A loan is a banking product that allows you to get loans. cash for urgent needs. But before taking it, each potential borrower is required to provide a certain package of information. Consider what documents are needed to obtain a loan.

The process of registration of any banking product is accompanied by the provision of a certain package of certificates. Their list may vary depending on the institution and other factors. In any case, the provision of a full package of certificates for obtaining credit obligations will significantly reduce interest.

First you need to figure out what you need to get a loan. The main document for any transaction will be an identity document. Some credit institutions prescribe information that it is necessary to provide a passport. In rare cases, any document is needed to be approved for a loan, including a driver's license and a pension certificate.

Providing such a document minimizes the risk of fraud. All banks, when issuing credit obligations, check this fact.

Standard package of documents

Regardless of the program chosen, it will request a certain package of certificates from a potential borrower. What documents are needed to apply for a loan? Their list is different and depends on the organization, but you can select a standard package for processing loan obligations in a bank:

The list of certificates for a particular credit institution must be viewed on the official website of the lender, in a branch at the stand or in a special information folder of the client.

In order to issue loan obligations, many financial institutions create an additional list of references. This is beneficial primarily to the bank, because additional documents confirm the borrower's employment or other income. This increases the chances of repayment of credit obligations and minimizes the cost of obligations.

Additional list of documents

What additional documents are required for a loan? What does it take to get a good loan? First you need to collect a complete package of certificates of a standard form, and additional ones will serve as a reason to reduce the interest rate on loan obligations.

The following additional documents are required for a loan:

Making a loan with collateral

Secured lending is popular among young families and car enthusiasts. Auto loans and mortgages are in demand in all credit institutions. Another popular product is a loan with collateral, a loan for goods purchased at a partner store.

Obtaining a secured loan is also beneficial for the institutions that issue it. It allows you to minimize the risks of non-repayment of the loan by the borrower. In accordance with the current Russian legislation, all collateral is subject to insurance. This dictates its requirements for the costs of a potential borrower. In this connection, the client must familiarize himself with such points in advance in order to take a loan correctly.

The following assets may serve as collateral for a loan:

What documents are needed when applying for a secured loan product? List of documents for obtaining a loan from a bank:

• title documents for real estate (contracts of sale, decisions of the judiciary, donation, inheritance);
• certificate of registration of the right;
• cadastral document for land or floor construction;
• building permit;
• extract from the register;
• a complete statement of payment from the house book.

All documents must be brought in their original form, and a copy is made at the bank and certified by an authorized person.

If the vehicle is used as collateral, various types of certificates are needed to obtain a loan:

Nuances

What you need to know when applying for a loan:

1. A product such as a car loan includes not only collateral insurance, but also an OSAGO insurance policy, in some cases a Casco policy.
2. Not all vehicles can be purchased with a car loan. It is necessary to clarify in a banking organization which particular car a potential borrower has the right to buy with borrowed funds.
3. In addition to securing the property or car you are purchasing, a good guarantor may be required. This person will be checked in the same way as the main borrower. He must be able to financially secure the repayment of credit obligations.
4. Approval may take longer than written in the standard conditions, and the bank has the right to require additional documents at its discretion.
5. The loan received must be directed to the purchase of the agreed product or service.
6. A potential borrower has the right to arrange everything both in the branch and on the territory of the partners of the credit institution, if this is provided for by the conditions.
7. In some cases, not only employees of a credit institution, but also financial brokers are authorized to issue a loan.
8. In order not to have to postpone the date of purchase of a product or service, you need to take care of collecting a complete package of certificates in advance.

What else do you need to know when taking out a loan? In some cases, it is more profitable to issue a consumer loan than a target one, due to the fact that a financial institution does not have the right to control what the money was spent on.

If the loan was targeted, the bank either independently directs funds for the purchase of goods or services, or requires the provision of supporting documents, which causes additional trouble for customers. For example, when they provide an agreement with an educational organization, as well as copies of the license of an educational institution to carry out such activities.

The process of obtaining any loan begins with the collection of documents. Their list may differ significantly depending on the lending program you are interested in and the selected bank: there are documents that will be required in any case, and those that may be needed only when applying for a certain type of consumer loan. At the same time, the presence of some certificates and certificates in the credit business significantly increases the borrower's chances of obtaining a loan. We will consider in detail all the documents that may be needed during the registration process, dividing them into mandatory and additional, as well as those that will be required for mortgage and car loans.

Standard package of documents

Regardless of which lending program you have chosen, you will need to provide the bank manager with the original civil passport (a photocopy of all completed pages is made, which is certified by the borrower's signature, stamp and signature of the bank manager). You will also need to fill out an application for a loan and a questionnaire. In some credit organizations, the borrower is offered an application form (both forms are combined in this document).

When applying for both consumer loans and mortgage loans, in most cases, banks additionally require to provide:

1. A copy of the work book certified by the personnel department or another document confirming employment (certificate from the employer, a copy of the employment contract or contract, an extract from the work book). The documents must contain information about the position held and work experience. Documents must be certified page by page. Seafarers need to provide contracts for the last 2-4 years, their official translation into Russian and a sailor's passport.
2. Certificate of income in the form established by the bank, or in the form 2-NDFL, signed and certified by the seal of the enterprise. The certificate must contain income information for at least 6 previous months. If you have an official source of income other than wages (pension, rental income, etc.), provide supporting documents - this will increase your chances of obtaining a loan. We talked about these documents in more detail in the article “ Confirmation of income at the bank - income statements”.
3. A military ID, registration certificate or other documents confirming the presence of a deferment from military service for borrowers under the age of 27 years.

Naturally, in addition to this list, many financial institutions ask for additional documents. We will talk about them further.

Additional documents confirming the identity and social status of the borrower

You can prepare and submit these documents to the bank not only at the request of the manager, but also on your own initiative. Many of them will help confirm your social status and will positively influence the results of a credit assessment. It is advisable to provide these documents both for ordinary consumer lending and for loans secured by cars and real estate. These include:

• driver's license or vehicle registration certificate;
• TIN (Certificate of registration with the tax authority);
• insurance certificate of the State Pension Fund;
• international passport;
• available insurance policies (including CHI, OSAGO, CASCO, etc.);
• the original or a copy of the certificate of ownership of real estate owned by the borrower (ownership or co-ownership);
• documents confirming the existence of securities or bank accounts, account statements;
• copies of documents on the education received: diplomas, certificates, certificates, certificates;
• copies of loan agreements, certificates of banks on the absence of debt, statements on loan accounts;
• the original or a copy of the certificate of conclusion (dissolution) of marriage, the birth of a child.

In some cases, when issuing a consumer loan for the purchase of goods (for example, household appliances), banks may ask for an invoice from the store; when obtaining a loan for education - an agreement with an educational institution and a copy of the license for the right to carry out educational activities.

Compared to consumer loans, a more complete list of documents is provided for loans secured by real estate (mortgage) or a car (car loans). More about this.

