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Instructions

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You should know that banks offer this serviceAs a loan without guarantors and certificates of income. This type of credit eliminates all the inconveniences of a classical loan, in which the obligatory element is collateral in the form of a pledge or surety, the provision of a certificate of wages to the bank, a long period of review of the loan application.

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If you need money urgently or youa bad credit history, which is a significant obstacle to obtaining a classical loan, low or unofficial wages, the status of the unemployed, then a loan without certificates and sureties is exactly what you need.

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However, remember that not everything is so smooth. Loans without collateral are quite risky for the bank type of operations. For urgency and high risk will have to pay a high interest rate. In addition, you may encounter limitations related to the terms and amounts of the loan. But, as a rule, with this type of loan, the bank is always ready to offer the client various lending programs and to choose the best option.

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Be prepared for the maximum sizeloan without certificates and guarantors will be 100-150 thousand rubles. In exceptional cases, the bank can provide you with 200 thousand. Usually, lending institutions put forward certain requirements for future clients - this is the availability of Russian citizenship and a residence permit in the area where the bank or its branch is located. In addition, there are restrictions on the age of the borrower: for women - from 18 to 55 years, for men - from 21-23 to 60 years.

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To obtain a loan, you need to provideto the bank the following documents: - application for a loan, in which you should indicate information about the place of work, marital status, income level - passport - other document proving your identity: TIN, driver's license, military ticket, etc. - labor book or employment contract at the discretion of the bank.

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Once your application is reviewed, youthey will offer to sign a loan agreement. Just keep in mind that it should be carefully read, because in this document all conditions that will further determine your relationship with the bank are specified.

Instructions

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Visit the official website of the bank "Renaissance Credit". Choose the program that suits you best credittion. The first implies the issuance of cash, the second - clearance creditcard. The relevant sections on the website describe the conditions for providing funds, methods of repayment credita, the rates and the maximum amount of the amount that can be obtained.

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Complete the online application for the selected program. The link to it is located on the left side of the main page.

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Select the region where you want to get credit. The subjects of the Russian Federation are represented in a special tab.

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Write your name, patronymic and surname. Enter your date of birth and contact phone number.

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Provide information about your passport: the series and number, date and place of issue.

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Indicate the address of your accommodation. Check the box to see if it matches the place of permanent registration.

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Leave information about the place of your work.

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Send an application for credita.

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Wait for the call of the bank specialist. Specify the details regarding the amount credita, methods of repayment, ask questions if youdid not find the relevant information on the site. The bank will decide on your candidacy and will inform you when it is possible to come to the bank to formalize the contract. Also, the employee will tell you which documents confirm your financial solvency and ability to pay off credit, it is necessary to provide.

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Visit the bank branch. The list of offices in each region is available on the official website. Provide the bank employee with an identity document. Based on your application and documents confirming the fact of having a permanent job, a bank specialist will prepare a contract.

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Sign the contract credita contract or a design agreement creditcard. One copy remains with the bank, the second you take yourself.

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Get cash or creditcard.

You will need

• - an application for a loan;
• - passport;
• - a copy of the passport (all pages);
• - certificate on the form № 2 NDFL or documents for the car.

Instructions

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Choose a capital bank that provides loans without registration. For example, it could be Citibank or HomeCredit. Visit the office of the bank or go to the official website. You should be interested in terms and conditions credit, which is issued to citizens who do not have registration at Moscow.

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Pay attention, banks offer different conditions for people who do not have registration at all, and for those who are simply registered in another region. So, for citizens without registration The interest rate is always higher, and for guestsThe capital of a significant role will play a good credit history. In this case it makes sense to order an extract from it (once a year such a document is provided to citizens for free).

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Use the credit calculator and calculate the possible payments on the loan, perhaps you will find a more loyal bank in the region registration.

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After selecting a bank, prepare a package of documents. Their set depends on the amount you are going to borrow. For example, for registration credit Citibank requires an application for credit, A copy of the passport (all pages), but you need to have an original with you, a document confirming your income (a certificate of income of an individual under form No. 2 of Personal Income Tax or documents for a car).

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For registration credit In the home loan less than 75 000 rubles. You need: a passport of the Russian Federation, any of the documents (driver's license, pension certificate, foreign passport, insurance certificate of state pension insurance, or a Home Credit card). At an amount of up to 150 thousand rubles also a certificate of income of an individual in form No. 2 of personal income tax or a copy of the state certificate registration ownership of residential or non-residential real estate. Sometimes banks ask for a lease of a dwelling in Moscow or a labor contract if you arrived in the capital to work.

