Finance, Loans
How to get a cash loan without a certificate of income?
It's no secret that today the majority of the population of the Russian Federation lives off loans. This is a direct consequence of the international economic crisis, as a result of which millions of Russians were below the poverty line, and hundreds of banks - bankrupt. In recent years, the Government of the Russian Federation has been actively developing bills regulating the work of such organizations and protecting the rights of ordinary depositors and borrowers. At the moment, the most popular loan option is a cash loan without a certificate of income, which will be processed with pleasure in any bank with the relevant department. Each client is guided by different parameters of the loan issued: one is the speed of registration, the other is the maximum amount that can be obtained, and the third is the minimum package of documents.
Today it is incredibly easy to issue a cash loan without a certificate of income. It is enough to bring 2 documents to the bank:
- Passport with a valid residence permit in the region of the location of the main office or branch of the credit institution.
- The second document certifying the identity of the borrower.
Monetary limits of loans:
- If there are only two documents - up to one and a half million rubles;
- If there is a guarantee and a collateral object in the form of a car - from one and a half million rubles. Up to three million rubles;
- If there is a pledge in the form of a real estate object (an apartment, a private house or a land plot) - up to ten million rubles.
It is worth remembering that when making such a loan, the client agrees to pay sometimes up to 70% per annum. Therefore, it is necessary to understand exactly why money is needed. If the need for them is small, it is much more expedient to collect the full package of documents in order to obtain "soft" loan conditions and a decent amount for a long period.
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