Documents required when applying for a mortgage loan

When lending secured by property, the bank will require you to provide all the documents described by us in the list of basic and additional, as well as certificates and certificates characterizing the object of pledge and confirming your ownership of it. For mortgages:

• originals of title documents (contracts of sale, exchange, donation; court decision; certificate of the right to inheritance; resolution of the authorized body of state power);
• original certificate of state registration of ownership;
• cadastral passport and floor plan (when registering property more than 5 years ago) - is issued at the BTI;
• cadastral passport for a land plot (issued at the Cadastral Chamber);
• a building permit (if a loan is issued for the construction of a residential building, and a land plot is pledged);
• extract from the Unified State Register of Rights to Real Estate and Transactions with It (EGRP);
• extended extract from the house book.

When applying for a car loan, you will need:

• contract for the sale of a car;
• invoice from a car dealership (for new cars);
• a copy of the vehicle's passport;
• vehicle registration certificate (for used cars).

In the future, upon receipt of a positive decision of the bank on a loan secured by real estate or a car, the borrower undertakes to provide the written consent of the spouse to transfer the property as security for the loan; receipt of payment of the down payment; insurance contracts and a receipt for payment of insurance premiums; opinion of appraisers, etc. A more detailed list will be announced by the manager of a particular bank.

Banks may put forward additional conditions when lending against the guarantee of individuals and when applying for a loan by an individual entrepreneur. More about this.

Documents provided by guarantors and individual entrepreneurs

If a loan is issued by an individual - an individual entrepreneur, he is obliged to provide the following documents:

• a copy of the tax declaration in the form of 3-NDFL or under the simplified taxation system for the previous year and the last reporting period of the current year.
• original and notarized copy of the certificate of state registration of IP.
• statement of accounts from the bank serving IP for 6-12 months.
• documents confirming the conduct of activities (contracts with suppliers, acts of work performed, etc.).

If the loan is issued under the guarantee of an individual or with the involvement of a co-borrower, the bank will require the same documents from your guarantor as from you (with the exception of documents confirming the ownership of the property pledged).

Summing up, we note that the decision taken by the bank to issue a loan largely depends on the completeness of the package of documents provided. It is not always necessary to limit yourself to the minimum list: it is better to prepare an extra certificate or take an unrequired diploma than to miss the opportunity to get a profitable loan.

Whichever bank you apply for a loan, everywhere you will be asked to submit a certain package of papers for consideration of a loan application. In this article, we will talk about the documents that you will need to apply for a loan at Sberbank.

General package of documents

Documents for a loan (and this applies not only to Sberbank, but also to any other bank) must include a general civil passport of a citizen of the Russian Federation.

With regard to registration (registration), most banks require a permanent registration (registration) mark in the passport. Sberbank, unlike them, admits that the future borrower may be temporarily registered. This, of course, significantly expands your opportunities for obtaining a loan, but then you will also need to submit a certificate from the passport office confirming that you are really still temporarily registered at a specific address.

According to your passport, the security service checks a lot of information on “special” bases (conviction records, presence of nominee directors in the databases, credit history). FULL NAME. and the passport number, in this case, allow you to identify you as unambiguously as possible (so as not to get annoying "overlays").

If you receive a pension, scholarship or salary on a Sberbank plastic card, then in order to receive certain types of loans, you do not need to provide either an income certificate or a certified copy of the work book confirming your employment.

If you are not a participant in a salary or social project at Sberbank, then you will have to provide a document confirming your income in any case. Alas, Sberbank (unlike other banks) does not have programs like "" or "without confirmation of income."

To verify income

Classically, this is a certificate of income in the form of 2-personal income tax issued by your employer. I want to immediately warn you if someone is going to "negotiate" with friends so that they "make" a 2-personal income tax form. There is a "rumor" that Sberbank has the ability to verify the accuracy of information on income on the bases of the tax inspectorate (on the basis of actually paid tax). Perhaps this is a rumor, but the risk of getting into informal databases of “deceivers” is quite high. After that, getting a loan from another bank will be very problematic. More precisely, it is impossible.

If for some reason you cannot provide the 2-NDFL form, you can submit a certificate of income on the letterhead of the employer with a blue signature and a blue seal. The certificate must contain your full name, full and exact name of the organization, postal address, phone number of the accounting department, average monthly income for the last six months and the amount of deductions from wages for the same period. For convenience, you can download a reference template from the Sberbank website and ask the accounting department to fill it out so as not to miss or forget anything.

If you receive a pension, then to confirm your income, you must submit a certificate of the pension assigned (paid) for the last month from the Pension Fund branch or another body that pays you money.

Individual entrepreneurs provide copies of tax returns with marks of acceptance by the tax office for the last calendar year or for the last five reporting periods (if you report quarterly).

By the way, when considering loan applications, Sberbank is ready to take into account your additional income (this is especially true for mortgages).

If you receive income from the rental of property (real estate or vehicles), then you must provide documents confirming that you own the property (and you must have been the owner for at least two years); a lease, lease agreement, the term of which expires not earlier than in a year; necessarily, attention, a copy of the declaration in the form 3-NDFL - your reporting that you paid income tax on these incomes.

If you receive income under civil contracts, you can provide the contracts themselves, payment documents and a declaration in the form 3-NDFL.

To confirm employment, you must provide either a certified copy of the work book (recently, personnel services know how to do this correctly) or a certificate from work in an arbitrary form, from which it clearly follows that you are employed.

Let's call this package "basic" for simplicity of further descriptions.

Documents for obtaining a loan and a credit card

To take a consumer loan without a guarantee and security in the amount of up to 300,000 rubles, a passport and a document confirming your income will be enough (only a passport is enough for participants in salary projects). For a larger amount or if you are an individual entrepreneur, you will also have to provide a document confirming employment, that is, a complete basic package.

If a guarantor(s) is required to obtain a loan, they will have to provide exactly the same documents as the future borrower. But persons aged 18 to 20 still have to prove that they are relatives of the guarantors.

To apply for a credit card, you will have to provide a complete "basic" package of documents, and it does not matter whether you receive a salary on a Sberbank card or not.

A package of documents for a car loan

For car loans (as well as for mortgages), the list of documents is much larger: documents for vehicles are also added to them. If you are willing to pay more than 30% of the down payment for a car, then you can only provide a passport and one of the additional documents of your choice: driver's license, military ID, military ID, international passport, certificate of compulsory pension insurance. If you are not able to pay such a large down payment on a car loan, then you will have to provide a complete “basic” package of documents.

Additionally, you will need to submit documents for the purchased car. Be sure to contract the sale of the car, as confirmation of the intended use of the loan. An invoice for payment full cost car and a payment document that the down payment has already been made. Without fail: an insurance policy under the CASCO program, or a receipt for full self-payment, or an invoice from an insurance company so that the insurance amount can be included in the cost of the loan).

Features of the mortgage package

In the case of mortgages, everything is much more serious. In addition to the “basic” package of documents (with a similar concession for participants in the salary project), you will also have to provide documents for the acquired property.

We will not paint all the nuances in as much detail as possible. Let's stop only on the main documents.

