What do you need for a bank loan? Agreement with the bank - what certificates are needed for a loan? Full list of documents for applying for a loan

When we decide to take a loan, usually the package of necessary documents turns out to be the most frightening. So that you do not get confused in the lists of the necessary papers, in this article we will place lists of documents for the most popular loan products.

Please note that the required list of documents may vary in different banks. Therefore, it is better to come or call the bank and clarify the information.

Documents for obtaining a consumer loan

The minimum standard package usually contains:

An application for a loan from a borrower, filled out in the form of a bank. This document is valid for 1 month from the date of its signing;

Passport of the borrower with copies of all its pages, including blank ones;

Copies of all completed pages of the client's work book, officially certified by the employer.

In addition to the work book, you may be asked to provide a certificate of income (usually 2NDFL). It should contain information on cash receipts for the last 3 months. If, in addition to the main income, there is an additional one, it must also be indicated.

Some banks now issue so-called express loans, where a certificate of income is not required, the client himself indicates the amount he receives.

A second identity document may be required - a passport, driver's license, pension certificate.

Documents for obtaining a mortgage loan

Mortgage loan application and bank application. Sometimes an application can be filled out on the bank's website, this saves you time and speeds up the procedure for obtaining a loan;

A copy of all pages of the passport or a document replacing it;

A copy of the state pension insurance certificate;

A copy of the certificate of registration with the tax authority of an individual at the place of residence in the territory of the Russian Federation (on the assignment of a taxpayer identification number (TIN));

A copy of all pages of a military ID for men of military age;

Copies of education documents (certificates, diplomas, etc.);

Copy of marriage/divorce certificate and marriage contract (if available);

A copy of the child's birth certificate;

A copy of all pages of the work book, certified by the employer;

Documents confirming income.

General list of documents for issuing a loan to an individual

1) application;

2) a passport or a document replacing it (for the military);

3) certificates from the place of work of the borrower and guarantors on income, as well as the amount of deductions made (pensioners will need to take a certificate from the social security at the place of residence);

4) declaration of income received, certified by the tax office, for those who are engaged in entrepreneurial activities;

5) questionnaires;

6) passports (documents replacing them) of guarantors and mortgagors;

7) to obtain a loan for a large amount, it is usually required - a certificate from a psycho-neurological dispensary or a driver's license.

Documents for obtaining a car loan

questionnaire of the borrower/co-borrower;

passport of a citizen of the Russian Federation (copies of pages containing the last photo, full name, information about the authority that issued the passport and date of issue, information about registration or registration);

in the presence of temporary registration - a document confirming registration at the place of stay;

a second identity document, for example, a driver's license, military ID, passport, etc .;

a copy of the work book (extract from it) or a certificate from the employer, which indicates the position, length of service, a copy of the employment contract, income statement (2NDFL or in the form of a bank).

And also the credit manager may ask to provide:

1) a contract for the sale of a purchased car;

2) a payment document from a car dealership to pay for the purchased vehicle;

3) a copy of the vehicle passport;

4) an insurance contract against the risks of loss, theft and damage;

5) a document confirming the payment by the borrower of the down payment;

6) a document confirming the payment of the insurance premium (except when it is included in the loan amount);

7) an invoice for payment of the insurance premium, if it is included in the loan amount;

8) written consent of the spouse of the potential borrower to issue a car loan and transfer the acquired vehicle as a pledge to the bank;

9) a full package of documents for the spouse (wife): passport data, identification number and other documents (at the request of the bank);

10) marriage certificate (certificate of divorce);

11) bank certificate on the status and availability of open deposit, current, card and other accounts (submitted at the request of the bank).

Collecting the necessary documents for obtaining a loan is a process that requires certain skills, knowledge, experience and free time. Not everyone manages to do this on their own, and without a certificate of income they do not give a loan. And even if you go to the bank with all the collected documents, the chance of refusing to issue a loan still remains.

Therefore, our company is ready to assist you in such a troublesome business - you can buy all the documents for a loan from us. Our specialists know all the nuances of preparing the necessary documents, they will be able to advise you on any questions. With our help, your chances of obtaining a credit loan increase significantly, even with two documents.

We provide services for the execution of a package of necessary documents: for obtaining a consumer loan, for the purchase of real estate on a mortgage loan, secured, car loan (for the purchase of a car).

