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 percentages 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:
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 loan programs offered 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.
When choosing, consider the following points:
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. The annuity scheme involves the payment of equal amounts over the entire repayment period 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.
Lending individuals This is a practice that has become a part of our lives. With borrowed funds, you can buy almost anything. It can be real estate, a car, household appliances, clothes or vacation. But there are many nuances that the borrower must take into account when contacting financial institution to apply for a loan.
Before applying for a loan, you should choose the right bank. The safety of the client depends on its reliability. If the bank is large, and it has proven itself on the positive side, then the borrower can be sure that he will not be forced to repay the loan ahead of schedule due to the financial problems of the organization itself.
If the client is a regular for a particular bank, then he is often offered more loyal lending conditions than in other institutions. This encourages constant collaboration. Therefore, it is logical to contact a trusted bank, especially if cooperation with it was successful.
When choosing a loan product, it is necessary to clearly understand what the loan is for. Exactly targeted loans most beneficial to the borrower. Therefore, you should immediately choose the type of loan:
In this case, the bank, for its part, offers the most favorable conditions for the client and takes into account the various nuances of the transaction.
Each loan has a period for which it must be repaid, i.e. return the entire amount of the debt, together with interest to the penny. Before applying, it is important to correctly calculate the loan repayment period in such a way that you do not overpay the bank commission for unused time (in the case of annuity payments) and do not repay the loan to the detriment of your own needs. The term, as well as the size of the monthly payment, should be comfortable for the borrower.
There are several ways to repay a loan:
Each client can choose for himself convenient option loan repayment.
When the issue of choosing a bank is resolved, it is necessary to think about its criteria for selecting customers. For its part, the bank presents a list of certain requirements to its borrowers.
The client should be aware that if he does not meet these criteria, then he will be denied a loan. The marital status of the borrower, the number of dependents, existing loans, the presence of property in property, additional sources of income, etc. are also taken into account. All this together, as well as a person’s credit history, are decisive when making a decision by bank employees on lending.
The client's credit history is all his previous experience of cooperation with various banks. There is a common Credit History Bureau (BKI), which contains all the information about every person who has ever applied for credit products. Considering the application of the client, bank employees will find out his entire credit history. If a bank has blacklisted a person, then others will also refuse him.
If a client paid a loan in arrears, was fined, or even brought the situation to the point of transferring the case to a collection company, then it is highly doubtful that any bank will agree to cooperate with him. In the best case, such a client will be offered not very favorable credit conditions. But this is a chance for him to rehabilitate himself by fulfilling his obligations in a timely manner. Next time, lending on more loyal terms is possible.
There is also a so-called "grey list". It includes those clients who do not ideally match the bank's ideas. If the borrower, having executed the transaction, seeks to repay the loan ahead of schedule, then this is not profitable for banks. They are unlikely to issue a loan to him at low rates in the future, trying to get the maximum profit.
There are some nuances and tips that you should pay attention to when applying for a loan, moreover, before concluding a deal.
It is necessary to choose conditions, following your priorities and taking into account all possibilities.
Buying a new car is possible on credit. But there are a few rules to follow. The borrower must provide a passport, driver's license, income statement and work book. Also, if he is married, then a notarized consent of the spouse may be required.
There is a rule regarding the client's income or total income his family. They should be enough for the amount of the monthly payment, leaving the person 60-70% of the funds to cover other items of expenditure. Otherwise, the client will be declared insolvent.
When studying the contract, you should pay attention to the bank's commission, the amount of insurance, the level of penalties, the possibility of early repayment of the loan and the conditions under which the car will become the property of the client. For example, some banks confiscate the TCP before the end of payments.
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.
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 a 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 save yourself from force majeure circumstances that will lead to the fact that you will not be able to pay monthly loan payments. 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 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.
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.
The more requirements the bank makes to the borrower, the more reliable it is and the lower interest rate on credit. Therefore, if you want to get a loan on favorable terms, 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.
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.
The longer the loan term, the lower the monthly payment. And the longer the term of the loan, the greater the overpayment on it.
Credit cards, as often happens, end up costing their owners much more than cash loans. This happens because:
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.
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:
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: not to return credit funds ahead of schedule until a certain time has passed since the conclusion of the contract.
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 a loan requires collateral in the form of collateral and surety, then banks may require you to insure the collateral. 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 -.
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 assess your financial capabilities. 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.
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.
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 a 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.
is a bank that:
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.
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.
Regardless of the chosen loan product, you will need to collect the necessary documents to obtain 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:
Many financial institutions, in addition to the documents listed above, may require additional documents.
In any case, you will need to clarify all required list documents and prepare them in advance.
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.
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.
You can read about how you can get a consumer loan at a minimum percentage.
