You urgently need money. Not for an apartment, not for a luxury car - much less. Let's say you want to renovate your home. Or on a romantic trip along the Great Silk or the Northern Sea Route. The money you have accumulated is not enough, you need another 300-400 thousand. Consumer credit is what you need now. But before you make it out, weigh the pros and cons. Payments on a consumer loan should not exceed 25-30% of income, otherwise, instead of solving one of your problems, you risk getting a new one, and more than one.

Have you decided to take out a loan? And how to choose a lender and draw up a contract so that over time it does not become a headache? A small legal subtlety: a consumer loan can only be issued at a bank. In other organizations operating legally, you can conclude a loan agreement.

How much to take?

Consumer loans are issued only to individuals, and you can spend this money on the purchase of goods and services for yourself or your family. A loan can be taken both for a specific purchase - this is a targeted loan, and without specifying upcoming expenses.

The maximum loan amount depends on your income (be it salary, pension or stipend). The higher it is, the more likely it is that you will be able to pay off the loan in full and on time. Therefore, the amount of the loan that you can be given is also higher. The amount of a loan without collateral will usually be lower than with guarantors or secured by property.

Try to calculate how much money you need and for how long. Remember at the same time that you will have to return not only this money, but also interest, as well as pay for possible additional services. Consider the upcoming large expenses not related to the loan, and do not forget about force majeure circumstances.

Full cost of the loan

Important! Be sure to find out the full cost of the loan (TCP). It takes into account not only the loan amount and interest rate, but also other costs stipulated by the contract, such as insurance or a fee for issuing a credit card. The bank is obliged to indicate the UIC in the upper right corner on the first page of the agreement, in the frame above the table containing individual loan conditions. Moreover, the UCS is indicated in the maximum possible font. By the way, about the font. There can be no small print in the contract - this is prohibited. But the memory that such things happened all the time and that the most “delicious” conditions for the bank were prescribed in this way is still alive.

PSK includes not only interest expenses, but also other payments specified in the agreement for obtaining and servicing a loan, for example, various payments to insurers, appraisers and other companies, etc. PSK allows you to compare the conditions offered by different banks. The calculation can and should be done in credit institutions, and the borrower will only have to compare the total values ​​​​of the TIC in order to choose the appropriate bank or loan product. The Bank of Russia quarterly calculates and publishes average market TIC values ​​for various categories of consumer loans. This information can be found on the website of the Bank of Russia. TIC cannot exceed the average market values ​​by more than one third.

Additional imposed services

Check if the contract includes any additional paid services that you can do without: SMS informing, credit card, remote service or notary services. See if you can opt out. The bank should not include services to which you have not given your consent in the cost of the loan.

There may be a clause in the loan agreement that obliges you to insure the collateral, your life or health. Although you are not required to do so, insurance will help mitigate potential risks, such as keeping your mortgaged property if you suddenly lose your job. In this case, the bank may offer you more favorable terms in terms of loan size, term or interest rate. Of course, you can refuse to buy insurance, but then the conditions for the loan will be different. Spells of unscrupulous sales managers that without insurance you will not be approved for a loan are just psychological pressure. Moreover, even if insurance was imposed on you, you can refuse it within 14 calendar days, in which case the money will be returned to you.

Treaty

Compare offers from different banks and choose. All banks have general, standard conditions for a consumer loan agreement. They are always available on the bank's website and in its office. But each contract also includes a set of individual conditions - it is on them that the cost of the loan, terms and amount depend monthly payments. Individual conditions consist of 16 mandatory items and may contain additional items that must be agreed upon by the bank and the borrower. The contract is considered concluded only if the parties have reached agreement on all these points.

When concluding an agreement, pay attention to the payment currency and interest rate, especially carefully check: the payment schedule (size, quantity and frequency), conditions for early payments and termination of the agreement, fines and penalties (they are included in the individual terms of the agreement). Do not rush to sign the contract right away. You have the right to take 5 days and think about the proposal. Compare offers from different lenders and choose the one that suits you.

Nowhere to retreat?

Here you have already chosen and issued a loan. And suddenly it turns out that you overestimated your capabilities, you were suddenly fired from your job, or some other events occurred that negatively affected the size of your income. If 14 days have not yet passed since the date of issuing a non-purpose consumer loan, you can fully return it to the bank by paying interest for the actual time of using the borrowed money.

And if two weeks of using the loan have already expired? First, in no case should you hide from the problem, because it will not go anywhere. Try to negotiate with your lender. The sooner you contact him, the more likely it is that a solution that suits both parties will be found. It can be credit holidays, during which you will pay only interest, restructuring, or an increase in the loan term, which means a decrease in the monthly payment, refinancing, etc.

Restructuring is a change in the terms of an agreement concluded with the same credit institution. The loan term increases, and the amount of the monthly payment decreases accordingly. However, the adoption of an appropriate decision by the bank is its right, not its obligation. In case of improper performance of obligations under the loan agreement, the bank has the right to file a claim with the court.

Refinancing, also called on-lending, involves the conclusion of a new agreement, and the bank can be either the same or different. Its meaning is that you take another loan in order to pay off the previous one (one or even several). Mandatory conditions obtaining a new loan - the absence of open delinquencies, accurate and timely payments on the previous loan (credits), the sufficiency of the level of income to repay the total amount of payments. Ceteris paribus, refinancing is much preferable to restructuring, especially since it does not spoil the borrower's credit history.

And if the borrower is quite solvent, but not too punctual? Previously, due to delays, such customers were subject to huge fines. Now the law limits penalties for late payments on loans. The amount of the penalty on loans issued starting from July 1, 2014 cannot exceed 20% per annum, or 0.1% for each day of default.

Like Our Father...

Nevertheless, I repeat once again: sign a loan agreement only if you are sure that all its conditions are clear to you, if you accurately represent what payments, when and in what amount you will need to make. A loan is a contractual relationship, the parties to which agree to perform certain obligations voluntarily, so the entire responsibility lies with the borrower and the lender. It is important that you understand that you have the funds to fulfill contractual obligations, and also be convinced that you will be able to repay the debt not only now, but also in the future.

And you can take a consumer loan (not to be confused with a loan!) in microfinance organizations, credit consumer cooperatives, agricultural cooperatives and pawnshops. The terms of a loan can be very different from the terms of a loan.

If you still prefer a microfinance company, be sure to make sure that it is listed in the state register of MFIs. It is posted on the website of the Bank of Russia in the "Financial Markets" section. Also pay attention to the special sign in the Yandex search engine: a green circle with a check mark and the inscription "Register of the Central Bank of the Russian Federation". This means that information about this microfinance organization is both in the state register of MFIs and in the register of one of the three operating self-regulatory organizations in the field of financial market. The certificate of registration (copy) must be posted at the office of the MFI and in all places where services are provided, including on the website on the Internet.

Hello, friends!

Statistics show that every year the volume of lending to the population in our country is gaining momentum. I would like to hope that this is not due to the deterioration of the financial situation of most families, but to an increase in overall financial literacy and the ability to meet one's obligations. But who am I kidding?

