How to correctly and competently Today, living "in debt" has become so fashionable that any person should know the answer to this question. This question should worry even those who are firmly "against" bank loans.

No one is immune from force majeure circumstances, when a large amount of money is urgently needed, which simply may not be available, and for which there is absolutely no time. Therefore, everyone should know the rules for taking and applying for a loan at a bank, regardless of their life position, status in society and financial situation.

Necessary conditions for a borrower before applying for a loan

Before you start applying for a loan at a bank, the borrower, for his part, must necessarily fulfill some conditions, which we will consider below.

Conditions 1. Determine how much you can pay for the loan each month

Before you start applying for a loan while still at home, determine how much you can afford to pay monthly on the loan. Usually, this amount is about 20 - 30% of your monthly income. If the monthly payment on the loan will "fit" into this amount, then you can afford it. And, if not, then this loan is better not to take. Otherwise, it will be very difficult for you to complete it.

Condition 2: Availability of a financial airbag

When applying for a loan, it will be best if you have available. So you will protect yourself from force majeure circumstances that will lead to the fact that you will not be able to pay monthly payments on credit. If you don’t have such a pillow, then it’s better to create it first, and only then go to the bank for a loan.

Conditions 3. Choose the right type of loan

Before, get as much information as possible about all types of loans from banks that you have chosen. Evaluate all their advantages and disadvantages, calculate its price in advance and how much it will cost you. You can do this yourself, on the bank's website, or use a special online calculator. As a rule, interest rates on directed loans are lower and they end up costing the borrower less.

Condition 4. Availability of down payment

Condition 5. Correctly determine the amount of the loan

Take as much credit as you really need. And for this, make the necessary calculations in advance, and indicate in the loan application how much money you really need.

Condition 6. Choose the currency of the loan

Do not "be fooled" by the persuasions of banks, and take a loan in the currency in which you receive your income. Otherwise, you risk not only overpaying very much, but also depriving yourself of the opportunity, in general, to pay off the loan.

Condition 7. Insure your life and health

About 50% of loan defaults and delinquency are due to health problems.

What to consider when applying for a loan

Getting a loan from a bank is not the end, it is just the beginning. It is not enough just to take it, it will still have to be paid for a rather long period of time, which will have a significant impact on your financial well-being. As the saying goes: "We think ten times and act only once." Therefore, never rush into this matter, and when applying for a loan, be sure to consider the following facts.

1. Requirements for the borrower

The more requirements the bank makes to the borrower, the more reliable it is and the lower interest rate on credit. So if you want to get a loan for favorable conditions, wait a little with registration and collect the maximum number of certificates and documents.

You can read how and where you can get a loan without an income certificate and guarantors, but with a bad credit history - from this one.

1. Loan interest rate

The interest rate on the loan displayed on the websites of banks is just a basic one, which can be increased depending on several factors: the loan term, insurance, and the borrower's income.

1. Loan terms

The longer the loan term, the lower the monthly payment. And than longer term loan, the greater the overpayment on it.

1. Credit cards

Credit cards, as often happens, end up costing their owners much more than cash loans. This happens because:

• firstly, when paying with cards, a person spends more than when paying in cash;
• and secondly, interest rates on credit cards are much higher.

1. Additional services when applying for a loan

In addition to the official interest rate, banks often wind up a commission for various kinds of services. For example, for issuing a loan, for monthly loan servicing, for consulting and other payments. Each bank sets its own fees for Additional services.

1. Loan repayment terms

Each type of loan and loan program has its own conditions for repayment of the loan, which must be reflected in the agreement. Therefore, when signing it, be sure to carefully and carefully read everything.

The loan can be repaid in two ways:

• in equal parts;
• differentiated payment (interest is calculated on the residual amount of the loan, respectively, the payment decreases every month).

When concluding an agreement, specify the method of repaying the loan, and, of course, it is better to choose one that can be repaid ahead of schedule.

True, some banks have a condition: do not return loan funds ahead of time, until a certain time has passed since the conclusion of the contract.

1. Loan security

The provision of collateral belonging to the borrower, or a guarantor with high solvency in the form of loan security - determines the interest rate on the loan, as well as the fact of issuing or refusing to lend.

As a rule, if a credit institution does not require loan security, then in this case it sets a higher interest rate than for a loan with collateral and guarantee. This way they simply reinsure themselves against possible risks.

And, if the loan requires collateral in the form of collateral and surety, then banks may require to insure mortgaged property. This, too, is just for them to insure.

You can read about how you can take an individual entrepreneur loan without collateral and a guarantor, and for a small business -.

1. Difficulties with returns

Any borrower always faces the risk of delay or non-payment of his debt, for which banks charge fines and penalties.

Even before signing loan agreement carefully read all the conditions of the bank and realistically evaluate your financial opportunities. Otherwise, a loan, instead of a lifeline, will become an unbearable bondage. The main thing to remember is that you should not take out a loan if the monthly payments on it exceed 40% of your income.

And, if, God forbid, of course, you suddenly have certain difficulties with paying off the loan, then be sure to let the bank know about it. They are not monsters and there is no need to be afraid of them. You should always have a dialogue with them, and they will definitely meet you.

How to get a bank loan. Step-by-step instruction

What needs to be done, and what to pay attention to, before applying for a loan, we discussed above. Now we will analyze how to get a bank loan in just six steps.

Step 1. Choose the type of loan and the loan program

It is necessary to choose the type of loan and the loan program, based on the goals for which you are going to take it. It is more profitable if you take targeted loan, designed specifically for issuing a loan for your purpose.

Today, banks for each type of loan are developing many lending programs with different conditions for obtaining and requirements for the borrower. Therefore, try to get as much information as possible on a variety of loan programs, and choose from this huge list with the most favorable conditions.

Step 2. Choose a bank for a loan

is a bank that:

• located across the road;
• has a license to carry out this type of activity;
• is reliable and occupies the highest places in the ranking of the best banks;
• and where the most advantageous lending programs are available.

The bank "across the road" means that it should be in close proximity to you, and in order to get there, you did not need to travel to another city.

The availability of a license to issue loans can be checked on the website of the Central Bank of the Russian Federation. In the same place, you can see the rating of banks.

In order to attract customers, banks regularly develop new lending programs with more favorable conditions, from which you can choose the most suitable one for yourself. You just need to search.

Step 3. We agree with the bank all the conditions for obtaining a loan and submit an application to the bank

You will need to make sure that you have studied all the conditions of the bank before getting a loan. Do not be shy and ask as many questions as possible, even on things that are obvious at first glance, find out about all potential loan payments, possible fines, restrictions, special conditions, etc.

If everything suits you, you can fall, which is a mandatory form, where all the necessary data is entered. The application can be submitted in two ways: either personally come to the bank branch, or do it via the Internet on the bank's website. After that, you will need to wait for the bank's response.

Step 4. Collection and submission of necessary documents to the bank

Regardless of the loan product you choose, you will need to collect Required documents to get a loan. Each bank has its own list of required documents, which also depends on the type of loan and the lending program.