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.
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How to get a loan from a bank? This question should be asked by every person who is going to improve his financial situation in such a way. In addition, today people are completely without thinking about the consequences, which has a very negative effect on them. And, in addition, they take those loans that banks impose, and not those that can bring benefits. Therefore, today it is so important to approach the issue of lending correctly and wisely.
Before we begin to understand how to take a loan from a bank, we will give a brief definition of it in simple words.
Bank loan is the transfer by a financial and credit organization to an individual or legal entity cash on the terms:
A bank loan can be classified according to the following criteria:
Each type of loan has its own conditions for obtaining and requirements that the bank makes. For example, auto loans and mortgage loans can only be issued against security, which, as a rule, is the acquired property itself. Such directed loans are subject to compulsory insurance, both the property itself and the life and health of borrowers.
A consumer loan, in general, can be issued without collateral, and without insurance, and with only one document - a passport.
Is it worth taking a bank loan?? This is a very important question that every person who is going to go to the bank to get a loan should ask himself. From this directly depends on his financial situation in the future.
To make it easier to answer this question, we will divide all types of loans into 2 summarizing their types:
Under consumer credit refers to a loan at a certain percentage in a financial and credit institution for the purpose of acquiring the desired thing, property, etc., for which there are no funds at the moment.
And under a loan to open a business, we will understand getting a loan to open a business.
After reflecting on this, one can reason all this in such a way that the expediency of obtaining a bank loan depends directly on the purpose for which a person wants to take a loan.
If a Bank loan necessary for the acquisition of some thing, property, etc. simply to satisfy their desires, personal needs and requirements, then drive yourself into debt hole there is no point. That is, taking out a loan for something you can live without simply because other people have it is the height of stupidity and stupidity.
True, the expediency of a car loan can also be called into question, and here it is also necessary to pay attention to its goals. If you just need a car to “wipe your nose” with neighbors, friends and “scratch” your pride, then it’s better not to spoil your financial situation in this way. And, if you need a car in order to start earning in one way or another, then getting a car loan has its own meaning.
If a a loan is taken to start one's own business, then such a loan, on the contrary, will give a person the opportunity to earn money and create a good source of passive income. And the cost of paying for such a loan will be more than justified. True, here it is imperative to think about how you will pay your loan in case your business fails. Otherwise, you simply will not be able to pay off your debts.
Almost all banks have almost the same conditions for obtaining a loan, the most basic of which we will consider below.
To get a loan from a bank, you need to without fail have a passport of a citizen of the Russian Federation. True, it happens that some banks can issue a loan to persons who simply have a temporary residence permit. This is not prohibited by law, but in practice it happens very rarely.
There is also a mandatory and additional package of documents for obtaining a loan:
As a rule, the bank refuses to obtain a loan for persons under 21 years of age and over 65 years of age. True, some banks make an exception and issue loans to persons under 75 years old, provided that at the end of the loan agreement their age will not be more than the specified number of years.
No bank will issue a loan to a person who is not officially employed and does not have a permanent income sufficient to repay the loan. To confirm your employment, you will need to provide a certificate of 2-personal income tax, a certificate of state registration you as individual entrepreneur or fixing your company in the form of LLC, CJSC, OJSC. In addition, certificates of income of the borrower and the guarantor are necessary so that the bank can realistically assess how much of the loan you can count on.
How and where you can get a loan without a certificate of income and guarantors, you can read but with a bad credit history.
Every self-respecting bank necessarily pays attention to the credit history of the borrower. The presence of repeated delays in repaying loans in the past in 100% of cases will serve as a reason for refusing to issue a loan, as well as the absence of your data in the credit bureaus. If you were denied a loan ten minutes after the application, then you can be sure that your bad credit history was the reason for this, as banks check the data from the BKI in the first place.
A loan is your constant and necessary expenses for many months and even years, which will have a very negative impact on your financial situation. Therefore, if you are going to take a loan, be sure to follow the 5 rules below so that in the future you will not regret your deed very much.
If you stick to this rule, then follow the rest, you just won't need it. And it concerns, first of all, obtaining a loan to meet their own needs and requirements. These usually include consumer loans for the most expensive and unnecessary things that a person acquires either simply because he wants to, or to be "like everyone else" or "like everyone else."
It is necessary to take a loan only for something that greatly complicates life, and for something that will help you earn and create. And taking a loan just because you want to, or to be “like others”, to put it mildly, is very stupid.
You must always remember this rule when going to the bank for a loan: the easier it is to get a loan, the more expensive it will cost you. When taking a loan, you must always remember that a loan will cost you too much and will not justify itself if:
then this loan will be very expensive for you. And, the more of the above items you will meet in loan offer the more credit will be unprofitable.