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Contact the bank where the consultant will calculateCredit and will provide you with a probable payment schedule. As a rule, within 3-5 days a decision is made to provide you with a loan. After that, visit the bank again and collect the necessary amount.

Loan with a high interest rate

Many large credit institutions are readyprovide consumer loans to citizens who are unemployed, the conditions in this case are not the best. However, it is not necessary to choose especially, because an increased rate is a necessity for eliminating the maximum risks. In addition, you will need a number of documents - a passport, as well as a pension insurance card. You will also need to specify the numbers of the landline and cell phone. In addition, you should have a good credit history or none at all. Bad credit history reduces the chance of getting a loan to negative numbers.

Loan for opening a business

This lending is suitable only for those citizens,who will be ready to say goodbye to their former work and do business. To do this, you need to stand on the stock exchange, where to apply for consideration of your business plan and officially register the enterprise. Then in the assistance center for entrepreneurship you will be given out 120 thousand for the development of your business, and in the bank it will be possible to issue a loan up to 500 000 rubles. Thus, you will get a large amount of money, but it will take a long time to work.

Take some amount of loan

There are private investors who are ready to give youa certain amount of money on the security of an apartment or vehicle. Of course, here you do not have to collect a lot of documents, but the risks are much higher, because you do not know what kind of investor you will get.

Microloans

Currently, there are organizations thatready to give you a certain amount of money instantly and on the basis of one passport. Perhaps, initially it seems that this is the best option. However, do not rejoice, because in such organizations, high rates. In this way they try to cover their risks.

What not to do

Do not contact the firms that offeryou for a share of credit money to submit fictitious documents for the loan. They will confirm your employment and issue the necessary document, but the bank will easily be able to calculate the fraudsters, and therefore you will remain without a loan and with a bad credit history.

You will need

• - application form for a loan;
• - passport;
• - documents confirming income;
• - documents confirming employment;
• - Military ticket (for men up to 27 years);
• - other documents.

Instructions

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Rosselhozbank offers two varietiesconsumer lending - targeted and non-earmarked. In the latter case, the borrower can spend the funds at his own discretion and should not report to the bank about the direction of their spending. As part of a consumer loan without collateral, the borrower can receive up to 750 thousand rubles. with a rate of 22.5%. To obtain a loan, you must submit a statement to the bank; passport; documents confirming income (reference 2-NDFL or in the form of a bank); documents confirming employment (a copy of the work record or employment contract, certified by the employer); for men under 27 years old - a military ticket. The above list of documents is not exhaustive. In some cases, the bank may request additional documents.

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Better interest rates the bank offersfor borrowers on targeted loans. So, under the credit program "Gardener" you can get a loan of up to 1.5 million rubles. at 17% per annum. With this money, you can spend water on a garden plot, build a bathhouse there, or buy a plot with a house. At the same time, when a loan is issued for a period of up to 3 years, it will not be necessary to confirm the targeted expenditure of funds. The "Sadovod" loan is issued with the involvement of guarantors (two with a loan amount of 300 thousand rubles) and provision of collateral. The package of documents to be provided to the borrower and the guarantor includes a passport; documents confirming income; documents on security. You also need to confirm ownership of the target segment. As such documents can be given a membership card of the garden (summer) cooperative, partnership; agreement on the use of objects for gardening and horticulture; documents confirming ownership of the land plot; for those who are only planning to purchase a plot - an application for the fact that they will purchase a site in the summer cottage association.

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For citizens who plan to develop personalsubsidiary farm, in Rosselkhozbank you can get a loan with a rate of 14%. This program is subsidized by the state. You can buy equipment, seeds, tubers, cattle and birds, agricultural equipment, repair production facilities, etc. You need a loan application for obtaining a loan; passport; extract from the master book. A citizen's land plot should be registered for a citizen.

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Depending on the size of the down paymentmortgage in Rosselkhozbank is issued with a rate of 11.9%. The borrower can choose the preferred way to repay the loan - differentiated and annuity payments. A mortgage loan is issued when the borrower (co-borrower, guarantor) submits a passport; documents confirming income; documents on purchased (under construction) housing; documents confirming ownership of land; documents on the alleged security. Depending on the complexity of the transaction, the bank may request other documents.

