Sometimes borrowing requirements can only be met by bank loans.Proposals on the market weight.How not to be mistaken with the choice?
How to get credit?
on the territory of the Russian Federation there are many government and commercial organizations, each of which offers its own unique conditions.Driving a loan is the same in any credit institution.You must select a service to provide documents and await the decision.
Bank may require:
- passport, confirming the citizenship of the Russian Federation;
- certificate of employment income for the last 6 months;
- copy of the employment contract or a certified seal of the enterprise;
- the second document of your choice (driver's license, passport, military ID, and so on. D.).
If a large amount of the loan may be required:
- guarantee of third parties;
- collateral in the form of property.
loans in Russia are issued to citizens aged 21 years to 75 years.This upper limit is to be achieved at the end of cooperation with the bank.Terms, deadlines and documents may vary depending on the selected program.
How to obtain a consumer credit?Cash Loans can be issued in rubles, dollars or euros.Interest rates depend on the chosen currency.The fee for the use of borrowed funds may be lower if they are provided with additional safeguards in the form of pledge or guarantee.
Express
If you urgently need the cash and time to wait for the decision of the bank does not, you can contact the "Credit Cafe", "Instant Credit" and so on. D. These organizations offer their clients a small loan for a few days at a preferential interest rate.How to quickly get a loan?Suffice it to refer to "Bystrodengi" in the workplace, identification, data on the employer, and 20 minutes to pick up the cash.The advantages of such organizations more: a minimum package of documents, high speed decision making.How to quickly get a loan to Russians?The second option - to turn to the bank, which had previously taken loan.If the conditions of income has not changed, it is likely that the decision will not be long pull.
check what banks?
During consideration of the application lenders first check the adequacy of the data in the questionnaire.Further information is analyzed to stop factors: the retirement age, the registration of the borrower in an unstable region, and so on. D. Each parameter of the questionnaire program assigns a score.On the basis of the total number of bank decides.
What you should pay attention to the potential borrower:
- the total amount of the overpayment;
- penalties for late payment of fees for early repayment;
- all the footnotes in the agreement prescribed the fine print.
How to get a bank loan without insurance?
easy if the loan amount is small.According to the Federal Law "On Protection of Consumers' Rights, forced insurance is illegal.These requirements are optional, but may increase the interest rate if the client refuses services.On the other hand, when the insured event the borrower gets the money and avoid problems in the payment of the loan.
bad reputation
2009-2010 economic crisis has left many people out of work.After losing a source of income, they could not settle with the bank for its obligations.This is reflected in the credit history.However, the need for money can arise at any time.Where and how to get a loan "bad" customers?
Problems can arise because of the banal error.According to statistics, 30% of the loans paid out of time due to forgetfulness customers.Therefore, banks often offer services SMS informing about the timing of payments.Agree or not, the client decides.Another thing, if the bank refuses a loan, citing a bad credit history of the borrower does not even know.Then there is the opportunity to verify the information by asking the credit bureaus all customer data.Incorrect data can be corrected.Some banks give out loans even the "bad" borrowers, but at high interest rates.Returning a loan on time and in full, the customer can improve his reputation.
accidentally corrupt relationship with a bank once, people are afraid to contact the agency again.And for good reason.Moreover, the banks are interested in working with older clients.How to get the credit institutions with which relations have been marred in the past?Just as in other organizations.Customers who want to improve their reputation, contact the credit department with a request to build a new payment schedule and to agree on the size of the payment.Banks are interested in repayment of the loan, so reluctant to meet him.
How to be retired
Get a loan Employed person aged from 21 to 60, ceteris paribus quite easily.However, the need for money can arise and the elderly.As pensioners get a loan?For the most vulnerable categories of the population, banks are developing programs with special conditions.For credit institutions retirees are attractive category of borrowers as:
- they are law-abiding, integrity and binding;
- they have at least and small but steady source of income.
But the stumbling block in these borrowers may be:
1. Age.At the time of repayment of the loan payer must be under 75 years old.
2. The level of income.If the only source of pension funds is the borrower, then the large size of the loan should not count.If a potential customer has to continue to work or engage in entrepreneurial activity, the chances of him much more.Loan terms will differ only on terms.Interest rates remain at the same level.
Another feature to maintain pensioners - compulsory credit life insurance.Thus, the financial institution does not bear the risks associated with the possible death of the client, which would entail the non-payment of the loan.But even in this case, a retiree can expect a small amount of the loan for a period of several months.To increase it, you need to attract younger co-signer with a high level of income.But here another problem arises.In case of death of the borrower its assets and liabilities are transferred to the next of kin.Here's how to get a loan for a large amount pensioner.
free loans
Today, many banks offer their customers to issue a loan on favorable terms.It is very important to understand what is meant.
one thing if banks are temporarily reduced rates.Such actions are rare and most often caused by the need to put into circulation means privechennye on deposits with a small percentage.Another thing, if the bank offers to issue a loan at "0%."How to get a soft loan in this case?Nothing.The fact that the Law "On banks and banking activity" clearly states that grant loans free credit institution has no right.The minimum interest rate shall be 0.01% per annum.But in this case, banks may force the client to issue an additional package of paid services, starting with SMS-notification and ending with life insurance.So before you think about how to get a "free" credit, carefully read the terms of service.Perhaps more advantageous to borrow at high interest rates, but without additional fees.
