What do you need to take a loan?

The credit has so firmly entered our life thatOnly the lazy never used this service of banks. Loans are very different - consumer, for urgent needs, car loans, mortgages for the purchase of housing, for business development, for the purchase of agricultural machinery and many others. Therefore, the question of what is needed to take out a loan arises very often.

Documentation

In order to take the most advantageous loan,turn to the most reliable bank. For many years, such is Sberbank. Now the loan for urgent needs there can be taken from 13.9% per annum. Terms of return are also the most profitable. But, here is the most thorough check of borrowers and their documents. It will be necessary to provide a passport, a copy of the work record card, certified in the personnel department, a certificate of wages or a certificate of 2 Personal Income Tax. Some banks (for particularly large loans) require a copy of the employment contract, which indicates that it is unlimited. Also you will need to provide the phones of your guide. A call will be made to you to work with the purpose of finding out how firmly you are "sitting in your chair," that is, are not you going to be dismissed.

If you want to take a loan without sureties, thenyou can not expect a large amount in this bank. With one or two guarantors, the loan amount can be much higher - up to one and a half million rubles.

There are options

You can find different banks in whichthe procedure for issuing a loan is much simpler. You can take a loan on your passport. And you will not be asked for any more documents. But, in this case, be prepared for a very large percentage - up to 72% per annum. Checking your identity will take no more than half an hour, you will be immediately given away your money. However, the amount will be small. The bank will never risk a large sum.

Less interest can be seen in banks whereIn addition to the passport, one more document is needed - either a driver's license or a passport. Here, the percentage will go up to 36. The most important advantage of such loans with a high interest rate is that they do not need a certificate of income.

If you want to take a small loan withminimal problems, then you can apply for a loan without collateral. Nevertheless, interest will also be high. Each bank is different, and private investors generally up to 7-12% per month! Remember the rule - the simpler you take the loan, the tougher its conditions.

And yet, many private traders offer to take a loansecured by real estate. In legal practice, a lot of legal proceedings with cases of fraud of creditors. The loan agreement specifies the conditions when the apartment goes to the lender. And on this come across many borrowers, especially inexperienced pensioners. If you want to profitably and reliably take out a loan secured by an apartment, then go to a trusted bank - Sberbank, VTB 24, Rosselkhozbank. Now the Trust Bank, the Russian Standard, Home Credit and many others are developing at a fast pace. Visit as many bank offices as possible, collect information about them and credit conditions. And then you can decide where it is more profitable for you to take a loan.