Credits no longer inspire terrible horror to a Russian person. They have become commonplace and even help to cope with lack of money, make a major purchase or relax on the sea. However, the conditions provided by various banks are so different that you can stay with positive emotions or get into deep debts.
What you need for a loan
There is a huge difference in the conditions for the metropolitan and guest. Essential conditions for almost all banks of the city of Moscow offer the indigenous one, and the visitor will need to look for something suitable at first. It is quite possible to start with the registration of a residence permit and only then apply for a loan, but sometimes you can do with temporary registration.
It is also necessary to instill confidence in the bank about good income. The best and easiest way to do this is with the help of 2NDFL, which will provide a full legal picture of earnings. Unfortunately, in the capital a huge number of people who work unofficially or just for hidden wages, in this case it is much more difficult to complete everything, but perhaps, because many organizations understand the situation and meet halfway.
What are the loans?
Especially for those who do not have the time or opportunity to fulfill all the conditions of a loan usual in a state bank or in another serious organization there are a variety of loans.
The most common option is a loan or another variant of lending with proof of income, it is in this form that most of the contracts are implemented. However, there are also targeted loans, with which you only need to determine and put the bank in notice that you need money. An example is a car loan, when the car remains for a long time the property of the bank, but the borrower can fully use it. You can also take out a loan secured by real estate, but this is risky enough and such transactions are only in extreme cases.
How does the procedure work?
After it was determined why a loan is needed, it is necessary to proceed to receive it. First of all you need to evaluate the available proposals, now it can be done with the help of the network. Also, an application for a loan to the banks of Moscow can be made out on the Internet, in some cases it is enough to indicate all the necessary data, in others to attach a scan of all mandatory documents, but the trip to the organization at the initial level is not required. This is a serious saving of time and energy, and this is one of the most important resources of modern man. Then you need to wait for a call from a specialist who will inform you about the bank's decision, as well as how to get money and where to do it.
Be sure to carefully prepare for the loan, try to learn all the conditions and rationally assess the situation. View the forecasts for inflation, as well as overpayments and try to compare these figures. To the burden was not too heavy you need to use the advice of specialists and translate their wishes into life regarding the timing and other nuances.