It is no secret that today most of the population of the Russian Federation lives on loans. This is a direct result of the international economic crisis, as a result of which millions of Russians fell below the poverty line and hundreds of banks went bankrupt. In recent years, the Government of the Russian Federation has been actively developing bills regulating the work of such organizations and protecting the rights of ordinary depositors and borrowers. At the moment, the most popular loan option is a cash loan without income statement, which will be happy to arrange at any bank with the appropriate department. Each client is guided by different parameters of the issued loan: the speed of processing is important to one, the maximum amount that can be received to the other, and the minimum package of documents to the third.
Today, a cash loan without an income statement is incredibly simple. It is enough to bring 2 documents to the bank:
- Passport with a valid residence permit in the region where the main office or branch of the credit organization is located.
- The second document proving the identity of the borrower.
Although "obtaining" a cash loan without a certificate of income and guarantors is quite simple, the borrower will have to agree to pay huge interest - up to 70% per annum. Such a large overpayment is associated with the desire of the bank to level its own risks. The maximum amount that can be obtained in this way is determined by the legislation of the Russian Federation and amounts to one and a half million rubles. However, in a rare bank you can get more than 500 thousand rubles. The same situation is with the maximum term for which you can get a loan. In law, it is 5 years, but in reality, rarely is someone able to draw up a program for more than six months. In order to get the necessary cash loan without income statement, exceeding the amount of 500 thousand rubles. it is necessary to provide the signature of the guarantor or the collateral object to the banking organization.
Cash loan limits:
- if there are only two documents, up to one and a half million rubles;
- in the presence of a guarantee and a collateral object in the form of a car - from one and a half million rubles. up to three million rubles;
- if there is a pledge in the form of a real estate object (apartment, private house or land) - up to ten million rubles.
To take out a cash loan without an income statement, it is not even necessary to visit a bank branch. It is enough to find a special statement on the official website of the organization and, filling it out, send it to the manager. Within two hours, the bank will receive a notification by telephone about the rejection or approval of the application. After that it is necessary to visit any branch of the selected bank and present the originals of these documents. It should be remembered that the banking organization has the full right to reject the application and not to give a cash loan without a statement of income after studying all the securities provided.
It is worth remembering that when arranging such a loan, the client agrees to pay sometimes up to 70% per annum. Therefore, you need to understand exactly why you need money. If the need for them is small, then it is much more advisable to collect a full package of documents in order to get "soft" credit conditions and a decent amount for a long term.