I continue to make attempts to acquaint the readers of our blog with the basics of finance and economics. How to get a loan is the topic of another article.

Banks offer various loan products for any purpose and budget. How to understand this diversity and choose exactly the offer that will not burden the family budget for decades to come? What is the first thing you should pay attention to when applying for a loan? Read on for answers to these and some other questions.

Loan types

First of all, let's figure out what types of loans you can get today at the bank:

• Consumer credit in cash. Recently, I examined in detail the varieties, conditions for obtaining and important points contracts.
• Car loan. Not all banks allocate a separate loan for the purchase of a car, but still it exists. For example, in VTB, UniCredit Bank, Rusfinance Bank, etc.
• Mortgage. Its share in the structure of lending is growing, and in terms of growth rates, mortgages rank second after car loans (by 24% over the year).

The list of loans is not limited to this range, but these are the main types. In addition, there are:

• Target, i.e. credit money, which must be reported to the bank. For example, for the development of subsidiary farming from Sberbank, for education.
• Non-targeted. This is the same consumer that you can spend on anything.
• On the security of property (apartment, land, car, house, etc.)
• Without collateral and guarantors (a standard package of documents is enough).

Separately, you can get borrowed money, which provide for a simplified procedure for obtaining a passport. For example, without certificates of income, without official employment.

Requirements for the borrower

It is clear that each credit organisation makes its own demands, but in general the following picture emerges:

1. Age ranges from 18 (sometimes 21) to 65 (rarely 70 and above) years. This requirement must be met not only at the time of receipt, but also the repayment of the loan. If at the age of 61 you take out a loan, for example, for 5 years, you will be refused (in the case of an age limit of up to 65 years).
2. Work experience from 3 to 6 months, rarely up to 1 year. This applies to your current job. If you constantly change it, you may get rejected.
3. Russian citizenship. This is a requirement for lending. But there are exceptions. For example, to obtain a mortgage on real estate, the borrower may be a person without Russian citizenship.
4. Some banks require a landline and a mobile phone.
5. Registration and residence in the territory where the bank branch is located. But this is not the case for all credit institutions. For example, Tinkoff Bank everything is done online, without the personal presence of the borrower.

Some banks immediately prescribe the minimum income at which the application will be considered. For example, in Alfa-Bank it is 10,000 rubles.

If we are talking about a secured loan, then requirements are added to the standard requirements, for example, to a guarantor or pledged property.

Documents to receive

Credit organizations strive to attract as many customers as possible, luring them with loyal requirements for a package of documents. There are advertisements where they offer to quickly get a loan on a passport. But we are literate people and we must understand that a reasonable bank is unlikely to take such a risk. Is it a scam then?

No, it's just that all the risks will be included in the interest rate. With your money, you provide the bank with a solid reward for not bothering to collect Required documents.

A loan is received not only for the current needs of individuals, but also for business. For example, when I wrote, I gave a list of documents for entrepreneurs. It differs from the list for individuals.

The list of documents depends on the type of loan received. The simplest list for consumer lending:

• a passport proving your identity;
• documents confirming your income;
• additional documents (for example, driver's license, SNILS, passport, etc.)

The set is much larger if you take a loan secured by property. In this case, documents are added to the list that somehow describe the subject of pledge (certificate of state registration of housing, passport vehicle, property valuation report, etc.) Banks even provide a few months after loan approval so that you can put together a complete set.

What does it take to get a loan for the unemployed? No matter how paradoxical the question sounds, banks are ready to work with such citizens as well. Moreover, this category includes everyone who is not officially registered (for example, freelancers, self-employed workers, individuals working for individual entrepreneurs, etc.). Unfortunately, this is a widespread phenomenon in our country.

Under what conditions do banks lend money to people without official work:

• if you have previously had experience in obtaining and successfully repaying a loan;
• if the client is ready to provide a deposit;
• if it is possible to attract a solvent guarantor;
• if you need to get a small amount for a short time.

Of course, getting a loan for the unemployed is much more difficult. Yes, and lending conditions will be tougher than with documents on income and employment.

Registration procedure

The process of applying for a loan becomes easier every year. All banks have websites, many provide the opportunity to fill out an application online to get approval and only then go for money with a package of documents.

How to correctly approach the issue of design? Before starting the application process:

• Find out what criteria to choose a bank.
• Check how many years the loan has been issued (it is clear that not everyone will have this question).
• Conduct a comparative analysis of lending conditions in different banks.
• Objectively assess your ability to repay the loan not only for the next year, but also in the future.

In my opinion, this is the most difficult and responsible stage. Please do not overestimate your strength and financial capabilities. Not all banks provide a loan deferral in case of problems on your part.

• Analyze the necessary package of documents, on which not only the approval itself, but also the terms of the loan will largely depend.
• Once again return to the 4th paragraph and only then proceed to the registration procedure.

The main stages of obtaining a loan:

1. Filling out an application form, which looks different in banks, but its idea is the same. This is information about you, your work, income, loan received, etc. As already mentioned, you can issue it on the website or visit the bank in person.
2. Banks within a short period of time (from a couple of minutes to a couple of days) make a decision on the preliminary approval of a loan for you.
3. Next, you must collect the necessary set of documents, which can be found on the site.
4. The last stage is a visit to the bank (in the case of Tinkoff Bank, this is the expectation of the courier) to sign the contract and receive money.

Often, credit organizations write that you can get borrowed money in cash (for example, with consumer lending). But in most cases, it means that you are issued debit card to which the money is being transferred. You can easily withdraw cash from it if necessary.

What to pay attention to?

This is a very important section of my article, in which I will pay attention to what you need to know in order to properly apply for a loan. What points need to be clarified before signing a loan agreement? Banks do not always point to them, and sometimes they purposefully ignore them.

Here is my personal list of important points:

1. Insurance. I have repeatedly drawn the attention of my readers to this clause in the contract. Wrote a separate article about. I highly recommend reading. A study of the reviews of loan users showed that it is the inclusion of insurance in the contract that is the problem number 1. And it can be easily avoided.
2. The full cost of the loan. It may differ from the interest rate stated on the advertising poster. In addition to the loan itself and interest on its repayment, the full cost also includes all bank commissions.
3. Points, under "*". It is in them that credit conditions that are not always favorable for you are hidden. A person rarely reads written in small print, banks skillfully use this.
4. Conditions for early repayment. By law, banks do not have the right to apply penalties for early repayment of the loan. But conditions may vary. Therefore, if you are planning to reduce the debt burden, then study them carefully.
5. Repayment scheme. There are annuity (the same amount after the same period of time) and differentiated (different amounts) payments. In the first option, the debt burden is distributed evenly over the entire loan term. In the second, you first repay large amounts, and then they decrease.
6. Preferential terms of crediting. Many banks practice the gradation of borrowers into payroll clients and ordinary ones. Loan terms will vary. Therefore, it makes sense to first look at the bank in which you are served.
7. . Analyze the conditions for obtaining borrowed money on credit cards. They always have a grace period and a revolving line of credit. Maybe this will be enough for you to not pay interest on the loan at all?

