Receiving a consumer loan

Most people think that taking a consumercredit is very difficult, but in fact, everything in fact, does not cause any difficulties. Documents and certificates require a minimum amount, and the process takes a little time.

Credit on the Internet

The main feature of consumer creditis that it is not issued for any specific purpose. You can take it without explanation to the bank and spend it on any of your personal needs. It significantly simplifies the procedure available on banks' websites such an option as "online application for credit". In order to make a loan on the Internet you need:

• preliminary study all available proposals;
• choose the most appropriate option;
• make an application on the bank's website by filling in a certain form;
• Wait for approval of the application by phone.

And then - either the bank sends a registered letter by mail or courier, or agrees with the borrower to receive money from the bank. The whole procedure is extremely simplified and does not take much time.

Receiving in a bank

Such receipt implies direct application to the applicant's bank. It is necessary to make such steps:

bypass all the banks you like and study the terms of the loan and the necessary documents for collection;

• choose the right bank with the best offers;
• collect the necessary package of documents;
• leave an application with the collected documents in the bank;
• Wait for the approval of the application after verification.

Then the bank will call and inform about the positive decision and agree the date and time of the meeting. It only remains to obtain consumer credit and enjoy the money provided.

Loan Agreement

Before receiving a loan, you need to carefully studyconditions for providing money. If something is not clear, you need to ask for advice from a bank specialist with detailed explanations. After that, you should critically evaluate your financial capabilities and if all the criteria are satisfied, sign a contract.

Required documents

To take money directly in the bank and on the Internet you need:

• Passport and any other document proving identity;
• certificate of own income;
• a copy of a personal work book.

To get a loan when you buy in the storeOnly a passport and an additional identity document are needed. There are banks that ask for everything listed above: a copy of the military ticket (for men), a copy of the marriage certificate, a copy of the title deed.

Credit repayment

The loan is paid in two ways:

1. Annuity payment. To do this, every month the borrower must extinguish the same amount, which includes both the payment of the principal (the body) of the debt, and the interest on the loan and maintenance. This is the most common way, it is undoubtedly very convenient.
2. Differentiated payment. In this way, in the first month, the largest amount is repaid, and further payments are reduced.

All debts must ever be given. This also applies to bank loans. After all, if you fail to pay, the bank will certainly sue the debtor and collect your debts forcibly. So when taking a loan you do not have to rush, but think carefully about your creditworthiness.