Usually the list standard documents for a loan is as follows:

• original passport and photocopy of all its pages;
• a copy of the work book certified by the personnel department or any other document that confirms the client's employment - a certificate from the employer, a contract, an extract from the work book;
• certificate of income in the standard form 2-NDFL or in the form issued by the bank. If, in addition to wages, a bank client has a third-party source of income (from renting out real estate, pensions, etc.), then documents confirming it are provided - such papers can significantly increase the chances of obtaining a loan;
• documents that confirm the existence of a delay from military service- military ID, registration certificate and others. Required only if the borrower is under 27;

Many financial institutions, in addition to the documents listed above, may require additional documents.

• vehicle registration certificate or driver's license;
• TIN;
• insurance certificate of the pension fund;
• international passport - if available;
• All insurance policies- CASCO, OSAGO, CHI and others;
• original certificate confirming that the borrower is the owner of the property, or a copy thereof;
• bank statements, any documents confirming the existence of these accounts or securities;
• photocopies of papers about the education received: certificates, diplomas, certificates, certificates.
• account statements, copies of previously executed loan agreements, certificates from credit institutions confirming the absence of debts;
• copies and originals of birth certificates of children, marriage or divorce.

In any case, you will need to clarify all required list documents and prepare them in advance.

Step 5. Conclusion of the contract

In the case of a positive decision of the bank to grant you a loan, you will need to come to the bank branch to apply for a loan. In the presence of guarantors and a pledge of property, a guarantee agreement and a pledge agreement are also concluded.

Before signing the contract, check whether all its conditions correspond to those that you agreed with the bank in advance. Carefully read the text marked with an asterisk or small print: the bank may include in the contract its right to change the interest rate, terms and other conditions.

And most importantly, pay attention to the fact whether the bank has the ability to change the terms of the contract at its discretion. And, if they can, then discuss this issue with a bank employee in advance, and only after that sign the contract.

Step 6. We receive money

After the conclusion of the contract, you will only receive the money. They will either be given to you at the box office, or they will issue you a bank card and transfer the money there. In any case, you yourself can decide how you will receive them.

If you decide to transfer money to a bank card of this bank and decide to connect Internet banking to it, be careful with your phone. And then, in case of any circumstances, your SIM card will get to another person, or another person can use it, then your credit money can easily be used.

About how to take consumer credit at a minimum percentage, you can read.

Now you know what you need to know and consider in order to get a loan from a bank. And, the above instructions for applying for a loan will help you do everything correctly and competently. And, if for some reason you were not approved for a loan, then you should know that you can always go to special specialized organizations.

Also, you can express your opinion about the article and the site itself in the comments, indicate the shortcomings of this resource.

The site MyRublik will be very GRATEFUL to you.

1. In conditions of increased key rate Citizens need to be especially vigilant when applying for new loans. The first thing to look at is the reputation of the bank and its place in the market. When taking a loan, you must understand exactly who you are borrowing from. Going to the bank or micro financial institution, check that it financial institution officially registered with the Central Bank (for example, on the website www.cbr.ru). Otherwise, you are more likely to fall into the hands of scammers.

2. The second thing that the borrower needs to pay attention to is the specific content of the loan agreement, its text. When signing a loan agreement, do not forget for a minute that you are signing your obligations to the lender. For each position of this document you are responsible to it. By law, you have five days to decide on the contract. All negotiations with the creditor must be recorded only in writing. In all relationships with the creditor, get written evidence of your actions and your position. Remember: you stand up for your money. And if you have to defend them in court, the "the bank told me" argument won't work.

3. Credit money should work for you and only for you. The money you take will have to be paid back. And with interest! So a loan should solve your problem, not indulge a whim. For example, an educational loan will increase your "value" in the labor market, and a mortgage will give you the opportunity to build or expand a family.

4. You also need to understand that a loan should be taken only in the currency of income. No matter how much you are told about the benefits of "exotic" loans - for example, in foreign currency- remember that in this case the bank shifts the currency risks to you. This is especially true given the current volatility of the ruble against the dollar and the euro.

5. The documents themselves, that is, the text of the loan agreement, must be kept as the apple of an eye. Neither by phone nor on the Internet do not provide information about your loans and deposits. The better you protect your documents from prying eyes, the less likely they are to be used by unscrupulous people. In addition, the ease of obtaining credit money can give rise to a "light" attitude towards their return. You can forget about the day when you need to make the next payment. But the lender will never forget this and will not fail to impose penalties on you.

6. When you receive a loan, you may be offered to issue a bank card to which you will be put money. A bank card is certainly a very convenient means of payment. But there are cases, not so frequent, when money disappears from it. One way to limit the access of fraudsters to your money is to set a card limit that will allow you not to risk too much money. And watch your phone! If your phone is connected to the "mobile banking" service, follow the phone as if it were a bank card. Are you ready to transfer it to "third parties"? The same should be done with the phone. If you do not use the SIM card for a long time, your mobile operator can transfer it to another person, and this person does not necessarily turn out to be a decent person.

7. Do not take out a loan from the same bank where you have a deposit. Otherwise, an unexpected situation may arise for you: if the bank loses its license, you will not be paid the deposit insurance until you repay the loan debt. Do not build a credit "pyramid". Can't take new loan to pay off the former. Sooner or later, such a "pyramid" will collapse, and you will not get out from under the rubble.

8. Do not contact financial "sorcerers". "Anti-collectors", dubious "lawyers" and other "fixers" promise you to take care of all your financial problems, but only as long as you can get something from you. Your money will run out, but your problems will remain with you.

9. President of the Association of Russian Banks Garegin Tosunyan also advises Russians to pay attention to their financial health and clearly calculate its parameters. You need to round income down and expenses up, he says. "We need to proceed from the risk of a decrease in income, we need business pessimism, we need to objectively assess the situation on the labor market, inflation, the ruble exchange rate," he told RG. The interlocutor believes that it is right for the bank to give 25 percent of its monthly income. Such a borrower is a comfortable-risk one for banks. But some banks receive 30-35 percent of the monthly income of their borrowers.

10. According to Vasily Yakimkin, Associate Professor of the Faculty of Finance and Banking, RANEPA under the President of the Russian Federation, when lending in banks, individuals should pay attention to the debit-credit ratio, that is, the ratio own income and expenses. As soon as this difference becomes less than zero, it will mean financial ill health. Then you need to cut costs, look for more profitable work, increase your earnings, and generally optimize your costs. Vasily Yakimkin believes that it is more comfortable for Russian citizens to give the creditor no more than 30-40 percent of their income per month. But if the income of citizens exceeds living wage dozens of times, then banks can be given even half of the salary, since this will not be critical.

Interest rates on loans have recently increased by about 2-3%, this is due to the expectation by banks of the second wave of the crisis.

But, nevertheless, banks are in a rather tough competition, they are interested in attracting more customers. This is reflected in the variety of loan programs offered, among which you can choose the most suitable one.

However, banks, widely advertising their services, often mention low interest rates and favorable conditions without overpayment. It is not always worth believing such advertising, but it is better to make sure that the offer is profitable by studying in detail the conditions of the proposed loan. This article will provide various tips that will help you make your choice, understand some of the tricks and "pitfalls" of lending.

It is worth remembering that interest on a loan and interest on a deposit should not be considered as equivalent amounts, since they are calculated according to a different principle. Interest on a loan is usually higher, but they are charged on the balance of the debt, which gradually becomes less. Therefore, by taking a loan of 100 thousand rubles at 23% per annum, you will overpay about 12.5 thousand rubles per year, and by making a deposit at 12.5% ​​per annum (some banks offer such conditions), you will receive the same amount as arrived.

