Almost every one of us at least once in my life, but fell into a situation where money is urgently needed, and it is impossible to borrow from friends. You have to contact the bank, but consideration of the application may take up to several days. What to do in this situation? Where to get a loan in Volgograd?
Reliable banks in Volgograd
Volgograd is a fairly large city. In it, as in other large settlements, the infrastructure is very well developed. The presence of banks is no exception. There are a lot of them in the city. And this complicates the question: where to get a loan in Volgograd? How not to make a mistake when choosing a bank?
The most popular and reliable banks are:
- Sberbank
- "VTB 24";
- Sovcombank;
- Russian Agricultural Bank;
- "Alfa Bank";
- Tinkoff
- Home Credit;
- Gazprombank;
- "Post Bank";
- Binbank;
- Rosbank;
- "Renaissance Credit".
These banks have been present in the financial services market for quite some time and during this time they have established themselves well. But this is not all the places where you can get a loan in Volgograd.
On the Internet, you can fill out an application without a personal presence with MTS Bank, Vostochny, Promsvyazbank, Renaissance Credit.
And also, if you need a small amount, you can apply through the Internet to MFIs.
Borrower Requirements
Almost all banks where you can take out a loan in Volgograd present a standard list of requirements for their potential borrowers. First of all, this is the presence of a passport of a citizen of the Russian Federation, as well as the presence of a permanent place of registration with the borrower.
A prerequisite is solvency. Therefore, one of the main conditions is the presence of a permanent job or other source of income. It may be a pension, rental property.
At the time of filing an application for the provision of funds, the borrower must be at least 21 years old, but not more than 65. The exception is loans for pensioners.
The borrower should not have open arrears on loans from other banks.
Documents required for obtaining a loan
In addition to these conditions, banks also demand a package of documents.
A mandatory document, without which you can forget about the loan, is the presence of an identity document, that is, a passport of a citizen of the Russian Federation.
An important document is a pension insurance certificate. By his number, the bank can obtain information about the borrower from the Bureau of Credit Histories.
Additionally, the bank may request the TIN of the borrower. Very often an income statement is required. It can be compiled both in the form of a bank and 2NDFL. As a rule, this certificate is provided when applying for a consumer loan in the amount of 300 thousand rubles or more.
Sometimes, with large loans, a security deposit may be required. For this, a certificate of ownership of real estate or a vehicle is provided to the bank.
Quick application review
But usually the bank needs time to consider the application and make a decision on the loan. And if you need money urgently, where to get a loan in Volgograd quickly?
There are banks that consider the application within a day or several hours.
So, for example, Tinkoff Bank makes a decision in a few minutes, and within a day the borrower can receive money. Having filled out applications on the official website of "East Bank" or "Home Credit", you need to know that the decision is also made within half an hour. And you can go with documents to the bank branch, take the money.
If you need a small amount, up to thirty thousand rubles, you can contact microfinance organizations. To do this, it is enough to fill out an application via the Internet, on the official website of the MFI. You can get money without leaving your home on your bank card.
Where to get a loan in Volgograd without information. Where to go
But where to get a loan in Volgograd, if it is not possible to provide a certificate of income? Is the amount that MFIs give out insufficient?
There are banks in Volgograd, as in other cities, that can issue a loan without providing a statement of income.
If the borrower receives a salary or pension on the card of Sberbank, VTB24, Rosselkhozbank, and so on, then he can get a loan without providing an income statement. After all, the bank is already receiving information about them from the employer.
In addition, without presenting income statements, a loan can be obtained from Home Credit Bank, Vostochny, Post Bank, Alfa Bank, and Tinkoff.