You can read about how you can take an individual entrepreneur loan without collateral, and for a small business -.
If you are going to take a loan, immediately discard all options for obtaining it in financial institutions that are not licensed for this purpose, which distribute loans to everyone in a row without income statements, collateral and guarantees, etc. Such a loan will cost you very much, both financially and and from the psychological side.
Usually, credit programs are developed by specialists who are well versed in such issues and know what people of each category of borrowers need. So don't reinvent the wheel. Everything has already been invented, thought out and successfully applied in practice. Just take a loan, the program of which is specifically designed for your purpose. such types of loans as mortgages, car loans, etc. can serve as an example.
As a rule, a person entering into a loan agreement is only interested in when and how much they will need to pay. When, as in practice, there are a number of conditions that must be paid attention to when concluding a contract:
Taking a loan from a bank, a person runs a very strong risk of being in a deplorable financial situation. And, in order not to really be “deep in debt”, take into account the tips below, which will really help you do everything correctly and competently.
Loan fraud is on the rise these days. And, if you do not want to be in a deplorable situation, pay special attention to the choice of a credit institution, which must be reliable. And the first thing you need to pay attention to is its rating and position in the market. Also, be sure to check that financial institution officially registered with the Central Bank, which can be done on the website www.cbr.ru. Otherwise, you, with a high degree of probability, will fall into the hands of scammers.
Before you sign a contract, study it carefully and thoroughly so that you do not have any unpleasant surprises in the future. When signing the contract, remember that you put your signature not just on a piece of paper, but put your signature under your obligations to the bank. By law, you have five days to decide on the contract, and 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 will not work.
When taking a loan from a credit institution, remember that it will need to be repaid, moreover, in its entirety, at the time specified in the agreement and with interest. Therefore, the purpose of taking a loan should be clear and specifically justified, and not be the result of indulging your whims. And, taken with credit money, the acquisition should either solve your problem, or serve to create income and start paying for itself.
No matter how much they try to sell you a loan foreign currency When talking about its advantages, always remember that the credit institution by this shifts all possible currency risks to you. Moreover, given the current volatility of the ruble against the dollar and the euro, this is especially true.
Do not, under any circumstances, provide information about your loans and deposits either by phone or on the Internet. The better you protect your documents from prying eyes, the less likely they are to be used by unscrupulous people. In addition, you can always forget about the payment date, when, as a creditor, you will never forget it and will definitely impose penalties on you.
Often, banks, along with obtaining a loan, offer to open a bank card in order to transfer funds to it. Of course, this is convenient, but at the same time it threatens the safety of your money. This is due to the fact that bank card it is easier for scammers to steal your money. And be sure to watch your phone. If a “mobile banking” service is attached to your SIM card, and you will not use it for a long time, then your mobile operator can transfer it to another person, and this person will not necessarily turn out to be a decent person.
This may threaten that if a credit institution suddenly loses its license, then you will not be paid the deposit insurance until you repay the loan debt.
Do not build a credit "pyramid", this is fraught with very serious consequences. Sooner or later, such a "pyramid" will collapse, and you will have practically no chance to get out from under its rubble.
Before taking a loan from a bank, it is necessary to objectively assess the situation on the labor market, inflation, the ruble exchange rate, round your income downwards, and expenses upwards. Take a sober look at the situation as a whole, cock everything possible risks and try to predict your financial capabilities for the entire duration of the loan repayment. This will help you make the right decision and not be.
Do your best to make your next loan payment on time. Otherwise, in addition to the interest due, interest and penalties will still be accrued on your principal debt. And then your loan debt will be generally difficult to repay.
By "experts" we mean "anti-collectors", dubious "lawyers" and other "solvers" of your financial problems who promise you to take care of their solution. Only they will solve them only as long as you can get something from you. Someday your money will run out and your problems will stay with you. Z, you should also contact only reliable and trusted organizations.
Above, we got acquainted with the basic rules and tips on how to take a loan from a bank. Now let's move on to a step-by-step guide to getting it.
A lot depends on your purpose of the loan, and, most importantly, which bank and which lending program would be better for you to choose. Therefore, take this step very seriously, and formulate your goal clearly and specifically.
After you decide on the purpose of the loan, you will need to start looking for a suitable bank to obtain it. How to choose best bank we wrote. And here, I just want to note that a credit institution must be reliable and have an appropriate license from the Central Bank of the Russian Federation, the availability of which can be checked directly on the official website of the Central Bank. In addition, you should definitely familiarize yourself with the rating of banks on the same site and read reviews about them on the Internet.
Today, banks develop lending programs based directly on the purpose of the loan and human factors. Therefore, first of all, turn your attention to the program that is directly designed for your purpose. And then just start looking at others. Such programs usually include car loans, mortgages, etc.
