Obtaining a loan should be taken seriously and carefully, choosing the most favorable conditions for yourself. The modern banking services market provides all the opportunities for this not only in the capital, but also in smaller cities, for example, in Tambov.
It is necessary
- - passport;
- - certificate of pension insurance;
- - a copy of the work book;
- - income statement;
- - military ID.
Instructions
Step 1
Think about why you need to get a loan. The choice of a specific banking product depends on this. If you want to purchase a specific product, for example, a piece of furniture, a car, an apartment, then choose targeted loans - for such loans, the interest rate may be lower or not charged at all, as in some types of loans for household appliances. If you want to keep the possibility of free disposal of money, apply for a cash loan. You can spend this loan at your own discretion.
Step 2
Decide which bank you want to contact. In addition to large federal organizations such as Sberbank, there are also local banks in Tambov. For example, loans in cash and for the purchase of a car are provided by Tambovkreditprombank. A complete list of financial institutions operating in Tambov can be found on the Banki.ru website. There is also a catalog of loans with a full description of the conditions and offered interest rates.
Step 3
Collect the package of documents required to obtain a loan. Papers such as a certificate of income in the form of 2NDFL and a copy of the work book are best ordered from the employer in several copies. In this case, you can submit applications to several banks at the same time, and after their approval, choose the most advantageous offer.
Step 4
Contact the bank with all additional documents. Fill out the loan application form. In it, indicate your passport details, address, place of work, income level, as well as loans that you previously took or continue to pay. The more accurate you are, the more likely you will be able to get the loan approved.