Reasons for refusing a loan

Despite the high loyalty of banks to borrowers, they often refuse to issue a loan. Banks are not required to explain the reasons for refusal.

But there are obvious points that you can rule out even before applying:

1. Bad credit history. This is a very important point, which must be approached with all responsibility. It is better in advance to understand why banks may refuse you.
2. Insufficient level of income. Not all banks publish the minimum income limit, so it is sometimes difficult to navigate the right amount.
3. Inappropriate age of the borrower. Too young and old people find it more difficult to get a loan. Please note that at the time of loan repayment, age must also meet the requirements.
4. Frequent job changes. Banks welcome continuous work experience of 3 months or more.
5. Having a criminal record and mental illness. Here, in my opinion, you can do without comments.
6. Untidy appearance, confused speech, excessive nervousness. If you have noticed such sins before yourself, then try to apply online.

Please note that not only a bad credit history can cause a refusal, but also its complete absence. If you have never taken a loan in your life, then you have no history. And for the bank there is no information about you as a reliable payer.

Conclusion

The answer to the question at the beginning of the article, how to get a loan, at first glance, is simple. But this is only at first glance. Any responsible borrower will miss the flood of promotional sweets that banks diligently feed us. This is not for us. We will set aside a couple of hours to find out what credit institutions hid from us, what they did not agree on, and what they embellished. Then we will give ourselves a couple more days to understand if we need a loan at all. After all, this is how we will act, right?

Last update:  03/07/2020

Reading time: 15 min. | Views: 12790

Good afternoon, dear readers of the financial magazine "site"! Today's post is dedicated to a popular topic - consumer lending. We will tell you what a consumer loan is, where and how to get it on favorable terms, in which bank it is really possible to get a consumer loan without income statements and guarantors at a minimum percentage.

From this article, you will learn:

• What is called a consumer loan and what are its pros and cons;
• What are the forms and types of consumer loans;
• What stages must be passed in order to receive money for consumer needs;
• In which bank is it better to take a consumer loan with a minimum interest rate;
• Where loans are issued without certificates and guarantors;
• How to make the necessary calculations.

You will also find information about on-lending (refinancing) of consumer loans and answers to frequently asked questions.

The article will be of interest to those who want to take a loan with maximum benefit and comfort. Moreover, the presented publication will be useful to read for everyone who is interested in finance, including personal.

Rank	Compare	Pick up time	Maximum amount	Minimum amount	Age limitation	Possible dates
1		3 min.	30 000 rub.	100 rub.	18-65	7-21 days
2		3 min.	70 000 rub.	2 000 rub.	21-70	10-168 days
3		1 minute.	80 000 rub.	1 500 rub.	18-75	5-126 days
4		4 min.	30 000 rub.	2 000 rub.	18-75	7-30 days
5		-	70 000 rub.	4 000 rub.	18-65	24-140 days
6		5 minutes.	15 000 rub.	2 000 rub.	20-65	5-30 days

By the way, Better conditions Loans offered by the following companies:

Rank	Compare	Pick up time	Maximum amount	Minimum amount	Age limitation	Possible dates
1		3 min.	30 000 rub.	100 rub.	18-65	7-21 days
2		3 min.	70 000 rub.	2 000 rub.	21-70	10-168 days
3		1 minute.	80 000 rub.	1 500 rub.	18-75	5-126 days
4		4 min.	30 000 rub.	2 000 rub.	18-75	7-30 days
5		5 minutes.	15 000 rub.	2 000 rub.	20-65	5-30 days

Now back to the topic of our article and continue.

What is a consumer loan and how to get it, in which bank you can get a consumer loan in cash without income statements and guarantors - read on about this and more

Today man is surrounded by offers of credit. Calls for a loan are pouring in from everywhere: from TV and newspapers, from advertising posters, from Internet mailing lists. At the same time, not everyone understands what consumer loans .

Meanwhile, exactly customer credit today is one of the most promising services on banking market. For the client, the convenience of such a loan lies in the ability to use the money received as he wants.

As for the definition, consumer credit is a loan, which is provided by a credit institution (bank) to an individual to meet their own needs. Directions for spending the funds received may be different, for example payment for any goods or services.

Basic feature consumer credit is no need to confirm the direction of spending borrowed funds . Even in cases where the bank asks to indicate the purpose of borrowing in the application, no one will check this information.

Moreover, for a consumer loan, the registration procedure simpler than for other types of borrowing. Need to provide much smaller list of documents, and it will take a little time to receive money.

Basic purpose such lending is growth of consumer opportunities. Therefore, you can get a loan for consumer purposes not only in bank, but also in stores. At the same time, today such a service is provided even online shopping in online mode.

2. Advantages and disadvantages of consumer loans 🔔

Like any other financial service, consumer credit has a number of advantages and disadvantages . Before deciding to apply for a loan of this format, any citizen should carefully read them.

2.1. Benefits (+ ) consumer credit

Benefits of a consumer loan include:

1. Possibility of using funds at the discretion of the borrower is the main advantage.
2. There is no need to provide collateral and guarantors. In the course of the struggle for each client, banks are constantly simplifying the procedure for obtaining consumer loans. The package of documents for obtaining such a loan is minimal, often only a passport is needed.
3. Minimum time costs. Due to providing a minimum of information, banks issue consumer loans very quickly. The whole procedure usually takes several hours. Sometimes you need to wait two or three days.

When issuing a consumer loan, a simplified verification of borrowers is carried out. Banks are developing special schemes for accelerated solvency analysis, so there are more and more offers to issue express loan . In this case, you can receive money within a few minutes after submitting an application.

Despite a fairly large number of advantages, consumer lending also has a number of disadvantages.

2.2. Disadvantages (− ) of consumer credit

Among the minuses can be identified:

1. Pretty high percentage. Quick issuance, as well as a minimum package of documents, lead to the fact that the risk of non-return of funds increases significantly. To protect themselves, banks usually install under similar programs high interest rate.
2. No way to get big sum of money. Typically, the maximum amount of a consumer loan is limited to two hundred thousand rubles. In very rare cases, it can reach 1,5 million.
3. There may be commissions. The borrower should remember that when applying for a loan, it is important to carefully study the agreement. The presence of various commissions leads to a significant increase in the cost of the loan. Moreover, banks often require the borrower to take out some kind of insurance, for example life, health or from no return. Naturally, even with early repayment of the debt insurance premiums are not returned.

Thus, consumer loans have both virtues, and shortcomings. Before signing a loan agreement, you should carefully study them, weighing all the pros and cons.

If you treat the loan application with maximum responsibility and seriousness, you can avoid a lot of trouble in the future.

3. Types and forms of consumer credit 💸📑

Today, there are offers on the market for various consumer loans. They can be classified using various features.

