In a person's life there are different situations. Nobody is immune from difficulties. And it's good if the difficulties can be easily solved. So, today a financial problem can be eliminated for a while by taking a loan. This will delay the need to return the money - the recipient of the funds will pay them gradually, paying off the debt over time. Today, many Russians use this scheme.

What is a loan?

Many will say that they would never take a loan because it is unprofitable. In fact, everything is far from it. This banking product can become excellent in the capable hands of the recipient. financial instrument which will help to solve temporary difficulties and troubles. The term of the loan largely depends on the type. There are also loans on which you can repay the debt for more than 10-20 years.

The definition of a loan is very broad. It covers all operations for the transfer of various objects from one person to another. The subject of the transaction may be cash, property and much more. The terms of the loan are specified in the contract.

If we consider this concept in a narrow sense, then only cash is understood as the subject of a loan.

What types of loans are there?

There are several types of loans:

1. Depending on the term:

• short-term;
• medium-term;
• long-term.

1. Depending on the purpose of the loan:

• cash (they are also called purposeless);
• car loans;
• mortgage credit lending;
• educational loan.

The last three varieties are consumer loans. Loans granted to corporate clients can be singled out as a separate group.

Assessing the lending market and consumer demand, the bank's specialists develop proposals. Often certain categories citizens are given the opportunity to take a loan on special conditions.

Is a loan at Sberbank profitable?

Market loan offers huge today. Banks different sizes offer their customers special products. It can be quite difficult to determine which one is the most profitable.

Today it is better to take a loan in the following Russian banks:

• In Sberbank . He is the undisputed leader. Moreover, according to consumers, too, because it is not in vain that 1/3 of all loan recipients applied to this institution. The factors that influenced the choice were - a high level of trust, reliability, impeccable reputation, transparency of the proposed loan conditions.
• VTB , or rather VTB 24 as one of its divisions. The latter is focused on working with the population (namely, with individuals);
• Rosbank . It is one of the largest banks in the country. One of the main features is just the provision of loans.

Loan at Sberbank - what programs does the bank have?

Today, Sberbank offers its customers to take several types of loans. Each of them is designed for certain situations in a person's life (when there is no time to collect documents or when there is plenty of it).

Unsecured loan

This type of consumer credit has its undoubted advantages, which include:

1. quick approval of the loan and its subsequent issuance;
2. no need to look for guarantors;
3. the only thing that is required is to provide your own documents, and of course the personal presence of a potential borrower.

There are some disadvantages to such a loan. The main thing is the increased rate compared to a loan with a guarantee.

Basic conditions

Features of this type of loan include:

• the maximum amount of such a loan is 750,000 rubles;
• you can get a loan not only in rubles, but also in dollars and euros;
• a loan is provided for a period of 3 months to 5 years;
• a person who has reached the age of 21 can receive a loan;
• general seniority the recipient of the loan must be at least 1 year old, and at the last place of work he must work for at least the last six months;
• the interest rate depends on the currency in which the loan will be issued (for foreign money, the value can vary from 13 to 15.5% per year, but in rubles the rate is slightly higher - from 15 to 20%);
• if the borrower does not have a positive credit history in Sberbank, then the interest on the loan can be increased additionally;
• this product is most beneficial for those who receive a salary on a Sberbank card, the rest are forced to take out a loan at a higher interest rate.

Since 2011, Sberbank has been providing individual loan conditions for each applicant. To calculate the interest rate the borrower is evaluated separately. If you have a positive credit history or receive wages on a card at Sberbank, the cost of a loan can be reduced to 3%, which, in fact, is a rather serious amount.

You can make a preliminary calculation for the loan yourself, using online calculator. Another way is to use your Personal Area in the Sberbank Online system. There you can also study the conditions for specific loan products.

About the review period and shortcomings

An application for a loan is considered quite quickly - within 2 business days. Although it usually happens a little faster. When receiving a salary on a Sberbank card, the maximum period is reduced to 1 day.

We must not forget that in order to receive a loan, a registration or at least temporary registration is required. In the latter case, the loan term cannot expire later than the registration expiration date.

The main disadvantage of such lending is big size loan cost. That is why many resort to using a different type of loan.

