When applying to any credit institution for a loan, the client must provide a certain package of documents. As a rule, the passport and the place of registration of the borrower are checked first in the bank. Also, many pay attention to the existence of a certificate of income.
To date, there are very few lenders who can provide a large amount of money on credit based on only one identity document. Nevertheless, some citizens do not have the opportunity to confirm their registration or they are simply registered at a different address in an apartment that is not located in the Russian Federation.
What to do in this situation? Can I get a loan without registration? Let's consider this question in more detail.
Features of loans without a residence permit
Although there are not many, but, nevertheless, there are organizations in the territory of the Russian Federation where clients can obtain loans without a residence permit in Moscow or a permanent place of registration. Such banks include Sberbank and Rosbank. These companies have programs for people without a permanent job or residence in the region where the loan office is located. In this case, obtaining a loan without registration in the passport is not so difficult.
In addition, it is worth considering that a citizen has the opportunity to get a loan. For her, it is enough to provide only a document that confirms where exactly the person lives. Temporary registration is valid for several categories of individuals. First of all, these are citizens of other countries, as well as those people who do not have citizenship. The maximum period of temporary registration is usually 90 days. Based on this, it is easy to guess that you can get a loan without registration in Moscow for no more than 3 months. Otherwise, the borrower simply will not be able to leave the territory of the Russian Federation until the loan is paid off, which contradicts the registration law.
MFI
Of course, getting money from a well-known bank is not so easy if a person does not have a permanent residence permit, registration or other supporting documents.
In this situation, you can contact the MFI. In organizations of this type are usually more loyal to these categories of borrowers.
Today, the market has a huge number of companies providing such loans. However, if a borrower cannot confirm a residence permit even in another region, then it will be impossible to obtain a loan.
If there is no registration in the passport, then you can apply for a loan only in companies that provide microloans. However, in this case, the borrower will also have to meet certain requirements. For example, to obtain a microloan it is necessary to confirm that a person has already been a client of a bank and regularly paid debts. You will also need to clarify a permanent job and stable earnings.
In some situations, you must additionally indicate your property as collateral.
If the borrower can only provide temporary registration at the place of his stay and he does not have any registration in the passport (regardless of the country), then most likely he will be refused a loan. And this applies to any type of organization.
How to get a loan without a permanent residence permit
Obviously, getting a loan in this situation will be very difficult, but there are several options that may work. The borrower must first visit the bank through which his salary is accrued. If a citizen of the Russian Federation is a holder of a salary card of a certain banking organization, then, most likely, certain benefits are provided for him. As a rule, in this case there is no need to provide additional documents. That is, by and large, a person can get a loan without registration.
However, one must be prepared for the fact that in such a situation, the borrower will expect higher interest rates on overpayments. In addition, you will need to indicate your work phone number so that the representative of the credit organization can call the boss and clarify whether the potential borrower really works in a particular organization. The same goes for retirees.
The most loyal programs, which can be used to obtain loans without a residence permit, operate at Alfa Bank and Sberbank. Accordingly, the longer a person has been holding a card, the more data the bank organization has regarding monetary movements in the accounts of the borrower. If they see that over the past few years quite impressive amounts of money have constantly been credited to the account, then this will be a kind of guarantee that a person will be able to properly pay debts. In all other situations, the only option left is to contact a microloan organization, where it will be possible to get a cash loan without registration with the least problems.
Kredito24
According to customer reviews, in this organization it is very convenient to arrange loans online. At the same time, the decision to issue a loan is made very quickly, within a few minutes. At the same time, there is a flexible credit system. The loan repayment period without registration is from 1 week to 30 days. Moreover, the client can at any time change the repayment period of his loan.
With the timely payment of funds, citizens receive a certain number of points in the rating, so that the next time they can count on a larger loan amount. At the same time, you can manage all operations directly from your personal account via the Internet. The maximum loan amount in this case is 30 thousand rubles. You can get a credit card. The interest rate of a loan without registration will be 1.5% for 1 day of use of funds.
Lime loan
In this company you can get a microloan in the amount of up to 20.5 thousand rubles. In this case, the payment period is increased to 3 months. Also, citizens of the Russian Federation can apply online. To obtain the required amount of money, you must provide a copy of the internal passport, indicate your mobile phone, and also enter the number of the bank card to which the funds will be transferred.
The term for consideration of applications is no more than 1 minute. As in the first case, all processes are automated, which allows the client to independently manage their account, balance and loan repayment. In addition, in this organization, customers who have a bad credit history can count on money loans.
Money man
This microfinance organization is also very popular and has good reviews from consumers. All company activities are conducted exclusively through the Internet. Accordingly, on the organization’s website you can find all the necessary tools for managing funds.
Loans are issued very quickly, applications are considered no more than a few seconds. At the same time, the site has round-the-clock support for customers who want to clarify certain nuances. The loan amount in Money man is up to 70 thousand rubles. Moreover, money can be borrowed for up to 18 weeks with an interest rate of not more than 0.76% per day.
Platiza.ru
This large microfinance organization also allows you to apply for cash online. At the same time, the loan can be transferred both to the bank card and to any payment system, for example, Yandex.Money or QIWI wallet. There is no need to visit the office. An application can be issued in the amount of up to 30 thousand rubles for a period of not more than 45 days.
At the same time, a personal account is also available to customers, where they can get information on the available limit, interest rate, debt balance and much more. It should be borne in mind that the overpayment can be significantly reduced if the applying citizen can provide additional personal data or a deposit.
IWC Konga
In this organization, you can get a microloan in the amount of up to 13 thousand rubles. Money can also be transferred to an account in a payment system or a bank card. The interest rate is 0.77% per day. It is not necessary to go to the site to fill out an application. The company has developed a special mobile application for phones running on the Android operating system. It is very convenient for fast data processing. In addition, all the necessary alerts will come instantly.
Finally
Today, only those who are already clients of the organization can get a loan from a bank without registration. In other situations, it makes sense to apply for microcredit, but you should be very careful. When choosing an organization, it is necessary to clarify its status, availability of a valid license and other information. In order not to overpay the crazy interest in the end, you should carefully study the contracts before signing them. Otherwise, taking a few thousand rubles, you can even say goodbye to your apartment or car. Remember, there are a huge number of scammers. In order not to get caught by them, it is worth giving preference only to serious organizations. It is best to preliminarily check with the bank, perhaps it has a program, under the terms of which you can not provide additional data.