If you plan to buy a finished apartment, then at a minimum, you will have to provide a certificate of the seller's ownership of the apartment along with the document on the basis of which the ownership arose, as well as an extract from the registration chamber stating that there are no encumbrances. In some cases, a cadastral passport may be required. As a rule, the sellers of apartments have all these documents ready.

When buying an apartment in a house under construction (the so-called equity mortgage), you will need an equity participation agreement, as well as a fairly voluminous package of documents for the developer, if he is not accredited by Sberbank. If the construction company is a partner of the bank, then such a package of documents will not need to be provided.

Additionally, you will need documents on the ownership of the land on which the building is located. As a rule, the bank finances the acquisition of individual buildings only simultaneously with the acquisition of the land on which they are located.

Dear readers, in this article we have collected generalized information for you about what documents are needed to obtain a particular loan. This article is a cheat sheet for any occasion for any borrower.
The lists of documents collected in this article do not constitute an exhaustive list, therefore, in different banks you may be required to provide some additional documents, and in some others they will not ask even half of those that we indicated. This is quite normal, and such confusion is caused only by the fact that this issue is not regulated at the legislative level in any way and banks are guided solely by their own considerations about what documents are needed to verify your solvency when issuing a particular loan. At the same time, we have tried to include the most frequently requested certificates and documents in the list, so that you are definitely ready for the most tricky requests of bank employees when you go to the office for a loan.
For convenience, you can use the article navigation bar to navigate to the section you are interested in.

For an individual

To obtain a loan, individuals need almost the same documents. As a rule, banks are asked to provide almost the minimum amount of documents, including:

• Passport of a citizen of the Russian Federation with a residence permit.
• A copy of the work book to confirm the employment of the potential borrower and the length of service at the last place of work.
• Certificate in form 2-NDFL, which confirms income

In most cases, these documents are enough for an individual to be approved for a small loan, but there may be exceptions. An example of such an exception is secured loans for which you need:

• Documents that confirm the borrower's ownership of the collateral, as well as the direct possession of this property.
• Insurance policy (for a property (apartment, house, etc.), vehicle or the borrower. Insurance may differ depending on the type of loan).
• A photocopy of the technical passport of the vehicle, if it is the subject of a pledge.
• Photocopies of documents confirming the payment of the down payment, if the loan provides for any down payment.

In that case, if the loan is taken by one of the spouses may need:

• Copy of marriage certificate.
• Spouse's written consent to the loan.

All of the above documents are most often found in the requirements of banks, so you should be prepared for the fact that you will be asked for them, however, in some situations, even the minimum set will not be required. For example, if you receive a salary on a Sberbank card and want to get a loan in it, you will not need a copy of your work or income statement, because. Sberbank already knows everything about you. Thus, to obtain such a loan, you only need a passport of a citizen of the Russian Federation with a residence permit. Of course, such a loan does not imply large amounts, but you can easily qualify for 50-70 thousand rubles.

Legal entity

The package of documents for obtaining a loan for legal entities, of course, is different. Organizations of all forms of ownership will need a much larger number of various papers in order to convince the bank of their solvency, so let's consider them in more detail.

• Constituent documents.
• Constituent documents.

The list of constituent documents required for a legal entity to obtain loans should include:

• A photocopy of the certificate of establishment of this jur. persons for tax registration (TIN).
• A photocopy of the decision to establish an LLC or a copy of the memorandum of association and minutes of the general meeting of founders.
• A photocopy of the charter of the company and all subsequent changes that were made to it. The charter and all changes made to it must be registered with the tax office and have an appropriate mark about it.
• Photocopies of payment orders, which testify to the full payment of the authorized capital of the organization.
• Photocopies of orders for the appointment of Gen. director and chief accountant.
• Photocopies of passports of all founders of the organization.
• Photocopies of passports of responsible persons: chief accountant and general director.

IMPORTANT: In many banks, analysts may require not only a standard set of photocopies of passports (1.2 pages and registration), but also copies of the rest of the passport. In particular, this may apply to the chief accountant and the gene. director.


• Accounting and finance reporting.

This part of the package of documents is definitely the most voluminous and the most important for obtaining a loan. It is the analysis of financial and accounting information that will allow bank analysts to understand whether a potential borrower will pull, i.e. your legal entity, loan and payments on it in the amount requested. Perhaps analysts will not see the potential for a loan of 100 million rubles, for example, but they will see the opportunity to pay 50 million rubles and will offer exactly this amount.


• In the event that the company operates under a simplified taxation system, it will be necessary to provide a declaration indicating the payment of UTII, simplified tax for all reporting periods for the past year and the current one.
• In the event that the company operates under the DOS (general taxation system), then you will need to submit reports for the last 5 quarters of profit and loss. To do this, you will have to show the bank a copy of the company's balance sheet for the specified period.
  Critically important that all documents have a stamp confirming their acceptance by the tax office. A photocopy of the register with a note about the acceptance of a registered letter is also suitable. In addition, there is a possibility that you will need a printout of a receipt that confirms the receipt of reports using an EDS (electronic digital signature).
  In addition, you will need photocopies of payment orders for the payment of UTII.

It is important to note that there are a number of nuances that one way or another affect the approval or disapproval of an application for a loan. For example, banks tend to be wary of empty and half-empty declarations. We are talking about tax fraud of all sorts and formats. Having suspected an enterprise that it is not conducting a completely honest business, the bank most often decides not to cooperate with it.
In addition to the documents already mentioned, you may need:

• Turnover balance sheet(accounts of accounting).
• Deciphering and detailing your fixed assets, for example: buildings, vehicles, equipment and others. If the company has some expensive equipment that is on the balance sheet, it is imperative to draw up a management certificate and enter all this property into it. This is done because the bank may require the use of this property as collateral.
• Decryption of creditors. An exhaustive list of who you owe. In this list, the dates of the occurrence of debts must be disclosed and a plan for their repayment should be indicated.
• Decryption of debtors. It is important not only to whom you owe, but also who owes you. Be sure to list all your debtors, indicate the date the debt was formed, as well as the planned repayment period for the existing debt. Accountants generally don't like this job because most of this information is collected by hand, but it's something to be puzzled about.
• Warehouse reference. A list of goods that are currently in stock, indicating purchase and market prices;
• Deciphering the 76th account. Data on all other creditors and debtors;
• Cards of accounts for accounting for the movement of non-cash and cash funds. Using all this data, banks can understand in general terms where do you generate your profit and how do you manage it.
• Prepare information about the organization's debts. This refers to official debts on bank loans and so on.
• Copies of cash books must be present.
• Make an expense report: how much is spent on renting offices, warehouses, salaries, communications, and so on.
• You will also need prices and calculations for products and services sold and produced.
• In addition to those already listed, you will need invoices and waybills with prices for the main types of goods or raw materials that are purchased for production, in the event that they are then resold. With these reporting figures in hand, bank employees will be able to calculate the marginal income of your business.

