A cash loan of 1,500,000 for 10 years is quite problematic to issue. But under certain conditions, such loans are issued by Sberbank.
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But you should remember about a large number of very different nuances that are associated with receiving such amounts of money. Special attention should be paid to the contract concluded when obtaining a loan.
Terms of Service
The first thing you should be familiar with in case of obtaining such a loan from Sberbank is the conditions for obtaining this kind of payment.
On this moment The following tariff plans are suitable for obtaining the type of product in question:
At the same time, not all customers are given the opportunity to design such products. Due to the high risks of not returning the money, rather serious requirements are set for the borrower himself, as well as for some other factors.
The conditions under which it will be possible to use a certain tariff are affected by the following:
- whether there are contributions;
- whether the client is a participant in the salary project;
- what is the reputation in BKI;
- whether there are already loans on which payments are being made;
- the presence of delays.
Usually the conditions may fluctuate within certain established limits for the above tariffs. In some cases, an individual offer may be made.
But this is allowed only if there is a positive credit history, the absence of delays in the funds already taken from the debt. There are many indirect factors. All of them affect conditions.
Requirements for the borrower
Despite the rather large amount of funds indicated, the set of requirements for a client who wants to borrow them is completely standard.
It looks like this:
In accordance with the current legislative norms, an individual has the right to borrow funds, conclude transactions on his own behalf only from the moment he reaches 18 years of age.
But in most cases, Sberbank approves applications only for persons whose age is at least 21 years old or even 23. This is due to the fact that stable enough high income usually appears only from this age.
An important condition is the amount of official income. It should be twice as much as monthly payment on schedule. Otherwise, the service will be denied. This requirement is established from rational considerations. But in some cases, for individual well-established clients, exceptions are made.
The total work experience must be at least 5 years. At the same time, the minimum length of service, continuous, at the last place of work is at least 6 months. It will be necessary to confirm all these requirements with the relevant papers.
The service in question is provided only to persons who have a permanent registration in the region where a particular office is located.
The same is true with citizenship. Such large funds are not issued to persons who do not have Russian citizenship. The situation is similar with migrants, stateless persons.
As in the situation with registration, this is due to the likelihood of the need to go to court - if there are difficulties in returning the money. Statement of claim always served at the place of permanent residence.
Video: Without providing other documents
Which banks provide a cash loan of 1500000 for 10 years
In addition to Sberbank, other banks also provide loans of this size. But their list is rather limited. The conditions differ quite significantly.
The list of such institutions today includes the following:
All individuals, without exception, can apply to the banks indicated above. There is also a list of institutions that work in this direction, with such large loans, only to certain individuals. For example, regular customers or those who have the opportunity to offer some serious security.
How to issue
The procedure for obtaining this type of loan is completely standard.
This can be done in two different ways:
- online, via the Internet;
- by contacting the office directly.
In the first case, you can not even leave your house at the initial stage. An application is made through the official website of the company, it reflects all the data necessary for registration. The phone number is written. After a preliminary review, a decision is made. If it is positive, then the client will need to submit all the papers.
The further registration procedure is completely normal. In the second case, you will need to fill out an application immediately at the office.
After it is approved, you must follow the algorithm:
- collection of all documents necessary for registration in this case;
- after the submission of documents and the application attached to it, consideration is carried out by a special department;
- if approved by the client accessible way notified of the decision;
- then a special agreement is drawn up, a payment schedule;
- the client acquaints himself with the documents indicated above and signs them;
- the amount of funds indicated in the contract is transferred to his account or issued in cash.
Package of documents
In the case of small loans, you can get them literally just a couple of documents. For example, only by passport and income statement.
Or just a passport. But in the case of such significant amounts of money, it will be necessary to collect much more documents.
The list below is actually universal, used by almost all companies without exception:
Depending on the place of application, as well as some other factors, the list may increase or decrease. For example, if the borrower is a participant in a salary project, then an income certificate is simply not required.