There are the following forms of consumer lending:

1. personal loan- the borrowing option that is familiar to everyone, when an application is made, and after its consideration, money is issued;
2. credit cards- design of a separate bank card on which you can spend money by borrowing it;
3. overdraft- possibility to use cash in an amount exceeding the amount available on the account;
4. installment plan Installment purchase is usually used for high-value goods.

As for comparing types of consumer loans, this is easiest to do using the table:

Type of consumer loan	Place of registration	Other Distinguishing Features
For urgent needs	bank branch	1. Often need insurance 2. Lower interest
Commodity credit	Stores and other points of sale	1. Quick review within minutes 2. High interest rates 3. Often the application is also a contract
Credit card	At the bank office or online	1. Simplified borrower analysis 2. Availability of an interest-free period 3. Possibility of automatic extension of the contract
Express loan	At a bank branch	1. The smallest amount 2. the shortest term 3. Simplified consideration of the application 4. High stake

Thus, the modern borrower has a huge number of consumer lending options.

To select the optimal loan, you should evaluate the conditions for each specific case.

The procedure for applying for a consumer loan

4. How to get a consumer loan - 7 main stages of obtaining a loan for consumer needs 📝

Those who decide to apply for a consumer loan should not forget that by signing the contract, the borrower assumes the obligation to pay the loan. But signing an agreement - this is one of the final stages of receiving money, it is preceded by a few simple steps.

Since for many the procedure for applying for a loan looks complicated and incomprehensible, we decided to tell in detail what stages it consists of.

Stage 1. Choice of a credit institution

When choosing a bank, you should pay attention to how long it has been operating on the market. Those institutions that have managed to withstand significant competition for many years cause confidence . They certainly have sufficient stability.

Often, less popular credit institutions, in order to attract the attention of customers, offer more low interest rates. In dealing with such institutions, one should be extremely attentive.

Often, a decrease in the interest rate is offset by a significant number of additional payments and commissions. Moreover, there is a risk of contacting scammers.

Stage 2. Selection of suitable conditions

Within one credit institution, several programs for obtaining a loan may be offered. Comparing them, one should not get hung up on the interest rate, because its minimum size is not a guarantee of a cheaper loan.

It would be more correct for comparison to take into account the full cost of the loan, which includes, in addition to interest on the use of funds:

• commissions for depositing funds;
• insurance premiums;
• commission for early repayment;
• other payments stipulated by the lending program.

Stage 3. Applying

To reduce time costs at this stage, it is advisable to use the possibility of registration preliminary application . Approval on it cannot guarantee the receipt of funds, since the final decision is made only after the provision full package of documents. At the same time, refusal will help save time and effort.

Most banks offer to make a preliminary application in three ways:

1. At a bank branch the employee will tell you about the terms of the loan, tell you what documents will be needed. Moreover, if you wish, you can immediately go through a preliminary survey. Some banks fundamentally do not lend to certain categories of citizens; you can also immediately clarify whether it is possible to issue the required amount. The inconvenience of this method lies in the need to spend time visiting the bank, waiting in lines.
2. In the shop. Often in outlets there are bank employees. They can print out a questionnaire and a list of documents, consult on the terms of the loan. However, often credit consultants in stores are poorly versed in all banking products, since they focus on commodity loans.
3. In online mode. This option is the most optimal. There is no need to leave your home to submit a pre-application. You can do this at any time by visiting the website of the credit institution of interest.

In any case, within a specified period of time, the borrower will be issued a preliminary decision on his application. If the answer is yes, you can move on.

Stage 4. Preparation of a package of documents

The package of necessary documents is largely determined by the amount of the loan. If it is small, most likely, the bank will require only the passport And second document .

It may also be required income statement And copy work book which are issued through the employer.

If a potential borrower claims a fairly large amount of money, the package of documents may be imposing.

Stage 5. Making the final application and communicating with a bank employee

When the entire package of documents is collected, you can go to the nearest office of a credit institution. Here to be done final application and talk to a loan officer.

It is at this stage that the final discussion of all credit conditions takes place. The borrower should remember that if there is a misunderstanding, it should be resolved at this point. After the contract is signed and the loan is issued, nothing can be fixed.

Stage 6. Signing the contract

If the borrower signs the contract, it is considered that he agrees with all the conditions specified in it. That's why important carefully study the text of the agreement before signing it.

Do not forget that if the terms of the loan agreement are not met, the reputation of the borrower may be damaged.

Stage 7. Receipt of funds

The form of receiving funds is determined by the terms of the loan agreement. Most often, money is given in cash through the cash desk of the bank or by transfer to the card.

Recently, some banks have begun to offer the service of an employee's departure home or to the office of the borrower.

Thus, there is nothing complicated in the procedure for obtaining a consumer loan. It is important to consistently go through the seven stages, observing the necessary rules.

5. In which bank is it better to take a consumer loan - the rating of TOP-5 banks in Moscow with a low interest rate 📊

When applying for a consumer loan, it is important to take the choice of a bank as seriously as possible. Don't forget that we will have to cooperate with this organization for quite a long period of time.

The best way- banks that lend to the population for more than one year. This allows you to judge not only their popularity, but also reliability.

There are a huge number of offers from various credit organizations on the market. It is almost impossible to compare them all. That is why we have given a rating of the best banks operating in Moscow and other cities of Russia, in which conditions the most profitable.

No. 1. Sberbank

Sberbank of Russia – has consistently remained the most popular credit institution in our country. As part of a non-targeted loan, you can get here before one and a half million rubles. The interest on such loans is 14,9 per annum, which is lower than in many other credit institutions.

Moreover, for those who receive wages on Sberbank cards (and there are a lot of such people) Here the interest rate is reduced.

The maximum period for which a loan will be issued is five years. The application is considered up to two business days.

No. 2. VTB

You can get a maximum consumer loan at VTB on the 3 million rubles up to 60 months. The interest rate will then be 16,9 %.

There are various conditions that allow you to make a loan more profitable. So, if you want to lower the interest rate in the bank, you can insure life and health.

Also, citizens who receive wages on VTB Bank cards can count on better lending conditions.

No. 3. Svyaz-Bank

Svyaz-Bank specialists have developed a large number of different programs for lending to citizens.

You can apply for a non-purpose loan here under 15,5 % per annum for up to 60 months. In this case, you can receive money in the amount before 750 thousand rubles.

No. 4. Citibank

To apply for a consumer loan, it is enough to provide two documents here - the passport And certificate of income . At the same time, the interest rate at Citibank is at a very low level - only 15 %.

True, borrowers are presented with enough serious demands. In addition to being a citizen of the Russian Federation, a permanent monthly income to apply for a loan must be not less 30,000 rubles. If the client meets the above requirements, he can receive before two million rubles.

No. 5. Renaissance Credit

Here you can get a loan with an interest rate 15,9 % per annum. In this case, the maximum period is 5 years.

You can apply for the amount from 30 before 500 thousand rubles. You will not have to wait long for an answer - the decision will be made on the same day.

Thus, get a loan at the lowest interest rate is quite real . It is enough to know which credit organization to apply to, as well as comply with its requirements for borrowers.

