In the early twenty-first century, a person experiences a huge dependence on the money, and this is due to many reasons.Who wants to live in comfort, with luxury yacht and an apartment overlooking the Kremlin, others forced to seek money for the education of children, and still others want to start their own business, but they do not have start-up capital.What a person does to solve their money problems?Naturally, it takes them to the credit institution.
bank specializes in issuing loans and loan
for many loans in the Savings Bank - it is the only way out.Why the choice in most cases it falls on the financial structure?
primarily because it has an impeccable business reputation, which is accumulating for decades.Moreover, in the arsenal of the institution there are some pretty attractive in terms of benefits of lending programs, and every man for himself can choose the most suitable option.
Of course, the loan from Sberbank - a few "dreary" procedure, because very few people like to collect the documents to obtain money.However, bankers are not in any way do not want to incur financial losses, therefore impose specific requirements for borrowers.Often there are situations when the most conscientious customer refuses to issue money.
Currently, Sberbank loan for a large amount can not be processed without interim measures, ie the pledge agreement, the object of which appear, as a rule, securities and real estate.
requirements
I'm sure many are aware of the fact that any financial structure does not take the money "just anyone."For example, a loan of Sberbank issued to people who have Russian citizenship or are in the status of non-residents, but received a formal right to live and work in our country.
There are also restrictions on age.On loan can count persons 21 years of age.At the same time citizens of over 60 years, as a rule, they denied a loan, but they have the opportunity to take advantage of the special lending program.Bank employees are also always scrupulously study career borrower.For example, you plan to issue a loan from Sberbank.Credit conditions stipulate that you must have worked at one company for at least six months.Remember that.Also, your total length of service in the last five years should be not less than one year.
And, of course, to get a loan from Sberbank, the terms of which in some cases are disadvantageous for the client, it is necessary that the person has an impeccable credit history.If you suddenly find that in the past you made out a loan at another financial institution, and do not always make timely payments of its repayment, do not be surprised when an employee of the Savings Bank's refusal to answer you.
Documents
order for you without any delay, to receive a loan in advance take care of the collection of documents that are necessary for its completion.
primarily on you require an identity document (a copy of the original).Also, you will be required to provide a copy of the work book, which must be pre-certified by the employer.In addition, you must provide employees of the credit institution information on the amount of income (2-PIT).Of course, for the registration of a bank loan, you must have an appropriate level of salary.
should be noted that in each individual lending program provides a list of required documents to get information about this can be in the promotional materials of the Savings Bank.
Guarantors
Currently, in order to minimize their financial losses are actively using credit structure Institute of guarantee.However, there are certain nuances.
For those who are interested in the question of how to take a loan from Sberbank without guarantors, there is only one good news: in the case of an amount not exceeding 45 000, no "guarantees" are not necessary.
In the case where a person expects to receive from 45 000 to 300 000, it should enlist the support of a co-signer.If the client needs to 700 000 thousand rubles, he must bring two sureties, well, when he needs a larger sum of money - three men should act as guarantors of the financial viability of the borrower.At the same time your income level should not be lower than theirs.Also note that the financial institution issuing the credit in a large volume (300 000), would require the transfer of property as collateral.
In any case, large loans without guarantors in the Savings Bank - it is more myth than reality.
How to weigh the "pros" and "cons»
Before deciding on how to borrow money from the bank, you should all think carefully and make all the calculations.Taking over credit obligations, you must remember that your salary should be enough to pay the debt to be repaid on time.Otherwise, you can dig for themselves deep debt hole.
So, you want to determine the order if you need or not a loan from Sberbank.Calculate the "potential" of this idea you can using a special calculator that can be used on the official web portal of the Savings Bank.To use this tool, you will need to enter the address of your residence, indicate the estimated amount of the loan and its repayment period.
I'm sure many thought about how much it will cost loan from Sberbank.Calculate now be lending any option, whether it is a mortgage or consumer loan.If you want the results of the calculation, then do not put it in the closet and start collecting the documents mentioned in the booklet lending program.
most relevant types of lending
Today, a huge number of people, including the retirement age, make out a consumer loan with a low level of income.For the use of funds in rubles borrower is obliged to make 19% per annum and 14% per annum in foreign currency.Term lending is designed for 5 years.
also now many customers are taking credit for urgent needs, because its terms are not intended to find guarantors and registration of property as collateral.The amount of interest is 21% in ruble terms and 15% in foreign currency.The crediting period is 5 years.
Before you arrange the loan, carefully analyze all the terms of its provision to avoid future fines, penalties and forfeits.
