Consumer lending is moving through the country by leaps and bounds. According Apply now to the results of 2017, the size increased by 20.9 %. 15.25 million consumer loans were issued. People ceased to be afraid to collect, and banks – to give.
But there is another side of the coin – the highest bit of overdue debt. But its stabilization is also noted (20.6 % in 2017 compared to 21.5 % in 2016). Let’s see what is a consumer loan, on what criteria it is issued and how not to be in the number of debtors. As security have all chances to be a Deposit, guarantee, insurance, guarantee. This is the usual application of a financial and credit institution. No time the Bank will not invest in plans until it protects itself from the risk of non-return and will not provide for itself a worthy yield. For him, this plan is considered a borrower and the plan is quite risky. Literally every loan is possible to issue the Internet. Fill in the form on the Bank’s website and wait for the preliminary conclusion. Subsequently, the promotion with a package of documents you need to go to the Bank.
What claims of the Bank are required to meet the likely borrowers:
citizenship of the Russian Federation;
age from 18 years and older;
fixed income;
experience in one space from 3 months;
registration (constant or temporary) in the land of Russia;
good credit history;
the presence of a telephone (stationary or mobile).
These are the main requests, in any banks they are less important. For example, it is enough for VTB to be a native of the Russian Federation and have a long-term registration in the area of the Bank’s branches.
What securities are urged by banks to provide credit:
personal passport of the Russian Federation Mr.;
papers to choose from (eg, passport, driver’s license, SNILS, INN, etc.);
paper, confirming the profits.
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