Loan with guarantee

This type of loan is quite simple to apply. Compared to the previous version, in this case, the amount of available funds to receive is much higher - the borrower can receive up to 3.5 million rubles. Loan conditions are the same as for a loan without a guarantee, with some exceptions:

• a guarantee of individuals and confirmation of their solvency will be required;
• slightly lower interest rate foreign exchange it varies from 12 to 14.5%, and for rubles from 14.5 to 19%).

If you urgently need funds, but you don’t know where to get them, applying for a loan at Sberbank is a great way out of this situation.

Sberbank has the largest in Russia loan portfolio– over 30% of loans issued to individuals in 2016. Every year, Sberbank's loan programs are becoming more diverse and accessible to the Russian population. Almost everyone can apply for a loan at Sberbank: this is facilitated by a wide range of lending programs and relatively low interest rates.

Loan processing methods

There are two ways to apply for a loan.

Applying for a loan at a bank branch

To take out a loan, you need:

Come to the branch of Sberbank, inform about your intention and present your passport. Before visiting, call the bank and ask if a registration mark is required. Depending on the type of loan, you can take the right amount funds with temporary registration.

Fill out an application form, indicating in it personal and contact details, information on solvency, financial condition, experience and occupation.

Provide a certificate of form 2 personal income tax (issued at work) and a copy of the work book.

If you want to take a loan secured by real estate, provide the necessary documents.

Clients who are paid for bank card, it is easier to confirm your performance (sometimes confirmation is not required).

Get a loan through Sberbank Online: instructions

You will be contacted and if the loan is approved, you will be invited to come for the receipt of funds and the completion of the contract.

Without personal presence, money is not issued!

Who can take out a loan

A loan from Sberbank can be taken by a Russian citizen with an official income who is 21 years old. Work experience - at least 1 year, of which - 6 months at the last place of employment.

Consumer loans and cash loans at Sberbank are in particular demand among the population due to the ease of obtaining them (in some cases without guarantors and collateral), as well as favorable loan rates compared to other banks.

Sberbank consumer loans - conditions and maximum amounts

Sberbank offers customers different kind loans: without collateral, with collateral in the form of a guarantee of individuals, as well as with mixed collateral.

Sberbank also offers the following special consumer lending programs:

Consumer loan secured by real estate. The amounts here are much higher:
10.0 million rubles; USD 355,000; EUR 250,000 (but the amount should not exceed 70% of the expert value of the object).
Repayment terms - up to 7 years, interest rates 12.85% - 14.25% (rubles), 12.05% - 13.40% (currency).

Educational loan- to pay for education in any educational institution in Russia. The loan is provided in rubles, the amount cannot exceed 90% of the cost of education. The loan is given on preferential terms: for 11 years at 12% per annum.

Educational loan with government subsidies can be obtained to pay for higher education received for the first time for those who passed the selection and got into state program. The repayment period for this loan is the time of study at the university plus 10 years. Interest rate - 5.06%.

Recently very popular among the people "Express loan" - cash loan which can be received within an hour. To take such a loan, it is enough to provide the bank with a copy of the recipient's work book, a certificate of income for 6 months and a document confirming registration.
Maximum amount such a loan will amount to 750 thousand rubles, interest rates of 18.45% - 21.4% (rubles), 13.05% - 15.4% (in foreign currency).

Features of lending in Sberbank and the maximum loan amount

• Interest on loans is much lower, but it is much more difficult to get - the security service of Sberbank works at a high level, minimizing the risk of non-returned loans.
• The maximum amount for an unsecured consumer loan is up to one and a half million rubles, for a period of up to 5 years, with an interest rate in rubles of 16 - 23.5%.
• A loan for any purpose under the guarantee of individuals can be obtained for a period of up to 5 years, with interest rate in rubles from 15.5 to 22.5%. Its maximum amount will be 3 million rubles.
• Individuals can receive consumer credit secured by real estate objects - up to 10 million rubles, at an acceptable interest rate (at a rate in rubles) from 12.85 to 14.25, for a period of up to 7 years.
• A consumer loan can be issued both under a guarantee or pledge of property, real estate, and without a guarantee and pledge. One type of consumer loan is a student loan.