But regardless of other circumstances, it will be necessary to issue an application. It is it that is the basis for the issuance of funds, registration of services of this type.
Loan repayment
You can pay off your debt in a variety of ways:
- in accordance with the established schedule;
- ahead of schedule.
A special document must be attached to the agreement, which reflects information on payment dates, as well as amounts. It must be remembered that the amounts must be paid in accordance with this schedule. The alternative is early repayment - full or partial. But it is important to remember that for some products there is a restriction on such procedures.
For early repayment you will need to contact the department, to the employee. A special application is drawn up, the amount necessary in such a case is paid.
You should be aware that the early partial can be distributed in different ways - evenly (50/50 - the body of the debt and the monthly payment) or unevenly (the monthly payment and the balance of the amount - repayment of the body of the debt).
Advantages and disadvantages
This type of service has both positive and negative aspects. If possible, it is necessary to familiarize yourself with all.
The main advantages will include the following:
- no commissions;
- speed of consideration of the application;
- in most cases early repayment is possible;
- relatively small overpayment.
The negative aspects include only fairly large payments for such products. The reason for this is the large amount and long term. The presence of delays will greatly spoil the credit history, in the future it will be difficult to take a loan.
The page of our portal contains offers from banks in Moscow, which offer to take consumer credit in the amount of 1.5 million rubles. Get borrowed funds you can cash or account for almost any purpose. To choose best loan in 2019, use the online search engine of our website. Select the desired menu filters on the left to set loan options. Click "Select a loan" and then match the terms of those offers that appear on the screen.
The most profitable loan will have a low interest rate, you can get it without collateral valuable property and guarantees from guarantors. To get a loan for 1.5 million rubles, you will need to provide a certificate of income. WITH additional conditions you can find in the card of the offer you are interested in.
When you decide on the program, fill out an application without leaving your home. Go to the tab of the desired offer. Click on the "Submit Application" button and fill out the form on the bank's website. You will need to indicate your passport, contact details, choose a method of receiving money. Next, you will need to wait for a response from the employees of the financial institution.
If you are approved for a loan, coordinate with the bank manager the procedure for obtaining funds. You can take money in cash at a branch of a financial institution, another option is to transfer 1,500,000 to an account or plastic card client.
What is the processing time for a loan application?
Application terms vary from bank to bank, but often they do not exceed 7 days. You can clarify this information in the product card by clicking on the "Detailed calculation" button or by clicking the "Details" button and going to the offer page on the bank's website. ABOUT decision you will find out as soon as possible after filling out the application: a bank employee will inform you of the result by calling the number left with the application.
How long does it take for the funds to arrive on the payment card MasterCard systems and Visa?
Sent to Visa card or MasterCard cash are authorized instantly upon transfer and can be accessed for use immediately after receipt.
In which bank can I apply for a loan?
Many big banks Russia provides online loan application services. However, it is important for all borrowers to find a profitable loan. Vyberu.Ru will help with this. To find all loans that can be applied for online, on the left side of the page you need to select the item “Online Application Opportunity”. The system will automatically display all matching offers.
A consumer loan is a popular and sought-after financial product for a borrower, because you do not need to report to the lender for the funds received on credit. Banks, in turn, simplify and improve the lending process to attract customers and maximize profits. It is thanks to the fierce competition between banks that the borrowers' possibilities are maximum, for example, it is quite realistic to take a consumer loan of 1,500,000 rubles in cash. True, such a loan has several of its own characteristics and nuances, so it is worth understanding the issue of lending in more detail.
Features of large cash loans
The first thing the borrower should consider is that the bank is commercial organization, and its task is to extract the maximum profit and benefit from each of its clients. Lending really brings income to the bank, but only if the counterparty regularly fulfills its obligations. Accordingly, before making loan agreement the creditor must be convinced of the solvency and integrity of the client.