The price for a complete set of documents is 3000 rubles.

The set (list) of submitted documents consists of:

a certified copy of your employment record at the place of work;
2-personal income tax certificates with confirmation of official income;
bank statements;
supporting document from the current place of work.

As you can see, collecting such a package of certificates and documents is a very laborious procedure that can take you a lot of time and effort. In some cases, the number of documents for a loan can be reduced from 4 to 2.

Separately, it is worth mentioning all those who live in the city of Moscow, and who do not have a confirmed official income. For them, access to obtaining borrowed funds from banking institutions will be very limited. They have practically no real chances to get a loan for large amounts on favorable terms. But there is still a way out: to buy a ready-made package of all the necessary documents for obtaining a credit loan with a guarantee in Moscow.

It is also necessary to take into account the fact that the requirements put forward by various banks to a potential borrower may differ, which means that the list of documents provided will also be individual for each organization.

The main advantages of working with us:

prompt execution of absolutely any document or necessary certificate;
correct filling of all necessary information that does not contradict and fully satisfies all banking conditions and requirements;
providing additional reference information, which contains a detailed list of reliable banks offering to take a loan on favorable terms, and the necessary recommendations on the procedure for submitting a loan application to the bank;
favorable conditions, affordable prices, various forms of payment;
100% reliability of the entire transaction.

We give a guarantee for our services. Our company has a wide and extensive network of branches. Each is officially registered and absolutely legally carries out its activities. We provide all necessary reporting. All transactions are accounted for and entered into the database. Our regular customers have been choosing us for several years.

You can always buy documents for a loan with confirmation from us! We draw up all the necessary documentation for absolutely any financial institution specializing in issuing credit loans. We guarantee that using the services of our company, you will definitely receive all the necessary amount of money for any purpose!

Documents for obtaining a loan: how to draw up correctly?

Carefully study all the collected documents, every comma, signature and seal. Everything must be filled out in legible handwriting, without blots. The information must be true and not contradict all the requirements and conditions put forward by the bank.

A common problem in such cases: issuing a 2-NDFL certificate. In our country, quite often the official salary is significantly underestimated, and sometimes it does not even reach the minimum value, and the bulk of the money is given out in an envelope.

For a banking institution, such a certificate is not suitable. The Bank considers the application of each client based on confirmed official income. The potential of the possibility to repay the loan taken is being studied. For calculation, the bank can only accept income indicated in the document. Other sources of income that cannot be confirmed by an official document, as a rule, are not considered by the bank.

All such troubles can be very easily avoided. It is enough to use the services of our company. This will help you avoid wasting valuable time. Buying documents for obtaining a loan in Moscow is a guaranteed way to avoid bureaucratic obstacles.

Buy documents for a loan online: quickly and easily

To purchase a package of all necessary documents, just contact our branch located in Moscow and other cities. You can also leave an application online and select the necessary documents using our website or by calling us! We know what papers are needed for individuals (including pensioners) and individual entrepreneurs require credit institutions.

Reviews about us

Our clients respond positively about us, noting the following in their reviews:

Affordable prices;
Completion in 1 day;
Real documents, certificates with seals and signatures;
Confidentiality;
It is possible to order in other cities of the Russian Federation;
All documents meet the requirements of banks for taking a loan;
The opportunity to buy certificates for individual entrepreneurs, individuals, military personnel, pensioners, the disabled.

Documents for a loan in Moscow banks

You can buy documents from us for such banks as:

Sberbank, Alfa, VTB, Raiffeisenbank, Russian Standard, MKB (Moscow Credit), Promsvyazbank, Gazprombank, Russian Agricultural Bank, Post Bank, Rosbank, Otkritie, Binbank, Sovcombank, National Bank Trust, Uralsib Bank, Citibank, AK BARS, SMP, Russian Capital , Ural Bank for Reconstruction and Development, Novikombank, Vostochny, Tinkoff, Moscow Industrial, Home Credit, Bank Accept JSC, Transcapitalbank, Svyaz, Vozrozhdeniye, Rosevrobank, BCS Premier, Deltacredit, MTS, Rosgosstrakh, Avangard, Credit Europe, OTP, Renaissance Credit, Globex, Baltinvestbank, Soyuz, Intesa, Mercedes-Benz Bank Rus, Setelem, Moskommertsbank, Housing Finance, Solid, Aleksandrovsky, Baltic, Finservice.