Types of loans in Sberbank

In addition to those listed above, Sberbank provides the population with the following types of loans:

1. A very popular banking service among the population is refinancing. home loan(provision of funds to repay a housing loan taken from another bank). The loan can be issued to you for up to 30 years.
2. Housing loans for the construction of your own home, as well as for the purchase of finished or under construction housing,
3. For the purchase of suburban real estate or a garage,
4. Mortgages secured by housing under construction or finished housing or maternity capital,
5. Auto loans.

Car loans are provided for the purchase vehicle- new or from the secondary market. The term for granting a car loan at Sberbank is 5 years, the interest rate starts from 15%. Within the framework of the partnership program, the interest on the loan is partially or fully compensated due to preferential conditions.

Reviews of loans in Sberbank

I took loans for various needs: for a car, repairs, an apartment. All loans were taken from Sberbank. In the case of a loan for repairs, the following situation arose: I went to the bank to apply for a loan for a New Year's promotion of 13%, but after consideration, the bank was able to offer only 20%, plus with the condition that at any time I could raise the percentage. The bad thing is that there is no special system of work with regular customers, even after several loans have been paid out, the bank no longer has “trust” in you and it reinsures itself once again when applying for a new one.

They took loans mainly from Sberbank. There is an acceptable interest on the loan and, in my opinion, there are minimal additional commissions. Loans were taken for 5 years, but they were always repaid earlier in a period of one and a half to three years, without any penalties, they came to the bank and asked to tell the loan balance for a certain date and repaid without any statements and other things. True, in order to apply for a loan, in addition to a passport, you need a salary certificate and a certified copy of the work book, and for this you need to take care of this in advance and order these documents from the employer, it is also possible that guarantors with the same set of documents will be required, so amateurs fast money this bank is not suitable. And so everything is without deception and headaches, subject to the rules of lending and, most importantly, repay the loan on time!

I have been using consumer loans at Sberbank for a long time. I always thought it was very convenient, I don’t have to re-borrow from anyone, feel obligated, I usually pay them off in the shortest possible time. By the way, all my friends who received a consumer loan without collateral at Sberbank received even more interest than mine, even taking out insurance.

The girl took a long time to draw up documents, even photographing me for this. It took me about 30 minutes to complete.

To do this, I had to open a savings book, where the money from the received loan should have been transferred.

This year, I received an SMS on my phone saying that, as a bona fide client, an additional loan was opened for me in the amount of 333,000 rubles, they even assigned a code under which I can take a loan. Thinking that since I am considered a conscientious client, it means that the interest rate is lower and I can take a loan, pay off the previous one and pay everything at lower interest rates, I went to Sberbank. What was my surprise when I found out that the loan is given at almost 23 percent.

Therefore, I cannot say that Sberbank takes care of its good customers. I will take the next loan from another bank at lower interest rates, especially since my credit history will be in the general archives of banks

If it is not possible to take a profitable cash loan from a bank in Moscow under low interest– it makes sense to try three more legal ways to get cash in Moscow:

• Apply for an express loan - a real way out if you need it a small amount and are you ready for more high interest. Banks deliberately raise interest rates on loans, insuring themselves against a possible default on the part of an unscrupulous borrower;
• Go to a frequent lender - here the client bears all the risks. Often, such loans are subject to such stringent conditions and commissions that in case of a bad development of events, you can lose all your property: it will go to repay the debt. The scheme is often used by scammers, although it may be lucky;
• To find out Current state own credit rating and CI. Here is a more detailed article on how to ;
• Apply to microfinance organizations in Moscow for quick loan. Microloans in 2019 are faster and easier than trying to get a bank loan at a low interest rate for individuals. Already today you can get a loan directly via the Internet, without leaving your home, without certificates and guarantors, to your debit card, credit card or cash at the nearest office. Online loans are issued with virtually no refusals, even if you have a bad credit history, but interest rates on loans will be higher than in banks. Above is a list of current MFI offers that are licensed and registered in the registry.

What is the difference between a loan and a loan? What are the conditions of banks where you can get a loan? How to draw up a mortgage agreement real estate to get a loan?