It is certainly possible to take a loan of 1,500,000 for 5 years, but not to all interested clients. The borrower must meet the requirements of the bank as much as possible: have a good credit history, stable and high income, have a minimum of debt obligations (here we mean loans, alimony and other payments). In this case, getting a loan will be as simple as possible even without a guarantee and collateral.
There are a number of borrowers who cannot get more than 1 million rubles in any way. These are citizens who have the following problems:
- bad credit history;
- inability to document real income;
- lack of credit history;
- age less than 21-25 years and older than 50-60 years;
- lack of property.
So, banks carefully select borrowers for cooperation. Although, in fairness, one fact should be noted - a high interest rate reduces the risk of the lender to go at a loss. Explanation: there are a number of banks, we will discuss them later, that are willing to lend to borrowers with some deviations from the norm (for example, with unofficial income or past due loans), but only at a high interest rate.
Please note that each bank has its own criteria for assessing the borrower's creditworthiness, for example, in one bank you will be denied a loan insofar as its clients with similar parameters a large number of debtors, and in another organization, vice versa.
Terms of bank lending
So, if you intend to apply to the bank for the purpose consumer lending, then you definitely need to prepare a number of documents. Among the required documents are a passport and a certificate in the second form. Further, it all depends on individual conditions financial institution, that is, the creditor may request additional documents, among them SNILS, TIN, foreign passport, driver's license, certificate of ownership of housing or car, and others.
Further, each individual application is considered by the bank on an individual basis. For example, if the borrower's official earnings allow him to repay a loan in the amount of one and a half million rubles for 5 years on the terms determined by the bank, then the decision for him will be positive, of course, if he has a positive credit history and meets other requirements. Otherwise, the requirements will be tightened, for example, the bank will require security in the form of collateral, surety individuals to attract co-borrowers.
It is worth noting that for each client, the bank calculates the maximum amount of a consumer loan based on his income, the amount monthly payment should be between 30 and 50% wages client.
Which bank to contact
Most relevant for potential borrower the question is to take a loan of 1,500,000 without certificates and guarantors. Therefore, it is necessary to carefully study the market financial services and choose a few of the most profitable offers for yourself. Of course, the number of commercial banks is quite large and it is simply impossible to list all the proposals for consumer lending, let's look at a few examples.
Sberbank of Russia
As soon as it comes to lending to individuals, the thought of Sberbank of Russia comes to everyone. After all, it serves almost 70% of the population of our country, which is not surprising, because there are many interesting financial proposals here. Let's return to the issue of consumer lending, is it possible to take a loan of 1,500,000 from Sberbank? Certainly yes.
The Bank offers unsecured consumer loans in the amount of up to 3 million rubles at an interest rate of 12.9% per annum. No collateral or surety is required, and maximum term reaches 60 months. There is only one significant drawback - the bank checks each borrower for a long time and carefully and in most cases refuses to lend, or significantly reduces the loan amount and increases annual interest.
Important! at Sberbank preferential terms you can get a consumer loan without a certificate confirming income, but this is available only to a participant in salary projects.
Zenith bank
Zenith banks separate categories customers can count on a consumer loan with maximum amount up to one and a half million rubles. Such clients include participants in the payroll project of Zenith Bank, clients who previously took a loan here and paid without delay for more than 60 days, as well as employees of the bank's partner companies. The rest of the borrowers, who do not belong to this category, can count on an amount of up to 1 million rubles, or apply for a loan with a pledge or guarantee.
As for the basic conditions of the bank, here the maximum loan term should not exceed 60 months. The annual percentage is determined for each borrower individually, the minimum value is from 13.5%, maximum 20.5 percent per annum. As for documents, from the borrower to without fail, except for a passport, you will need a certificate in the second form, SNILS, a copy work book to confirm employment.