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 be 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 the full cost of the 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.

Loan processing involves the provision of a certain package of documents to the bank. It may differ depending on the selected financial institution. Moreover, some of them generally require only a passport, but this is more an exception than a rule. Let's look at more common options.

Required package of documents

Sample list:

Passport. You will need not only the original, but also a copy. However, bank employees can independently copy this document.
Salary information. Usually the form is provided by the bank itself, but the standard varieties issued by the accounting department are also suitable. The settlement period depends on the requirements of the bank and can be either 3 months or several years.
Employment history. The Human Resources Department will not release the original, but is required to make a copy and certify it.
Military ID. Relevant for men of military age. If a person has not yet served, a refusal may follow, as there is a high risk of joining the army, leaving the debt outstanding.
Driver's license. Applies to car loans. Sometimes it is required as an additional identity document.
Retiree certificate. Relevant for loans offering unique conditions for pensioners.
Ownership documents. Important for all loans that require collateral.

In addition, there are still papers necessary for a loan that cannot be prepared in advance - an application for a loan and a client questionnaire. They are provided by a bank employee in the form established by them.

This list can be supplemented depending on the requirements of the bank. In some, additional documents may be required, for example, for a guarantee, while in others, some of the above will not be needed at all.

How to make an application?

The application that a borrower must fill out to receive a loan may differ from bank to bank, but the general principle is always approximately the same:

In the upper right corner is the text to whom the application is addressed. Usually it looks something like this: "To the head of the board of SuperBank Ivanov I.I."
In the middle is the heading "Statement".
Then comes the text in approximately the following form: “I ask you to provide a loan in such and such an amount for such and such a period at such and such interest.”

The remaining elements of the statement may already be very different. For example, you may need to indicate sources of income with estimated amounts, confirm the absence (presence) of other loans, and much more.

Documents for consumer credit

Consumer credit is the most common and standard loan option. The package of documents, as practice proves, one way or another corresponds to the list presented above. Much depends on the amount of the loan agreement. In some cases, you will need to verify all sources of income in order to get the maximum possible. In others, especially if you need a small amount, one passport will be enough. Collateral is rarely required and mainly depends on the loan amount.

Documents for mortgage lending

The list of documents for a mortgage loan (that is, for the purchase of real estate) is usually more serious than for a consumer loan. First of all, because of the large amount. Yes, proof of income is required. Some banks are ready to issue a mortgage without it, but the percentage will be much higher.

The main difference is the deposit. When applying for a mortgage loan, collateral is always required. Most often, it is the purchased property, but in some cases it may be another apartment / house that is already owned. As a result, title documents are required for the property that will be pledged. It is likely that an independent assessment will also be required. The bank must understand how much the collateral could potentially cost, and this will have a decisive impact on the amount of the loan.

Filling out and submitting an application

The process of obtaining a loan begins with the submission of an application that provides access to the client's personal data to an employee of a bank or other financial institution. You can apply at the branch or on the website of the organization chosen for cooperation. Some microfinance companies and banks allow you to fill out a questionnaire through the official mobile application. It takes from 30 minutes to 5 days to consider the application.

The application must indicate:

Reliable passport details.
Current phone number and email address.
Selected type of loan product.
Approximate amount of regular expenses and income.
Loan amount and loan duration.
Information on current credit transactions (if any).
Information about the place of employment and work experience.

Before sending an application, a potential client must agree to the processing of personal data. This permission will allow employees of the financial institution to perform the scoring procedure. Otherwise, the organization does not have the right to store customer information. The signing of an agreement that regulates the processing of confidential data guarantees the protection of information within the framework of banking secrecy. In the event of a leak of classified information, the responsibility lies with the institution that failed to protect the data.

Applying for a passport loan

Passport - the main document confirming the identity of the borrower, which provides comprehensive information for the lender. Passport data is required when applying for any loan without exception. Even when receiving express loans, clients of microfinance organizations are obliged to provide a passport or its electronic copy. However, notarization of the document is not required.