One of my acquaintances took a loan from the company where he works. Another took a loan from a bank. The amount is the same 1 million rubles. Both will use other people's money - what's the difference?

And the difference between them is significant. The first comrade will not pay a single ruble from above. Just return the money in full in a year. But the second one will return 17% more. That is, lay out in a year to the bank 170 000 rubles their own funds.

And now in more detail and point by point. In touch Denis Kuderin - financial expert of the HeatherBober magazine. I will tell, What is a loan and how is it different from a loan? in which cases it is more profitable to take a loan than a classic loan, and why not everyone has access to this way of solving their financial problems.

We sit down in our favorite chair and read to the end - in the final you will find valuable advice, how not to ruin your credit history in order to obtain a loan on the most favorable terms.

1. What is a loan and how is it different from a loan

Most people don't see the difference between loans, credits and loans. For an ordinary citizen, these are identical concepts - they involve the use of other people's funds for urgent or long-term needs.

Moreover, even bank employees often use these terms interchangeably. But from a legal point of view, a loan and a credit are far from equivalent concepts. Although in some cases it will not be a mistake to call a loan a loan. It all depends on conditions, where one person gives money to another.

- transfer of money or material assets under a gratuitous use agreement on a return basis. The loan does not involve the mandatory payment of interest on the use of funds.

Credit- a special case of a loan, involving a certain fee for using credit funds. Credit is issued exclusively money.

In this way, a loan can always be called a loan, but it would be incorrect to call an interest-free loan a loan.

Only the right to issue loans legal entities having the appropriate permission of the Central Bank. These include banks, MFIs, pawnshops and some other financial companies. If you are borrowed money by a private person, it will no longer be a loan, but a loan.

If you like the word “loan” more, then you have every right to call the loan issued by the bank that way. Only in this case the loan will not be gratuitous.

Another fundamental difference between a loan is that it is issued strictly for a certain time. For example, for 6 months or 5 years. BUT loans are indefinite- "When you can, then you will give it back."

So let's sort the data:

• credit is issued only in cash;
• a written agreement is always concluded between the borrower and the lender;
• lending involves an interest rate - a fee for using borrowed money, while the loan is free of charge;
• bank loans are repaid according to the schedule - usually these are monthly payments, approximately equal in amount, the loan is often returned in a single payment in full;
• loans and loans are issued both on security and without it;
• the creditor has the right to demand from the borrower the payment of funds through the court if he does not fulfill his obligations.

Claiming a refund under a loan agreement is more difficult from a legal point of view. Especially, if the agreement does not specify specific terms and conditions.

Often a loan is the result of a particularly trusting relationship between the parties to the transaction.

Example

One valuable employee at the enterprise where I once worked was given a loan by the authorities to buy a car. All that was required from the employee was a written consent to return the funds gradually from each salary, which he did during the year. He didn't pay any interest..

Loans are given to those who are trusted

That is, a gratuitous loan is not issued to everyone. This right must be earned. But loans are available to almost everyone who has official employment and stable income.

In fact, a perpetual and interest-free loan is a transfer of values ​​to trust management or rent free of charge. It is assumed that the parties to the transaction know each other well.

At the same time, the lender is sure that the other party will definitely return the funds without involving third parties(meaning the judiciary).

Credit is a more complex concept in economic and legal terms. It presupposes a mandatory conclusion written contract , which has legal force, always has deadlines repayment of borrowed funds and interest on them. If someone says that they take out a loan from a bank, they most likely mean a regular loan.

It is more correct to call it a loan free transfer of funds with subsequent return.

To finally dot the "e", I made a table:

2. What are the types of loans - TOP-3 popular types

Which is better - a loan or a loan? Of course, a loan, if it is gratuitous and interest-free. But not every loan is like that. And not all categories of citizens have access to such a product.

The following are entitled to preferential terms:

• valuable employees;
• military;
• young families;
• Young professionals;
• preferred clients of financial companies.

Now consider, what are the types of loans in the broadest sense of the term.

Type 1. Property loan

This is the most beneficial loan for the recipient. Property loan is free transfer to an individual or individual entrepreneur of valuable property.

Transferred for temporary use:

• real estate;
• transport;
• equipment;
• securities;
• and much more.