There is a separate article on our website about mortgage, in which we wrote about how and.

6. Which bank has the lowest interest on a consumer loan in 2020? 📋

Most citizens, when choosing a bank for obtaining a consumer loan, first of all pay attention to the proposed interest rate . Experts consider this approach correct, because the cost of servicing the loan will depend on this indicator.

When looking for a minimum percentage, it is important to consider that its size is largely determined by the status of the client in relation to the bank, as well as the number of documents provided.

Respectively, the more fully proven solvency, the lower the rate you can count on. That is why when applying for a loan on one or two documents, it is hardly necessary to count on a small rate.

First of all, it is worth considering the conditions at the bank serving your salary card . It is to these categories of customers that credit organizations usually reduce the rate. So, Sberbank upon receipt of a salary on his card, he agrees to issue a loan in an amount up to three hundred thousand rubles under 13,9 % per annum.

You can also count on lowering the interest rate in those banks where the loan has already been successfully repaid earlier. Such borrowers are more trusted by credit organizations.

As for specific banks with a minimum interest rate * , We advise you to pay attention to the following ones:

• if the purpose of the loan is education fees, it is best to contact Sberbank. There is a special target program, where the rate is from 7,5 %;
• pensioners can safely go to Sovcombank where you can get up to one hundred thousand rubles under 12 % per annum (we wrote about on favorable terms earlier);
• Rosbank offers the best conditions 13,5 % those who work in the budget sector will need a guarantor to apply for a loan;
• property owners can contact the bank Premier Credit where, in the presence of collateral, they are ready to issue a loan under 14 %;
• Eastern Express Bank ready to take out a loan up to fifty thousand on 15 %;
• if you want to receive a large amount (up to million rubles) for a long time (up to 15 years) should be contacted Moscow Credit Bank , where the annual rate starts from 15 %.

* Check the relevance of interest rates on loans on the official websites of credit organizations.

Where and how a consumer loan is calculated - possible calculation options: an online calculator on the bank's website or a direct appeal to the office of a credit institution

7. Consumer loan calculation - 2 easy ways to calculate consumer credit 📌

Even when choosing a lending program, there is often a desire calculate consumer credit parameters - the amount of payment, overpayment, etc. You can do this in two main ways: by contacting the nearest branch of the bank or by visiting its website on the Internet.

Method 1. Visiting the office of a credit organization, the future borrower can find out all the parameters of lending in a personal conversation with a loan officer.

However, in a visit to the office lie disadvantages (−). You will have to spend your personal time visiting the bank and waiting in line. This time will be lost in vain if the credit conditions of the client are not satisfied.

Method 2. Loan calculation through online loan calculator is more optimal. In this case, it is enough to have a computer or any other gadget with Internet access (leave your home or office will not need) .

Question 2. How to apply for a consumer loan with Sberbank online?

Recently, more and more people are taking advantage of the opportunity to apply for a loan in online mode . This service allows you to avoid standing in lines, thereby saving time. At the same time, an application can be made on the bank's website at any convenient time, without leaving your home or office.

Those who decide to apply for a consumer loan at Sberbank should remember that this credit institution presents serious requirements for its borrowers. In addition to credit history will also be taken into account level and stability income . That is why you should not waste time visiting the office, it is better to immediately place a preliminary application online on the bank's website.

Click on the "Loans" section, follow the link "Get a loan from Sberbank", prepare the documents and fill out the form

The entire application process will take no more than a quarter of an hour. At the same time, in a convenient service, you can not only choose the best loan option, but also evaluate your financial capabilities.

The fact is that after the introduction of the term and amount of the proposed loan, the payment is immediately calculated, as well as the overpayment.

Citizens who meet the following criteria can apply for a loan at Sberbank:

• age - not less than 21 year, but no more 65 years on the day of full cancellation;
• continuous work experience of at least one year;
• work experience in last job at least 6 months.

Should be remembered that for those who receive wages on a Sberbank card, the requirements are relaxed. In the last place, it is enough to work for 3 months, and the continuous experience must be at least six months.

To apply, you need to select a loan program and read its terms and conditions. After that, a questionnaire is filled out. When specifying a period, please note that it cannot exceed five years.

After filling out the questionnaire, send it to the bank by clicking the appropriate button. The review period is from 2 hours before 2 days. The answer to the applicant will be communicated by telephone or e-mail.

If the decision is positive, to complete the loan processing procedure, it remains to visit the bank's office with the necessary documents. Traditionally, they are passport and proof of income. Most often for employees, this is a certificate of wages from the place of work.

Thus, applying for a loan at Sberbank via the Internet greatly simplifies the procedure for applying for a loan. You do not have to waste time and once again stand in lines. If you were denied a loan at a bank, then you can most likely take it without refusal in one of the microfinance organizations (MFIs).

Question 3. How to get a consumer loan for individual entrepreneurs?

(individual entrepreneurship), unfortunately, does not exclude the need to obtain borrowed funds. Rather the opposite - the need for them is increasing, because individual entrepreneurs need to provide not only personal needs, but also their business. At the same time, obtaining even an elementary loan for an entrepreneur is often very difficult. is different from registration for a hired worker.

The biggest problem for individual entrepreneurs is that it can be difficult for them to confirm income. Moreover, making a profit while doing business not guaranteed. At the same time, banks are wary of potential borrowers whose income is uncertain.

Ways to get a loan for consumer needs of an individual entrepreneur (individual entrepreneur)

The way out of this situation for an entrepreneur can be express loan processing . In this case, the credit institution does not carry out a thorough check of the borrower, it may not even know that the applicant is self-employed.

From the documents you need only the passport And second document (and you can choose it from a large list), documenting income will not need .

When applying for a fast bank, most often they pay attention only to the fact that there is a permanent residence permit, and there is also no negative credit history.

However, express loans have significant disadvantages. This is a high interest rate and a small loan amount. Usually it will not be possible to take more than thirty thousand rubles, and the interest rate can reach 50 % in year.

Do not forget about the purpose of lending. If an entrepreneur needs to make a large purchase, you can apply for a commodity loan directly in shop . It also does not conduct a thorough check of the borrower. The bank makes a decision quickly, which means that it will not have time to understand that the buyer is registered as an individual entrepreneur.

If you need cash in cash, and the amount you need is large enough, you will have to try to get a consumer loan traditional way . At the same time, it is important to honestly indicate in the questionnaire that the type of activity of the applicant - entrepreneurship.

It is important not to name in any case as the purpose of borrowing business development . In this case, it is almost certain that refusal. It is better to write a version closer to the consumer - vacation, repairs, etc.

In this case, most likely, you will have to provide a declaration. Here comes another complication - Most entrepreneurs deliberately underestimate their income in order to pay as little taxes as possible. It is unlikely that a bank will lend to an individual entrepreneur whose confirmed income is very small.

With adequate profit in the declaration, the entrepreneur can count on a loan in the amount of about 15 0 thousand rubles. At the same time, the interest rate for IP becomes not much lower. It often reaches 25 %.