The passport states:

Surname, name and patronymic of the borrower.
Number, series, date and place of issue of the document.
Owner's age.
Citizenship and address of permanent residence.

With the help of a passport, a financial institution can obtain a photo of a potential client and information about the current composition of the family. In addition, banks do not issue loans to non-residents and have every right to refuse to cooperate with persons who provide false or outdated information.

With just one passport, you can get:

Quick loans from microfinance organizations.
Secured loans secured by property in a pawnshop.
Online loans from electronic payment systems.
Commodity credits in brick-and-mortar or online stores.

We bring to your attention 4 banks where you can get a loan by presenting only a passport:

Interest rate
from 9%

Term
up to 5 years

Sum
up to 1.5 million rubles

Application processing time from 30 minutes to 1 day

Interest rate
from 7.5%

Term
up to 5 years

Sum
up to 1 million rubles

Instant decision; redemption without commission

When changing passport data after the conclusion of the transaction, it is recommended to transfer the updated information to the service organization. However, you should not freely distribute confidential data. Copies of the passport can be used by attackers to issue loans to third parties. The victim of swindlers will have to pay off someone else's loan or prove in court that they were not involved in the loan.

Providing a second document to choose from

In the process of applying for quick loans and consumer bank loans, usually, in addition to an application and a passport, you have to provide a second document for the choice of the borrower. Financial institutions on their official websites list documentation that a borrower can use to verify their identity. If you need to apply for a loan at the office, the list of documents is easiest to get by contacting the organization's hotline.

As the second document when applying for loans, the following is used:

Taxpayer identification number - a digital code that is assigned to an individual or legal entity, indicating tax registration..
The insurance number of an individual personal account is an identifier of an insurance certificate of compulsory pension insurance."> SNILS.
International passport.
Copy of work book.
Diploma of Higher Education.
Driver's license.
TCP for the car.
Military ID.
Pensioner's ID.
Ownership of real estate.

Thus, the second document is required to confirm the identity of the borrower. Usually clients provide a TIN, but some institutions insist on SNILS. In turn, a foreign passport, according to which the borrower traveled abroad over the past year, significantly increases the chances of concluding a transaction.

Two documents can be issued:

Consumer bank loans and installments.
Fast loans with improved transaction terms.
Entry level credit cards.
Special loans for loyal customers of the bank.

Credit conditions are automatically improved upon the provision of two documents. Many banks issue consumer cash loans under an accelerated scoring scheme, which involves prompt verification of the borrower's identity. In addition, institutions allow the client to independently choose the second document.

Solvency confirmation

The decisive factor in the lending process is the provision of an income certificate confirming the solvency of a person applying for a large bank loan at a minimum interest rate. It is impossible to get a profitable loan without this document. However, some organizations offer instead of a standard certificate to provide an extract from bank accounts or a document in the form of a bank.

To confirm the solvency of borrowers, the following documents are used:

Help in the form 2-NDFL for individuals.
Tax return form 3-NDFL.
Help in the form of a bank, including for accounting for additional income.
Extract from current bank accounts.
Certificate from the pension fund.
The number of a valid debit card of the bank selected for lending.

Some institutions require you to provide both a certificate of income and an extract from a bank account to verify solvency. However, potential borrowers can only get by with transferring the number of the debit card participating in the payroll project to the credit institution.

Providing documents confirming the receipt of a stable income allows you to issue:

A credit card with an increased limit of funds.
A consumer loan for a large amount at a low interest rate.
Targeted short-term loan without collateral.
A loan product for clients of a financial institution on preferential terms.

Experts at the scoring stage study income for the reporting period of at least three months prior to the filing of the application. The level of earnings should provide a sufficient amount of money to make regular payments. The best option is when monthly payments on loans take no more than 40% of the official income.

Form 2-NDFL confirms the fact of tax deductions by the employer, therefore the document is considered preferable for the creditor. If a certificate cannot be obtained for good reasons, a bank form should be used, which also takes into account related and irregular income.

Proof of work experience

Documentary evidence of work experience is required to obtain the most favorable loans. Having an employment contract with an employer guarantees a stable income. The optimal work experience for obtaining loans is usually six months or more. In this case, the total experience must exceed one year.