To the recipient transfers only the right to use, not ownership. That is, a person has the right to use property, but it cannot be sold or donated. The receiving party undertakes to use the funds in accordance with their purpose.

If it is technology or real estate, the recipient ensures their safety and undertakes not to transfer to third parties. He is liable for damage or loss of property. At the end of the agreement, he undertakes to return the same thing taking into account natural wear and tear.

Type 2. Bank loan

special case loans provided by the bank. It is more correct to call such a loan credit.

Peculiarities:

• the subject of lending is exclusively cash;
• money is transferred under certain conditions and for a strictly limited period;
• an agreement is concluded between the bank and the client, the fulfillment of all points of which is binding on both parties.

Banks issue loans both individuals and legal entities.

Type 3. Consumer loan

Another type of loan that involves the payment of interest on the use of funds.

Consumer loans are extremely diverse:

• loans for urgent needs;
• car loans;
• mortgage;
• credit cards;
• installment plan - a case when interest is paid not by the client, but by the intermediary of the bank - the seller of goods or services.

Loans are targeted and non-targeted, with and without collateral. or other property suggest more lenient conditions for the recipient.

Payment of remuneration for the use of money is obligatory. This includes: loan interest rate, various fees and commissions for financial transactions.

3. How to mortgage real estate for a loan - step by step instructions

The probability of obtaining a loan from a bank or other financial company will increase, if you provide the lender with additional money-back guarantees. In our case, real estate is such a guarantee.

You arrange an apartment or house as collateral, and the bank gives you a more impressive amount on special conditions for this.

The pledge is beneficial to both parties of the transaction- but more, of course, the bank. A credit institution does not risk anything if it takes valuable property as collateral.

Even if the client for some reason cannot fulfill his debt obligations, the lender will sue him for a pledge, implements it and repays with these funds both the debt, and accrued interest, and fines.

How to get a secured loan competently, quickly and profitably? enjoy expert guidance.

Step 1. Choose a bank and submit an application

It is better to deal with a solid and reliable bank than with MFIs and other organizations with questionable status. The registration procedure in banks is more serious and lengthy, but you get a security guarantee. Provided, of course, that you will regularly pay the debt.

And more is needed choose the right lender There are many banks, and you are one. Do not be lazy - take the time to study the terms of lending and select the most suitable programs.

What to look for when choosing a bank:

• company hours of operation;
• rating from independent rating agencies;
• availability of branches in your city or district;
• company's financial performance;
• reviews.

It is desirable to track last news about the bank.

Step 2. We provide documents for real estate and wait for the assessment

The list of client documents in all institutions is standard - general passport, second document, employment history or labor contract(copies), certificate 2-NDFL or 3-NDFL.

Documents for the collateral object:

• fresh extract from USRN– it replaces the certificate of ownership from 2017;
• title papers: on what basis real estate was acquired - purchase and sale, donation, inheritance, privatization;
• technical and cadastral passports;
• a document confirming the absence of arrests and encumbrances to the object;
• evaluation report- This paper is valid for 6 months from the date of receipt.

may require an extract from the home book, the consent of other owners to the alienation of property, a list of residents registered in the apartment and other documents at the discretion of the bank.

You have the right to conduct an assessment in advance in an accredited company. In this case, the results of the procedure will be more objective. Otherwise bank employees will be engaged in the assessment, and it is in their interests to underestimate the real cost. This is how they mitigate their risks.

Step 3. We conclude an agreement with the bank

The most crucial moment of the process. Bank employees are not in the habit of explaining to customers all the clauses of the contract, unless they are asked to do so.

On the contrary, it is beneficial for them that the borrower “waves” the agreement without looking - unscrupulous banks earn not only on interest rates, but also on the financial illiteracy of users.

That's why you must read the contract. The ideal option is if it is read by a professional lawyer. If you personally or your lawyer do not like any points, you have the right to demand changes in the wording or complete exclusion of clauses from the contract.

What to look for first:

• final rate;
• the presence of commissions for financial transactions and other additional fees;
• conditions for early repayment of the loan;
• duties of the parties;
• notes and section "special conditions".

