any store today impresses visitors with a wide range of useful and attractive products.And if many of the older generation are ready for several years to save for the purchase of one or the other, young people want to get everything at once.The easiest way to achieve the desired - to borrow from the bank.But where to give loans to 20 years?
Common requirements for borrowers
When considering an application for a loan from the bank primarily draws attention to the solvency of the applicant.Credit institutions are willing to cooperate with the officially employed citizens working in one place longer.But at the same salary should be "white" and decent.
much easier to get a loan at 20 students receiving scholarships.In this case, a certificate from college or high school attached to the main list of documents, and the bank is considering the real monthly income.Reluctantly cooperating organization with young people because they are likely to conscription.The presence of military ID - the requirement is optional, but if the document is available, it is desirable to specify in the application form.
Experience shows that women are much easier to get a loan, regardless of age.Even serious lending programs often require a minimum age of the borrower for 1-2 years less for women than for men.
The simplest types of loans
course, a mortgage for a few million twenty years the applicant has not issued any bank, even if all other requirements for the potential borrower is suitable.But to get a consumer loan for a small or medium amount or a card with limited limit is realistic.
Do not forget about loans to purchase.Such loans to 20 years can be issued directly to the shop.You choose the goods, enter into contracts and go to the purchase of home.Moreover, many banks offer this type of loan with no down payment and adjudication takes a few minutes.
today on credit to buy home appliances and electronics, jewelry, clothing, fur and leather, and more.Regarding the choice of cash or credit card, it is a question of purely individual.It is important to understand that the loan obtained from the bank the money can be used at their discretion.Credit card is better suited for non-cash payment and cash out from an ATM to finance them is often very profitable.
large loans for serious conditions
much easier to get a loan if the applicant is willing to program software and has some expensive property in the property.But agreeing to such conditions, it is important to understand that at the termination of the loan repayment is not difficult to stay without your favorite car or apartment.
There are also loans with guarantors.In this case, the contract involved a third person who agrees to repay the loan amount in the event that the original borrower will be unable to cope with this task on their own.Such loans from 20 years to get difficult, and they are quite popular.But the problem is that not all young people tend to put family and friends aware of the fact of his cooperation with the bank.
How to get loans with 20 years?
should start with finding a suitable bank.The easiest option - to visit the offices of organizations, credible, and fill out an application in person under the supervision of consultants.You can send the form and via the Internet on the official website of the bank.
Even if your goal - to get a loan (20 years) without guarantors, it is not necessary to accept all the proposals.Collaborate is only with the big banks.Little-known credit card companies make loans almost everyone, but they have higher interest rates, and in case of problems at the customer problems can be very unpredictable.
Before signing a contract, carefully review all the terms.Often, the amount of the overpayment would unduly increase due to insurance or other charge.It is advisable to ask to evaluate the proposed credit agreement financial expert or a qualified lawyer.
