Getting a loan has long become commonplace and familiar to most people. Banks are offering more and more new options for processing a consumer loan. This variety is sometimes difficult to understand. It is for this reason that it is important to determine exactly where to get a loan in Novosibirsk.
Types of lending
Lending is one of the most popular services in the financing market. She is in great demand all over the world. There are several main types of obtaining a loan:
- Consumer credit - the issuance of cash to the population for a specified period and at a certain percentage. Also, this type of financing includes the sale of goods by installments or on credit in stores.
- Credit cards.
- Mortgage - the issuance of a large sum of money with an initial contribution or without it for the acquisition of real estate.
- Car loan - issuing loans to purchase a car.
- Microloans - receiving a small amount of money for a short period. As a rule, the repayment of this loan occurs at the end of the term and in full, taking into account interest.
It remains to decide what type of loan is needed, as well as to decide where it is better to take a loan in Novosibirsk.
Where to get a loan in Novosibirsk
Currently, a cash loan can be obtained directly by contacting the branch of any bank specializing in the issuance of consumer loans. To do this, it is enough to collect all the necessary certificates and documents, and the employees of the financial institution will fill out an application and send it for consideration to the security department. As a rule, making a decision does not take much time. In most banks, this takes no more than 30 minutes. In certain cases, when the borrower asks for a large amount and takes time to verify the documents, it can take up to three days to consider the application.
You can apply online. To do this, just go to the official website of the bank you like and fill out everything yourself. The decision in this case will come by SMS or a bank employee will contact the borrower by phone.
Best offers
But it is best to consider the most advantageous offers in order to understand where you can get a loan in Novosibirsk. The following banks received the most positive reviews from customers:
- Sberbank
- "VTB 24".
- Russian Agricultural Bank.
- Sovcombank.
- "Left-bank".
- Rusfinance Bank.
- Tinkoff
- "Alfa Bank".
- "Ural Bank for Reconstruction and Development".
- Lokoban.
- "Post Bank".
- Bank opening".
These banks provide an opportunity to get a loan at a reduced rate - from 12 percent per annum. At the same time, not only full-time adult citizens can get a loan, but also people who have recently retired. Having studied in more detail the proposals of each of the banks, the borrower will be able to quickly and easily decide where to get a loan in Novosibirsk.
Documents required to obtain a loan
But we need to talk about where in Novosibirsk you can get a loan with a minimum package of documents.
All banks mentioned above are ready to provide their potential borrowers with credit on favorable terms and with a minimum package of documents. It includes:
- Passport of the borrower.
- SNILS (certificate of state pension insurance).
- INN
- Certificate of income 2NDFL or in the form of a bank.
However, these documents alone are not enough. At the time of application, the potential borrower should not have overdue payments on credit obligations in third-party banks. Having a good credit history is an important, but not the most important factor affecting a positive decision. If the borrower meets all the requirements and has a full package, he can choose any bank he likes and receive money without refusal. Where to get a loan in Novosibirsk, you already know.
Get a loan without information
Unfortunately, not everyone has the opportunity to provide a certificate confirming solvency. In this case, potential borrowers have a question about where in Novosibirsk to get a loan without a certificate.
This opportunity is provided by many banks. For example, Alfa-Bank grants loans without inquiries up to 150 thousand rubles, but the annual rate can reach 40 percent. Tinkoff Bank is more loyal in this regard. Here, a loan is issued in cash or on a card in the amount of up to 300 thousand rubles. The loan rate in this bank is only fifteen percent per annum.
MTS Bank is ready to issue a loan to its network subscribers at a reduced rate of 13.9%.
It is important to consider that without providing a certificate confirming the solvency of the borrower, getting a large amount (more than three hundred thousand rubles) will be problematic. But there are pluses. Consideration of such an application is faster, since a minimum of documents is subject to verification.
More detailed information on how and where to get a loan in Novosibirsk without a certificate can be obtained at any of the bank's branches or on the Internet on the lender's official website.
Additional documents
In the event that the borrower requires a sum of money in the amount of three hundred thousand rubles, then, in addition to the basic documents and a certificate confirming the income, additional documents may be required. They can be: a certificate of ownership of real estate or a vehicle (TCP), a driver’s license. An additional document may be a passport. But it is worth considering that it should have marks on leaving the country for the last six or twelve months.
Such a passport with marks will serve as confirmation of solvency. A voluntary health insurance policy may also be useful. A credit card of a third-party bank will help to tell about your solvency. True, it must have the status of "premium", "gold" or "platinum".