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Car loans in Rosselkhozbank for purchaseA new car is offered with a rate of 14%, a second-hand car - from 14.5%. Credits are issued on the security of the car purchased and with compulsory CASCO insurance. The borrower will need a passport; documents confirming income; a copy of the work book (employment contract), certified by the employer.

Instructions

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TKS Bank is a unique credit institution. This is the only Russian bank that does not have offices and serves clients mainly on the Internet. Thanks to the savings that can be obtained by refusing to provide office services, the bank can afford to order a large number of advertising products that have flooded all the media and the Internet. Of course, the low interest rates declared by TCS and the availability of obtaining loans attract many willing to easily get money. But not always reality corresponds to those sweet promises, which are so generously distributed by advertising.

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The activity of the bank TCS can be called quitesuccessful - in 2013 he received the title of "Bank of the Year in Russia" according to the version of the specialized edition of The Banker. Those who hold their deposits have nothing to fear - this credit institution participates in the deposit insurance system and cooperates with the most popular international payment systems MasterCard and Visa. Its high status in the banking services market is confirmed by the rating agency Moody's.

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From credit products the bank offers itsCustomers deposits, debit and credit cards. That is, you can get a loan in the form of a plastic card with a certain monetary limit, the amount of which can vary depending on the frequency of using the card and how well you pay your debts. The mandatory monthly payment is at least 6% of the debt amount, in addition, it includes interest and the amount of insurance.

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A high interest rate, which in realityMuch more promised in advertising, can be explained by the availability of credit formalities. The currently available credit cards: Tinkoff Platinum, OneTwoTrip, Odnoklassniki and All Airline you can get by filling out the application form on the site and then sending the signed contract, attaching only the scanned pages of your passport to it. Information about the income while confirming does not require, but the bank still checks them through its channels, including the credit history database.

You will need

• - pensioner's ID;
• - reference 2-NDFL (certificate on the form of the bank);
• - certificate of the amount of pension.

Instructions

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There are two groups of loans: loansworking and non-working pensioners. In the first case, the procedure for issuing a loan will not be different from a standard loan. The borrower will need to provide the bank with proof of income. The only thing in which pensioners are limited is in obtaining long-term loans (for example, mortgages for 20 years). Banks set the borrower's age limit at the time of payment completion. In most cases, it is 65-70 years.

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But in some banks, reliability andhigh financial discipline of pensioners, so they can get a loan to those borrowers who do not have any sources of income other than a pension. In most banks, when granting a loan, a pensioner needs to hire guarantors. They are the guarantors that all financial obligations of the pensioner will be met, even if the borrower can not pay more for the loan.

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Leader in the field of lending to pensionersis Sberbank. It is here that the majority of Russian pensioners receive their pensions. The main conditions for granting loans to pensioners are the existence in Sberbank of an account for the transfer of a pension, and also the attraction of at least one surety. The loan is issued on the condition that the pensioner must pay it up to 75 years. Interest rates range from 16 to 25 per year, depending on the term of the loan. The maximum amount is 3 million rubles.

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Sovcombank offers loans for pensionersat the age of 85, which is a kind of record. The maximum amount of loans is 250 thousand rubles. It is issued only if the income of the pensioner will allow you to make monthly payments on the loan. The loan rate is high enough - from 28% per year, but collateral in the form of collateral or guarantors for the loan is not required. Pensioners aged 75 and over are also offered to make a personal insurance contract.

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The Eurocommerz bank has a special programfor the clients of the bank, which received the name "Our pensioner". It allows you to take a loan for up to 38 months and up to 550 thousand rubles. The maximum age for the borrower is 81 years. The starting rate, which is provided for the registration of life insurance, is 25.5%.

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Favorable conditions are different for a loan"Pension" from Rosselkhozbank. The rate for it is from 15%, and the loan period is up to 5 years. The loan is available for pensioners under the age of 75 and allows you to take up to 500 thousand rubles. However, in order to obtain a reduced interest rate, it is necessary to provide a pledge, provide surety, and also insure your life.

You will need

• - passport;
• - student ID;
• - certificate of the size of the scholarship;
• - certificate from the place of work.