A very pleasant nuance is that everything stated in the list above, as a rule, is asked to be sent by e-mail, so collecting and sending the indicated data will be much easier than it might seem. In rare cases, the bank may still ask you to provide it with all the designated materials in hard copy. With this turn of events, everything will have to be printed, filed, stamped and taken to the bank office, but this is extremely rare.


• General information about the work of a legal entity.

This part will demonstrate to the bank that your business really works and develops, and is not a fictitious, unprofitable and unpromising enterprise.
Among other things, you will need the following documents:

• All documentation proving the ownership of all property that you own. In the event that any part of it is rented out, it is necessary to provide lease agreements.
• You will have to show the bank the agreements concluded with customers and partners. The more famous and famous these clients and partners are, the better. Such documents testify to the general level of your company, because it is not clear with whom people will not work, but if serious organizations work with you, then you are a reliable partner that is trustworthy.

We remind you once again that unsecured loans are usually not typical for legal entities due to the fact that the loan amounts are usually quite large. Most often, loans are issued against the security of property owned by the enterprise. That is why you need to be prepared for the fact that the bank will ask for the use of some property on the balance sheet as collateral.
In addition, to issue a loan, the bank may require a personal guarantee of the director, and sometimes the founders. Such a requirement is not an initiative of the bank, it is a very real requirement of the Central Bank, so there is nothing to be done about it, if necessary, then it is necessary.

Individual Entrepreneur (SP)

An individual entrepreneur who conducts business activities without organizing a legal entity needs a slightly different way to confirm his solvency with a bank in order to obtain a loan. In order to get approval of your application for a loan, you need to provide constituent documents and reporting on financial condition. Depending on which loan program is selected for obtaining a loan and what activities the individual entrepreneur conducts, the following documents may be needed:

• Extract from the Unified State Register of Individual Entrepreneurs (EGRIP) and (or) registration certificate.
• Certificate of registration with the tax authorities issued by the Federal Tax Service of the Russian Federation.
• If an entrepreneur is engaged in some type of activity that, in accordance with the law, needs to be licensed - relevant license.
• Lawyers will need a copy of their lawyer's license.
• Notaries will need to present an order of the territorial body of the Ministry of Justice on appointment to the position of a notary.
• Tax return. The period for which it is necessary to provide it is determined by the Tax Code of the Russian Federation for each group of entrepreneurs separately.
• Copies of documents reflecting financial statements in a form corresponding to the form of accounting
• It is likely that certificates from commercial banks may be needed, in which balances on current accounts should be displayed.

At the discretion of the bank, other documents may be needed, but it is difficult to predict, so you can get such information directly from the bank when applying for a loan.

For small business development

Lending to small businesses is actually no different from lending to legal entities in terms of what package of documents you need to provide to the bank. Let's face it, the stack turns out to be very weighty, but this is quite justified, because we are talking, as a rule, not about 50 thousand rubles, but about much larger amounts, so the bank needs to conduct an express audit of the enterprise and make sure that it really works, has certain prospects and can cope with the credit burden. In view of this, the list of documents for a small business loan is reduced to the following groups:

• legal documentation.
• legal documentation.

Legal documentation includes:

• Copies of passports (including all pages) of the borrower/pledgers/guarantors, officials of the legal
  persons (chief accountant and general director) and real owners (participants/shareholders,
  owners of management companies owning more than 10% of shares/shares).
• Certificate of making an entry in the USRIP for individual entrepreneurs.
• A copy of the certificate of state registration of a legal entity.
• Certificate of registration with the tax authority.
• Photocopies of all constituent documents, including the decision to create a legal entity and the minutes of the general meeting of participants.
• Photocopies of orders for the appointment of Gen. director and chief accountant or a combination of positions.
• For joint-stock companies, a copy (extract) of the register of shareholders as of the date of filing the application and a photocopy of the notification of the authorized body on registration of the issue of shares will be required.

IMPORTANT: The documents indicated in the list are not exhaustive and may be changed individually at the discretion of the bank, so be prepared for the fact that you will have to collect some more documents not from those listed above.


• financial documentation
• financial documentation

As in the case of legal entities, for small business development loans, this part is also fundamental when considering a loan application. Financial reporting is important in that it allows bank employees to determine with a high degree of accuracy the financial climate within the enterprise and understand whether it is able to cope with the loan and repay the debt without incurring debts and delinquencies.
As for the package of documents, in terms of finance and accounting, the bank will need:

• Revenue data excluding mutual turnover between related companies on a monthly basis for the last calendar year.
• Indicators of the "real" cost and markup for the last year.
• Detailed data for all creditors and debtors for the last 3 months and at the time of analysis.
• General balance sheet (expanded) for all accounts for the last 3 months (detailed monthly).
• Information about the “real” size of inventories (finished products, goods, raw materials, p / f) at the purchase price for the last 3 months and at the time of the analysis (at the time of the financial analysis - deployed for the entire range; - every 1st day of the month for the last 3 months - the total amount with information on the entire range).
• List of fixed assets, regardless of whether they are on the balance sheet.
• Over the past 12 months monthly detailing of the card 51 accounts.
• Certificates from all banks that serve a potential borrower, which would indicate the absence of loan debt, file cabinet No. 2 and turnover on all accounts over the past 6 months.
• Copies of contracts with the largest suppliers and customers. Most banks ask you to provide at least 5 contracts for each group.

For refinancing

Refinancing involves the transfer of a loan from one bank to another or the consolidation of several loans. You can read more in our article, but here we will focus on which package of documents is useful for the bank to “give the go-ahead” to this process.
The package of documents for refinancing loans may differ significantly depending on the bank, but the main package includes:

• Document confirming income. This can be a certificate in the form 2-NDFL from the place of work or a declaration for an individual entrepreneur
• Loan details:
  This is a very important point, because loans with delinquencies and debts are not subject to refinancing. It is worth making copies of loan agreements and ordering a detailed repayment schedule from your bank. If you have receipts confirming your timely payments, make copies of them and also attach to the application.

For the success of this event, only 2 factors are fundamental: a good credit history and the presence of a stable source of income. If, due to some circumstances, you yourself understand that the level of your income at this stage is not quite sufficient to make payments, do not panic. When concluding a new contract, you may well count on more benign conditions and a longer term.

Pensioner

The documents required for obtaining a loan for pensioners can be divided into 2 parts: for non-working and working pensioners. The only significant difference is that those who work have an additional source of funds in the form of a salary, so their chances of getting a loan are still slightly higher. The salary is confirmed by a 2-NDFL certificate, and the length of service is confirmed by a copy of the work book.
For non-working pensioners, a photocopy of the passport, pension certificate, and a certificate of the amount of pension for the last 6 months will be sufficient (as a rule, however, there may be exceptions).

For maternity capital

Maternity capital can also be used for loan payments. To use it in this format, you need to follow a few fairly simple steps:

1. Write and submit an application to the Pension Fund for the disposal of maternity capital.
2. Get a certificate for maternity capital and make a copy of it (as a rule, you need to submit both the original and a copy to the bank).
3. A full package of documents proving the identity and its financial condition (certificates of income from the place of work, if any, and copies of the labor).
4. Marriage and birth certificates may also be required.