Raiffeisenbank
Raiffeisenbank has several credit programs, including for participants in the salary project and employees of partner companies, if the borrower does not belong to either category, then he can apply for a consumer loan for general conditions. Here, the interest rate ranges from 12.9% to 15.9%, it is determined individually for each borrower.
As for the loan amount, here the minimum is 90,000 rubles, and the maximum is 2,000,000 rubles, the loan term does not exceed 5 years. By the way, here you can get a loan without proof of income. employment up to 500,000 rubles. There is no security or guarantee for this program. The main advantage here is that the bank makes a decision in record time, you can get borrowed funds on the day of application.
Please note that the interest rate is indicated for clients who have entered into a personal risk insurance contract for the entire term of the loan agreement, otherwise the annual percentage is increased by 5 points.
city bank
Here you can also take a consumer loan in the amount of up to 2.5 million rubles, at a favorable annual interest rate of 14.9% per annum, maximum value 20%. For each borrower, lending conditions are determined individually. For a loan in excess of 600 thousand rubles, the client will need not only a document confirming income, but also other confirmations financial solvency. By the way, the bank provides an opportunity to get approval for a loan without leaving your home, just fill out an application on the website and wait a few minutes.
Loan with collateral
Actually the question bank lending depends on many factors, so most borrowers apply bank loan without collateral and guarantors it will be impossible, even in a bank that is loyal to borrowers. Therefore, banks in most cases reduce their risks and require collateral.
You can get a large loan with collateral in almost any commercial bank:
- Gazprombank;
- Sberbank;
- VTB 24;
- VTB Bank of Moscow and others.
By the way, collateral and surety not only allows you to increase the amount of the loan, but also significantly improve the terms of cooperation. After all, under such a condition of cooperation, the risks of the bank are minimized; in any case, it makes a profit through the sale of collateral. True, in this case, the borrowers bear the risks, in the event of unforeseen circumstances, they lose their homes or cars.
Please note that if you do not want to lose your property, you can attract co-borrowers or guarantors, the guarantor will not repay the loan, according to at least as long as the borrower does it properly. But the co-borrower is obliged to pay the loan on an equal basis with the borrower.
How to get the best loan
First of all, it should be noted that if the client is solvent and wealthy in the eyes of the bank, then in any case it will be easy and profitable for him to get a loan. First, the bank will not require collateral from him. Secondly, for him it will be the most favorable interest and maximum amount.
However, if you are wondering where to get 1,500,000 rubles with a bad credit history, then here, most likely, your chances are equal to zero. More precisely, not only will the pledge and guarantee become prerequisite, interest rates will be almost unbearable for your budget.
Loan for maximum favorable conditions you can take it if you apply at several banks at once, and you can do this on the official websites of various banks. It is enough for the borrower to send their data to several financial institutions, then they need to wait for a decision. Already at the stage of consideration of the application, the bank is ready to give a preliminary decision on the application with the loan amount and interest rate. However, after that you will still have to come to the bank with all the documents and go through one more stage of verification, after which the bank will give you the final decision and terms of cooperation. At least in this way, you will have the opportunity to choose the most advantageous offer for yourself.
Please note that before signing the loan agreement, you can at any time refuse to cooperate with the bank.
So, is it possible to take a loan in the amount of 1.5 million rubles? Of course yes. Only in this issue everything is strictly individual, that is, some borrowers can easily get the desired loan, while others, on the contrary. By the way, even clients with a good credit history and high earnings can be denied a loan without giving reasons. You can get a loan even without a salary certificate if you receive a salary from the same bank.
Can't set aside a large amount for the implementation of serious financial goals? Do you want to achieve what you want now and pay for it in the future?
Then you should consider excellent opportunity apply for a cash loan of 1,500,000 rubles in one of the Russian banks. To draw up such a large amount, you will need to confirm income or provide security - invite a guarantor or pledge your property.
