You will need
- - application form;
- - passport or driving licence;
- - INN;
- - proof of income;
- the guarantors;
- - the contract of pledge.
If you get a small salary and are in need of borrowed funds, please contact any chosen Bank, where interest rates on loans minimal. A small amount of the loan you will draw two filed documents. This files most often required to show a passport or driver's license and an individual taxpayer identification number (tin).
While borrowing up to 100 thousand rubles, the Bank requires additional documents and issues the loan even to borrowers who have low incomes. You will be able to make the minimum monthly payment, just payment on the loans will be stretched not for one year.
If you need to borrow a large amount of money, you will be asked to submit a reference from place of work confirming seniority and income statement of the unified forms 2-NDFL or in the form of the Bank. If the official part of the salary you have a little, but the main part you get is in the envelope, the employer without much problems will fill you a certificate in the form of Bank specifying the actual amount of your income. But you will not be able to standardized official certificate form 2-pit, as no employer will risk in the official document specify the amount of "grey" salaries, which are not deducted the taxes in the budget that, in fact, is a criminal offence.
The credit institution may request an income statement of the unified forms. In this case, to get a greater loan amount, you can ask two guarantors with a high level of official income to sponsor you. Or to make a contract of pledge on the existing valuable property.
The Bank will be sure to return borrowed funds and give you a large amount of credit even in the presence of the minimum wage. In any case, the application will be considered individually for each borrower. If you have been issued credit and are bona fide payer, you surely will not refuse under any amount of wages.
Advice 2: How to take out a loan if bad credit history and outstanding loans
Cost-based level of life people often wonder how to take out a loan if bad credit history and outstanding loans. Such clients usually get a waiver on taking a new loan, however, there are ways to get the coveted funds.
It is worth remembering that the opportunity to take the credit even if bad credit history and outstanding debts, have most of the Bank customers, but they are not aware of it. For each client institution calculates its solvency level. If people borrowed less than the maximum amount suggested by the Bank but has not repaid them, he can expect to receive one or more loans.
The level of solvency of each of the clients is changing periodically and is fixed by the Bank. If you have unpaid debts, but for the last time, your salary and other income increased, try to contact the Bank and apply for a new loan, leaving with him a certificate of income on form 2-NDFL. Perhaps the decision on your case will be positive.
Think about the reasons why you have bad credit history and outstanding loans. For example, certain circumstances of nonpayment of the loans the Bank takes into account in favour of the client. This includes serious illness credited, and the illness and death of a close relative etc. If you can confirm the reason for the delays help, it will help to take a new loan.
Try to pay off remaining loans, or at least part of them. It will improve your credit history and banking relationship. The required amount or part of it can borrow the relatives. You can also sell some expensive, but not the right things and household items.
One of the easiest ways to take out a loan if bad credit history and outstanding loans is to try to apply this to another Bank. There are organizations that give money to any client. Talk to the acquaintances who have faced a similar situation: where they have received a loan and on what terms. It is worth remembering that even if you can get a new loan to pay it will have great interest.
Almost every city has a small credit organizations, issuing small loans or even help to pay loans to banks. They do not take into account credit history and to obtain money enough to have a permanent job and residence in this city or region. Also to both large and small amounts online using electronic payment systems like Webmoney.