Express credit has always been the most favorite service of financial institutions.It's - a sure way to make huge profits in a short period of time.The interest rate on these loans can be up to 70% of the banks due to higher risk factors.After all, processing credit card without certificates of income, financial institution lends money without any guarantee of repayment.Huge profits in this case, provides a large number of loans granted in such a way.It also eliminates the loss of bank fraud.
credit card without references and guarantors
today to issue a consumer loan can express almost any bank.Get the money and you can cash (in the office), and the freshly printed card.To make a credit card without certificates of income, you must provide the financial institution 2 document, namely:
- valid passport of the Russian Federation with the obligatory registration in the vicinity of the branch of the selected bank.
- Another document that can confirm the identity of the borrower.
get a credit card without certificates of income, the client agrees to pay often exorbitant rates - up to 70% per annum, but the terms of payment can be significantly mitigated by the financial institution providing more information and guarantees.With only two documents can take a maximum of 500 thousand rubles for a very short time.And, although the laws of the Russian Federation provides that these loans are available for up to six years, most financial institutions rarely exceed six months.
list of documents and guarantees
To obtain consumer credit with milder conditions can be provided to the financial institution the following documents and guarantees, in addition to the above:
- certificate from the place of work experience;
- certificate of income for at least six months;
- surety;
- guaranty object - usually it serves real estate or cars
In the case of a full package of documents, including the signature of the guarantor and collateral object in the form of property, the borrower can expect to amount to 10 million rubles for a period of 20 years.Making credit card without certificates of income, he agrees with the majority of the conditions of the banking organization, including higher interest rate and often the impossibility of early repayment of the loan.Thus, the borrower begins to pay more than 50% of the direct cost of purchased goods or services.
Today we can say with confidence that the issue of certificates without a credit card - it's like that give the bank your hard-earned money.If you are already required to borrow, it is much more expedient to collect the most complete set of documents, to find a guarantor and collateral object.The only way to take the credit, because then the conditions of its production will be more beneficial to the client.Interest rates on such a loan will rarely exceed 15-20%, and the maximum amount can be up to 10 million rubles.