To buy an apartment

To obtain a mortgage loan, the borrower will need a not very large list of securities, among which the following are most often found in the requirements of banks:

• Income verification. This can be a certificate in the form 2-NDFL from the place of work or a declaration for an individual entrepreneur
• A copy of the work book or certificate of registration of IP
• Copies of documents proving the identity of the borrower and the guarantor (passport)
• Written consent to a loan or a guarantee from a spouse may be required

This list of documents is the minimum for applying. In the future, if the application is pre-approved, you will be asked to collect an additional package, which will include different documents depending on the status of the borrower, collateral and the subject of lending. This may be an extract from the house book, a certificate from an independent appraiser, a decision to accept the house for operation, or a certificate from the BTI on the value of the property.

To buy a car

A car loan in Russia is one of the most popular, especially after the introduction of a state subsidy program for car loans for domestically assembled cars. To obtain a car loan, you may need the following documents:

• Copies of identity documents (passport) of the borrower and the guarantor, if there is a guarantor.
• A copy of the borrower's driver's license.
• Income verification. This may be a certificate in the form 2-NDFL from the place of work or a declaration for an individual entrepreneur. As a rule, it is required to indicate data in the certificate for at least the previous 6 months starting from the current moment. Most often, monthly detailing is required.
• A copy of the work book or certificate of registration of IP. The data must also be up-to-date for the last 6 months with a monthly breakdown.
• You may need a copy of documents confirming the marital status of the potential borrower, as well as the consent of the spouse (s) to receive a loan.

This completes the primary package of documents, however, the bank reserves the right in each case to request any other documents that are necessary for making a decision.

For education

Teaching is light, but the torch of knowledge is now quite expensive, so education loans are in high demand among young people today. Of course, it will be much easier for a young person to get a loan if they have an official job, part-time job, or any other confirmed source of income. The presence of a deposit can also have a very positive effect on the consideration of the application. To obtain an educational loan, the following documents are most often needed:

• A contract for training, which is concluded with an educational institution.
• Passport.
• Certificate of temporary registration, if the borrower does not actually live at the place of the main registration.

In the event that the borrower has not reached the age of majority, the following documents will be additionally required:

• Passports of legal representatives.
• Written consent of legal representatives.
• Borrower's birth certificate under the age of 18.

For housing construction

You can get a loan to build a house in many banks. In most of them, you will need approximately the same list of documents:

• Borrower identification data. If a guarantee is planned, then a guarantor. It is worth preparing photocopies of the passport in advance (1.2 pages + registration page)
• Documents confirming the financial condition of the borrower. In the event that you receive a salary from the same bank where you take out a loan, most likely you will not need to confirm your main source of income.
  In the event that you have an additional source of income, you need to inform the bank about it and show some kind of confirmation.
• If the loan is taken by one of the spouses, the written consent of the other spouse may be required to conclude a loan and confirm the total family income.
• The bank may require the spouse to act as a guarantor

Regarding documents related directly to the construction of the house, the following may be useful here:

• Permit for construction or reconstruction (issued to the developer)
• Documents on state registration of ownership or lease rights of the Developer to the land plot on which the development or reconstruction will take place. A sublease may also be suitable as title documents, in which case it is necessary to provide an agreement.
(2 votes, average: 5,00 out of 5)

Naturally, the bank does not issue loans out of altruism - this is one of the main sources of income for credit organizations, so the bank needs guarantees for the return of not only the amount of the principal debt, but also interest on it. A package of documents confirming your solvency, each bank determines independently, taking into account its own risks when issuing a particular amount. Compound required documents mainly depends on the type of loan.

Sources:

Applying for a credit card is not particularly difficult. In addition, the banks themselves are more interested in providing various loan products, since interest and commissions on them are the main source of their income. But this does not mean that you do not have to confirm your solvency when applying for a card.

You will need

• - passport;
• - documents confirming income;
• - an additional document from the list proposed by the bank;
• - questionnaire (provided by the bank);
• - fountain pen.

Instruction

Carefully read the terms and rates for the selected credit.

Various loan calculators presented will be useful, not only on the bank's website (if any), but also on third-party resources, for example, RBC-Credit. The latter often allow not only to compare the conditions of various banks, but also to see the entire amount of overpayments for them. They themselves are usually not very interested in providing such information to the client, since various commissions can be several times higher than the principal amount and interest. If the received one does not discourage you from contacting the credit, study the list of required documents on the bank's website, find out at its call center or take it at the nearest branch.

Collect the necessary documents and take them to the bank branch.

Verification requirements may vary. At the same time, it is it that serves as the basis for deciding on the amount of the loan and the interest rate on it.
The most convincing is usually a certificate from the employer in the form of 2NDFL. But other options are also possible - from a certificate in the form of a bank to a business card. But it may be enough just to fill out a questionnaire.

You will definitely need a passport and, most likely, a second document identifying you: driver's license, military ID, international passport, certificate of TIN assignment, etc.

Depending on the loan amount, the bank may take time to review and verify your details. But it is possible that the decision will be made on the day of the appeal.

After making a decision to provide you and the amount of its limit, you will be asked to familiarize yourself with the documents (agreement, tariffs, etc.). Please read them carefully before signing anything. Read everything in fine print carefully. At this moment, you still have a chance to refuse credit, if something fundamentally does not suit you.

If everything is in order, sign the contract and wait for the card to be made. This process usually takes about a week.

Related videos

Helpful advice

In general, it is better not to get involved with loans if possible.

Sources:

• How can you make money with a credit card? We reveal for you

Sberbank of Russia makes it possible for Russian citizens to receive a consumer loan, but for this you need to collect a small package of documents. As a rule, this is necessary in order to show the bank the financial condition of the borrower, solvency. In some cases, loans are issued without any collateral and even without guarantors. There are several loan programs.

The main document when applying for a loan is a citizen's passport. Russian Federation, moreover, it must necessarily contain a note about registration at the place. In the event that you have temporary registration, provide a certificate from the passport office.

To show a stable financial condition, you must provide a certificate of income in the form of 2-NDFL for the last six months, and continuous work experience must be at least six months. With fairly large loan amounts, a bank employee may ask you to provide a copy of your work book or a certificate from your employer about your position.

If for some reason you are not able to provide a copy of the work book, it can be replaced with a copy of the employment contract or contract. Moreover, it must be stitched, numbered and certified by the head of the enterprise.

In the event that you work part-time, then provide the credit department with a certified copy of the contract or employment contract. You can also take proof of income.

In the event that you have chosen the loan program "Consumer under the guarantee of individuals", the guarantor must also make copies of documents from the place of work. If a person receives income from outside, for example, from renting property, then a certificate in the form of 3-NDFL or an income declaration marked by a tax authority must be submitted to the credit department.

Sometimes Sberbank employees are asked to provide a copy of a second document, for example, a driver's, foreign passport or insurance certificate. In the event that you are unable to provide a 2-NDFL certificate, ask the employer to issue an income statement in any form.

