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:

1. Passport with a valid residence permit in the region of the location of the main office or branch of the credit institution.
2. The second document certifying the identity of the borrower.

Although it is quite easy to "get" a loan without cash on income and guarantors, the borrower will have to agree to pay huge interest - up to 70% per annum. Such a large overpayment is associated with the bank's desire to level out its own risks. The maximum amount that can be obtained in this way is determined by the legislation of the Russian Federation and amounts to one and a half million rubles, but in a rare bank it is possible to receive more than 500 thousand rubles. The same situation with the maximum period for which you can get a loan. In the law, it is 5 years, but in reality, someone rarely succeeds in formalizing the program for more than six months. To receive the necessary credit in cash without a certificate of income, exceeding the amount of 500 thousand rubles. Will have to submit to the banking organization the signature of the guarantor or the collateral object.

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.

To take a cash loan without a certificate of income, it is not even necessary to visit the bank branch. It is enough to find a special application on the official website of the organization and, after filling it, send it to the manager. Within two hours, the bank will receive a notification on the rejection or approval of the application in the telephone mode. After that, you must visit any branch of the selected bank and present the originals of these documents. It should be remembered that a banking organization has every right to reject an application and not give a loan in cash without a certificate of income after examining all the securities provided.

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.