It often happens that much-needed money ends at the most inopportune moment. Probably, every person at least once in his life found himself in a situation where a certain amount of money was urgently needed. Solving a financial problem will help to obtain a consumer loan. The question of where to get a loan in Yekaterinburg has long been not a problem for reliable borrowers. But what about the opposite situation?
Where can I get a loan?
Filling out a loan application has long ceased to be a difficult issue. Much more difficult is the breadth of choice, where you can get a loan in Yekaterinburg. In the city there are a lot of banks and microfinance organizations that offer, and some even impose their services to the population.
You can get acquainted with the proposals of financial institutions both in their offices and in the Internet space. The last way to get information about where to get a loan in Yekaterinburg is the most optimal.
The best deals
Let's get acquainted with the best offers:
- "Bank of Moscow" offers its potential borrowers to obtain a loan at a favorable rate at 12.9 percent per annum, the maximum amount of the issue is 3,000,000. The loan is issued for a period of six months to five years.
- ATBank offers its customers a loan at twenty percent per annum for up to seven hundred thousand rubles. The loan term can be from thirteen months to five years.
- Vostochny Bank has good conditions. It can be issued a cash loan at twelve percent for a period of one year to three years. The loan amount should not exceed five hundred thousand rubles.
- A very popular loan is from Post Bank. Upon presentation of a minimum package of documents, the borrower can receive a loan of up to one million rubles for a period of one year to five years. The loan rate will be 12.9 percent per annum.
These are the most advantageous offers of banks, where to get a loan at a small percentage in Yekaterinburg.
Conditions for obtaining
Almost all banks where you can get a loan in Yekaterinburg put forward standard conditions for receiving funds. They are the presence of:
- passports of a citizen of the Russian Federation;
- permanent registration in the region where the bank is present;
- source of income (they can be both salary and pension payments);
- mobile or home phone to keep in touch.
In addition, one of the prerequisites is the age of the borrower. At the time of application, he must be eighteen years old. Often banks raise the age limit to 21 years. But at the same time, the client should not be older than seventy years. In addition, at the current place of work, the potential borrower must have at least three months of experience.
Having a positive credit history is one of the important, but not decisive, conditions. If the borrower meets all the requirements, then he can only choose any of the banks of interest, where to get a loan without failure in Yekaterinburg.
What documents are needed
To obtain a loan at any financial institution, the borrower must provide employees with a specific set of documents. In general, it is standard, but sometimes the bank may request additional documents for a more thorough analysis of the solvency of the potential borrower.
The standard package includes:
- original passport of a citizen of the Russian Federation;
- to request information about a client from the credit history bureau, the bank will need SNILS;
- less often, banks are asked to provide a certificate that will serve as proof of income (it can be compiled according to 2NDFL or the form of the bank).
Additional documents for obtaining a loan are:
- TIN;
- driver's license;
- certificate of ownership (real estate or vehicle);
- a copy of the work book certified by the seal of the employer;
- international passport.
If there is a last document, then it can be provided as an additional one, which will serve as confirmation of solvency. However, it should be borne in mind that it should have marks on going abroad over the past six or twelve months.
In the presence of these documents, it remains only to decide where to get a loan in Yekaterinburg.
Types of lending
In order to finally decide where to get a loan in Yekaterinburg, you need to decide which type of loan you need to get.
The most common and most sought after is consumer credit. It includes cash loans, as well as the purchase of goods in retail chains in installments or at interest.
No less popular are car loans and mortgages. Most of these types of financing are secured by property. They will be served by the living space acquired by the bank’s money or a vehicle. All encumbrances will be removed only after the full repayment of the debt, and the property registered as a pledge will become the full property of the borrower.
If a client needs to borrow a small amount of money, for example, intercept five or ten thousand before his salary, then he should contact microfinance organizations. They specialize in issuing small sums of money to the population for a short period, from seven days to one month.
Overdue Loan
It’s a little harder to find a bank where to get a loan in Yekaterinburg with an overdue loan from another financial institution. Of course, the decisive factor will be the delay in payment. If it is no more than one month and has been once, then the banks will have few reasons for refusal.
In cases where the borrower has several loans and he does not have the ability to make payments on time, then the best option would be to use the loan refinancing service.
Good conditions and a favorable rate are offered to its customers by Rosbank and Alfa Bank. Turning to them, the borrower can get a new loan to pay off the previous ones even if there are delays in payment obligations.
Where to get a loan with an expired history in Yekaterinburg yet? This can be done at the bank, on the card of which the borrower receives a salary. In such cases, the lender is confident in the solvency of the client and checks the credit history in rare cases.
Get a loan with bad CI
More difficulties will arise for those customers who need to get a loan with a damaged credit history. It’s rare which bank does not check it. Any credit institution does not want to lose their funds. Issuing money to an unreliable borrower may not justify the risks, and therefore, the bank will not only not make a profit, but also lose its own funds.
Even if the borrower finds a lender who will issue a loan, then the interest on it will be overstated.
Most often, clients with spoiled CI turn to private investors or microfinance organizations.