What documents are needed to get a loan from the bank?

Collecting a package of necessary documents is the first step in obtaining any loan. Depending on the chosen bank and the loan program, their list may vary: some of them are required without fail, others - only when applying for a certain type of loan. At the same time, the borrower's chances of obtaining a particular loan increase significantly if there is some evidence and information in the loan business. What documents you need to provide to obtain a loan, which ones are mandatory, and which are not, and how packages of documents differ in different banks are described below.

Standard set of documents

Regardless of the selected loan product, the manager will provide the borrower with a list of what documents are needed to obtain a loan. The client agrees to provide the original passport and photocopies of all its pages, which can be certified by the borrower himself, as well as the signature of the manager of the bank receiving the documents and the stamp of the credit organization. Additionally, an application for a loan and application form are required. Some banks offer customers an application form that combines both forms.

List of standard documents for obtaining a loan

Most banks give their customers lists of which documents are needed to obtain a consumer loan, and which ones to get a mortgage. Typically, you will need:

1. A copy of the work book certified by the personnel department or any other document that confirms the client’s employment - a certificate from the employer, a contract, an extract from the work book. Such documents should indicate the place of work, position and length of service. Each page of the document must be certified. Seafarers are required to provide passports, contracts for the last few years and their official translation into Russian.
2. Certificate of Income. It can be issued in the standard form 2-NDFL or in the form issued by the bank. It is certified by the seal of the employing organization and signed. It should contain information on the amount of the borrower's income for the last six months at least. If, in addition to wages, the bank's client has a third-party source of income (from renting out property, a pension, etc.), then documents are provided confirming it - such papers can significantly increase the chances of obtaining a loan.
3. Documents that confirm the fact of the presence of a deferment from military service - military ID, registration certificate and others. Only required if the borrower is under 27 years old.

In addition to the documents listed above, many financial institutions may require additional ones. What documents are needed to obtain a loan in addition - is described below.

Additional documents required by the bank

The documents listed below can be prepared not only at the request of a credit institution, but also at the personal initiative of the borrower. Most of these securities can not only confirm the social status of the borrower, but also positively affect the assessment of its solvency. Such documents can be provided to the bank when applying for both a consumer loan and any other loans and loans secured by property - real estate or a vehicle. What documents are needed to get a loan in addition?

• Certificate of car registration or driver’s license.
• INN
• Pension fund insurance certificate.
• Passport - if available.
• All insurance policies - CASCO, CTP, MHI and others.
• Original certificate confirming that the borrower is the owner of the property, or a copy thereof.
• Bank statements, any documents confirming the existence of these accounts or securities.
• Photocopies of papers on education: certificates, diplomas, certificates, certificates.
• Account statements, copies of previously executed loan agreements, certificates from credit institutions confirming the absence of debts.
• Copies and originals of birth certificates, marriage or divorce.

When issuing a consumer loan aimed at purchasing goods, for example, household appliances, a credit institution may require the borrower to provide an invoice from the store; when applying for a loan for education - an agreement concluded with an educational institution, and a copy of its license certifying its right to conduct such activities.

Making a loan at Sberbank

To receive money in debt, a potential borrower can contact one of the most popular banks - Sberbank. What documents are needed to get a loan in it?

If the borrower has never used the services of a given credit organization before, then the requirements for it are several times tougher than for other clients, and verification of the received documentation will be carried out several times more thoroughly.

Required documents

The loan officer must receive the following papers from the borrower:

• Proof of identity - passport.
• A work book, a contract with the employer or any document confirming the presence of a permanent place of work.
• The certificate and extract from the Unified State Register are provided by individual entrepreneurs.
• Reference 2-NDFL, tax returns with affixed seals of the Federal Tax Service.
• Documents confirming an additional source of income - for example, from the rental of real estate or outside employment. Notification of the bank about this will increase the chances of obtaining a loan.
• Men under 27 years of age must be provided with a military ID in order to prevent late payments on loans due to draft in the army.
• Persons acting as guarantors should not have any debts to credit organizations. In addition, they are required to provide a similar package of documents to the bank manager.

The borrower may, on its own initiative, present to the bank papers confirming its right to own real estate or any other property. Such certificates will confirm the solvency of the client and increase his chances of obtaining a loan.

Getting a loan at the Russian Agricultural Bank

A standard set of securities required to obtain a loan is available at each bank; Rosselkhozbank is no exception. What documents are needed to get a loan in this financial institution?

A loan agreement is executed after the following documents are submitted:

1. Each person participating in the design of a loan product fills out a questionnaire. The questionnaire form can either be taken at the institution or found on the official website of the Russian Agricultural Bank.
2. Proof of identity. In most cases, a passport is required.
3. Employment contract or book - paper confirming the employment of the borrower. Such documents are certified no later than a month before the time of application.
4. Certificate 2-NDFL or a similar form issued by the bank and confirming the amount of income of the borrower. If the loan is issued to a pensioner, it is necessary to present a statement on the calculation of the pension.
5. Military ID.

The above lists what documents are needed to obtain a loan. Providing a full package to Rosselkhozbank will help to arrange a loan, and increase the chances of getting it.

Getting a loan at Sovcombank

One of the most successful banks to date is Sovcombank. What documents are needed to get a loan in it?

1. Passport of a citizen of the Russian Federation.
2. The second document confirming the identity of the borrower. It can be any paper - a driver’s license, military ID, medical insurance policy.
3. Tax certificate in the form of 2-NDFL or a special document issued by the bank.
4. An employment contract or employment record.

What documents are needed to receive a pensioner's loan?

A pensioner who receives his pension at Sberbank, for example, when applying for a loan, must provide only a passport, since all the necessary documents are already stored in the credit institution. If the pension is accrued by one bank, and the loan is issued in another, then it is necessary to take a certificate on the amount of the pension from the Pension Fund.

Making a loan agreement with a bank requires the provision of a certain package of securities. What documents are needed to obtain a loan, and in which specific banks, are described above.