Banks of Russia willingly issue loans for such an amount to those customers who meet the following requirements:
- obligatory presence of citizenship of the Russian Federation;
- age at the time of applying for a loan - 21 years or more;
- age at the date of debt repayment - no more than 65 years;
- residence in the territory where the bank operates;
- availability of monthly income and official employment.
If you meet the above criteria, you have the opportunity to take a loan of 1,500,000 rubles without guarantors. In the absence of income, you will need to provide guarantees to the bank in the form of loan security.
Loan documents
It is not enough to simply apply for a loan and wait for the bank to make a decision. The key stage in obtaining a loan will be the consideration of the borrower's documents by the bank.
To borrow 1,500,000 rubles in cash, you will need to fill out a standard application modeled on the bank, as well as provide the following documents:
- a photocopy of all (including blank) pages of the passport with the presentation of the original;
- additional document at personal discretion - passport, military ID, SNILS, TIN;
- certificate confirming the amount of official income for the period in the last 6 months;
- company-certified photocopy employment contract(contract) or work book;
- in the case of providing security for a loan - documents for the pledged property.
Similar documents will need to be provided to the person (or persons) acting as a guarantor. Some banks may need other certificates - a list necessary papers can be seen on the bank's website.
Types of collateral for a loan
It is very difficult to take out a loan in the amount of more than 1,000,000 rubles, since in this case banks are at great risk.
To convince the banking organization that the debt will be fully repaid, you need to provide collateral for the loan. If you are unable to verify income, provide one of the following types of collateral:
- Guarantor. Even one reliable and solvent guarantor will be a good guarantee for the bank. Many organizations allow you to invite from 3 to 4 guarantors - individuals and legal entities. The requirements of the bank for guarantors are the same as for the main borrowers. It is important to match them.
- Pledge of property. You can pledge in favor of the bank as vehicle, and real estate, which is the preferred option. In the case of a pledge, you can get a loan on more favorable terms - with a reduced interest rate and overpayment, as well as for an increased amount.
If you still need a loan without certificates and guarantors on the day of application, you should contact not banks, but special credit organizations.
They do not check credit history and do not require the collection of a pile of documents. As a rule, you can get a lot of money on the day of applying for only one passport.
What to do to get money?
In order to get a consumer loan in cash, you must complete the following steps:
- visit a bank branch and apply for a loan (you can send an application online);
- wait for the bank's security service to decide whether to give you funds or not;
- if you have received the approval of the bank, bring a package of documents to any branch for registration;
- read the terms of the loan agreement and, if you are completely satisfied with them, sign it.
On the day of signing the loan agreement sum of money will be credited to your bank card or issued in cash. Immediately after that, you can start using a consumer loan.
Loans for up to 5 years inclusive
It is advisable to take a loan of 1,500,000 rubles for 5 years if you want to use a loan with the smallest possible overpayment. Keep in mind that the monthly payment will be higher. Bank offers:
- "Cash" from Alfa Bank. At a rate of 11.99% per annum in this company, you can apply for a loan in the amount of up to 2,000,000 rubles. The repayment period will be from 1 to 5 years.
- "Personal" from Raiffeisenbank. An amount up to 1,500,000 rubles is available at an interest rate that starts at 12.9% per annum. The bank takes a period of 1 to 5 years to repay the loan.
- "Cash" from VTB Bank of Moscow. If income is confirmed, you can take a loan in the amount of up to 3,000,000 rubles without guarantors and collateral. Interest rate- from 14.9% per annum. Repayment up to 5 years.
- "Consumer under surety" from Sberbank of Russia. If there is a guarantor in the most popular bank in the country, you can take a loan in the amount of up to 3,000,000 rubles. The rate is from 12.9% per annum.
- "For state employees" from Moscow Industrial Bank. At a rate that starts from 13.5% per annum, you can get from 50,000 to 1,500,000 rubles with a repayment period of 1 to 5 years.
There are also other banks where taking 1,500,000 rubles with a bad credit history, although problematic, is still real.