Almost any bank can offer several lending programs. They can be roughly divided into two groups:

• loans to those who need to receive funds in the shortest possible time, while there is no way to prove their financial income;
• loans for those who have some time and the ability to collect the necessary documents.

Express loan is the fastest way to get money, but the percentage here is, of course, very high. In this case, if the bank does not have time to check the reliability of the borrower, all risks are included in high stakes. Ordinary loans, when the bank checks the documents provided by the client and makes a decision within a few days, are more profitable in terms of overpayment.

Since the choice of offered lending programs is very wide, it is worth choosing for yourself several suitable ones in different banks, and applying for a loan in each, and then finally choosing the most profitable option. You can use the Internet by visiting the websites of banks. Often on such sites you can calculate upcoming payments using special loan calculators.

• www.banki.ru
• www.credcalc.ru
• www.sravni.ru

When choosing, consider the following points:

1. First of all, pay attention to your payroll bank. Banks offer additional benefits if the client receives wages on the card of this bank. If the conditions do not suit you, then consider the offers of large banks. It is better if it is a state or foreign bank, the rates of such banks are lower due to lower risks.
2. Be sure to ask what the effective rate will be, or total cost loan. For you, this is the most important indicator by which you can compare the offers of different banks. The effective rate will include the nominal rate and various commissions charged by the bank when processing and servicing the loan. It is worth noting here that for advertising purposes, banks often offer interest-free loans, but they compensate for the lack of interest with various commission payments. As a result, it turns out that an interest-free loan is not the most profitable.
3. For most borrowers, it is easier to navigate the various offers by comparing the amount of the overpayment. This indicator is even more visual than interest rates and will let you know if you are choosing an expensive or cheap loan.
4. Amount, term and currency of the deposit. The amount should be the one that you really need, it is better to choose the shortest term, but so that the monthly payments are about 20-30% of your income - experts consider these conditions the most comfortable. It is better to take a loan in rubles, so as not to depend on changes in the exchange rate.
5. If possible, you should always take insurance, especially if the loan is a large amount. An insurance policy, at a low cost, will reduce your risks.
6. Carefully study the terms of the contract, especially the clauses marked with an "*" and having explanations in the form of a footnote in small print. Sometimes you can find rather veiled transcripts and explanations in these footnotes, in some “magical” way turning 0% per annum into 15%, or masking large one-time commissions, but they always need to be reduced to three important indicators: effective annual rate, one-time commission, monthly commission.

The conditions for early repayment of the loan are very important, as this allows you to reduce the final costs. Banks are required by law to allow early repayment, but since they don't want to lose their interest income, they apply various penalties.

For example, there are moratoriums on early repayment of a loan for a certain period from the moment the loan is issued. This is introduced so that the bank can receive a certain guaranteed benefit from lending. For consumer and auto loans, this period can be equal to 3 months, for mortgages - from six months.

At early repayment A bank loan may provide for various commissions, but since 2011 they have been considered illegal, and you have every right to file a lawsuit. If the loan is a small amount, then the commission will also be small, but in the case of a mortgage, the amount will be significant.

Find out the size and procedure for making the minimum amount of early repayment of the loan. In the event of additional free funds you will be able to reduce the debt base on the loan, and, thereby, reduce the percentage of overpayment on it. But there is a certain peculiarity here: banks, as a rule, set a lower limit on the amount of early payment.

Please note that the bank first deducts the amount from your account, and then compares the balance of funds with the size of the minimum early repayment amount. If you applied for early repayment, and the amount of the account balance exceeds the required minimum amount, then early repayment will take place. If the account balance is less than the indicated amount, then it will simply lie on your account until the next payment.

There are two loan payment schemes. Annuity scheme involves the payment of equal amounts over the entire term of the loan. First, interest payments prevail, then the principal amount is paid. This scheme is convenient in that the funds are deposited fairly evenly.

With a differentiated payment scheme, the initial amounts repay the principal debt, their size is large enough, which is far from acceptable for everyone. Such a scheme is more beneficial for those who would like to. It will reduce the amount of payments by reducing the principal amount of the debt, in accordance with which interest is charged. Naturally, the smaller the balance of the debt, the smaller the amount of interest on it. As a result, the amount of interest for differentiated payments is less than for annuity payments.

You can significantly reduce the interest rate on a loan (sometimes up to 10%) by submitting documents confirming your income to the bank (certificate 2-NDFL). Also of some importance is a positive credit history, work in the last place for at least a year, the presence of guarantors, as well as whether you were previously a client of this bank.

For large amounts of debt, such as mortgages, it may be wise to seek the advice of a specialist broker. In this case, the payment for his services may be much less than the amount of savings, both time and money.

Last update:  03/07/2020

Reading time: 15 min. | Views: 12970

Good afternoon, dear readers of the financial magazine "site"! Today's post is dedicated to a popular topic - consumer lending. We will tell you what a consumer loan is, where and how to get it on favorable terms, in which bank it is really possible to get a consumer loan without income statements and guarantors at a minimum percentage.

From this article, you will learn:

• What is called a consumer loan and what are its pros and cons;
• What are the forms and types consumer loans;
• What steps do you need to go through to get money for consumer needs;
• In which bank is it better to take a consumer loan with a minimum interest rate;
• Where loans are issued without certificates and guarantors;
• How to make the necessary calculations.

You will also find information about on-lending (refinancing) of consumer loans and answers to frequently asked questions.

The article will be of interest to those who want to take a loan with maximum benefit and comfort. Moreover, the presented publication will be useful to read for everyone who is interested in finance, including personal.

Rank	Compare	Pick up time	Maximum amount	Minimum amount	Age limitation	Possible dates
1		3 min.	30 000 rub.	100 rub.	18-65	7-21 days
2		3 min.	70 000 rub.	2 000 rub.	21-70	10-168 days
3		1 min.	80 000 rub.	1 500 rub.	18-75	5-126 days
4		4 min.	30 000 rub.	2 000 rub.	18-75	7-30 days
5		-	70 000 rub.	4 000 rub.	18-65	24-140 days
6		5 minutes.	15 000 rub.	2 000 rub.	20-65	5-30 days

By the way, Better conditions on loans offer following companies:

Rank	Compare	Pick up time	Maximum amount	Minimum amount	Age limitation	Possible dates
1		3 min.	30 000 rub.	100 rub.	18-65	7-21 days
2		3 min.	70 000 rub.	2 000 rub.	21-70	10-168 days
3		1 min.	80 000 rub.	1 500 rub.	18-75	5-126 days
4		4 min.	30 000 rub.	2 000 rub.	18-75	7-30 days
5		5 minutes.	15 000 rub.	2 000 rub.	20-65	5-30 days

Now back to the topic of our article and continue.

What is a consumer loan and how to get it, in which bank you can get a consumer loan in cash without income statements and guarantors - read on about this and more

Today man is surrounded by offers of credit. Calls for a loan are pouring in from everywhere: from TV and newspapers, from advertising posters, from Internet mailing lists. At the same time, not everyone understands what consumer loans .

Meanwhile, exactly customer credit today is one of the most promising services on banking market. For the client, the convenience of such a loan lies in the ability to use the money received as he wants.

