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You will need

• - application form for obtaining a loan on bail;
• - passport;
• - additional documents (TIN, SNILS, rights, passport);
• - documents confirming income (reference 2-NDFL, tax declaration);
• - documents confirming work experience;
• - certificate of conclusion / divorce;
• - documents on the subject of pledge;
• - other documents requested by the bank.

Instructions

1

From a potential borrower upon receipta loan loan will require two groups of documents. This is the so-called standard package of documents, which is suitable for any lending, as well as directly related to the collateral object. Most often as a collateral for the loan is a car or real estate (apartment, house). Their value will largely depend on the size of the approved credit limit, as well as the chances of a loan. The availability of collateral helps to obtain more favorable conditions for interest rates. It also allows you to take out a loan from an IP or a business owner who is extremely problematic to do it. At the same time, a secured loan has one serious drawback: it is the risk of losing real estate or a car.

2

The standard package of documents on bail includespassport, income level certificate (financial statements or declarations), a copy of the work record book, and a second document for the choice of the borrower (TIN, SNILS, etc.). For business owners, an extract from the Unified State Register of Legal Entities, and for the IP from the EGRIP, will also be required. Men under 27 will need to show a military ticket. The citizens of the Russian Federation aged 21 years and registered in the regions of the presence of a credit institution can obtain loans on bail. Banks make their own requirements to the amount of the borrower's income and to the minimum length of service at the last place of work. Some also require fixed phones.

3

When making a loan against a car, you canGet on credit up to 70% of its estimated value. In this case, it is necessary to provide a vehicle (passport of a technical vehicle) to the bank. One car can be issued only one loan, i.е. lay it several times does not work.

4

On the security of real estate can get up to 80% of theits cost (in practice, usually - up to 50-60%). The list of documents for the apartment being pledged includes a certificate of ownership and documents, as a result of which they arose (a contract of sale or the result of privatization), a cadastral passport, a certificate of registered persons and the absence of arrests and encumbrances on the apartment. In this case, if the apartment is spelled out and the spouse of the borrower, it will require consent to the registration of collateral. On the security of a share in the property, loans are extremely rare. Only if it's not a loan to buy out the whole apartment.