If you want to get a more adequate loan rate, you will have to provide pledge or guarantee . In the first case, any property registered to a citizen as a individual. (It could be a car or an apartment).

If it is decided to provide a guarantor, it should be noted that the same entrepreneur will not work here. (You will have to find a citizen who is employed and can provide a salary certificate from the employer).

Thus, it is much more difficult to issue than for an employee. Nevertheless, nothing is impossible. You just have to put in a little more effort.

By the way, for the purchase of vehicles or equipment for business, IP can use the service. We have already talked about the conditions in one of the previous issues.

Question 4. How to get a consumer loan for 5-7-10-15 years and are there any peculiarities in applying for a long-term loan?

Long-term consumer loans do not have fundamental differences in execution from those taken for several months. Most often, such loans are issued under certain goals.

Due to the high demand for long-term loans, today they can be issued in many banks. It should be noted that interest rates in different credit institutions may differ significantly.

It should be taken into account that The longer the loan term, the higher the rate will be. Yes, loans 5 years are issued on average under 15 % per year, per 10 years - under 20 % per annum, etc. In some banks, long-term loans are issued at a rate 50 %. Therefore, in order not to be unpleasantly surprised, it is important to study all the conditions of the loan BEFORE moment of application.

It is quite natural that long-term loans are provided only if there is an extensive package of documents.

Traditionally, you can get such a loan by providing:

• Russian passport with a stamp about the place of permanent registration;
• second document at the choice of the borrower (driver's license, SNILS, TIN or other);
• salary certificate in the form of 2-NDFL or on the letterhead of the bank itself.

Additional documents depend on the terms of the loan and are different for each specific case. As proof of employment, many banks require copy of work book certified by the employer.

Even in cases where the loan does not provide for collateral, some credit organizations require the submission of documents for property owned by the applicant (usually car or apartment). In this case, the increase a chance at positive decision , as confirmation of the solvency of the borrower appears. This means that from the bank's point of view, the risk of non-repayment of funds is reduced.

Should be understood that for a bank, long-term loans are always associated with high risk. The credit institution takes into account the fact that over such a long time the solvency of the borrower may change - it may fire or is he serious get sick. In such situations, the property acts as an additional guarantor, because in the event of an irreparable situation, the debtor will be able to sell it.

Note! Contrary to popular belief, it is not at all necessary to provide a certificate of income to obtain a long-term loan. However, it will be much easier to get a positive decision with it.

On the 5th term lending to most major banks. Find those that provide loans for 7 years is more difficult. On the 10 years and more, consumer loans are issued even less frequently. Sometimes they can be issued if an expensive one is indicated as a goal. repair or buying a car.

To apply for a long-term loan, you need to take several consecutive steps:

1. Application form. There are several options. You can apply directly to the bank office, fill out a questionnaire, transfer the necessary documents to a loan officer. Also, most modern banks offer to issue online application without visiting the branch directly on the website of the credit institution. Sometimes this requires you to download scan or quality photo of documents. In this case, the application is directly sent to the review department.
2. Consideration of the application. After filling out the application, the bank analyzes the data provided by the borrower. The longer the planned loan term, the more serious the check will be. Most banks check credit history by requesting relevant information from BKI(credit bureau). Some credit institutions make decisions quickly - within a day. However, usually with long-term lending, the applicant is given an answer no earlier than two days later. By the way, you can find out about that in one of our articles.
3. The conclusion of the contract. If, upon application, the bank accepted positive decision, you will need to sign a contract. Before signing it, it is important to carefully read all the clauses of the agreement, especially those parts that are printed small print. It is here that information about hidden fees is usually contained.
4. Receiving the money. Depending on the terms of the loan, funds can be issued in cash through the cashier or transferred to a bank card.

When the funds are received, it remains to service the loan with high quality, that is, to make monthly payments on time. If this is not done, the bank may charge fines, penalties and forfeits, which means that the total cost of the loan will increase.

Question 5. How to get a consumer loan at a minimum interest rate?

When trying to get a loan, any prudent person seeks to get it under the minimum bid . Many believe that it is impossible to influence the percentage. However, there are a number of rules, compliance with which allows you to achieve a reduction in the rate when obtaining a loan.

If you plan to purchase goods on credit, before submitting an application to the bank, you should check with the store employees about the possibility installments. In fact, it is issued as a discount from the price of goods by the amount of interest. For the client it looks like interest-free loan , which is naturally very profitable.

Ways to get a consumer cash loan at a minimum percentage

There are several ways to reduce the interest rate even if you want to get a loan. in cash means.

There are several options in this case:

1. First of all, you should start by comparing the terms of lending in different banks. At the same time, it should be remembered that most often the best conditions are in the credit institution where wages are transferred. Therefore, it makes sense to start with this bank, having studied the individual conditions for payroll workers. It is also worth paying attention to the various rate cut promotions that banks spend on the eve of various holidays. For some categories of citizens (budget workers, pensioners), minimum rates are offered at certain credit institutions. This is also worth knowing in advance.
2. The second option for lowering the interest rate is to collect as complete a package of documents as possible. For loans, for the issuance of which only a passport is required, the interest rate is quite high. It is better to spend a little time preparing a salary certificate, a copy of the work book. In this case, the percentage will be less. You can reduce the rate even more by bringing various documents with you to the bank branch, confirming the existence of property(real estate or car). In addition, you can attract a guarantor who has a stable income.
3. When calculating the parameters of the loan, you should choose such conditions under which the payment for the applicant will be feasible. In this case, the period should be minimal. This is due to the fact that the shorter the repayment period, the lower the interest rate.

Thus, if you want to get a consumer loan for a significant amount, it is important to use all the chances to minimize the cost of servicing it.

One of the main parameters that can significantly reduce costs is interest rate. Using the tips above, you can save significant amounts.

Question 6. Unsecured consumer loan - what does it mean?

Not everyone knows what a consumer loan without collateral is, and what are its features. At the same time, if necessary, borrowed funds to select the best program understanding the differences between the various schemes is essential.

Unsecured loan is a loan for various consumer purposes, the registration of which does not require the provision of property as collateral, as well as the invitation of guarantors.

This option is ideal in cases where it is important to get borrowed funds as quickly and without unnecessary difficulties.

Unsecured loans include the following options:

• a cash loan or a transfer to an account through a credit institution;
• loans for the purchase of various goods, issued in stores;

Before trying to get an unsecured loan, it is important to understand what requirements banks place on potential borrowers in such situations. The main ones are the following:

1. age from 23 to 55 years , less often, banks allow loans to persons over 18, as well as under 70;
2. the presence of permanent registration (propiska) , it is almost impossible to get a temporary loan, most often registration should be in the region where there is a bank branch;
3. the total length of service should most often be at least 12 months , in last place at the same time - at least six months;
4. to confirm solvency, the borrower must provide at least some documents. Therefore, if you want to get a loan, you need permanent income statement ;
5. men of military age - up to 27 years old will need to submit to the bank military ID ;
6. many banks require availability of a contact landline phone - work, home or friends and acquaintances.

