Today, consumer credit is a common and affordable banking product that every working citizen can apply for. And not every bank needs to collect a lot of documents. It is enough to have one passport and a second document. Which banks give a loan without 2 personal income tax will be described in the article.
Lending principles
Many banks attract customers by issuing loans for which you do not need to confirm your income. You can get the funds on the same day. To do this, you need a passport and a statement. Excellent credit history and employer information are required.
Such loans are beneficial to banks. Many borrowers are looking for where to get funds for a short period. Many are attracted by the quick clearance. With the help of such services, banks increase the turnover of money, as well as profit. The second reason is the increased rate than the lender covers the risks.
Credit cards are often provided to regular customers who have already issued a loan at least once, as well as successfully paid it. These borrowers are offered favorable conditions. Usually they need to activate a card, after which they can use it for purchases and cash withdrawals.
Requirements
Be sure to check the credit history, if a loan is issued without a certificate 2 personal income tax. What banks give it? Many financial institutions in our country draw up such services. A positive credit history is important. But its absence can also affect the decision to obtain a loan.
Be sure to have a passport, registration in the country. The age of the client is also important, usually approving applications from 18 or 21 years. As an additional document, a TIN, SNILS, passport may be required.
The borrower must have a job. This is confirmed by the contacts of the employer. Often, a landline phone number is required. It is important to fill out the questionnaire correctly. Application can be submitted on the website. If the decision is positive, the employee will invite you to the bank to sign the contract.
Which banks give a loan without reference 2 personal income tax? A full review will be presented later. The borrower should familiarize himself with several offers in order to choose the right one.
Filing an application
To apply for a loan, you can not visit the office of the institution. It is enough to visit his site, fill out an application there and wait for a solution. If it is positive, you can go to conclude a contract. The sites usually have loan calculators, with which you can calculate the amount of monthly payments, the size of overpayments.
The application shall indicate personal data, information about the employer and contacts. The required amount, term is also selected. Documents should be provided during the execution of the contract.
Sovcombank
If you are interested in which banks give a loan without 2 personal income tax, you should visit the websites of several institutions in the country. One of them is Sovcombank, which offers consumer loans for various purposes. In this case, it is required to provide a passport and a second document of choice - SNILS, TIN, passport or driver's license.
The borrower does not need to confirm the income, but the employer’s contacts must be indicated. Sovcombank offers to issue loans to pensioners, since they have a special program for which they must provide a pension certificate.
Sovcombank offers the following programs:
- "Express loan" - up to 40,000 rubles;
- Super Plus - up to 600,000 rubles;
- "Pension Plus";
- “Credit 12% Plus” - 100,000 rubles.
This is only part of the proposals, other programs can be found on the official website. There you will be able to fill out a questionnaire, as well as wait for a preliminary decision. The rate is determined by the intended use of the loan, for example, if 80% of the funds will be spent on a specific goal, the rate will be in the range of 12-19.9%, otherwise it will be set at 10%. Insurance does not affect the percentage. At Sovcombank, the maximum age at maturity may be 85 years.
"Renaissance Credit Bank"
Which banks give a loan without 2 personal income tax on a passport? Loans are issued at Renaissance Credit Bank. A condition is the availability of registration. The rate is 15.9-29.1%, and the amount is up to 500 thousand rubles for verified customers, the rest is issued only up to 150 thousand rubles. To get favorable conditions, you need a certificate of income.
An application is filled out on the site, and a decision on it is provided almost instantly. If it is positive, then you need to visit the office with documents. Cash is issued at the cash desk or transferred to the card. The institution offers several programs, so all customers will find something suitable for themselves.
Tinkoff
Which banks give a loan without 2 personal income tax with a large amount? That is Tinkoff. The maximum amount is 500,000 rubles. How to get a loan without reference 2 personal income tax? It is necessary to fill out an application on the site, indicating personal information. If the decision is positive, then the next day the courier will deliver the card.
For registration of the contract you need a passport. You can withdraw cash from an ATM. The rate is 19.9-54.9% + 5% for life insurance, health insurance. The bank also offers consumer loans with similar conditions.
City Bank
Which bank will give a loan without 2 personal income tax for any purpose? City Bank draws up consumer loans of up to 2 million rubles. The borrower only needs to have a passport and a second document, which serves as confirmation of solvency. This may not be a statement of income, but a passport or paper on a car.
A client of the bank can be a Russian citizen from 25 years old, who has a permanent registration in the country. And the income should be from 30 thousand rubles a month. It is possible to apply on the site. Rates are set individually - 15-25%.
"UniCredit Bank"
What other banks give a cash loan without a certificate 2 personal income tax? UniCredit Bank requires the borrower to confirm income in the form of providing securities for a car or a passport. Citizenship, age of 21 years, employment and length of service of 3 months are distinguished from the requirements. The minimum wage is 30 thousand rubles for Moscow and 20 thousand for the regions.
The maximum loan amount is established individually, but it cannot be higher than 1 million rubles. The contract is concluded for 2-7 years. The percentage of misuse is determined by the circumstances, but salary clients can only have a minimum rate if they have insurance. Overpayment is 16.9-23.9%.
Moscow credit bank
Loans are issued for different purposes, and this does not require a certificate. Be sure to submit a passport and application. An additional document is considered SNILS and TIN.
Upon execution of the contract, it is issued within the range of 50,000-2,000,000 rubles at a rate of 15%. The maximum term is 180 months. You can choose a currency - dollars or rubles. They offer cards and other banks of the country. You can get acquainted with their offers on the website or in the office.
Pros and cons
Get a loan without income statements is not a problem. Such a service will allow not to engage in lengthy collection of documentation, you just need to leave a few applications and you can wait for an answer. This is the main plus in such lending.
Of the shortcomings, a large bet is allocated. If a large amount is required, it is better to collect documents, because then you can find an offer with a low percentage. For new customers, the bank does not risk issuing large amounts without inquiries.
The downside is the low probability of approval of the application. Lenders inspect all customers. Even solvents may be refused for some other reason. Therefore, to arrange such loans or not, everyone decides for himself. The main thing is that they be received on reasonable terms.