Related videos

Related article

Sources:

• what are the documents for taking a loan

In the very general concept A credit card is a plastic card linked to a bank account. It is used for payments, including via the Internet. Most payment cards have a standard format, on the front side there is a logo of the payment system, card number, surname and name of the holder and its validity period. To get a credit card, you need to follow a few simple steps.

Instruction

To apply for a credit card, you must first select the bank in which the personal account will be opened. Go to the nearest branch of this bank and find out the terms of the loan. The credit card is intended for making financial transactions at the expense of credit funds provided by the bank within the established limit in accordance with the signed agreement.

Prepare the necessary documents that you will need at the bank: passport, identification code assignment certificates and wages for the last six months. This is necessary to check your solvency and credit history. Often banks are asked to provide additional documents from a specific list. This may be a foreign passport, a driver's license, an insurance certificate of the Pension Fund of the Russian Federation, a compulsory medical insurance policy.

The bank will provide you with an application form for opening an account and for issuing a plastic credit card. In addition, you will sign an agreement for opening and maintaining your account.

Contact a consultant to understand the "pros and cons" of different credit cards. Usually the tariff rate depends on the list of documents provided. You can change it at any time using a different tariff plan. Remember that this service is provided.

A credit card is issued within a few days (up to two weeks). If you want to speed up this process, then you will have to pay a higher interest on the loan. Another way to shorten cards is to arrange it in mode. However, you still have to go to the bank to get a ready-made card.

Get a credit card at the branch of your choice and activate it for use.

Connect the service of transferring information about the movement of funds via SMS messages. Thus, you will always be in control of the situation and remember to pay for the loan on time.

Related videos

Many citizens use the opportunity to use borrowed funds taken on credit from a bank. Consumer loans have become popular, allowing you to purchase expensive household appliances or furniture and start using it immediately, paying small monthly payments over a period of time. Loans make it possible to make more expensive purchases, such as buying a car or an apartment.

Mandatory documents that the bank will require when applying for any loan

Naturally, the bank does not issue loans out of altruism - this is one of the main sources of income for credit organizations, so the bank needs guarantees for the return of not only the amount of the principal debt, but also interest on it. A package of documents confirming your solvency, each bank determines independently, taking into account its own risks when issuing a particular amount. The composition of the required documents mainly depends on the type of lending.

Those documents that you will be required without fail include a passport or other document that unambiguously confirms your identity. For insurance, as a rule, in addition to your passport, you may be required to choose two more documents to choose from: a military ID, a foreign passport, a pension fund insurance certificate, and a driver's license. But this is a necessary minimum, according to which you can only get a consumer loan in a store for a small amount. When the amount exceeds 50-100 thousand, the package of necessary documents can be expanded.

In the event that a loan is issued secured by property, you will need to present a certificate of ownership of the mortgaged property. As a rule, the bank does the valuation itself.

Documents required for obtaining a large bank loan

When you want to receive a large amount of cash, the bank has the right to require you to:
- an application for a loan and a plastic card, which is according to the model;
- the original and a copy of the civil passport;
- the original and a copy of the driver's license;
- certificate of salary for the last 3 months, issued no later than 30 days before presentation;
- a certificate from the last place of work or a copy of the work book;
- pension certificate if you are a pensioner.

You may not need a certificate of no debt in other banks - the borrowing bank can independently request your credit history.

When you want to get a mortgage loan from a bank, the requirements will be tougher. To confirm your identity, you will need photocopies of all pages of your passport, a certificate of employment in the form 2-NDFL, issued no later than a month. A copy of the work book will need to be certified by the seal of the employer. You will also need to show a marriage certificate if you are a member, or a divorce certificate if you have ever been married or married, and documents for children if you have children under the age of 18. Some banks will also ask you to show your driver's license or, if you don't have one, the original certificate of the absence of diseases from the psycho-neurological dispensary. Be prepared to also present a diploma, a certificate of education or documents for a car, a certificate of ownership of real estate.

Sources:

• what documents are needed when applying for a loan

Alfa-Bank is the largest commercial private bank in Russia. There are 127 branches throughout the country that offer deposit and lending services to individuals, individual entrepreneurs, financial institutions, large and medium-sized businesses and investment banks.

You will need

• - passport of a citizen of the Russian Federation;
• - certificate 2-NDFL;
• - additional documents.

Instruction

Alfa-Bank offers a dozen different types of loans. Many people go to the bank to get a cash loan. A loan is issued up to 2 million rubles. for up to five years. A significant advantage is the issuance of a loan without any commissions and guarantors. The rate is calculated on an individual basis, the more documents and information the client provides, the more profitable the loan is issued for him. To receive the necessary amount of money from the bank, you should contact the Alfa-Bank branch in your own or nearby settlement or fill out an application through the alfabank.ru website.

To apply for a cash loan, you must provide a list of documents. It includes a general passport of the Russian Federation and a certificate from the place of work in the form of 2-NDFL, which must indicate the white salary for the last six months. This certificate is valid for one month from the date of issue. If the client receives earnings on a card or Alfa-Bank account, the provision of a personal income tax certificate is not required. Additionally, you can provide a valid foreign passport, where there is a stamp confirming a trip abroad during the last year. Also, if available, you should provide the bank with a voluntary medical insurance policy, a driver's license and a vehicle certificate if it is at least 4 years old. A copy of the work book is needed with the relevant requirements.

In Alfa-Bank, you can apply for a cash loan "Fast". Loan amount from 10,000 to 250,000 rubles. In order to get a loan, you should bring your Russian passport and a 2-NDFL certificate with a salary for the last three months to the bank branch. The source of income should not be lower than 8000 r. When filling out the application, they are required to indicate the working phone number of the personnel department of the organization where the client works and the home phone number at the place of residence. No negative credit history required.

To apply for a consumer loan when buying large goods, you should approach the consultant at the point of sale and write an application. For registration, you only need a passport. The main thing is to correctly and correctly fill out the questionnaire.

Alfa-Bank provides mortgage lending, credit cards, car loans. All programs for registration require a standard set of documents, as when obtaining a cash loan. It’s just that each type has its own nuances and the bank requires the relevant documents.

Sources:

• Alfa Bank

Tip 7: What documents are needed to get a loan

The package of documents required to obtain a loan varies depending on the bank. Also, the requirements depend on the type of loan received and the amount of credit.

You will need

• - an application for a loan;
• - identity documents;
• - documents on the subject of pledge;
• - documents on co-borrowers and guarantors;
• - other documents requested by the bank.

Instruction

Regardless of the type of loan received, the borrower will need documents proving his identity. At the same time, banks often indicate the need for his registration in the region where the loan was received. Foreign nationals as well as access to loans is extremely limited.

In addition to a passport, the bank often asks for any other document of your choice. This can be a TIN, SNILS, rights, etc. Men under the age of 27 often require a military ID. Retired borrowers must provide a pension certificate. For payroll clients of the bank, or when obtaining a loan as part of individual banking offers, other than a passport, often other documents are not required.