For borrowers who do not have enough income to apply for a loan, many credit organizations offer the opportunity to attract as a co-borrower spouses. It should be understood that they must also meet all of the above requirements.

Very rarely, for issuing a loan without collateral, banks require a minimum package of documents - a passport. Most often, you will additionally need:

• a second identity document;
• a copy of the labor;
• confirmation of income - a certificate in the form of a bank, 2-personal income tax or from the FIU, an extract from any bank (including card) account.

It is important to pay close attention to the terms of the loan. One of the most important factors is consumer loan interest rate . It is usually calculated individually depending on various data provided by the borrower.

However, there are options to lower the rate even when applying for a loan without collateral:

1. applying for a loan at a bank where you receive wages;
2. high-quality credit history;
3. Registration of life insurance, as well as diseases that entail disability.

Among other important conditions of unsecured lending are – borrowing amount . It usually starts from 15 000 rub., the maximum reaches the interval from 0.5 million up to 1.5 million rubles The term most often reaches five years, less often seven.

For those who wish to apply for a loan without collateral for quite a large sum, it should be noted that the credit institution will take seriously the verification of all data provided by the applicant.

Often, after the assessment, banks still require the provision of more serious confirmation of the ability to make payments. In this case, the security can be informal. That is, it is enough to confirm the availability of property, as well as the support of serious persons, but pledge agreements and guarantees will not be drawn up.

In addition to all the parameters listed above, it would be useful to also study the advantages and disadvantages of unsecured loans. Among the pluses (+) can be called:

• fast clearance;
• there is no need for a guarantor's squeak, as well as the provision of collateral;
• minimum required documents;
• possibility of misappropriation of funds.

Cons (-) unsecured loan are:

• high rate;
• short term;
• lower than in cases with the provision of security amount.

Thus, it is quite possible to get an unsecured loan. However, in this case, you should take its conditions as seriously as possible, since they usually less profitable than with collateral.

Question 7. What is the maximum term of a consumer loan?

When applying for a consumer loan, many are wondering what is the maximum period for which it can be obtained. This parameter is important because the length of the repayment period has a direct impact on the size of the monthly payment.

The longer the term, the smaller the amount you have to pay. In this case, of course, the overpayment will be more significant. But the borrower will be able to count on a large loan amount with his income.

In this regard, it is important to know for what maximum period you can get a consumer loan. The payment period depends on various factors.

What determines the maximum loan term for a consumer loan - important factors

First of all, the loan term is determined by its purpose. So, a loan, a loan issued for tuition fees, usually issued a maximum of 6 years. If the purpose of the loan is holiday travel reimbursement, it is unlikely to be given more than 12 months. In these cases, the loan term is not too long, so it will be enough to obtain borrowed funds passports And income statements .

Today it is quite possible to issue a consumer loan for a longer period. He can reach one or two decades. But in this case you need provide valuable property as collateral. It can be real estate, for example, land plot or an apartment, as well as a car. Read about the conditions for obtaining a car in a separate article.

Should be understood that in case of non-payment of a loan for which a pledge is issued, the bank has the right to sell the relevant property in order to return the funds issued. Therefore, do not rush to issue loans for such a long period. It's better to think again assess your financial capabilities before taking on such risks.

However, for long-term consumer loans - 10 years and more, there plus. This minimum payment . In other words, the longer the term, the more likely it is that the income of a potential borrower will be enough to make a monthly payment.

Many people are not serious about choosing a loan term, but this is one of the most important parameters.

Depending on the period, they distinguish:

• short-term loans - up to a year;
• medium-term - one to three years;
• long-term - for a period of more than three years.

Choosing the last of these three categories, it is worth approaching the analysis as responsibly as possible. Don't forget that the longer the term, the higher the amount of the overpayment will be.

10. Conclusion + related video 🎥

In this publication, we have tried to tell as much as possible about consumer lending. We talked not only about what it is, but also what Benefits And limitations this type of borrowing. We also tried to suggest how and where you can arrange it profitably.

That's all we have.

We wish you good luck in financial matters! When deciding to get the necessary funds on credit, remember that it can help overcome temporary difficulties. However, with the wrong attitude to the loan, you can further exacerbate your problems.

Try to assess your capabilities as carefully as possible, then there will be no difficulties!

Dear readers of the RichPro.ru magazine, we will be very grateful if you rate the article and leave your comments on the topic of the publication below!

Almost every one of us at different periods of our lives are forced to take bank loans to meet our consumer needs. At the same time, getting a loan from a bank is quite simple, for this you just need to prepare a salary certificate and a passport, then leave an application and sign a loan agreement. But not for everyone, loan obligations become an unbearable burden, and this happens directly through the fault of the borrower. It follows that you need to take a loan correctly, consider how to do it.

To take or not to take

First of all, determine correctly whether you should take a loan, or you can do without it. After all, sometimes a borrower takes a loan for consumer needs, but in practice there is no urgent need for this. In addition, when applying for a loan, rarely does anyone think that paying off obligations can be a rather heavy burden. Therefore, the first thing to do is to think carefully about whether it is worth taking a loan from a bank.

If you want to take out a loan for consumer needs, for example, for a purchase, first calculate how much you can buy this or that thing if you postpone the monthly expected payment on a bank loan.

Of course, if you take out a mortgage, then here the potential borrower is forced to apply to the bank, because it is quite difficult to save up to buy a home. However, before contacting the bank it is worth considering exactly what you want and how you will pay your mortgage. Therefore, choose accommodation in the price range that you can afford in financial plan.

Bank selection

Next, you need to decide on the bank in which you would like to take a loan. Currently, there are quite a lot of commercial banks in our country that offer their customers all types of loans on a variety of conditions. But here you need to carefully consider the conditions of each bank in order to make the right choice, what to look for:

• list of documents and requirements for the borrower: the higher the requirements, the lower the rate, so if you want to get profitable loan, wait a little with registration and collect the maximum number of certificates and documents;
• interest rate - you can see this information on the bank's website, just keep in mind that this is only a base rate, which can be increased depending on several factors: loan term, insurance, borrower's income;
• loan term - the shorter the term, the lower the total overpayment rate on the loan, but the higher the monthly payment.

So, how to get a loan from a bank? To get started, carefully study the market for banking offers. Then determine for yourself the amount that you can easily give to the bank to pay off the loan, without compromising your budget. Then you can use the loan calculator on the websites of those banks where you would like to take out a loan.

Please note that on loan calculator you can calculate only the preliminary amount of the loan, only a bank employee can provide you with an accurate calculation after considering your application.

Compiling an application

The decision of the bank largely depends on how correctly the borrower made the application. To begin with, it is worth determining how it is better to send an application: to a bank branch or on the official website. The decision, of course, must be made by the borrower, but here you need to take into account that if you leave an application online, the bank gives only a preliminary answer, in order to get the final decision you need to come to the branch in person and provide all your documents.

