So you want to have a good vacation or buy new equipment at home, but sometimes the financial situation does not give such an opportunity. However, you can solve your financial problems. To do this, it is enough to get a credit card or get a loan in cash. This banking service is very popular and in demand all over the world. But where to get a loan in Chelyabinsk?
Borrower Requirements
Any solvent person can get a consumer loan in Chelyabinsk. Mandatory is the availability of a permanent source of income. They can serve:
- wage;
- business income;
- pension.
If the source of income is salary, then the borrower should work in last place for at least three calendar months.
In addition, at the time of application, the potential borrower must be 18 years old. Most loans are issued to people aged 21 to 64 years. For older borrowers, special offers are provided - pension lending.
To find out where to get a loan in Chelyabinsk for people of retirement age, you should contact the branch of any bank of interest. The same information can be found on the official page on the Internet.
In addition, a prerequisite is the presence of citizenship and permanent residence in the region where the bank is present.
Required documents
If you need to obtain a consumer loan in Chelyabinsk, you must provide a specific set of documents to the selected bank. In general, it is standard. But a financial institution has the right to request some additional documents at its discretion.
So, if you decide to take out a loan obligation, you will need to provide the following documents:
- passport of a citizen;
- SNILS;
- TIN;
- income statement 2NDFL.
If the borrower has a driver’s license, they can also be attached to other documents.
Depending on the type of loan, a certificate of ownership or title may sometimes be required. But such documents are most often needed as collateral for property.
If you have a foreign passport, then it can also be provided to creditors. It can serve as an additional document proving the solvency of the borrower. Especially if it contains notes about going abroad in the last 6-12 months.
Holders of a Premium or Gold credit card from a third-party bank can also increase the chances of approving a larger amount and at a better rate.
How to get the
After all the necessary documents are collected, you can contact the branch of the credit organization. Before going to the bank, you should make sure that there are no delays in other loans or credit cards, if any. Delayed payments and a bad credit history are a reason for refusing a loan.
Bank employees fill out the necessary application form, and the borrower only has to wait for a decision. This usually takes no more than half an hour. But in some cases, especially when filling out an application for an amount of 300 thousand rubles or more, it may take more time - up to three days.
You can fill out a loan application on your own on the bank’s official website. This method is the most convenient, since you do not need to leave home or wait in line for this.
You can also send an application to several banks at once. So you will have the opportunity to choose a better loan offer.
Get a loan without inquiries
But not all of us are officially employed. And for some, the borrower’s source of income is rental property. Where to get a loan in Chelyabinsk in this case? This is not a problem today. Many banks issue loans without reference in Chelyabinsk.
But it is worth considering that when applying for a loan without providing 2NDFL, the loan amount rarely exceeds 300 thousand rubles. The interest rate on the loan will also be higher. This is necessary for the bank to insure the risks associated with the possibility of non-refund.
For example, Vostochny Bank offers a loan on one document for people from 26 to 76 years old at a low interest rate. A good offer to its borrowers is made by Home Credit Bank.
A loan without information in Chelyabinsk can be obtained at any bank on whose card a potential borrower receives a salary.
Best offers
Getting a cash loan is a serious and responsible procedure, so it is important to decide where to get a loan in Chelyabinsk. Here are the most popular cash loan banks in Chelyabinsk:
- Sberbank
- Bank "VTB 24";
- "Post Bank;
- Tinkoff
- "North Treasury";
- "Zenith";
- Sovcombank;
- Rosbank;
- "Bread";
- Uglemetbank;
- Chelyabinvestbank
These banks have the most favorable lending conditions and the most loyal requirements for potential borrowers.
Get a loan at Sberbank of Chelyabinsk
However, Sberbank makes the most favorable loan offers to its customers.
It is possible to get a loan from 18 years old without unnecessary references and at a low credit rate. Loans are granted for long periods, and with early repayment of the loan penalties are not charged. The bank offers interesting programs for youth, senior citizens, and people with disabilities. For regular customers the system of bonuses.
In addition, the bank has state support, which makes it significantly more reliable than many other banks.
At Sberbank you can apply for:
- consumer credit;
- credit card
- mortgage
- loan refinancing.
In addition, the city has many bank branches, which is very convenient, you can choose the closest one - next to the house or office.