There is a rule according to which, the larger the loan amount, the more stringent requirements are imposed on documents for a loan. It is almost impossible to get a large loan without confirmation of your own income today. And if possible, then at an extremely high percentage. The number of documents confirming income includes 2-NDFL or a certificate in the form of a bank. The period for which a certificate is provided is set independently in each bank and, as a rule, varies from 3 months to 2 years. Sometimes an account statement from another bank may also be requested.

Often banks have their own requirements for the minimum work experience at the last place of work. As a rule, it starts from 6 months. To confirm the length of service, a certified copy of the work book or a certificate of experience from the last place of work may be required.

Many banks limit the issuance of loans for business owners and individual entrepreneurs, because. it is problematic for them to document their own income. But in some banks, income declarations or management reports are accepted as supporting documents. If the borrower is a director, an extract from the Unified State Register of Legal Entities or a copy of the Charter may also be required, which confirm that he is not the owner of the company he manages.

If the loan involves the registration of collateral, then documents confirming ownership will also be required. This is a mandatory requirement when applying for a home loan. To obtain a mortgage, you must provide a complete package of documents on the property.

If guarantors are required to obtain a loan, then each of them is filled out. They must also provide documents that confirm their income. The same requirements apply to guarantors.

Specific documents are required by banks to obtain loans under social government programs. For example, to obtain a preferential mortgage for young families and state employees, documents confirming the right to a subsidy are required. For applicants for an educational loan - an agreement on the training of a specialist.

Related videos

note

It is almost impossible to get a profitable loan only with a passport, because. such loans are characterized by a high risk of default. And the higher the risks of the bank, the higher the loan interest rate.

Helpful advice

Before obtaining a loan, specify the list of documents that a potential client must provide in order to consider a loan application. If you cannot provide any of the documents, you should look for another bank with more loyal requirements.

Tip 8: What documents do you need to get a credit card

Credit cards are a good alternative to consumer loans, as the limit on them is renewed after the debt is repaid. They are very popular among Russians. To apply for a credit card, you need to prepare the requested package of documents. Their list varies depending on the bank.

You will need

• - documents confirming income;
• - identity documents;
• - documents confirming residence / registration in the region where the card was received;
• - Documents confirming the length of service;
• - additional documents.

Instruction

Requirements for borrowers to obtain a credit card become more loyal over time. To obtain a credit card, the borrower must meet a number of requirements - have Russian citizenship and be at least 22 years old. Today it is possible to get a credit card with just two documents - and an additional document. The borrower is given the choice of which second document to provide. This may be SNILS, TIN, pension certificate, driver's license.

Almost all banks impose requirements for the borrower to be registered in the region where the loan is received. At the same time, he must live in it for at least six months.

In any case, the borrower will need to fill out an application form for a loan. This can be done at a bank branch, or it can be done through an application on the bank's website. The questionnaire contains a number of questions about the borrower, which must be answered honestly. You should not hide the presence of other loans, the bank will still find out this information, and your credibility will decrease.

There are two broad categories of credit cards - those that require proof of income and those that don't. Two key parameters of a credit card depend on the availability of documents that confirm the borrower's income - the size of the credit limit and the interest rate. It is impossible to get a credit card with a large limit without proof of income.

Often banks that do not require proof of income request documents that indirectly confirm the solvency of the borrower. This, for example, title, passport with a mark on a trip abroad for the last 6 months, statement of accounts for the last six months. But those banks that are ready to provide a credit card exclusively are extremely rare.

To approve large credit limits, the borrower may be required to have a copy of the work book, as well as a certificate of the presence of a term deposit in the bank. The amount of such a deposit should be several times greater than the monthly credit limit. And the minimum requirements for seniority at the last place of work are 3 months.

A 2-personal income tax certificate, as well as certificates in the form of a bank or from the financial department for military personnel can serve as documents confirming income. Banks often refuse to issue a card to entrepreneurs. Some require the provision of 3-NDFL, a copy of a certified declaration and an extract from the current account. In this case, the entrepreneur must be on the OSNO or simplified tax system with the object of income-expenses. In this case, he can document not only his own income, but also expenses. But individual entrepreneurs on UTII or STS income have to turn their attention to loan offers that do not require confirmation of income.

Sometimes borrowers do not need to prepare additional documents, but only a passport is enough. Holders of salary and debit cards, as well as conscientious payers on mortgages, housing and car loans, have such an opportunity. These categories of citizens are the most transparent for banks in terms of their monthly income and financial discipline. Therefore, they do not need to additionally confirm their income, because. the bank already knows them. Such credit cards are approved as a pre-approved offer.

note

The interest rate on credit cards issued only with a passport is always noticeably higher than on those issued with a standard package of documents.

Helpful advice

Always pay attention not only to the credit card interest rate and maximum credit limit, but also to the cost of annual maintenance, the presence of a grace period (and what transactions are included in it), cash withdrawal fees and possible hidden fees.

Advice 9: What documents are needed for a loan at Alfa Bank

Alfa-Bank offers a wide range of loan products.
The interest rate and the maximum loan amount depend on the package of documents provided by the borrower.

You will need

• - application form for a loan;
• - passport of a citizen of the Russian Federation and a second document of your choice;
• - documents that confirm income;
• - Documents that confirm the length of service;
• - other documents.

Instruction

The issuance of any loan is accompanied by the execution of an application form for a loan. The most convenient way to fill it out is in the mode on the bank's website. But you can also fill out a questionnaire in writing at any office of Alfa-Bank. Questions should be answered honestly and try not to make mistakes. After all, any discrepancy can be considered by the bank's security service as an attempt at fraud.

To obtain a consumer non-purpose cash loan, a minimum package of documents is required. On the loan "Fast" for a maximum amount of up to 250 thousand rubles. a passport is requested, as well as an additional document of your choice (passport, compulsory medical insurance policy, rights or pension insurance card). This loan allows you to quickly get a small amount, but such loyal requirements for the borrower are accompanied by an extremely high rate - from 37%. Therefore, for those who can provide an extended package of documents, it is better to pay attention to other loan programs.

A cash loan with proof of income allows you to get a loan with a lower rate of 16.99%. To do this, you will need to provide a certificate of 2-NDFL for the last six months. You will also need a passport and an additional document. For payroll clients of the bank, these documents will be enough, while for new clients, one more document will need to be added to confirm solvency. This, for example, is a passport with information about a recent border crossing, a VHI policy, a PTS, a certified copy of a work book. Such a set of documents makes available a loan of up to 1 million rubles. Alfa-Bank does not favor individual entrepreneurs and business owners. If in other banks they can confirm income with declarations, then Alfa-Bank accepts only 2-personal income tax.

When car loans, in addition to confirming income, you must provide information confirming the length of service. It must be at least 3 months. A copy of the work book will be required from the borrower. When obtaining a mortgage, you will also need a complete package of documents for co-borrowers, which is similar to that provided by the borrower. You will also need specific documents for the acquired property and / or collateral.