To make it easier for yourself, before contacting banking organizations, you should work on your credit history. Take a few small loans and repay them properly - the story will get better.
Loans for up to 10 years or more
The longer the debt repayment period, the lower the monthly payment, and the easier it will be to pay off such a loan. However, this increases the amount of the overpayment.
If you are ready to put up with this, it is worth taking a loan of 1,500,000 rubles for 10 years in one of the country's banks. Here are just a few suggestions:
- “Bailed by existing housing” from Raiffeisenbank. By providing your home as collateral for a loan, you can get a loan of up to 9,000,000 rubles. Interest rate - 17.5% per year.
- "Individual" from SKB-Bank. From 1,000,000 rubles can be obtained from this organization if there is real estate for collateral. The interest rate starts from 17.9% per annum. Repayment period - up to 10 years.
- "For military personnel" Zenith Bank. Persons who are military personnel can receive up to 3,000,000 rubles from this company for a period of up to 15 years. annual rate starts at 13.5%.
Choose one of the described offers and visit the official website of any bank so as not to apply for a loan in person at the office. For filling and submission online applications it will take a few minutes - it is very convenient.
From time to time everyone has to make big expenses. They may be related to the purchase or construction of real estate, the purchase of furniture, a car, etc. But not everyone can implement them at the expense of their own savings, and bank loans come to the rescue.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and FOR FREE!
Terms of Service
Large loans have conditions different from simple express loans. You can get a cash loan of 1,500,000 rubles with an indication of the purposes for which the funds will be spent or without it.
For spending money on target loan credit institution can exercise control and if the money is spent on something else, it can impose fines or demand the immediate return of the entire amount of the debt.
The presence of collateral or guarantors for obtaining a loan in the amount of 1.5 million rubles is not required in all banks. But the presence of collateral will increase the chances of approval even for clients with a small official income.
Borrower's personal insurance is voluntary. If you wish, you can refuse it by filling out an application for a loan or within 5 days after signing the contract. But employees of most banks insist on compulsory insurance life and health.
In some cases, you can take advantage of advanced insurance programs that allow you not to pay the loan for several months in case of loss of work. The mortgaged property is insured without fail.
Loan terms are a parameter that is important for the client. Banks are ready to issue large loans for a fairly long period of 5, 10 and even 15 years. It is worth knowing that the overpayment at long terms will only increase.
Interest rates on loans vary depending on the availability and type of collateral, intended or non-purposed purpose, selected credit institution and other parameters. The average overpayment at the moment is 15-25% per annum.
Application processing time for a large amount increases. The bank needs to thoroughly check the potential borrower, because the risk is quite high. Usually approval of the application can be obtained in 4-7 business days, if no pledge of property is required.
Below, for convenience, we provide a table with basic data on the conditions for obtaining a loan in the amount of 1.5 million rubles or more.
Requirements for the borrower
For customers who want to borrow a large amount, banks impose increased requirements and prefer to check all the information.
Russian legislation allows citizens over the age of 18 to take any bank loans. But financial institutions are not in a hurry to issue loans to young borrowers before they reach the age of 20-23.
The maximum age of the borrower is also limited, often banks do not work with pensioners. Although in organizations such as Sberbank, you can borrow money until you reach the age of 75.
An important parameter influencing the decision of the bank will be the credit history of the borrower. About 70% of refusals are due to the fact that the borrower does not have a credit card or it is damaged.
Let’s take a look at what can ruin your credit history:
- delay in making the next payment (especially more than 60 days);
- outstanding loans;
- debts to telecom operators and for housing and communal services;
- mistake of employees of credit institutions.
Only in the latter case, it is possible to quickly correct the situation with the CI by submitting an appropriate application to a credit organization or BCI.
Another natural requirement of banks is a constant source of income for the borrower from employment or self-employment.
Let's collect all the basic requirements for borrowers in the following table.