Separately compiled pledge agreement. I also advise you to read it "with a lawyer at the ready." Be sure to pay attention to your rights as an owner after registering the object as a pledge. Some banks forbid a lot of things to the owners - even renting out apartments.

Step 4. Get a loan

Money is given either in cash or transferred to a card. Be sure to demand documentary evidence transfer of funds. I think there is no need to remind you that the amount of the loan received must be checked and rechecked.

Step 5. We clarify the payment schedule and pay off the debt

Each borrower receives loan repayment schedule. You need to follow it literally, and not as you have to, otherwise the fines will grow like a snowball.

If you transfer from another account or through electronic systems take into account commissions. And it is better to choose a repayment option in which no commission is charged.

4. Where to get a loan - an overview of the TOP-5 popular banks

Get a loan secured by real estate not the only and far from the fastest option to borrow money from the bank.

If you need a relatively small amount ranging from 200 before 750,000 rubles, it is more profitable to order credit card. Credit cards have a grace period during which no interest is charged on financial transactions.

Choose a bank from top five credit institutions in the Russian Federation.

– banking and any other real estate. The following items are considered as collateral: houses, dachas, cottages, land with and without buildings, commercial (non-residential) real estate, objects with blocked buildings.

The loan is issued for term from 5 to 10 years. Maximum amount - 30 million, but not more than 60% of the value of the deposit. base rate- 18.9%. The list of mandatory requirements includes the client's residence and the location of the object in the product coverage area. But it is not necessary to present a 2-NDFL certificate - Sovcombank has other methods of checking solvency.

– bank loans in the form of consumer loans in cash for any needs. The maximum loan amount is 3 million rubles, the base interest rate is 13.9% per annum. Terms - up to 36 months. For civil servants, doctors, teachers, law enforcement officers, tax service- special conditions.

Loan applications are accepted through the website. The answer will come in 15 minutes. If the loan is approved, you will only have take the original documents with you and go to the nearest VTB branch sign an agreement.

– in addition to ordinary consumer loans in cash up to 1 million rubles, here they issue credit cards with a limit of up to 300 000 rub. and grace period lending 55 days. During this period, interest on card purchases is not charged. On the contrary, 30% is returned in the form of cashback in points.

AT " Tinkoff Bank» There are no traditional branches and offices. All operations are performed here remotely - by phone and via the Internet. You don't have to wait in line. At any time of the day, thousands of call center operators are in touch.

4) Alfa-Bank

– loans for all occasions, including mortgage loans secured by existing housing and preferential programs for young families. Salary clients - tangible rate discounts.

Several types of credit cards are available with limits ranging from 300 000 before 1 million. Record grace periods for credit cards - from 60 to 100 days. Some credit cards are serviced for a year free of charge. Order - through the site.

5) Renaissance Credit

– cash loans for urgent needs up to 700 000 rubles 4 each credit programs. Special loans for pensioners and salary clients of "Renaissance".

If you need money urgently, apply for a credit card with a limit of up to 200 000 rub. and grace period at 50 days. Issue and maintenance free of charge. Same day pickup at the nearest branch of the bank.

Compare bank offers and make your choice:

№	Banks	Rate, in %	Amount, rub.	Peculiarities
1		From 18.9	From 300,000 to 30 million	Loans for any real estate, including land and non-residential objects
2		23.99 - bet on credit card, from 14.9 - for a regular consumer loan	Up to 1 million per card, up to 3 million on a regular loan	Many preferential programs for payroll clients
5		24.9 for card loans, 14.9 for regular loans	Up to 200,000 per card, up to 700,000 in cash	Special conditions for borrowers who have provided more documents

5. How not to spoil your credit history - 4 practical tips

Good credit history opens up attractive financial prospects for the citizen. And vice versa - with bad "credit karma" a person's opportunities become extremely limited.

It's easy to ruin your credit history, but fixing is extremely difficult, almost impossible.

Expert advice help you maintain your credit status at the highest level.

Tip 1. Do not overestimate your financial capabilities

Many borrowers act like this: first they take out a loan, then they calculate their financial capabilities. And vice versa - first calculate your income and expenses then take out a loan.

Money loves an account - get a budget spreadsheet. There are a lot of convenient special applications on the Internet - download them and use them. It is optimal if it takes 25-30% to pay off the debt monthly income, no more. If the amount approaches 50%, it is already difficult - both morally and financially.

