Today lending - is a popular and affordable way to solve the financial problems, the right thing to buy a new car or even an apartment or private house.
For many a loan or loan - the only way to achieve their goal, because to save a large sum is almost impossible.
who provides loans to citizens?
loan issued to an individual variety of lending institutions - are banks, microfinance institutions, credit cooperatives, and so on. D.
Banks offer a huge selection of loan programs.For example, the target - auto loans, mortgages, education loans, and so on.You can also get credit for urgent needs, that is, without confirming the intended use.
All information on banking products can be obtained without departing from the threshold of the house, since virtually all financial institutions have their own websites, where you can also arrange an online application for the loan.
How to get the necessary money?
to issue a loan to an individual bank, the customer must meet certain requirements.Age should be between 21 and 65 years old.Longevity at the same place must be at least 6 months.To obtain a loan need to submit documents.In addition to passports, credit experts will be asked to income certificate form 2-PIT or in the form of the selected bank will also need a copy of the employment history or employment contract, certified by the personnel department at the place of the borrower.If the client is the owner of a salary card of the bank or a pension to the account opened in it, then take out a loan to an individual will be much easier - documents confirming solvency and employment to provide, as a rule, is not required.
necessary to remember that getting a bank loan can take several days or even weeks.This is quite common, especially in the production of large amount of credit required to provide collateral or guarantors (for example, real estate or a car).If the bank makes positive decision on a completed application executed a loan agreement with an individual.
Other ways of getting money into debt
much easier to get a loan to an individual in one of many microfinance institutions.This so-called micro or express loans.For their design is most often required to provide only a passport.These loans are issued even to customers with a negative credit history or without a permanent job.However, the interest rate on microloans is much higher than just a loan.Consideration of application usually takes from 15 minutes to 1 hour.Borrower can become any citizen who has permanent registration in Russia.It may be pensioners, students, those working informally, and other categories of citizens.
thus draw cash loans to individuals today will not be difficult, since the choice of financial institutions and credit products offered is very large.Borrowers just need to properly articulate their needs and on the basis of them select a suitable loan product.
