Advice 1: How to apply for a loan

Some employers enable their employees to obtain a loan in the enterprise. Getting a loan for urgent needs for employees of the company much more profitable, as often they are issued on an interest-free basis or with a sufficiently low interest rate that takes into account only inflation.
How to apply for a loan
Makes sense first to take an interest in accounting will give you a loan, before to start its design. If prior consent is obtained, discuss with the chief accountant of the enterprise the conditions of its repayment. If you are satisfied, you must write the statement on the loan.
Take a clean sheet of paper of standard size. It is better if the statement is handwritten. Use a pen with blue or black ink, as is customary when writing official papers.
In the upper right corner of the sheet write the name head of your company, its name and initials. Then write "from" and name your position, Department in which you work, your surname and initials. The line below, in the middle, write with big letters the word "Statement".
In the upper right corner of the sheet write the name head of your company, its name and initials. Then write "from" and name your position, Department in which you work, your surname and initials. The line below, in the middle, write with big letters the word "Statement".
In the first line write the standard sentence "I am writing to request a loan in the amount of:" and enter the amount that you need. If necessary, enter the reason or purpose of the loan.
Write the conditions under which you want to receive money interest free or the interest rate at which the company can provide them to you. Be sure to specify the period for which you need money.
Indicate how you will make repayment of the loan. Most likely, you in the statement it is enough to write that you are asking to deduct the required monthly amount and the interest from your earnings.
Date of writing the application. Sign it and let the transcript, indicating all the names and initials. Take the statement to the office and register it at the Secretary. You will just have to wait for the decision.

Advice 2 : How to get a loan at Sberbank

Quite often it so happens that the money is needed urgently and in large enough quantities. In such situations, the best way to get a loan at the Bank. And one of them is the savings Bank. But to take a loan is not easy. For this you need to execute a number of conditions of the Bank.
How to get a loan at Sberbank
To take a loan in the savings Bank you can only if you are 18 years of age. In addition, you must be either a Russian citizen or have authorization documents residence and work in Russia. While you can count on a minimum amount of 15 000 rubles. And the deadline of the application will take from 3 days to 3 weeks.
To the Bank's specialists can begin registration of all necessary papers, you need to write an application requesting the issuance of a loan. In addition, you must bring and present it to the Finance Department ID (passport) and documents that certify your creditworthiness (generally these include income, documents of ownership of real estate or a vehicle). Also you will need a copy of the work book, the INN, and the certificate of size of pension (if the borrower is a pensioner). If you want to increase your chances of getting a loan, if possible, try to provide information about your guarantors.
After you give all the necessary documents, credit inspectors, you will have to wait for their decision. In any case, the Bank will stop ringing and will report on the adopted resolution. If the decision is positive, then you can get your money. Sberbank offers its loans in one of three currencies - euros, dollars and rubles. After that, do not forget to repay their debts.
To pay the loan in two ways - differencirovannoe and annuity payments. In the first case, the debt repayment is decreasing from month to month sums. While the percentage charged on the balance owed and recalculate regularly. In the case of repayment of a debt of the second option payment must be received in the Bank in equal amounts. Of course, all these payments have to arrive on time. Otherwise, your history of loans in the savings Bank will be ruined. And the next time the Bank will easily be able to refuse without explanation.

Advice 3 : How to get a loan for housing

To buy housing on their own for a large part of the population almost impossible. Government has developed a number of programs, and more specifically – targeted housing subsidies to facilitate the private purchase of housing to certain categories of citizens. In fact, the subsidies irreversible state loans for citizens who need better housing conditions.
How to get a loan for housing
You will need
  • You will need to collect documents, it is necessary to check with your city administration/district for each type of grant has its own specific requirements.
Residents Of The Far North. If your experience in the North is fifteen years or more, you have your own accommodation in other regions of Russia and need improvement of living conditions – this kind of government grants for you.
Please contact your local Executive for registration. You will receive the State housing certificate. This personal document confirms your right to receive state subsidies.
The waiting. At each urban/district administration there is a queue on improvement of living conditions for persons living space which is lower than the state norms. Such citizens are entitled to state subsidies.
The waiting list is entitled to use the state subsidy for the purchase of apartments or building houses, but also to choose a convenient neighborhood, the layout of housing and its square.
In order to receive the subsidy are required to contact their city/district, to apply for the grant and write the documents.
The administration will prepare the necessary documents and provide you with evidence on the allocation of funds for the purchase of housing.
Then on your name will open a personal checking account, where the money to be transferred from the city budget.
The state funding program "Young family". This type of grant is designed specifically for young families, the age of spouses in which does not exceed thirty-five years.
Go to the site administration in your city/area and read the terms of the grant. If your family is in the parameters suitable for the receipt of public assistance – go to the administration and personally consult with an expert about what documents are required for obtaining subsidies and write a statement.
The Board will review your documents and decide – whether your family is considered "young". In the case of a negative decision to apply again useless. In the case of a positive decision you will be put in place. When she comes you'll need to go to the Bank and arrange a mortgage. The subsidy can be used, for example, as the first payment on the loan.
You can collect the necessary documents yourself or outsource it to a company that provides such services. This very often involved real estate company.
Useful advice
Always specify a list of documents from the experts in the administration of your region/city. In different regions will have their own nuances with respect to the receipt of the grant.
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