Video: No income statement
Which banks offer a cash loan of 1500000 rubles
On Russian market works a lot banking organizations and they are happy to lend money to a solvent and responsible borrower.
Here is a table of the most advantageous offers from banks.
** the amount depends on the availability of collateral and its type
For 5 years
One of the most popular loans is loans issued for 5 years. During this period, it is quite possible to pay off the debt, and the overpayment will not be high enough. It is no coincidence that such a term is available in most banks.
Here is a table of the most profitable loans of 1.5 million rubles for up to 5 years.
For 10 years
More often, clients do not hope that they will be able to repay the debt quickly without straining for family budget and prefer to take loans for up to 10 years. This allows you to reduce the amount of the monthly payment, but not every bank will issue a loan for such a period.
In the following table, we present the most interesting offers from banks offering loans for up to 10 years.
No proof of income
Many of the inhabitants of Russia receive a salary under gray or completely black schemes. In these cases, they cannot confirm the presence and amount of income with the help of an official certificate and are forced to look for loan offers without an income certificate.
Here is a table with the requirements for confirming income in popular banks that issue a loan of 1.5 million rubles or more.
For 15 years
Sometimes it is not possible to pay a sufficiently large amount monthly, and borrowers are forced to look for offers with loan terms of 15 or more years to reduce regular payments. There are few of them, but you can still find the right one.
Here is a table of the most popular offers for loans in the amount of 1.5 million rubles with a period of 15 years or more.
How to issue
The process of obtaining a large loan lasts quite a long time. To collect required documents it takes up to 7-10 days, plus you will need to wait for the decision of the bank 3-7 business days.
Consider what actions a client needs to take to receive a loan:
- submitting a preliminary application and obtaining approval for it (optional);
- collection of necessary documents;
- transfer to the bank of a package of papers and an application form;
- obtaining a final decision;
- signing a loan agreement and, if available, a pledge and / or surety;
- receiving the money.
It is not necessary to apply in advance. But thanks to it, you can immediately discard banks from the selected list that refuse to provide loans already at the stage of a preliminary assessment of the client's solvency.
Usually, a preliminary application can be left in the office, by phone. But it is more convenient to do this through the official website of the credit institution. Such an application is considered, as a rule, within 1 business day, and the client will find out the decision via SMS or telephone notification.
If at the first stage there were no problems, then you can start collecting required package documents in accordance with the selected lending program. This process in the presence of a mortgage of real estate can take up to 10 days.
The collected package is transferred to the bank employee along with the application form for the borrower and guarantors, if any. After checking the correctness of the documents, the manager sends them to the credit committee and the security service for analysis of the client's solvency.
After 3-7 days, the bank notifies the client of its final decision by phone or via SMS. If the answer is positive, it is necessary to agree on a convenient office and time for signing the contract.
After signing the contract, the money is transferred to the account, card or issued in cash within a few minutes.
Package of documents
Banks with large amounts are very demanding on documents. Only some credit organizations are limited to a minimum set of documents, consisting of a passport and SNILS or TIN.
An almost obligatory requirement will be proof of income. This is done using the 2-NDFL certificate or in the form developed by the bank (). References are not needed, subject to the receipt of wages on the card of the selected credit institution.
If the loan program provides for a guarantee, then the same set of documents will also be required from the guarantors.
If you need a pledge on property, you must submit to the bank a complete set of documents confirming the right of ownership.
Here is a table of required documents.
Loan repayment
The loan is repaid in equal monthly installments. In some cases, for example, when refinancing, it is possible to defer the first loan payment for up to 1 year, but this does not stop interest accrual.
You can make a payment through the bank's cash desk, by transfer or by a network of partners, if any. It is important that the money is credited to the account before the day specified in the payment schedule.
Advantages and disadvantages
Without bank loan it is not possible to make large purchases by many people. Most people just can't put off buying or don't know how to save money. The speed of obtaining finance is the main plus of bank loans.