As for the definition, consumer credit is a loan, which is provided by a credit institution (bank) to an individual to meet own needs. Directions for spending the funds received may be different, For example payment for any goods or services.

Basic feature consumer credit is no need to confirm the direction of spending borrowed money . Even in cases where the bank asks to indicate the purpose of borrowing in the application, no one will check this information.

Moreover, for a consumer loan, the registration procedure easier than for other types of borrowing. Need to provide much smaller list of documents, and it will take a little time to receive money.

Basic purpose such lending is growth of consumer opportunities. So get a loan consumer goals possible not only in bank, but also in stores. At the same time, today such a service is provided even online shopping in online mode.

2. Advantages and disadvantages of consumer loans 🔔

Like any other financial service, consumer credit has a number of advantages and disadvantages . Before deciding to apply for a loan of this format, any citizen should carefully read them.

2.1. Benefits (+ ) consumer credit

Benefits of a consumer loan include:

1. Possibility of using funds at the discretion of the borrower is the main advantage.
2. There is no need to provide collateral and guarantors. In the course of the struggle for each client, banks are constantly simplifying the procedure for obtaining consumer loans. The package of documents for obtaining such a loan is minimal, often only a passport is needed.
3. Minimum time costs. Due to providing a minimum of information, banks issue consumer loans very quickly. The whole procedure usually takes several hours. Sometimes you need to wait two or three days.

When issuing a consumer loan, a simplified verification of borrowers is carried out. Banks are developing special schemes for accelerated solvency analysis, so there are more and more offers to issue express loan . In this case, you can receive money within a few minutes after submitting an application.

Despite enough a large number of pluses, consumer lending has a number of disadvantages.

2.2. Disadvantages (− ) of consumer credit

Among the minuses can be identified:

1. Enough high percent. Quick issuance, as well as a minimum package of documents, lead to the fact that the risk of non-return of funds increases significantly. To be on the safe side, banks usually set similar programs high interest rate.
2. No way to get big sum of money. Usually maximum size consumer credit is limited to two hundred thousand rubles. In very rare cases, it can reach 1,5 million.
3. There may be commissions. The borrower should remember that when applying for a loan, it is important to carefully study the agreement. The presence of various commissions leads to a significant increase in the cost of the loan. Moreover, banks often require the borrower to take out some kind of insurance, For example life, health or from no return. Naturally, even with early repayment of the debt, insurance premiums are not returned.

Thus, consumer loans have both virtues, and shortcomings. Before signing a loan agreement, you should carefully study them, weighing all the pros and cons.

If you treat the loan application with maximum responsibility and seriousness, you can avoid a lot of trouble in the future.

3. Types and forms of consumer credit 💸📑

Today, there are offers on the market for various consumer loans. They can be classified using various features.

There are the following forms of consumer lending:

1. personal loan- the borrowing option that is familiar to everyone, when an application is made, and after its consideration, money is issued;
2. credit cards- design of a separate bank card on which you can spend money by borrowing it;
3. overdraft- possibility to use cash in an amount exceeding the amount available on the account;
4. installment plan Installment purchase is usually used for high-value goods.

As for comparing types of consumer loans, this is easiest to do using the table:

Type of consumer loan	Place of registration	Other Distinguishing Features
For urgent needs	Bank branch	1. Often need insurance 2. Lower interest
Commodity credit	Stores and other points of sale	1. Quick review within minutes 2. High interest rates 3. Often the application is also a contract
Credit card	At the bank office or online	1. Simplified borrower analysis 2. Availability of an interest-free period 3. Possibility of automatic extension of the contract
Express loan	At a bank branch	1. The smallest amount 2. the shortest term 3. Simplified consideration of the application 4. High stake

Thus, the modern borrower has a huge number of consumer lending options.

For selection optimal loan conditions should be assessed for each specific case.

The procedure for applying for a consumer loan

4. How to get a consumer loan - 7 main stages of obtaining a loan for consumer needs 📝

Those who decide to apply for a consumer loan should not forget that by signing the contract, the borrower assumes the obligation to pay the loan. But signing an agreement - this is one of the final stages of receiving money, it is preceded by a few simple steps.

Since for many the procedure for applying for a loan looks complicated and incomprehensible, we decided to tell in detail what stages it consists of.

Stage 1. Choice of a credit institution

When choosing a bank, you should pay attention to how long it has been operating on the market. Those institutions that have managed to withstand significant competition for many years cause confidence . They certainly have sufficient stability.

Often, less popular credit institutions, in order to attract the attention of customers, offer more low interest rates. In dealing with such institutions, one should be extremely attentive.

Often, interest rate cuts are offset by a significant amount additional payments and commissions. Moreover, there is a risk of contacting scammers.

Stage 2. Selection of suitable conditions

Within one credit institution, several programs for obtaining a loan may be offered. Comparing them, one should not get hung up on the interest rate, because its minimum size is not a guarantee of a cheaper loan.

It would be more correct for comparison to take into account the full cost of the loan, which includes, in addition to interest on the use of funds:

• commissions for depositing funds;
• insurance premiums;
• commission for early repayment;
• other payments stipulated by the lending program.

Stage 3. Applying

To reduce time costs at this stage, it is advisable to use the possibility of registration preliminary application . Approval on it cannot guarantee the receipt of funds, since the final decision is made only after the provision full package of documents. At the same time, refusal will help save time and effort.

Most banks offer to make a preliminary application in three ways:

1. At a bank branch the employee will tell you about the terms of the loan, tell you what documents will be needed. Moreover, if you wish, you can immediately go through a preliminary survey. Some banks fundamentally do not lend to certain categories of citizens; you can also immediately clarify whether it is possible to issue the required amount. The inconvenience of this method lies in the need to spend time visiting the bank, waiting in lines.
2. In the shop. Often, bank employees are in retail outlets. They can print out a questionnaire and a list of documents, consult on the terms of the loan. However, often credit counselors in stores are poorly oriented in all banking products, since they focus on commodity loans.
3. In online mode. This option is the most optimal. There is no need to leave your home to submit a pre-application. You can do this at any time by visiting the website of the credit institution of interest.

In any case, within a specified period of time, the borrower will be issued a preliminary decision on his application. If the answer is yes, you can move on.

Stage 4. Preparation of a package of documents

The package of necessary documents is largely determined by the amount of the loan. If it is small, most likely, the bank will require only passport And second document .

It may also be required income statement And copy of work book which are issued through the employer.

If a potential borrower claims a fairly large amount of money, the package of documents may be imposing.

Stage 5. Making the final application and communicating with a bank employee

When the entire package of documents is collected, you can go to the nearest office of a credit institution. Here to be done final application and talk to a loan officer.

It is at this stage that the final discussion of all credit conditions takes place. The borrower should remember that if there is a misunderstanding, it should be resolved at this point. After the contract is signed and the loan is issued, nothing can be fixed.

Stage 6. Signing the contract

If the borrower signs the contract, it is considered that he agrees with all the conditions specified in it. That is why important carefully study the text of the agreement before signing it.

Do not forget that if the terms of the loan agreement are not met, the reputation of the borrower may be damaged.

Stage 7. Receipt of funds

The form of receiving funds is determined by the terms of the loan agreement. Most often, money is given in cash through the cash desk of the bank or by transfer to the card.

Recently, some banks have begun to offer the service of an employee's departure home or to the office of the borrower.

