Citizens who work under an employment contract usually only need to provide a copy of their work record book or an extract from it certified by the employer. Additionally, the bank may request a copy of the employment contract.
Individual entrepreneurs will need the original and/or a copy of the certificate of inclusion in the Unified State Register of Individual Entrepreneurs, the self-employed will need a certificate of registration as a taxpayer of the professional income tax, lawyers will need a lawyer's certificate, and notaries will need an order of appointment to the position. Some banks may require an extract from the Pension Fund of the Russian Federation instead of the above documents.
Income verification
The standard document for applying for a loan for working citizens is a 2-NDFL certificate or a certificate filled out according to the bank's form. Entrepreneurs, lawyers and notaries can confirm solvency by providing a tax return on income, the self-employed - a certificate of the status of settlements under the NPF, pensioners - a certificate of pension assignment.
Credit security
Unsecured loans with collateral require the provision of collateral, which may be movable or immovable property. If a car is provided as collateral, the bank may request the vehicle passport (PTS) and its registration certificate (STS) from the borrower. When transferring real estate as collateral, the borrower will need to provide an extract from the Unified State Register of Real Estate, an appraisal report and the consent of other owners to register the collateral (if any).
Additional terms
The documents listed above are usually included in the mandatory ukraine mobile database list of conditions for obtaining a loan in most Russian banks. But if you want to increase your chances of a positive decision, get a large sum or more favorable lending terms, you can additionally provide the bank with a foreign passport, driver's license, bank account statements and any other papers that may influence the bank's decision.
No one wants to collect certificates and then wait for a bank response for several days. It is much more convenient to take out a loan with minimal requirements for the borrower, a decision on which is made in 5 minutes. This is the kind of consumer loan that can be obtained from Sinara Bank. Interest rate on the loan product"Fast loan" is only from 11.9% per annum, the maximum amount is up to 300 thousand rubles. At the same time, the bank does not require the borrower to confirm income, and a decision on the application can be obtained in just 2 minutes!
Other services are also available to Sinara Bank clientscredit productswith no less favorable conditions: "Pension loan", "Large loan", "Loan for entrepreneurs". Choose the one that is convenient for you, fill out the form on the bank's website and pick up the money on the day of application.