Instructions

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In most banks, the minimum agethe bar for obtaining a loan is 21-23 years, i.е. loans are available only for students of recent years. And at the same time it is required to confirm own incomes, which students often have irregular character. But there are exceptions. For example, in the Savings Bank of youth at the age of 18, it is proposed to issue a credit card or consumer credit. The credit card allows you to get a credit limit in the amount of 3 to 200 thousand rubles. For the card will need to pay 750 rubles. per year for maintenance, and for using the loan (outside the grace period of 55 days) - 24% per annum. You will need to confirm your income with a certificate of the amount of the scholarship and / or salary documents in the form of 2-NDFL / bank form. Also, Sberbank proposes to issue a loan "Respect for Success" for up to 1.5 million rubles. At the same time for borrowers over 21 years of age and taking an amount of less than 750 thousand rubles. parents' guarantee is not required.

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In general, consumer loans for studentsare extremely rare, but there are programs on credit cards. So, at Tinkoff Bank, students at the age of 21 can draw a MasterCard Platinum card. To receive it, you do not need to confirm the income. The card has an interest-free crediting period of up to 55 days to pay for goods and services by wire transfer. The maximum credit limit is 300 thousand rubles.

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In the "Orient Express Bank" you can also issue a "Student Credit Card". It is available for university students aged 19 and over. The credit limit on the card is rather small - up to 20 thousand rubles.

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In the "Bank of Moscow" there is a special credit cardfor students at the age of 19 years - "Ice". To receive it, you do not need to confirm the income. It is only necessary to provide a passport and a certificate from the institute or a student card. The credit limit on the card is limited (from 10 thousand rubles). But if the student can confirm his income for the last 6 months, he can be increased to 300 thousand rubles.

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Access to consumer loans is open forstudents who have a permanent source of income, which they can document. Such loans, in particular, are issued to young people from the age of 18, the IBC, "Modern Commercial Bank", JI Money Bank, MTS-Bank.

What is a mortgage?

Mortgage is one of the forms of collateral, in whichthe pledged real estate remains in the debtor's property, but in case of non-payment the creditor has the right to put this property on sale. The word "mortgage" from Greek means "pledge". In Western countries, mortgages are quite common, in Russia it has appeared relatively recently. At the moment, a huge number of banks offer this service. But there are certain requirements that you must comply with, and you must have the appropriate package of documents that you must provide to the bank. As a rule, a mortgage is given at 10-15% per annum and is a fairly profitable cooperation, both for the bank and for the borrower . One of the banks that provide mortgage loans is VTB 24. In this organization, the provision of mortgages is possible for both individuals and legal entities. The package of documents differs.

Documents required for individuals

If you are an individual, then you mustprovide the bank with the following documents: a passport of a citizen of the Russian Federation or a passport of a foreign citizen, a copy of the second document certifying your identity. They may be a military ticket, a copy of the driver's license, or a seaman's passport. It is also necessary to bring a copy of the work book and a certificate in the form of 2NDFL. This certificate can be replaced by a certificate of the form of the bank, a sample of which you are required to provide there.

Documents required for legal entities

If you are a legal entity, thendocuments that certify your identity remain the same as for individuals. In addition to them, you are required to provide an extract from the Unified State Register of Legal Entities, an extract from the bank about the cash flow on debit and credit for the past year, copies of documents confirming the credit history and current liabilities of the company. In addition, the bank may require copies of forms No. 1 and No. 2 that cover the balance sheet and income statement of the firm, as well as copies of licenses, certificates and patents with the company's seal and signature.

Documents for the property to be acquired

All of the above documents confirm yourincome and personality, but in addition to them, you must provide a package of documents for the property you are acquiring, namely: a copy of the real estate cadastre passport, a copy of the extract from the house book, a copy of the financial account. If there are underage owners among the sellers, guardianship. In the event that the seller is a legal entity, documents are also provided for it.

You will need

• - document (passport or driver's license);
• - certificate of income from the last place of work (preferably);
• - data of guarantors.

Instructions

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When a child appears in the family, a heap appearshassle, pleasant and not very. In order to ensure their offspring, at first they need powerful financial influences. But what if they are not enough? It remains only to go to the bank and take in your name a loan for a certain amount, which will have to be given, and even with interest.

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The procedure for obtaining a loan is the same for everyone. You need to submit your document to the creditor (this can be a passport or a driver's license); a certificate from the place of employment that confirms your income for the last few months (it is not required in all banks, but, having it, you can achieve lower interest rates) and the data of the guarantors.

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Special differences between ordinary borrowers and borrowers on maternity leave are not available in the procedure for obtaining a loan. But the latter will have more limited opportunities. A person sitting in decree, causes the bank certain doubts about its solvency. Risking, and even more so with money, very few people like.

