Before you arrange a loan, a large part of the population thinks that public banks profitable to take the credit.But in the pursuit of a dream, for which they take the money, people sometimes forget to pay attention to their solvency and possible force majeure.
How to calculate a loan is right for you?
Before settling on any one credit offers, the best option would be:
- Calculate possible creditworthiness and the payment amount per month of the contract. considered the solvency borrower on the loan payment per month which will not exceed more than 50% of total revenue.The best option would be if the amount will be 10, or 15% of your earnings.According to experts, this amount of payment does not affect the level of the borrower's life.
- Have the opportunity to earn additional income. An excellent alternative is, if you have extra money in addition to your primary income.Even if the amount of your annuity payment is invisible to your budget, the money may be needed in the event of unforeseen circumstances.
- defined with exemplary maturity date of the loan. Do not forget: the more for a longer period you take a loan, the lower the interest rates on loans.Do not fall from one extreme to another, find the "golden mean."Statistics show that people prefer to take out a loan for a year or two, but when it comes to mortgages, the 5-10 years.
Getting a loan: the necessary documents
Today almost every bank offers loans for any purpose.The most common type of loan is considered to be consumer credit.This
loan is not a target, and the borrower decides where he can spend the funds without the knowledge of the bank.Almost all banks in a list of documents to apply for a loan:
- Russian passport.
- Certificate of income on Form 2-PIT.
- SNILS, passport or driving license.
- additional documents requested by the bank.
Which banks profitable to take the credit?
Statistics show that at the beginning of 2015 interest rates on loans have increased significantly compared with the period in 2014.Correct would be to link it to the unstable economic situation in the country and the fall of the ruble.
first place is occupied by Sberbank.According to the analytical data, the Bank of the lowest interest rates.This organization long enough to hold its position among the leaders in lending, taking advantage of government support.
The average rate on consumer credit in the bank is 19% per annum.
"VTB 24" - in second place.One of the biggest commercial lending institutions, which is present on a par with Sberbank in each city.
Getting a loan is possible with the rate of 21% per year.
third most popular credit organization - "Bank of Moscow".It is also non-state actors, and works closely with the population.Possible overpayment for the year of 23% per annum.
"Sovcombank" - the leader in lending to the population and senior retirement age.But interest rates on loans is poor and can reach 30% of lending for the year.
Features credit institutions
No expert can not give you a precise answer to the question of public banks profitable to take the credit.When applying for a loan should be noted that each bank has its own nuances.Before you calculate the interest rate, you should consider the following factors: the loan amount, credit period, the insurance under the contract, the estimated rate, the availability of collateral or guarantor, your data from BCI and more.Based only on these data, the lender will be able to calculate the amount and rate of the loan, but only if a personal appeal to the bank.
credit conditions
Almost all banks some requirements for the borrower:
1. Passport of the citizen of the Russian Federation.Some banks make concessions and allow you to take out a loan to persons who have a temporary residence permit, the law does not forbid it, but in practice it happens very rarely.
2. Age from 21 to 65 years.The exception in this section can serve as a "Sovcombank", which provides loans to pensioners under the age of 75 years, provided that at the end of the loan agreement you must not exceed a specified age.At the time of application you must be a maximum of 70 if you want to take credit for 5 years and 72 years old, if you take a loan for up to three years.
3. official work.No bank will give a loan non-working person.Confirmation of your employment can serve as a reference 2-PIT, certificate of state registration of you as an individual entrepreneur or a fixation of your company in the form of company, JSC.
4. A good credit history.The presence of repeated delinquency in the repayment of loans in the past in 100% of cases, serve as a reason for refusal in the loan.And the lack of data in your credit bureau can also serve as a rejection of your application.Experts advise to take a loan inexpensive thing: telephone, household appliances or furniture, and regularly repay the loan and thus established itself as a capable, responsible credit borrower.If you are denied immediately after ten minutes after the application, you can be assured that the reason for this can serve as your bad credit history, as banks check the data from the BCI in the first place.
Reviews on banks
Responding to the question "Which bank is more profitable to take a loan", will be important to pay attention to organizations serving the credit ratings that allow you to present the whole picture of the services offered in the lending bank.Pay special attention to the real negative reviews.
Before you make a decision, in which the banks profitable to take a loan, always check the possibility of your own solvency.It is undesirable to take the loan if the monthly payment is more than 40-50% of your income.Do not complain about the possibility of paying by a credit agreement before the time without taking into account the force majeure.And finally: blaming the credit institution in the event of your difficulties to pay the required monthly payment for a loan must always be approached with a "cool head".