When choosing a loan, pay attention to:
Here it is necessary to pay attention to how many documents you need to collect in order to get a loan from a bank. If the bank promises to issue a loan at its minimum, you should be very wary. Taking out a loan from such a bank carries great risks. It is better to contact the bank that requires a standard procedure for checking documents, the client’s solvency and his credit history.
Usually, minimum package of documents looks like this:
You can fill out either at the bank branch or on the website. It often happens that the refusal to issue a loan is due to its incorrect filling. The questionnaire must be filled out thoroughly and provide as much reliable information as possible. You should not overestimate or underestimate your income, hide a credit history or some biography facts, and also ascribe to yourself property that you do not own. All data entered in the questionnaire will be carefully and easily checked by the bank. Any discrepancy between the questionnaire and reality will work against you. There are cases when a bank refused a loan only because the phone number of the accounting department of the company where the borrower worked was incorrectly written in the questionnaire or his home phone number was not indicated.
It would be best if you provide all these documents. Moreover, a certificate in the form of 2-NDFL is valued more than a certificate in the form of a bank. The latter increases the monthly loan payment by 1-2%. If it is possible to provide the bank with any other documents confirming your solvency, then be sure to provide it. It is quite possible that they will influence the decision of the bank to issue you a loan, or even better - reduce its total cost.
After you collect all the necessary documents, you can apply to the bank for a loan. this can be done either by personally visiting your bank branch and filling out an application there - a questionnaire, or by doing it via the Internet. In this case, the application is submitted to in electronic format. for which you just need to go to the site of the site you have chosen, and fill out a special form right there. After that, it will be necessary to wait until the bank considers your application, the consideration period for which, as a rule, is up to two days.
To apply to a bank for a loan, you should not go in an untidy manner. You must be intelligently dressed and neatly combed. Oddly enough, your appearance will also be important when the bank decides to grant you a loan.
In order to help yourself during the period of consideration of the application, notify your colleagues about your intention to take a loan, to whom the bank can contact with additional questions. This is especially true for people working in small companies. The bank will consider it an undoubted advantage that at the place of service of a potential client they know about his desire to take out a loan and do not mind it, that is, they confirm his solvency.
This step is taken only by those bank customers who have approved the application for a loan. They will need to come to the bank branch in person and go through the procedure for concluding an agreement. Do not rush to sign the contract. First, carefully and thoroughly study it, ask questions about all the ambiguities and be sure to get answers to them. And only after that, if you are satisfied with all the conditions and nuances of obtaining a loan, you can sign an agreement.
If the bank refused to issue a loan to you, and you really need it, you should find out the reasons for the refusal, take measures to eliminate them, and after that, you can re-apply to the bank and re-apply. And maybe, if the reasons for the refusal were really eliminated, this time the loan will be approved for you.
From this article, you learned how to take a loan from a bank, and what rules and tips you need to follow so that it really brings you some benefit. And, if you still use the above tips, your credit history will end more than well. Just remember that taking a loan is not the end, but, most likely, this is only the beginning of your “slavery” to the bank, which consists in paying it mandatory and regular payments. And now it becomes your task to do everything to prevent their delay.
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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.
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 of targeted loans is 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 the maximum loan amount and the duration of the contract.
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:
To apply for a loan, it is required to provide documents confirming the client's compliance with the requirements of the bank described above. Typically, a standard documentation package includes:
The exact list of documents required for loan approval is determined by each bank independently.
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:
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.
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.
The size of the regular 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 real cost of the loan includes not only the payment of interest accrued in accordance with the declared rate, but also related payments related to opening a loan account, the presence of various commissions, payments for considering a loan application, 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 lending options.
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.
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.
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.
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.
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.
Upon receipt of an application for a loan, the bank begins checking both the information provided by the potential client and his credit history. It is obvious that the larger and longer-term loan is requested, the more serious checks are carried out by the security service and other departments of the financial organization, 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 institutions. It is also not difficult to check the details of the borrower about his wages 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.
Recently, the usual requirements of banks to potential customers have become somewhat stricter. The fact is that during the crisis, the share of delinquencies on loans issued increased, which, of course, negatively affected the financial situation 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 getting rejected when applying is small consumer loan 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.
The most common reasons for refusal of a loan are:
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.
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.
Many banks, including even the largest ones, such as Sberbank, Rosselkhozbank, VTB 24, have developed and actively apply special programs for 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 amount of pension received by a person and his age.
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:
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.
To issue a certificate of existing or previously received loans in a bank, you must contact the financial institution directly. In addition, the borrower can now easily get their own credit history, which contains all the 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.