Thus, there is nothing complicated in the procedure for obtaining a consumer loan. It is important to consistently go through the seven stages, observing the necessary rules.

5. In which bank is it better to take a consumer loan - the rating of TOP-5 banks in Moscow with a low interest rate 📊

When applying for a consumer loan, it is important to take the choice of a bank as seriously as possible. Don't forget that we will have to cooperate with this organization for quite a long period of time.

The best option- banks that lend to the population for more than one year. This allows you to judge not only their popularity, but also reliability.

There are many different offers on the market credit organizations. It is almost impossible to compare them all. That is why we have given a rating of the best banks operating in Moscow and other cities of Russia, in which conditions the most profitable.

No. 1. Sberbank

Sberbank of Russia – has consistently remained the most popular credit institution in our country. As part of non-purpose loan here you can get before one and a half million rubles. The interest on such loans is 14,9 per annum, which is lower than in many other credit institutions.

Moreover, for those who receive wages on Sberbank cards (and there are a lot of such people) Here the interest rate is reduced.

The maximum period for which a loan will be issued is five years. The application is considered up to two business days.

No. 2. VTB

You can get a maximum consumer loan at VTB on 3 million rubles up to 60 months. The interest rate will then be 16,9 %.

Exist various conditions, which allow you to make a loan more profitable. So, if you want to lower the interest rate in the bank, you can insure life and health.

Also, citizens who receive wages on VTB Bank cards can count on better lending conditions.

No. 3. Svyaz-Bank

Svyaz-Bank specialists have developed a large number of different programs for lending to citizens.

You can apply for a non-purpose loan here under 15,5 % per annum for up to 60 months. In this case, you can receive money in the amount before 750 thousand rubles.

No. 4. Citibank

To apply for a consumer loan, it is enough to provide two documents here - passport And certificate of income . At the same time, the interest rate at Citibank is at a very low level - only 15 %.

True, borrowers are presented with enough serious demands. In addition to being a citizen of the Russian Federation, a permanent monthly income to apply for a loan must be not less 30,000 rubles. If the client meets the above requirements, he can receive before two million rubles.

No. 5. Renaissance Credit

Here you can get a loan with an interest rate 15,9 % per annum. In this case, the maximum period is 5 years.

You can apply for the amount from 30 before 500 thousand rubles. You will not have to wait long for an answer - the decision will be made on the same day.

Thus, get a loan at the lowest interest rate is quite real . It is enough to know which credit organization to apply to, as well as comply with its requirements for borrowers.

There is a separate article on our website about mortgage, in which we wrote about how and.

6. Which bank has the lowest interest on a consumer loan in 2020? 📋

Most citizens, when choosing a bank for obtaining a consumer loan, first of all pay attention to the proposed interest rate . Experts consider this approach correct, because the cost of servicing the loan will depend on this indicator.

Looking for minimum interest it is important to consider that its size is largely determined by the status of the client in relation to the bank, as well as the number of documents provided.

Respectively, the more fully proven solvency, the lower the rate you can count on. That is why when applying for a loan on one or two documents, it is hardly necessary to count on a small rate.

First of all, it is worth considering the conditions at the bank serving your salary card . It is to these categories of customers that credit organizations usually reduce the rate. So, Sberbank when receiving a salary on his card, he agrees to issue a loan in an amount up to three hundred thousand rubles under 13,9 % per annum.

You can also count on lowering the interest rate in those banks where the loan has already been successfully repaid earlier. Such borrowers are more trusted by credit organizations.

As for specific banks with a minimum interest rate * , We advise you to pay attention to the following ones:

• if the purpose of the loan is education fees, it is best to contact Sberbank. There is a special target program, where the rate is from 7,5 %;
• pensioners can safely go to Sovcombank where you can get up to one hundred thousand rubles under 12 % per annum (we wrote about on favorable terms earlier);
• Rosbank offers the best conditions 13,5 % those who work in the budget sector will need a guarantor to apply for a loan;
• property owners can contact the bank Premier Credit where, in the presence of collateral, they are ready to issue a loan under 14 %;
• Eastern Express Bank ready to take out a loan up to fifty thousand By 15 %;
• if you wish to receive a large sum(before million rubles) on long term(before 15 years) should be contacted Credit Bank of Moscow, where the annual rate starts from 15 %.

* Check the relevance of interest rates on loans on the official websites of credit organizations.

Where and how is consumer credit calculated? possible options calculation: online calculator on the bank's website or direct contact with the office of a credit institution

7. Consumer loan calculation - 2 easy ways to calculate consumer credit 📌

Even when choosing a lending program, there is often a desire calculate consumer credit parameters - the amount of payment, overpayment, etc. You can do this in two main ways: by contacting the nearest branch of the bank or by visiting its website on the Internet.

Method 1. Visiting the office of a credit organization, the future borrower can find out all the parameters of lending in a personal conversation with a loan officer.

However, in a visit to the office lie disadvantages (−). You will have to spend your personal time visiting the bank and waiting in line. This time will be lost in vain if the credit conditions of the client are not satisfied.

Method 2. Loan calculation through online loan calculator is more optimal. In this case, it is enough to have a computer or any other gadget with Internet access (leave your home or office will not need) .

Question 2. How to apply for a consumer loan with Sberbank online?

Recently, more and more people are taking advantage of the opportunity to apply for a loan in online mode . This service allows you to avoid standing in lines, thereby saving time. At the same time, an application can be made on the bank's website at any convenient time, without leaving your home or office.

Those who decide to apply for a consumer loan at Sberbank should remember that this credit institution presents serious requirements for its borrowers. Apart from credit history will also take into account level and stability income . That is why you should not waste time visiting the office, it is better to immediately place a preliminary application online on the bank's website.

Click on the "Loans" section, follow the link "Get a loan from Sberbank", prepare the documents and fill out the form

The entire application process will take no more than a quarter of an hour. At the same time, in a convenient service, you can not only choose the best loan option, but also evaluate your financial capabilities.

The fact is that after the introduction of the term and amount of the proposed loan, the payment is immediately calculated, as well as the overpayment.

Citizens who meet the following criteria can apply for a loan at Sberbank:

• age - not less than 21 year, but no more 65 years on the day of full cancellation;
• continuous seniority at least one year;
• work experience in last job at least 6 months.

Should be remembered that for those who receive wages on a Sberbank card, the requirements are relaxed. It is enough to work in the last place for 3 months, and continuous experience must be at least six months.

To apply, you need to select a loan program and read its terms and conditions. After that, a questionnaire is filled out. When specifying a period, please note that it cannot exceed five years.

After filling out the questionnaire, send it to the bank by clicking the appropriate button. The review period is from 2 hours before 2 days. The answer to the applicant will be communicated by telephone or e-mail.

If the decision is positive, to complete the loan processing procedure, it remains to visit the bank's office with the necessary documents. Traditionally, they are passport and proof of income. Most often for employees, this is a certificate of wages from the place of work.

Thus, applying for a loan at Sberbank via the Internet greatly simplifies the procedure for applying for a loan. You do not have to waste time and once again stand in lines. If you were denied a loan at a bank, then you can most likely take it without refusal in one of the microfinance organizations (MFIs).

Question 3. How to get a consumer loan for individual entrepreneurs?