Tip 2: Avoid late payments

Delays are bad. If you do not rely on your memory, connect Internet banking. You will know exactly how much you owe, and payments will be deducted automatically. No delays - the main condition for a clean credit history.

Stick to your payment schedule. If there is a delay, try to eliminate it as soon as possible. You have approximately 7 days before the data arrives at the BKI - credit history bureau.

Tip 3. Do not apply for a loan to pay off another loan

The classic mistake take new loan to pay off the old. This option leads to an increase in debt and a total deterioration in credit history. The smarter way is restructuring(refinancing).

The demand from the guarantor is the same as from the borrower himself. The partner does not pay inevitably affects your credit history. You, as a guarantor, will be denied access to loans for 2 years, even for the usual delay.

If you are going to take a loan from a bank in the near future, give up the “honorable” mission of a guarantor: helping out a friend or relative is a worthy deed, but you also need to think about your own well-being.

Watch an interesting video on the topic financial literacy.

6. Conclusion

A loan is a loan that one person provides to another person on individual terms. Loans are gratuitous, banking, private, with or without collateral. A special case of a loan - Bank loan with an interest rate and a fixed repayment period.

Question for readers

In your opinion, where to take a loan is more profitable and safer?

If you are officially employed, and your employer is a fairly large organization, there is the possibility of obtaining a loan at work. And it is not at all necessary that the employer himself will act as a creditor, borrowed money can also be issued by the bank that accredited your organization. Here are two options for obtaining a loan and consider.

Getting a loan through an employer

When choosing this option, it is better to immediately understand that the company is not obliged to lend money to its employees. The issuance of a loan occurs only at the discretion of the employer. If the company has such a practice, then the conditions for providing you with money will be regulated by the employer. The law does not provide for any framework for such operations.

Applying for a loan:

1. You should draw up an application for not issuing a loan, which will subsequently be sent to the manager. There is no special form for such a statement, write freely. In the application, indicate how much you want to receive, for how long, how you are ready to pay off the debt.
2. There is no time limit for processing such an application. A decision will be made shortly on the application. If this is an approval, the head issues an appropriate order and sends it to the accounting department.
3. The loan amount will be transferred to your payroll account. Further, deductions will be made monthly from wages to pay off the loan.

Your manager may interview you first to discuss loan options. The organization is unlikely to lend money just like that, so a certain percentage will be established on the loan. If an interest-free loan is issued, then you will have to pay tax.

Loan from the bank that accredited the company

If the employer is a large enterprise, then most likely it is accredited by one or more banks. Accreditation is given to positive companies that have a large staff, whose activities are successful and profitable. Accordingly, the employees of such enterprises hold on to their jobs, receive a stable and good income. This is what allows employees of companies accredited by the bank to receive loans on preferential terms: low rates, increased limits, the ability to get a loan without references.

Often, bank representatives themselves come to accredited enterprises, present products and even accept applications for loans at the workplace of potential borrowers.

Loan procedure:

1. If you work for a large organization, find out which banks it is accredited to. Information can be obtained from the immediate supervisor or in the accounting department.
2. Contact the bank office, find out about the conditions for issuing a loan to employees of accredited organizations, the requirements for borrowers.
3. Gather required package documents and submit the application for consideration. Borrowers in this category are preferential, so a decision can be made in a couple of hours.
4. After signing the contract, the money will be transferred to the account to which the salary is received.

Loans to payroll clients

There is another option for profitable lending - contact the bank to whose account you receive wages. Many enterprises cooperate with certain banks within the framework of salary projects. And employees of these enterprises can count on concessional lending. They can get a loan without references during the day, while the rates for them are always low, and the limits are increased.

You need to contact the bank that services your salary account. Often such banks themselves offer citizens to take advantage of preferential programs. To apply for a loan, you only need a passport, a decision on the application will be received in 1-2 hours. The probability of approval for applications from payroll clients is the highest. After signing the contract, the money will go to the salary account. If he uses an Internet bank, in the future it will be convenient for him to repay a loan: he will simply transfer money online from his salary account to a credit one.