license. Men under 27 years old must present a military ID. If you have a salary card from one of the banks, it makes sense to apply for a loan from this particular financial institution - banks tend to trust their customers.
Step 4
Make a list of suitable lending institutions. Contact the selected branches in person. Talk to a bank consultant - if all the conditions suit you, make an application for a loan. Its consideration depends on the terms of the loan - some loans can be obtained in an hour, while waiting for a response on others may take more than one week. If money is needed urgently, without delay, contact other banks from the list.
Step 5
Once approved, read the loan agreement carefully. If any points are in doubt, be sure to ask the consultant for clarification. After signing the contract, you can get money in cash or get a credit card. Do not forget to clarify how you will be able to pay off the debt. It is advisable that your bank has a sufficient number of terminals or offices where you can make a payment.
