How to get a loan in a bank of Russia
You will need
- - passport;
- - certificate of income;
- - A copy of the workbook.
Decide what you are going to spend your loan money on. The choice of a specific lending program depends on this. To buy household appliances, furniture, cars, apartments, the easiest way is to choose a target loan. In this case, there is a chance to get financing at a lower interest rate. For those who want to freely dispose of credit money, cash financing is most suitable. In the case when you want to receive small amounts of credit, but regularly, choose a credit card.
Collect documents for a loan. In addition to a regular passport with a residence permit, you may need a certificate of income in the form 2NDFL. It is also advisable to obtain a copy of the employment record in the personnel department of your organization, certified by the stamp of the company and the signature of the responsible employee. As additional documents to confirm solvency, you can present a vehicle registration certificate,certificate of ownership of the apartment, passport with stamps on crossing the border.
Contact one of the branches of the selected bank. Fill out the application for a loan. Provide information about your place of residence, passport details, information about the place of work and income. If you have other sources of money than salary, for example, income from renting an apartment for rent, you can also indicate it by adding to the basic amount.
Wait for the decision of the bank. Depending on the financial institution and the type of loan, consideration of documents may take from several minutes to a week or more. A long period of study of securities is typical, for example, for registration of a mortgage loan.
With the consent of the bank to give you money, visit its branch with a passport. Sign the loan agreement, after carefully reading it. Get your money in cash or by bank transfer.
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