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In order to receive a loan, it is necessary to presentcreditor evidence that you will be able to repay the debt on time. To do this, you need a certificate of your social security. Without it, it is better not even to try to get a loan. In addition, banks tighten requirements in yet another aspect: the length of service at your last place of employment should exceed twelve months (for ordinary borrowers, three months are enough).

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Recently, more and more popularcredit for "urgent needs". Under these needs, anything can be hidden. One of the key advantages of this loan is that banks in this case are much more loyal to their clients on maternity leave, and in some cases even provide loans on general grounds.

You will need

• - passport with residence permit in the place of bank presence;
• - insurance pension certificate;
• - certificate of income;
• - a copy of the work book;
• - a copy of the employment contract;
• - certificate of registration of an individual entrepreneur;
• - certificate of ownership of the property or vehicle;
• - A surety.

Instructions

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Before you read the terms and conditions creditand in several banks to be able to compare and choose the best. This can be done on the websites of banks.

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In the same place, read the bank's requirements for the borrower and consider which of the required documents you can provide to the bank. Depending on this, you can take credit with different interest rates. If you do not have the opportunity to provide a certificate of income, then, in order not to overpay extra interest to the bank, you can find a surety who can confirm his income.

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Calculate on the site with the help of creditcalculator, the average monthly credity, based on the required amount credita. Please note that the real amount of the payment will be somewhat larger. In addition, any bank proposes to conclude an insurance contract in the event of loss by the borrower of solvency for any reason and, more often, retains the amount of insurance from the amount of the provided credita. You can refuse to enter into an insurance contract, but this can increase the monthly payment to creditor cause the refusal of the bank to provide credita.

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Apply for credit on the bank's website. This will help to find out the remaining questions, because after you apply, the consultant will call you back. He will invite you to the bank for crediton the day appointed by you with approval creditbut a bank, which is preliminarily issued at the end of the conversation.

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Go to the bank on the appointed day and hour with the required documents, read carefully and sign credityou will receive money at the bank's cash desk.

You will need

• Identity card, income statement and other documents that the bank can request for its own reasons.

Instructions

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The main and main reason Lending Russian overseas is the reliability of banks. In addition, foreign banks provide loans for a longer period of time and at lower interest rates than Russian banks. Foreign companies are ready to lend to our organizations of small and medium businesses for up to 10 years, while Russian banks give loans for no more than 3-5 years. If you yourself come to a foreign bank as a private person, then the probability of obtaining a loan, for example, for business , is very small. Russians are reluctant to give out loans, it is much easier to get loans to a legal entity.

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The situation is better with real estate loans. Russian citizens can get mortgage loans for housing abroad, and it will be characterized by a small annual level (3-5%) and high quality of services provided. Moreover, the initial contribution is about 15%, which makes credit affordable for different segments of the population. There are several ways to obtain a foreign loan. The easiest way is to apply to a bank with a representative office in Russia. However, it should be borne in mind that Western banks have more stringent requirements, and often they require additional documents and thorough reporting.

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The procedure for obtaining a loan begins withproviding a completed application for a loan, as well as collecting the necessary documents. As a rule, this is a passport, information about incomes and an extract from the personal account in the bank. Then these data are sent by mail or are brought to the official representative office of the selected bank. Further the application is considered and upon the results of consideration comes notification of the decision taken, or a request for the provision of any additional data.

Instructions

1

Amount credit means the amount of money ina certain currency that a bank or a credit institution can provide to a particular borrower. This amount is added by analyzing various factors. Analyze your solvency. The bank will need to provide certificates confirming your income at the main job, as well as income for the last year, including income of the spouse or spouse. In the event that your income is significantly small, it does not make sense to demand a large sum - the bank is unlikely to give it. However, there is a way out - attracting guarantors (1-3 people with good incomes). Do you think you have such people who are ready to act as guarantors.

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Find out which maximum amount offers a bank in your mind credit, because in some cases, the bank or anothercredit organization are guided by special limits of amounts, assigning the limit above which to provide the amount of money to one person it can not. This, for example, trust loans, car loans, etc.

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If you want to take a mortgage, you should calculate the amount of such credit, relying on the cost of purchased housing.Some banks provide 100% of the value of the entire purchase, some slightly lower (about 80%), but no bank will provide a loan for the value of the purchased housing.

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Provide and calculate all additional payments, including payment for insurance (with a large loan) prior to the loan. Since this amount you have to pay from your pocket. Remember - the amount you will get in your hands due to various commissions and deductions may be less than the one you will calculate.