Alfa-Bank is also active in the POS-lending market (lending at retail outlets for a specific product). Purchases in stores are often made spontaneously, so buyers rarely have the entire package of documents with them. Such loans are issued only one at a time, and decisions are made extremely quickly. But due to the high risks associated with this type of borrowing, it is characterized by extremely unfavorable conditions - high overpayments and interest rates. Therefore, it is more appropriate to issue loans not directly at retail outlets, but at a bank branch with the provision of a full package of documents.

note

The mandatory requirements of Alfa-Bank for issuing a loan include the presence of a landline phone (work and / or home).

Helpful advice

To get a better interest rate on a loan, you should apply for it online.

Advice 10: What documents do you need to collect for a loan at Sberbank

Today, Sberbank offers various types of loan products. These are consumer loans, construction loans, home purchases, car loans and credit cards. The choice of a particular loan product determines the list of documents that must be submitted to the bank for processing a loan application. However, the execution of any loan is impossible without providing a passport and an application form.

Instruction

General package of documents. To apply for a loan at Sberbank, first of all, you will need a civil passport with a registration mark. Any citizen of the Russian Federation who has a residence permit in the region where the branch of Sberbank is located can receive a loan. When registering temporarily, you must submit a document confirming the temporary place of residence.

In addition to the passport, the borrower must have documents confirming income and a permanent place of work. The bank must provide a certificate in the form of 2-personal income tax for the last six months. As well as a copy of the labor, signed on each sheet by the employer and having a note that the employee is currently working. When applying for a loan, the bank also takes into account additional income.

When applying for a loan, it is impossible to do without a correctly completed questionnaire. The application form can be filled out at home by downloading the form from the official website of Sberbank, or directly at the bank office. The questionnaire contains all the information about the borrower: full name, passport data, registration data, contact numbers, information about the place of work. Filling out the questionnaire should be treated responsibly. The result of consideration of the application depends on how reliable the data is reflected in the questionnaire.

Additional documents provided to the bank depending on the type of loan. To apply for a home loan, the borrower must submit a mandatory set of documents to the bank. In addition, documents relating to co-borrowers or guarantors will be required to apply for a mortgage. After the approval of the application, an additional package of documents will need to be submitted to the credit institution: documents on the housing being financed and certificates confirming the availability of the down payment.

For any type of lending, the borrower will need a passport with a registration mark (but Sberbank allows for a temporary residence permit). In addition to it, you will need to provide documents that confirm the income of the borrower indicated in the questionnaire. This can be a 2-NDFL certificate with the obligatory indication of the phone number of the accounting department, 3-NDFL for individual entrepreneurs working under copyright or civil law contracts, tax returns, a certificate from the Pension Fund on the amount of the pension.

The following package of documents serves as confirmation of the work experience of the employee. It includes a copy of the work book (extract from it), which is certified by the employer page by page. Sberbank also accepts certificates from the place of work, which contain an indication of the position and length of service, or a copy of the employment contract. For large loans, you may be required to provide a copy of the diploma. The requirements for documents when issuing a consumer loan without security end there.

When securing in the form of a guarantee from third parties, Sberbank will need to provide documents on guarantors. Their list is similar to the one requested. Another type of consumer lending, which allows you to borrow large amounts from Sberbank, is a secured loan. In this case, you will need to collect documents on the subject of collateral. Among them, a certificate of registration of ownership and documents confirming its occurrence; extract from the Unified State Register of Enterprises confirming the absence of encumbrances; cadastral passport; consent of the spouse to register real estate as a pledge; permission of the guardianship and guardianship authorities in the case of minors registered in the apartment.

Auto loans at Sberbank can be obtained without proof of income. But for this you need to make an initial payment of 30%. With this option, the bank only needs to provide a passport and a second document (military ID, driving license, passport, etc.). In other cases, to obtain a car loan, you will need to confirm income and length of service. Also, the documents requested for car loans include a sales contract, a payment document from a car dealership (according to which loan funds will be transferred), a copy of the TCP passport, an insurance policy, and proof of payment of the down payment.

When on the secondary market, a preliminary sale and purchase agreement with the seller and documents on the acquired property (housing passport, extract from the Home Book, certificate of the absence of encumbrances and debts to housing and communal services) will be required.

The most impressive package of documents accompanies the registration of a mortgage in Sberbank. In addition to the personal and financial documents of the borrower, when applying for a mortgage on an apartment in a new building, documents will be required confirming the rights of the developer to build a house; share agreement or sale and purchase agreement; documents for the developer company (if the house was not accredited by Sberbank). You will also need the conclusion of an independent appraiser on the cost of housing and an extract from your personal account confirming the availability of a down payment. When buying an apartment on the secondary market, you will need a preliminary sale and purchase agreement with the seller and documents on the acquired property (housing passport, extract from the Home Book, certificate of the absence of encumbrances and debts to housing and communal services).

To apply for a loan for a product in a store, you need to contact a credit consultant, who, as a rule, is located in the same building with a question about lending a particular product. If the product is included in the group of loans and you are completely satisfied with the terms of the loan, you need to fill out a questionnaire for a potential borrower. For consideration, you need to present a passport of a citizen of the Russian Federation and nothing more. For such consumer loans for goods, a decision is made within half an hour, which the manager immediately informs you about.

To apply for a cash loan, you need to contact a bank branch or website. But to get the maximum possible amount without collateral, it is better to appear in person. Of the documents with you, in addition to your passport, you must have a 2-NDFL certificate with the indicated salary for the last six months and one additional document to choose from:
- international passport;
- TIN;
- CHI policy;
- driver's license;
- pension insurance card;
If you are not a current payroll bank customer, you will additionally need to provide any of the following documents:
- policy of voluntary medical insurance;
- certificate of registration of your vehicle;
- a copy of the work book with the seals of the employer;
Almost all documents from the list are considered valid for 30 calendar days.

To obtain a car loan, the procedure differs only in that often the bank manager is in the car dealership where the car is bought. To obtain a loan for a car, the package of documents is identical with a cash loan, but a copy of the labor and income statement are already mandatory documents. There are also certain requirements for the borrower:
- the client must be 21 years old;
- registration must be in the region of Alfa-Bank branch;
- monthly income must be at least 8000.00 rubles. and be constant;
- work experience - more than a year;
Alfa-Bank does not work with non-residents of the Russian Federation.

To buy an apartment on credit, in addition to a package of documents for an individual - the borrower, the same package is provided by guarantors, and this is a spouse / ha, children over 18 years old, parents, close relatives. Select the apartment you are planning to buy. Check with sellers if they agree to sell on credit, as often people do not want to do this. It is obligatory to take from them all documents on the right to real estate and copies of their passports. You must contact the bank together, as everyone fills out their own questionnaire.
When lending collateral, the bank has the right to require other documents that it deems necessary to confirm the necessary information.

note

On the points of the questionnaire and the loan agreement, which are written in the smallest print, since they usually contain the most important information.
In addition to the loan agreement, there is a real interest rate, the overpayment should be calculated only on it.

Helpful advice

To get a lower interest rate, you must submit a full package of documents for any loan.
Filling out the questionnaire on the site is most suitable for obtaining a credit card.