In which banks is it profitable to take a loan? Getting a loan: conditions, documents

Before you make a loan, most of the population thinks about which banks are profitable to take out a loan. But in pursuit of the dream, for which they take this money, people sometimes forget to pay attention to their solvency and possible force majeure circumstances.

How to calculate correctly, what loan is right for you?

Before stopping at any one credit offer, the best option would be:

• Calculate the possible creditworthiness and payment amount per month under the contract. The borrower is considered solvent if the loan payment per month does not exceed more than 50% of the total income. The best option would be if this amount is 10 or 15% of your earnings. According to experts, this amount of payment practically does not affect the borrower's standard of living .

• Have the opportunity to earn extra money. An excellent alternative would be if you have extra money, in addition to your basic income. Even if your annuity payment amount is invisible to your budget, this money may be needed in case of unforeseen circumstances.
• Determine the approximate period of loan cancellation. Do not forget: the longer you take the loan, the lower the loan rates. Do not go from the extreme to the extreme, find the "golden mean". As the statistics show, the population prefers to take a loan for a year or two, and if it comes to mortgages, then for 5-10 years.

Getting a loan: the necessary documents

To date, almost every bank provides loans for any purpose. The most common type of loan is consumer credit. This
The loan is not targeted, and the borrower decides where he can spend money, without the knowledge of the bank. Practically all banks have one list of documents for applying for a loan:

1. Passport of a citizen of the Russian Federation.
2. Information on income in the form of 2-NDFL.
3. SNILS, passport or driver's license.
4. Additional documents upon request of the bank.

In which banks is it profitable to take a loan?

As statistics show, at the beginning of 2015, interest rates on loans increased significantly compared to the period of 2014. It would be right to associate this with the unstable economic situation in the country and the fall in the ruble exchange rate.

The first place is held by Sberbank. According to analytical data, this bank has the lowest interest rates. This organization holds its positions in the leaders on lending long enough, using state support.

On average, the rate on consumer loans in this bank is from 19% per annum.

"VTB 24" - on the second place. One of the largest commercial credit organizations, which is present on a par with Sberbank in each city.

Obtaining a loan is possible with a rate of 21% per year.

The third most popular credit institution is the Bank of Moscow. It is also a non-state structure and closely cooperates with the population. It is possible to overpay for a year from 23% per annum.

Sovcombank is the leader in issuing loans to the population of senior and retirement age. But interest rates on loans leave much to be desired and can reach 30% per year of lending.

Features of credit institutions

No expert will be able to give you an accurate answer to the question of which banks are profitable to take a loan. When applying for a loan, you should pay attention to the fact that each bank has its own nuances. Before calculating the interest rate, it is necessary to take into account such factors as the amount of the loan, the crediting period, the contract insurance, the anticipated tariff, the availability of a pledge or a guarantor, your data from the BCH, and much more. Based only on these data, the lender will be able to calculate the amount and rates of the loan, but only on condition of personal contact with the bank.

Conditions for obtaining a loan

Practically all banks have one requirements for the borrower:

1. Passport of a citizen of the Russian Federation. Some banks make concessions and allow you to take out a loan for persons who have a temporary residence permit, the law does not prohibit this, but in practice this is very rare.

2. Age from 21 to 65 years. An exception to this section is Sovcombank, which provides loans to pensioners under the age of 75, provided that at the end of the loan agreement you must be no more than the specified age. At the time of application, you must have a maximum of 70 if you expect to take a loan for 5 years, and 72 years if you take a loan for up to three years.

3. Official work. No bank will give a loan to a non-working person. Confirmation of your employment can be a certificate of 2-NDFL, a certificate of state registration of you as an individual entrepreneur or fixing your company in the form of LLC, CJSC, JSC.

4. Good credit history. The presence of repeated delays in repaying loans in the past in 100% of cases will serve as an excuse for refusing a loan. And the lack of your data in the credit history bureau can also serve as a rejection of your application. Experts advise you to borrow a cheap thing: a phone, household appliances or furniture, and regularly pay out a loan, thereby establishing itself as a capable, responsible loan borrower. If you are denied immediately after ten minutes after the application, you can be sure: the reason for this can be your bad credit history, as banks check the data from BKI first.

Bank customer references

Answering the question "which bank is more profitable to take out a loan," it will be important to pay attention to the organizations servicing the loan, whose comments will provide an overview of the proposed lending services in this bank. Pay special attention to real negative feedback.

Before deciding which banks are profitable to take a loan, always check for yourself the possibility of your solvency. It is undesirable to take a loan if the monthly payment exceeds 40-50% of your income. Do not complain about the possibility of paying the loan agreement ahead of time, not taking into account the force majeure circumstances. And finally: do not shift the blame to the credit institution in the event of your difficulties in paying the mandatory monthly payment, the loan must always be approached with a "cold head".