(individual entrepreneurship), unfortunately, does not exclude the need to obtain borrowed funds. Rather the opposite - the need for them is increasing, because individual entrepreneurs need to provide not only personal needs, but also their business. At the same time, obtaining even an elementary loan for an entrepreneur is often very difficult. is different from registration for a hired worker.

The biggest problem for individual entrepreneurs is that it can be difficult for them to confirm income. Moreover, making a profit while doing business not guaranteed. At the same time, banks are wary of potential borrowers whose income is uncertain.

Ways to get a loan for consumer needs of an individual entrepreneur (individual entrepreneur)

The way out of this situation for an entrepreneur can be express loan processing . In this case, the credit institution does not carry out a thorough check of the borrower, it may not even know that the applicant is self-employed.

From the documents you need only passport And second document (and you can choose it from a large list), documenting income will not need .

When applying for fast bank most often pays attention only to the fact that there is a permanent residence permit, and there is also no negative credit history.

However, express loans have significant disadvantages. This is a high interest rate and a small loan amount. Usually it will not be possible to take more than thirty thousand rubles, and the interest rate can reach 50 % in year.

Do not forget about the purpose of lending. If an entrepreneur needs to make a large purchase, you can issue trade credit right in shop . It also does not conduct a thorough check of the borrower. The bank makes a decision quickly, which means that it will not have time to understand that the buyer is registered as an individual entrepreneur.

If you need cash in cash, and the amount you need is large enough, you will have to try to get a consumer loan traditional way . At the same time, it is important to honestly indicate in the questionnaire that the type of activity of the applicant - entrepreneurship.

It is important not to name in any case as the purpose of borrowing business development . In this case, it is almost certain that refusal. It is better to write a version closer to the consumer - vacation, repairs, etc.

In this case, most likely, you will have to provide a declaration. Here comes another complication - Most entrepreneurs deliberately underestimate their income in order to pay as little taxes as possible. It is unlikely that a bank will lend to an individual entrepreneur whose confirmed income is very small.

With adequate profit in the declaration, the entrepreneur can count on a loan in the amount of about 15 0 thousand rubles. At the same time, the interest rate for IP becomes not much lower. It often reaches 25 %.

If you want to get a more adequate loan rate, you will have to provide pledge or guarantee . In the first case, any property registered to a citizen as a individual. (It could be a car or an apartment).

If it is decided to provide a guarantor, it should be noted that the same entrepreneur will not work here. (You will have to find a citizen who is employed and can provide a salary certificate from the employer).

Thus, it is much more difficult to issue than for an employee. Nevertheless, nothing is impossible. You just have to put in a little more effort.

By the way, for the purchase of vehicles or equipment for business, IP can use the service. We have already talked about the conditions in one of the previous issues.

Question 4. How to get a consumer loan for 5-7-10-15 years and are there any peculiarities in applying for a long-term loan?

Long-term consumer loans do not have fundamental differences in execution from those taken for several months. Most often, such loans are issued under certain goals.

Due to the high demand for long-term loans, today they can be issued in many banks. It should be noted that interest rates in different credit institutions may differ significantly.

It should be taken into account that The longer the loan term, the higher the rate will be. Yes, loans 5 years are issued on average under 15 % per year, per 10 years - under 20 % per annum, etc. In some banks, long-term loans are issued at a rate 50 %. Therefore, in order not to be unpleasantly surprised, it is important to study all the conditions of the loan BEFORE moment of application.

It is quite natural that long-term loans are provided only if there is an extensive package of documents.

Traditionally, you can get such a loan by providing:

• Russian passport with place stamp permanent registration;
• second document at the choice of the borrower (driver's license, SNILS, TIN or other);
• salary certificate in the form of 2-NDFL or on the letterhead of the bank itself.

Additional documents depend on the terms of the loan and are different for each specific case. As proof of employment, many banks require copy of work book certified by the employer.

Even in cases where the loan does not provide for collateral, some credit organizations require the submission of documents for property owned by the applicant (usually car or apartment). In this case, the increase a chance at positive decision , as confirmation of the solvency of the borrower appears. This means that from the bank's point of view, the risk of non-repayment of funds is reduced.

Should be understood that for a bank, long-term loans are always associated with high risk. The credit institution takes into account the fact that over such a long time the solvency of the borrower may change - it may fire or is he serious get sick. In such situations, the property acts as an additional guarantor, because in the event of an irreparable situation, the debtor will be able to sell it.

Note! Contrary to popular belief, it is not at all necessary to provide a certificate of income to obtain a long-term loan. However, it will be much easier to get a positive decision with it.

On 5th term lending to most major banks. Find those that provide loans for 7 years is more difficult. On 10 years and more, consumer loans are issued even less frequently. Sometimes they can be issued if an expensive one is indicated as a goal. repair or buying a car.

To apply for a long-term loan, you need to take several consecutive steps:

1. Application form. There are several options. You can apply directly to the bank office, fill out a questionnaire, submit the necessary documents loan officer. Also, most modern banks offer to issue online application without visiting the branch directly on the website of the credit institution. Sometimes this requires you to download scan or quality photo of documents. In this case, the application is directly sent to the review department.
2. Consideration of the application. After filling out the application, the bank analyzes the data provided by the borrower. The longer the planned loan term, the more serious the check will be. Most banks check credit history by requesting relevant information from BKI(credit bureau). Some credit institutions make decisions quickly - within a day. However, usually with long-term lending, the applicant is given an answer no earlier than two days later. By the way, you can find out about that in one of our articles.
3. The conclusion of the contract. If, upon application, the bank accepted positive decision, you will need to sign a contract. Before signing it, it is important to carefully read all the clauses of the agreement, especially those parts that are printed small print. It is here that information about hidden fees is usually contained.
4. Receiving the money. Depending on the terms of the loan, funds can be issued in cash through the cashier or transferred to a bank card.

When the funds are received, it remains to service the loan with high quality, that is, to make monthly payments on time. If this is not done, the bank may charge fines, penalties and forfeits, which means that the total cost of the loan will increase.

Question 5. How to get a consumer loan at a minimum interest rate?

When trying to get a loan, any prudent person seeks to get it under the minimum bid . Many believe that it is impossible to influence the percentage. However, there are a number of rules, compliance with which allows you to achieve a reduction in the rate when obtaining a loan.

If you plan to purchase goods on credit, before submitting an application to the bank, you should check with the store employees about the possibility installments. In fact, it is issued as a discount from the price of goods by the amount of interest. For the client it looks like interest-free loan , which is naturally very profitable.

Ways to get a consumer cash loan at a minimum percentage

There are several ways to reduce the interest rate even if you want to get a loan. in cash means.

There are several options in this case:

1. First of all, you should start by comparing the terms of lending in different banks. At the same time, it should be remembered that most often the best conditions are in the credit institution where wages are transferred. Therefore, it makes sense to start with this particular bank, having studied individual conditions for payrolls. It is also worth paying attention to the various rate cut promotions that banks spend on the eve of various holidays. For some categories of citizens (budget workers, pensioners), minimum rates are offered at certain credit institutions. This is also worth knowing in advance.
2. The second option for lowering the interest rate is to collect as complete a package of documents as possible. For loans, for the issuance of which only a passport is required, the interest rate is quite high. It is better to spend a little time preparing a salary certificate, a copy of the work book. In this case, the percentage will be less. You can reduce the rate even more by bringing various documents with you to the bank branch, confirming the existence of property(real estate or car). In addition, you can attract a guarantor who has a stable income.
3. When calculating the parameters of the loan, you should choose such conditions under which the payment for the applicant will be feasible. In this case, the period should be minimal. This is due to the fact that the shorter the repayment period, the lower the interest rate.

