Instruction
1
A loan sometimes becomes troublesome because banks require a package of documents for his extradition. And therefore potential customers value the speed and ease of the loan along with other conditions offered by the Bank. The requirement to provide proof of income besides often uncomfortable fact that our reality is not all citizens can confirm the actual level of income.
Some banks offer loans without certificates of income, but in return ask for collateral. For example, a car. If the customer is credit without inquiries on incomes and without collateral, the Bank risks increase. And depending on the risk the Bank varies the interest by which loans.
That is because the customer does not provide official confirmation of their income, is granted a loan with relatively high interest rates. On average, banks increase the interest rate somewhere in the 5 %. By the way, according to the statistics of such consumer loans without proof of income, is actually are among those with the return which is sometimes a problem.
Some banks offer loans without certificates of income, but in return ask for collateral. For example, a car. If the customer is credit without inquiries on incomes and without collateral, the Bank risks increase. And depending on the risk the Bank varies the interest by which loans.
That is because the customer does not provide official confirmation of their income, is granted a loan with relatively high interest rates. On average, banks increase the interest rate somewhere in the 5 %. By the way, according to the statistics of such consumer loans without proof of income, is actually are among those with the return which is sometimes a problem.
2
Most often, the inquiry on incomes is not required during the execution of the so-called "Express loans". Such loans are for relatively small sums for the purchase of certain commodities. For example, the purchase of household appliances. Issued consumer loans in stores that sell home appliances. Sometimes banks are asked to provide for the issuance of loan only passport with permanent registration at the place of actual residence, and confirm that the borrower is working in the workbook or an employment contract for at least three months.
3
Sometimes banks do not require a certificate of income, but its absence can affect the decision of Bank about issuance of credit. That is, clients that provide help, the higher the probability of receiving a loan than those who this help is not provided. But it is also very important the customer's credit history. If it is without flaws, i.e., the customer repays previous loans on time without delays in payments, the Bank is likely to give a loan. If the previous loan was taken in the same Bank, it is highly probable that this time will go toward the Bank to the client.