money for business development
borrowing requirements may arise not only from individuals, but also businessmen.How do I get credit for business?You must apply to the bank, requesting to provide copies of the statutory documents, financial statements.Depending on the amount and purpose of the loan, the decision is made within 7-30 days.Most often, banks open credit lines to its customers.These tools can be used to meet current needs, such as payment for materials.In this case no additional guarantees do not have to provide.But the options for how to get a loan without guarantors for the financing of major investment projects, almost none.The bank will not give a large sum without third party guarantees or collateral.
problems
Most of the population is in the credit bondage.The devaluation of the ruble, the decline in wages, job cuts - all these factors affect the solvency of the borrower.Responding to the banks is becoming harder.But there is a solution.There are several options for addressing the debt on the loan.The Bank may grant an extension of payment to repay the principal, allowing for some time to make interest only, or extend the contract to provide "credit vacation."The latter option is extremely rare.
debt restructuring as follows: extended repayment period and monthly payment decreases.In such a case would have to pay more money in interest.But when the situation will improve, it will be possible to repay the loan ahead of schedule.
You can change the schedule of repayment of the loan.For example, for some time to pay for a loan on a quarterly basis.Or, for a short time the size of payments is reduced to the desired amount and then increases proportionately.
If the borrower is experiencing financial difficulties, it can apply to the bank for help.But while the lending institution will insist on openness on the nature of the problems.Help will be only if they consider the problem of temporary and casual.If the situation is critical, advise to sell the collateral.
How to defer loan
possibility of obtaining a "vacation credit" can be spelled out in the original contract.But this measure is only good for the bank.Natural persons an opportunity not to pay the debt within 1-36 months.After this delay increases the amount of payments and fees are added in the form of interest.Therefore, earlier such vacation will bring additional costs.
If the borrower still decided to take a respite, it is first necessary to find out the bank:
1) Is this allowed under the contract.
2) Will there be any delay in payments (usually bank allows you to not pay the principal debt, but requires the timely repayment of interest).
desire to take a respite will need to document: a certificate of employment of the delay for obtaining wages, child's birth certificate, a medical certificate with the diagnosis, and so on. D.
alternative output
Instead of thinking how to get a deferment on the loanbetter to try to agree on a contract extension.Mortgage can be extended for 5 years.Validity of consumer and car loans fail.To count on a positive solution can be used only if the borrower up to this point in time and in full make payments.
To initiate the rollover, you need to write a letter to the bank with a statement of reasons, to provide all the supporting documents.A similar procedure is carried out daily for at least one week as lenders tend to "not understand" what was going on, the first time.The Bank may refuse to rollover without explanation.In any case, the probability to extend the term of the contract is higher than getting a reprieve.
Six Rules of the Financial Stability
Before taking the extra capital, you need to carefully evaluate their ability to pay.Bank, analyzing customer data, cares only about the return.A balanced budget and living standards for the duration of the contract should reflect the borrower.
1. Calculate the optimum size of the monthly payment.Experts claim that it should not exceed 40% of income.Banks reduce this limit to 20-30%.In the calculations it is important to focus only on current income.That is, if after six months for the implementation of the plan of work you plan to get a bonus of 50% of salary, it is better to postpone the purchase of 6 months.Or specify when ordering your real income at the moment.By the way, in the UK after the 2010 crisis, banks have forbidden to issue a mortgage, the amount of which is three times the annual income of the borrower.
2. Determine the optimal term of the loan based on the amount of monthly payment.
relationship between these indicators is reversed.The longer the loan, the smaller the size of the payment.But in this case the bank will have to return the money more as an annual effective interest rate increases.In the long term the risk of unexpected costs are very high.
3. Keep a reserve fund.
Its size should be between three to six monthly payments.This amount can be stored in the cash placed on deposit and use if for some reason you can not make a payment in a timely manner.In some cases, the reserve fund will avoid most of the credit.
4. Make a loan to buy the really important things.
5. Remember the little things.
During calculations do not round up the amounts received in the smaller side.In particular this applies to the monthly payment.If you do not return even a penny jar in the current month, you will have to pay a fine, which is calculated as a percentage of the loan amount.In addition, these clients will automatically fall into the category of malicious defaulters.Get a loan in the future it will be very difficult.
6. Prepayment and increase monthly payments - is not the same thing.In the first case, the balance of the loan with interest back to the bank immediately in one payment.But if the client just a few consecutive months the amount paid above the set, it does not give him the right to independently organize a "vacation credit".
Conclusion In life there are different situations.Need for additional funds can occur suddenly.Well, if a person has on the accumulation of "rainy day", then do not have to go into debt.How to get a loan without certificates?Easy, if you have a steady source of income.You need only apply to the bank with your passport and leave the application.The need for a guarantor may arise when buying an apartment, car, or if the loan is taken for business development.In other cases, banks require a minimum package of documents, quickly review applications and make a decision.Here's how to get a credit Russians.