So, how to fill out an application for a loan. The loan application forms are quite simple, and you should not have any difficulties filling it out. Be sure to enter all your data correctly, also indicate the place of work, the name of the organization and the position. Pay special attention to income, you need to indicate the average monthly value. Here, some potential borrowers may encounter such a problem as to what amount to indicate if you receive a “gray” salary. Indicate the salary that you actually receive, then take a certificate of wages in the form of 2-NDFL and in the form of a bank at the place of employment. The second document is compiled by the accountant of the organization, the employer of the borrower and reflects the real income of the employee.

In general, it is worth writing only reliable data in the application, because the bank checks all of them. If you have loans, then be sure to indicate this in the questionnaire, because the amount of the loan, which is determined by the lender on an individual basis, largely depends on this. In addition, the bank takes into account the total income of the family, so indicate what budget your family has on a monthly basis.

Please note that the bank may require additional references to the standard list of documents.

Let's summarize how to get a loan correctly. For a start, do not abuse money loans take them consciously and wisely. After all, most debtors become such for the reason that the availability of loans encourages them to issue them even without special need. The second advice is to take the amount that you really need, but no more, and also do not take more loans until you have completely paid off the bank.

Particular attention should be paid to credit cards, because many draw up this banking product without fully understanding how to use it. Firstly, a credit card is beneficial only in that you can not pay interest to the bank if you pay the debt before the end grace period. Secondly, the card is beneficial only for paying for goods and services, it is expensive to withdraw cash. You can really use a credit card as a spare wallet, in case there is not enough money from paycheck to paycheck, or for unforeseen expenses.

And, finally, it is necessary to take into account that correct credit- this is one for which payments do not become an unbearable burden, so arrange it in such a way that payments are as financially comfortable as possible for you. And to find the best offer, leave several applications in different banks, then you will only have the most acceptable offer.

Not many people can live on their own income. The modern world offers quite a lot of temptations, often creating an artificial need for things. It would seem that there is a good warm house, but the manufacturers offer to make modern repairs, there mobile phone, but a new product came out with a large set of, sometimes unnecessary, functions.

Society requires constant renewal and compliance, so people begin to buy things, fashionable clothes, equipment, and so on. Many do it with their own money, but the level of income often does not allow large expenses. In this case, people begin to think about lending - where and what kind of loan to take?

Under the slogan “buy now, pay later”, banks give out huge sums for various needs of customers. Every year these needs are growing, as well as their cost. You can now take out a loan for almost everything: from an apartment to new shoes. With a stable income, paying obligations is not difficult, but as soon as your salary is delayed or you go on sick leave, the debt begins to snowball. Getting out of the debt hole is difficult and long, but for some it becomes completely beyond the power.

Credit can be issued for various purposes. Depending on this, banks offer loans:

• Target- are issued for the purchase of a certain thing or service. This includes mortgages, car loans, student loans. After purchasing the goods, the borrower is obliged to report on the amount spent.
• General purpose loans. These are ordinary consumer loans, the purpose of which is not important for the bank. In this case, the borrower is given money with certain conditions for repayment, and how he spends it is his business.

Consider the most common purposes for which people take loans:

• Real estate. A real estate loan is called a mortgage. This is one of the most difficult types of loans because it involves large amounts, long terms and collateral. Owning a home is the dream of every person, but the incomes of most of the population are low, and it is almost impossible to save up for housing. In addition, huge inflation devalues ​​savings. A mortgage allows you to live in your own apartment/house and pay for a certain period of time. After paying off the loan, the property becomes the property.
• Automobile. A car is not a luxury, but a means of transportation that has become affordable for many people. As in the case of a mortgage, at the time of applying for a car loan, the client can defer payment for it, but already drive his car. Car loans are medium-term loans for a period of 5 years or more.
• Education. It has become difficult to get a higher education for free now. Universities limit the number of budget places, so students have to pay for their education. To do this, banks offer student loans. They give out periodic tranches every year. During the training, the borrower can pay only interest, and after graduation - pay full payments. The pitfall here is that there is a large overpayment of interest, and the probability of finding a well-paid job immediately after training is small.
• Consumer goals. Unlike previous types, when money is transferred to the account of organizations, these loans are issued in cash to the client, and he uses the money at his own discretion. Consumer goals can be very diverse: buying things, repairing, paying for services, and so on.
• Loan for equipment. Such loans are issued in retail outlets. For example, a customer wants to buy a laptop, but he does not have any money with him. The loan officer issues him a loan or installment plan for the selected product and within half an hour the satisfied buyer goes home with the desired purchase. The terms of such loans are short - usually up to a year, and the rates here will be high (up to 70% per annum). At checkout, you can pay part of the amount in cash, and the rest can be issued on credit. More details can be read.
• Holiday loan. Travel agencies often offer to issue a ticket on credit in order to provide the client with a more comfortable stay. For example, a client has an amount for a holiday in Egypt in a three-star hotel, and he was offered a holiday in the Maldives in a more famous hotel with all services included. Since there is not enough money, the travel agency offers to arrange a ticket in installments or a loan for several months.
• Significant events. Weddings, anniversaries, funerals - these are all events that happen in the life of every person. It is customary to celebrate them on a special scale, so that "no worse than people's." So, the newlyweds take a loan for the wedding, and then repay it with the gifts of the guests.

Where to get a loan - everything is simple here: Basically, a bank issues a loan for various purposes. You can go there

Basic conditions for issuing certain types of credit.

Terms	Mortgage	car loan	Consumer	For education	For equipment	Per event	To rest
Sum	From 300 tr. up to 100 million rubles	From 100 tr. up to 5 million rubles	From 10 tr. to 1 million rubles	From 20 tr. up to 300 .t.r.	From 3 tr. up to 100 tr.	From 10 t.r. to 100 .t.r.	From 10 tr. up to 100 tr.
Term	Up to 30 years old	Up to 5-7 years	Up to 5 years	Up to 5 years	Up to 1 year	Up to 1 year	Up to 6 months
Percent	From 11%	From 12%	From 15%	From 15%	From 30%	From 15%	From 20%

Loan approval.

A loan can be approved if the borrower confirms their solvency and will have a good credit history. Borrowers with unofficial and unstable income, with the presence of delays, debts, should not count on any loan. Due to large defaults, banks are very strict about the profile of customers. The most difficult thing is to get a mortgage loan, because it is the longest, although there is collateral that the bank can sell if there is a debt.

Issued easier, especially if the client makes a good an initial fee (30-50%).

Loans for events, equipment, recreation are often issued according to one document and can be received on the day of application. The requirements for the borrower are more loyal here. Due high interest the bank can easily cover the default of non-payers.

What will they not give credit for?

There are purposes for which you cannot get a loan from a bank. These may include: gambling purposes (gambling, betting, etc.), for the purchase of weapons, for their own funeral (some borrowers manage to do this, for themselves for an operation, treatment for a fatal disease, etc.).
In this case, even with a good salary of the borrower, a refusal will be received. But you can cheat and write the "Correct" goal. Another option is to apply to the MFI for a loan.