Buying goods on credit has long been not something unusual or extraordinary. The reasons for the loan can be completely different, for example, the breakdown of the necessary equipment in the house. Be that as it may, but before trying to get a loan, you need to take into account many factors that can increase the percentage of approval from the bank.
Necessary
- - personal income tax certificate;
- -copy of the work book;
- -the passport;
- - pension insurance certificate.
Instructions
Step 1
Select the banks from which you would like to get a loan. The selection options can be completely different. Remember that the general interest rate is the same in many banks. Look for banks that are currently offering interesting loan programs that are part of promotions.
Step 2
Find out the bank's requirements for the borrower. Pay attention to the age and the existence of an official form of earnings. Carefully study the package of documents required by the bank when applying for a loan.
Step 3
If you decide to take a cell phone on credit, then keep in mind that this product belongs to the high-risk category. Banks are very reluctant to approve applications for the purchase of a phone on credit. In this case, you should prepare yourself as best you can. Bring with you not only your passport and "second document", as many banks require. Bring a certificate of official employment and income statement for the last six months.
Step 4
When filling out the questionnaire, indicate as much information as possible. Indicate the phone numbers of close relatives and their addresses. If you have real estate or a vehicle, be sure to mention this. Remember that banks are more loyal to people with good credit history and stable social status.