The following documents are used as proof of employment:

A copy of the employment contract.
Copy of work book.
Help from place of work.
Characteristics of the employee.
Information about the employer.
Contact information of the enterprise.

Additionally, you will have to leave in the application information about the place of employment, including the TIN, the current name and contact phone number of the enterprise. A call to the accounting department or the personnel department will allow the lender to receive confirmation of the data provided by the client. An employee of a financial institution does not have the right to transfer information about the terms of the transaction to third parties, including the employer. As a result, verification of the fact of employment and work experience is carried out by examining the documents provided by the borrower.

Experience of 12 months at the current place of employment is required to obtain:

Consumer loans with a minimum rate.
Target loans of various types.
Private loans, including from the employer.
Loans under loyalty programs.

An employer can assist in lending to employees by issuing cards for making payments under a salary project. In this case, all the necessary information about the potential client is transferred to the bank along with the application for issuing a debit card. The constant receipt of wages to an open current account at the same time proves the solvency of the borrower and confirms the length of service specified in the application.

Documents to secure the deal

The provision of collateral in the form of collateral or guarantee opens up access to a range of loans with the lowest interest rates, extended terms and extremely favorable loan amounts. For a bank, collateral reduces the risk of default. If the borrower refuses to cooperate, the institution has the right to receive compulsory compensation for losses by selling the pledged property or engaging a guarantor of the transaction. Security with a pledge or surety is always secured by an agreement.

Provision of collateral

Personal or joint property of the borrower is used as collateral, the value of which covers the costs associated with the lending process. For security, vehicles, apartments, country houses and other real estate are most often used. If loans are issued through pawnshops, jewelry, antiques, household, computer and portable equipment are used as collateral.

The conclusion of a pledge agreement involves the provision of:

Passport and contact details of the borrower.
Official conclusions of property appraisers.
Documents confirming the right of ownership.
Permissions from the co-owners of the property.

Lenders accept only liquid property in excellent technical condition for collateral. We are talking exclusively about objects that, if necessary, can be quickly sold at auction. During the term of the transaction, a financial burden is imposed on the property. Alienation of collateral by sale, inheritance or conclusion of a donation agreement without the official permission of the creditor is prohibited.

Involvement of a guarantor

According to the guarantee agreement, the involved guarantor of the transaction voluntarily undertakes to repay the loan if the borrower encounters financial difficulties. Both close relatives and strangers or even legal entities (enterprises) can assume obligations to fulfill the terms of someone else's contract.

The conclusion of a guarantee agreement involves the provision of:

Passport and contact details of the guarantor of the transaction.
TIN, SNILS and any document of your choice.
Certificates and statements confirming the financial situation.
Documents from the place of work regarding employment.

Thus, the guarantor is required to provide a package of documents identical to that provided by the borrower himself. Guarantors repaying other people's loans may claim compensation for material damage. To do this, you will have to go to court. After the end of the litigation, the guarantor receives a cash payment or a share in the debtor's property.

To obtain insurance, you must provide the following documents:

A copy of the borrower's passport.
A copy of the concluded loan agreement.
Certificate of ownership.
Conclusions regarding the valuation of property.
Medical certificate in case of life insurance.
Employment certificate for disability insurance.

Obtaining a policy will reduce the loan rate by 2-6%. However, for cooperation with the insurer, you will have to pay additional commissions that offset any savings. In the event of an accident, part of the payments is covered by the insurance company, therefore, in the course of long-term lending, the policy is beneficial. However, during short-term loans, up to 12 months, it is recommended to refuse to apply for insurance.

The guarantee will allow you to:

Mortgage for the purchase of real estate.
Lombard loan.
Loan to buy a car.
Long-term target loan.

Lists of documents required for obtaining loans are provided on the websites of financial institutions. Institutions can also stipulate certain periods during which individual documents must be submitted for verification. For example, many certificates are considered valid for only one month.

A mandatory list of documents is not legally defined, so each financial institution has the right to put forward an individual list of requirements for the borrower. Many banks determine the optimal package of documents, taking into account internal policies.

Thus, an exhaustive list of documents allows you to get the most profitable loan with a low base rate, a long term of the contract and a large amount of borrowed funds. In domestic banks, the scoring procedure takes no more than 24 hours. As a result, the more documents the client provides, the higher the chances of gaining access to preferential lending terms.