Thus, if you want to get a consumer loan for a significant amount, it is important to use all the chances to minimize the cost of servicing it.

One of the main parameters that can significantly reduce costs is interest rate. Using the tips above, you can save significant amounts.

Question 6. Unsecured consumer loan - what does it mean?

Not everyone knows what a consumer loan without collateral is, and what are its features. At the same time, if necessary, borrowed funds to select the best program understanding the differences between the various schemes is essential.

Unsecured loan is a loan for various consumer purposes, the registration of which does not require the provision of property as collateral, as well as the invitation of guarantors.

This option is ideal in cases where it is important to get borrowed funds as quickly and without unnecessary difficulties.

Unsecured loans include the following options:

• a cash loan or a transfer to an account through a credit institution;
• loans for the purchase of various goods, issued in stores;

Before trying to get an unsecured loan, it is important to understand what requirements banks place on potential borrowers in such situations. The main ones are the following:

1. age from 23 to 55 years , less often, banks allow loans to persons over 18, as well as under 70;
2. the presence of permanent registration (propiska) , it is almost impossible to get a temporary loan, most often registration should be in the region where there is a bank branch;
3. the total length of service should most often be at least 12 months , in last place at the same time - at least six months;
4. to confirm solvency, the borrower must provide at least some documents. Therefore, if you want to get a loan, you need permanent income statement ;
5. men of military age - up to 27 years old will need to submit to the bank military ID ;
6. many banks require availability of a contact landline phone - work, home or friends and acquaintances.

For borrowers who do not have enough income to apply for a loan, many credit organizations offer the opportunity to attract as a co-borrower spouses. It should be understood that they must also meet all of the above requirements.

Very rarely, for issuing a loan without collateral, banks require a minimum package of documents - a passport. Most often, you will additionally need:

• a second identity document;
• a copy of the labor;
• confirmation of income - a certificate in the form of a bank, 2-personal income tax or from the FIU, an extract from any bank (including card) account.

It is important to pay close attention to the terms of the loan. One of critical factors is consumer loan interest rate . It is usually calculated individually depending on various data provided by the borrower.

However, there are options to lower the rate even when applying for a loan without collateral:

1. applying for a loan at a bank where you receive wages;
2. high-quality credit history;
3. Registration of life insurance, as well as diseases that entail disability.

Among other important conditions of unsecured lending are − borrowing amount . It usually starts from 15 000 rub., the maximum reaches the interval from 0.5 million up to 1.5 million rubles The term most often reaches five years, less often seven.

For those who wish to apply for a loan without collateral for quite a large sum, it should be noted that the credit institution will take seriously the verification of all data provided by the applicant.

Often, after the assessment, banks still require the provision of more serious confirmation of the ability to make payments. In this case, the security can be informal. That is, it is enough to confirm the availability of property, as well as the support of serious persons, but pledge agreements and guarantees will not be drawn up.

In addition to all the parameters listed above, it would be useful to also study the advantages and disadvantages of unsecured loans. Among the pluses (+) can be called:

• fast clearance;
• there is no need for a guarantor's squeak, as well as the provision of collateral;
• minimum required documents;
• possibility of misappropriation of funds.

Cons (-) unsecured loan are:

• high rate;
• short term;
• lower than in cases with the provision of security amount.

Thus, it is quite possible to get an unsecured loan. However, in this case, you should take its conditions as seriously as possible, since they usually less profitable than with collateral.

Question 7. What is the maximum term of a consumer loan?

When applying for a consumer loan, many are wondering what is the maximum period for which it can be obtained. This parameter is important because the length of the repayment period has a direct impact on the size of the monthly payment.

The longer the term, the smaller the amount you have to pay. In this case, of course, the overpayment will be more significant. But the borrower will be able to count on a large loan amount with his income.

In this regard, it is important to know for what maximum period you can get a consumer loan. The payment period depends on various factors.

What determines the maximum loan term for a consumer loan - important factors

First of all, the loan term is determined by its purpose. So, a loan, a loan issued for tuition fees, usually issued a maximum of 6 years. If the purpose of the loan is holiday travel reimbursement, it is unlikely to be given more than 12 months. In these cases, the loan term is not too long, so it will be enough to obtain borrowed funds passports And income statements .

Today it is quite possible to issue a consumer loan for a longer period. He can reach one or two decades. But in this case you need provide valuable property as collateral. It can be real estate, for example, land plot or an apartment, as well as a car. Read about the conditions for obtaining a car in a separate article.

Should be understood that in case of non-payment of a loan for which a pledge is issued, the bank has the right to sell the relevant property in order to return the funds issued. Therefore, do not rush to issue loans for such a long period. It's better to think again assess your financial capabilities before taking on such risks.

However, for long-term consumer loans - 10 years and more, there plus. This minimum payment . In other words, the longer the term, the greater the chance that the income of a potential borrower will be enough to make a monthly payment.

Many people are not serious about choosing a loan term, but this is one of the most important parameters.

Depending on the period, they distinguish:

• short-term loans - up to a year;
• medium-term - one to three years;
• long-term - for a period of more than three years.

Choosing the last of these three categories, it is worth approaching the analysis as responsibly as possible. Don't forget that the longer the term, the higher the amount of the overpayment will be.

10. Conclusion + related video 🎥

In this post, we have tried to be as detailed as possible about consumer lending. We talked not only about what it is, but also what advantages And flaws this type of borrowing. We also tried to suggest how and where you can arrange it profitably.

That's all we have.

We wish you good luck in financial matters! When deciding to get the necessary funds on credit, remember that it can help overcome temporary difficulties. However, with the wrong attitude to the loan, you can further exacerbate your problems.

Try to assess your capabilities as carefully as possible, then there will be no difficulties!

Dear readers of the RichPro.ru magazine, we will be very grateful if you rate the article and leave your comments on the topic of the publication below!

Loan processing is considered to be one of the most effective and convenient ways solving a variety of problems of the borrower, ranging from the need to make a purchase and ending with obtaining funds to open or develop their own business. domestic market also provides a variety of loan products which can be used by a large number of potential clients of financial institutions. However, when deciding whether to take out a loan, a person needs to weigh their own financial capabilities and choose the most suitable loan option for them.

Purpose of the loan

All loans are divided into two groups - targeted and non-targeted. The first includes loans, the funds received from which are directed to the purchase of a specific product or service, as a rule, having a serious value. It could be an apartment vehicle or teaching a child. An important feature Targeted loans favor a low interest rate, combined with bank control over spending.

Non-purpose loans are spent by the client banking organization at your discretion. They cost the borrower a little more expensive, and also, as a rule, have restrictions on maximum amount loan and term of the contract.

Requirements for the borrower

The list of requirements that the bank makes to the borrower is determined based on the goals and main parameters of the loan he receives. Obviously, if you want to take a mortgage loan for a serious amount and for a long period, the bank will require much more from the client than when obtaining a loan for the purchase mobile phone. The most common requirements for borrowers are:

• the presence of Russian citizenship and local registration;
• official employment for a certain period of time with the provision of certificates of the amount of income received;
• possession of property that can act as collateral for a loan;
• positive credit history and no current debts before various financial institutions, etc.

