Alfa-Bank is one of the largest commercial banks in Russia. It has more than 100 branches in its list, each of which offers almost all types of banking services today.
It is necessary
- - passport of a citizen of the Russian Federation;
- - documents confirming income;
- - a copy of the work book certified by the employer;
- -an application for a loan;
Instructions
Step 1
Alfa-Bank offers more than a dozen different types of lending in its product line. A cash loan is in great demand, which in this bank can reach up to 2 million rubles for a loan term of up to 5 years. To consider an application for a loan, you must personally come to the bank branch or fill out an electronic form on the website. A huge advantage of the bank is a flexible approach to the client, since an individual rate is set for him based on the quality and economic characteristics of the client. It also depends on the completeness of the package of documents that is submitted to the bank.
Step 2
To apply for a loan for a product in a store, you need to contact a credit consultant, who, as a rule, is located in the same building with a question about crediting this or that product. If the product is included in the group of loans and you are completely satisfied with the terms of the loan, you need to fill out the questionnaire of a potential borrower. For consideration, you need to present a passport of a citizen of the Russian Federation and nothing else. On such consumer loans for goods, the decision is made within half an hour, which is immediately reported to you by the manager.
Step 3
To apply for a cash loan, you need to contact a bank branch or website. But in order to receive the maximum possible amount without collateral, it is better to appear in person. From the documents with you, in addition to your passport, you must have a 2-NDFL certificate with the specified salary for the last six months and one additional document to choose from:
- international passport;
- TIN;
- compulsory medical insurance policy;
- driver's license;
- pension insurance card;
If you are not an existing client of the bank to receive a salary, you will need to additionally provide any of the following documents:
- a policy of voluntary medical insurance;
- certificate of registration of your vehicle;
- a copy of the work book with the employer's stamps;
Almost all documents from the list are considered valid for 30 calendar days.
Step 4
To obtain a car loan, the procedure differs only in that the bank manager is often at the car dealership where the car is being bought. To obtain a loan for a car, the package of documents is identical for a cash loan, but a copy of the employment and income statement are already mandatory documents. There are also certain requirements for the borrower:
- the client must be 21 years old;
- registration must be in the region of the Alfa-Bank branch;
- monthly income must be at least 8000, 00 p. and be constant;
- work experience - more than a year;
Alfa-Bank does not work with non-residents of the Russian Federation.
Step 5
To buy an apartment on credit, in addition to a package of documents for an individual - the borrower is provided with the same package under guarantors, and this is a spouse, children over 18 years old, parents, close relatives. Choose an apartment that you are planning to purchase. Check with sellers if they agree to sell on credit, as often people do not want to do this. It is imperative to take from them all documents on the right to real estate and copies of their passports. It is necessary to contact the bank with the guarantors together, since everyone fills out his own questionnaire.
When lending collateral, the bank has the right to require other documents that it considers mandatory to confirm the necessary information.
