now the most popular loan product is considered to be consumer credit in cash.In this regard, banks are trying to attract more customers, develop different types of loan programs, now you can even take out a loan without income and guarantees of third parties.But it is worth emphasizing that the latitude of the list of documents that you provide to the bank depends on the following:
- The interest rate on the loan.
- Provided amount of borrowed funds.
- Term Loan.
- presence of additional fees.
If you want to get money for a very short period of time and providing fewer documents, prepared for the fact that the conditions for a future loan would be unprofitable for you.So the bank insures itself against the risk of non-payment of debt by borrowers.Whether to take a loan under these circumstances - you decide.
Why customers do not represent an income statement?
Unfortunately, at the present time a lot of people when applying for loans to banks faced with the problem associated with the inability to present a certificate of income from employment.Or referred to in the client's help official income is so low that will not allow him to obtain the necessary amount.This is due to the fact that Russian citizens are increasingly working informally, and the official salary is much smaller than it actually receives the employee.Now more and more people are employed in so-called envelopes.
However, if you have a formal employment and the bank can pass an income statement, albeit with low, we recommend to do it.So you show the bank that you have a formal job.If the certificate can not be provided, we recommend that you present to the bank a copy of the work book, because to take a loan without income and formal employment is much more difficult.As a rule, the unemployed to repay up to a hundred thousand, for a large sum, they can not count on.
bank loan
Can I get a bank loan with no income verification?Answer - yes.Most banks on its list of banking products are loans without certificates of income.As a rule, the amount of such loans are small, but the client can spend it as he wishes, since the intended use of loan funds, banks do not control.
chances of getting loans in the framework of such a program have maximized the potential borrower, if he has an open contribution to the bank, which applied for a loan, or whether he had in the past, positive co-operation with them on closed loans.Get a loan with a bad credit history in banks is not possible.They try to work only with honest borrowers.
Where can I get a loan without income verification?Almost all banks, even the state, have in their arsenal this kind of lending.- Your task is to examine all the conditions for them to choose the most optimal for you.
If the borrower requires a large amount, but also without providing statement of earnings, the bank can offer collateral in the form of liquid assets or guarantees of third parties.Under the existing pledge of the bank is ready to give a large sum of borrowings.
Credit card
Another way to take a loan without guarantors and certificates of income is the design of a credit card.The main advantage of it is that the bank decides to issue cards on the basis of the information specified in the client application.This means that virtually everyone can count on the design of such a loan - a student and pensioner, and any citizen without formal employment.The main thing that they came of age and had a residence permit in Russia.
consider the disadvantages of this type of lending:
- map banks tend to give a small amount.However, if a person showed his good faith of obligations under it, the bank may decide to increase the limit on the map.
- excessive interest rates.By raising interest rates banking institution is trying to lower the risk of default by the borrower's credit.
- presence of commission for withdrawing cash from the map.
Where and how can I get a credit card?
Where can I get a loan on the map?Almost all banking institutions offer similar banking services.These include large financial institutions, such as Sberbank, Alfa-Bank and VTB24.
Make a credit card is now possible not only in banks, but also on their official website, without leaving home.Just need to fill in the questionnaire on-line, and wait for the decision on the part of banking specialists.If approved, you will receive further instructions from the experts to get the coveted card.
among the citizens of the Russian Federation are very popular credit card from the bank "Tinkoff".The decision to issue is taken by the bank in a very short time - just a couple of minutes.On the map, you can get the money in the amount of up to three hundred thousand, and the stipulated fee for card service and the commission when withdrawing cash money about three percent of the amount received in cash.
The second most popular is the card from the bank "Renaissance Credit".The application is considered within fifteen minutes, the maximum amount that can be spent is also three hundred thousand.Also present commission for cashing and an annual fee for the card maintenance.The interest rate on it is up to 40% per annum, but provided an interest-free period of using the money.
Also considered products of the above banks, there are institutions, which, although less popular with the citizens of Russia, but all the same to them, too often turn:
- «Russian Standard";
- «MDM Bank»;
- Bank "Avangard";
- «Alfa-Bank" and others.
Microloans
take the credit without income can in microfinance institutions.As a rule, for its processing needs a passport, in rare cases, you may need another document, such as a driver's license.On a large sum here should not count.In addition, such organizations set a fairly short period of time to repay the debt and simply huge interest rates.
Loans to private individuals
Another way to take a loan without income - is lent from a private individual.What are the conditions at the creditor?Same as microfinance institutions - a small sum, short deadlines for repayment and the extortionate interest rates.In addition, there is a risk of running into a scam, in which people with financial problems are an excellent "prey."
In connection with this approach to the choice of a private loan with extreme seriousness.For a start would be good if you will communicate the appropriate forums with people who have already benefited from these services and their cooperation with the private creditors, it was successful.
Note that real lenders will not require any payment prior to the conclusion of the loan agreement and the receipt of his borrowings.If you encounter such a situation, in which the lender asks you to pay in advance for a month in advance in order to ascertain your honesty and ability to pay, do not worry, you're dealing with a fraud.
recommend before signing the loan agreement to show it to his lawyer in order to avoid misunderstandings in the future.It would be better if the signing of the contract and the transfer of money will occur in the presence of a notary.
store credit
To be precise, the store can only provide credit, since he had no license to carry out credit operations.If you want to buy or household digital equipment, but the money is not enough, it is not necessary to apply to the bank for a loan.Today, many shops can offer their customers credit.To make an installment on you will only need a passport.
important
Remember never to forge an income statement or a work book.Since the security service bank will disclose your cheating easy.They have the opportunity to make a request to the tax office, which will provide all the information about your contributions to the budget.
If you have provided false information to the bank, it can be treated as a crime, and you may face criminal liability.In addition, you get blacklisted by banks, which means that to get a loan in banks you will no longer be able to.
We reviewed the main methods of obtaining borrowed funds without submitting to a bank statement of earnings.How to take the credit - it's up to you.