Required documents

To apply for a loan, it is required to provide documents confirming the client's compliance with the requirements of the bank described above. Usually standard package documentation includes:

• passport of a citizen of the Russian Federation (often another identity document of the borrower is required - SNILS, military ID, driver's or pension certificate, etc.);
• a copy of the work book or a valid employment contract, as well as a certificate of income;
• various documents confirming the ownership of property issued as security;
• guarantee agreements, etc.

The exact list of documents required for loan approval is determined by each bank independently.

What is the best loan to take?

Before you start applying for a loan, it is extremely important to choose the most suitable type of loan. This will help minimize the additional financial burden, while achieving your goals. Today, the Russian financial market offers a wide variety of types of loans:

• express loan;
• credit without collateral and guarantors;
• loan without proof of income;
• consumer credit;
• mortgage;
• car loans, etc.

Each of these options has its own character traits and features, while having both pluses and minuses that you need to know when choosing the right type of loan.

What to pay attention to?

When choosing a loan, you need to understand that there are several parameters of loans that you should pay attention to in the first place.

Monthly payments

Regular size monthly payment, in fact, is an additional financial burden that the borrower takes on when signing a loan agreement. It is extremely important to be able to make scheduled payments on time, otherwise the cost of the loan rises sharply due to the accrual of penalties.

The cost of services related to the loan

The real cost of the loan includes not only the payment of interest accrued in accordance with the declared rate, but also the associated payments associated with the opening credit account, the presence of various commissions, payments for consideration of an application for a loan, etc. A well-calculated effective interest rate on a loan allows you to get an idea of ​​the real price of borrowed funds, taking into account absolutely all types of payments. It is this parameter that must be considered when comparing various options lending.

Currency

Most experts give potential borrowers one simple piece of advice - it is necessary to apply for a loan in the currency in which wages are received.

Penalty amount

No borrower is immune from financial problems. Moreover, often difficulties arise for objective reasons beyond his control. Therefore, when choosing a type of loan, it is necessary to pay attention to the penalties provided for in the contract. It is obvious that small penalties are much more attractive for the client, stimulating to pay off the existing debt as soon as possible, but at the same time not leading to debt bondage of the borrower to the bank.

Insurance

Almost all banks try to impose various additional insurance services on the client. It is important for the client to know that there are only two types compulsory insurance: CASCO for a car loan and real estate insurance for a mortgage or collateral for a loan in the form of collateral. All other types of policies, including life and health insurance, are voluntary, despite the contrary statements of bank employees.

How should repayment take place?

Often, the financial capabilities of the borrower change for the better, as a result of which he may decide to repay the loan taken ahead of schedule. At the same time, it is extremely important that the agreement in force with the bank does not provide for any penalties in the event of partial or full repayment of the debt occurring ahead of schedule.

Applying for a loan

Today, almost all banks provide customers with the opportunity to choose the option of applying for a loan: when they personally visit the office of a credit institution or on its website online. Obviously, the second method is much simpler and more convenient for potential borrowers, so it is used more and more every year.

However, in most cases, in order to sign a loan agreement, the client will still need to arrive at the bank branch. Also, this is often required by negotiations on the main parameters of the forthcoming loan. They are necessary in order to get a loan on the most favorable and attractive terms for yourself.

What do banks check?

Upon receipt of an application for a loan, the bank begins checking both the information provided by the potential client and his credit history. Obviously, the larger and long-term loan is requested, the more serious the check is by the security service and other divisions of the financial institution, and the more questions can be asked to the borrower.

It is important to understand that the presence of a bad history of relationships with credit institutions today is almost impossible to hide. This is due to the fact that several credit bureaus work simultaneously, where information about all clients of banks and other financial structures. It is also not difficult to check the borrower's data on his salary and place of official employment. Therefore, there is no point in trying to provide incorrect information to the bank in the hope that they will not be verified.

Failure Probability

Recently, the usual requirements of banks to potential customers have become somewhat stricter. The fact is that during the crisis, the share of delinquency on loans issued increased, which, of course, had a negative impact on financial position credit organizations. As a result of the tightening of the requirements, the probability of being denied a loan has noticeably increased.

It should be understood that this indicator largely depends on the type of loan, its size and duration, as well as the income of the borrower. The chance of being rejected when applying for a small consumer loan is much lower than when trying to get a loan for a serious amount. It is also quite obvious that it is more difficult for an unemployed person to get a loan than for an officially employed person who receives a good salary.

Causes of failures

The most common reasons for refusal of a loan are:

• insufficient level of income from the main place of work and from additional sources;
• incorrect information provided by borrowers. Above, the reasons for the inexpediency of trying to deceive the bank were explained. Moreover, in most cases, their identification leads to an automatic refusal to approve the issuance of a loan;
• bad credit history or the presence of large debts to utilities, taxes or other obligatory payments;
• having a criminal record or other types of offences;
• errors in the preparation of submitted documents. In this situation, we are talking about random inaccuracies, after correcting which the loan application can be re-submitted.

Often, a bank refuses a person even if he does not have a credit history. Such cases in practice are quite common, especially when trying to get a loan for a large amount.

How to get a loan with a bad history and delinquencies?

Currently, getting a loan from a bank, having a problematic credit history and, moreover, delays in current payments, is almost unrealistic. In some cases, credit brokers who are well versed in the state of affairs can provide significant assistance. financial market and possessing comprehensive information about its participants. However, even the most qualified specialists can sometimes be powerless.

In such a situation, it remains to contact microfinance organizations. They are much less demanding of potential borrowers. In this case, it is difficult to count on a large loan amount, in addition, the interest rate is noticeably higher than the bank one. However, in some cases, with the help of microcredit, it is possible to pay off current delinquencies, after which it is much easier to get a loan from a bank, with the help of which the debt to the MFO can be closed.

Getting loans for pensioners

Many banks, including even the largest ones, such as Sberbank, Rosselkhozbank, VTB 24, have developed and are actively using special programs lending to pensioners. In most cases, this category of borrowers are allocated loans on fairly favorable and favorable terms. At the same time, practically the only requirement for pensioners is the transfer of their accounts to a creditor bank. Naturally, the size of the loan and its duration depend on the size of the pension received by the person and his age.

How to get a loan deferral?

Quite often, customers have difficulties with the payment of the next payment. If their reasons are objective and do not depend on the borrower, he has the right to apply to the bank with a request to provide a loan deferment. Naturally, such a decision is voluntary on the part of the bank and is usually taken in the following situations:

• loss by the client of a place of work or a sharp decrease in the amount of wages;
• the need for expensive treatment caused by the occurrence of a serious illness of the borrower or his close relatives;
• exit to maternity leave etc.

The main condition for granting a loan deferral is the need for documentary evidence of the existence of objective factors that affected the financial situation of the client.

How to get a certificate of received loans?

To issue a certificate of existing or previously received loans in a bank, you must contact the financial institution directly. In addition, today the borrower can easily get his own credit history, which contains all necessary information. To do this, you can use several methods, for example, by entering a unique code of the subject of credit history on the official website of the Central Bank of the Russian Federation. This code is assigned to each borrower when receiving a loan from a bank.