Documents required for taking out a loan. What documents are needed to apply for a loan. Additional documents confirming the identity and social status of the borrower

Need money urgently? Are you thinking about the possibility of taking out a loan, but do not know if you can apply for the loan you need? Then all the relevant information is collected in this article especially for you. We will pay special attention to the bank's requirements for the client, documents, methods of filing an application and possible reasons for refusal, as well as reveal the secrets of increasing the chances of a positive decision on your application.

Borrower requirements

Depending on the chosen financial institution, the requirements that any client applying to must meet are generally almost identical:

the borrower must be a citizen of the Russian Federation, and in most cases also have a residence permit in the region where the bank is located;
the age of the borrower can start from 18 years old (some banks set limits from 21 years old on some loan products), and the end of lending should be up to 65 years old (in rare cases, banks lend to people under 75 years old);
a prerequisite is a clean credit history and a small credit load: all this is carefully checked by bank managers through the credit bureau;
a loan can only be obtained by those who have been officially employed in the last place for at least 6 months (very rarely from 3 months) or can provide real statements of a stable receipt of money from other sources of income;
to obtain a serious loan, the amount of income is very important: if it is enough only for a living wage, it is useless to count on loans.

Of course, this is not a complete list, but it is the basis for most banks.

What documents are needed to take out a loan?

In addition to the formal requirements for the client, there is a certain set of documents that the bank requires from the client:

a valid passport of a citizen of the Russian Federation;
document confirming employment (labor, contract);
in the case of an individual entrepreneur, there is a need to provide an extract from the USRR;
a certificate from the place of work in the form of 2-NDFL or a declaration confirmed by the tax inspectorate is required;
if there is unofficial income, you must provide statements from the bank or electronic money system;
for men, an additional rule has been established: those wishing to apply for a loan under 27 years old must have a military ID with the appropriate marks to avoid delays in payments.

Depending on the purpose of lending, as well as the size of the requested loan, guarantors or collateral may be required (if a mortgage is meant as a way of lending), in each of the cases a certain package of documents is also drawn up.

How to apply for a loan?

In order to apply for a loan, first of all, you need to determine for yourself a suitable bank and a loan product that fully meets your capabilities and needs. If a bank is chosen, for example, Sberbank, then on the official website you can find information on how to apply for a loan for both business purposes and consumer lending.

Possible options

Among the available methods, there are only two:

Make an online application for a consumer loan you like according to the conditions, having previously calculated it on a loan calculator located directly on the page of the proposed loan product. Anyone can use such an application, however, special preference is given to the already existing clients of the bank who have a personal account;
Personal appeal to a convenient bank branch. This method of application simplifies the procedure for choosing the right loan product, since an authorized loan manager will select an agreement on the spot that fully matches your financial capabilities.

Reasons for refusals

Of course, the bank may find a lot of reasons for refusing to issue a loan, and it has the right not to explain exactly what reason you have. But in general, there are 10 main reasons for refusal that everyone should know:

the income you receive is insufficient to process the loan you requested;
non-compliance of the client or his documents with the requirements of the bank;
Lack of an official place of employment;
the client must have a permanent registration;
the presence of convictions in the client's personal file, and even more so for financial fraud;
special attention is paid to the place of work, and people involved in hazardous professions (firefighters, rescuers, police) are most often refused;
previously tarnished credit history or too large a credit load;
the borrower does not have contact information in the form of a landline phone;
knowingly providing false information about income;
the bank has exhausted its own credit limit in the reporting period.

How does the bank check loan applications?

After submitting the application and documents for verification to the bank, each client undergoes a thorough check:

for the compliance of the conditions put forward both to the client himself and to the documents;
customer assessment by key factors using a scoring system;
checking credit history through specialized sources;
checking the place of work and employer;
full check of the future borrower in all possible bases for criminal records, debts and other black spots in the dossier;
bank risk check based on your income and workplace in conjunction with your credit history.

How can you improve your chances of being approved?

To increase their own chances of approval of any requested loan, the client should worry about such nuances as:

your credit history;
the correctness of filling in all documents;
commensuration of own income and determination of an adequate loan amount;
the presence of savings or savings.

What kind of loan can you expect?

Let's think realistically, the higher and more stable the constant income, the higher the amount that the bank can issue to a bona fide borrower. For the bank, the client's solvency plays a key role, because his main income is interest, and more of it can be earned on larger loans issued for long periods.

Therefore, if you are the owner of a salary of 25 thousand, and you expect to receive a loan for 5 years in the amount of 2 million, then you should not even hope for such a loan. But for the implementation of current plans for repairs costing no more than 100 thousand, it is quite possible, especially if you divide the payments of months by 12-18.

What do you need to get a loan with delays?

I would like to draw your attention to the borrower's credit history. If at some point it was tarnished, we are all not without sin, this is not a reason to panic. Of course, it is impossible to remove this stain from the credit base, but you can always contact the bank with a guarantor or collateral, which will become the guarantor of the return of the loan you received.

Another quite affordable way to get a loan is to use the services of a bank that does not pay attention to the disadvantages of your credit history. But there are serious drawbacks here: even if you get a loan, in addition to it, you will be rewarded with huge, and in some cases unaffordable, interest rates of up to 50% per annum.

What do you need to borrow a phone?

In order to obtain such a small loan, as for the purchase of a mobile phone, you need to comply with the requirements of the bank, which we described above, and choose the most comfortable way to pay off the debt. In most cases, with an average earnings of 25 thousand, it will be enough to issue a loan for 6 months and pay off the phone in payments of 3-5 thousand.

And also do not forget that the hardware store may also be offered to issue an installment plan, and most likely, you will not even be checked for possible gaps in your credit history, all you need is to meet the minimum set of criteria for selecting potential customers.

Nowadays, you will not surprise anyone with the availability of loans, this banking service has become a part of the daily life of a modern person. The variety of services offered allows you to find funds in any situation, regardless of the purpose of use. However, the requirements are constantly changing, so the question of what documents are needed for a loan does not lose its relevance. It is not possible to give an unequivocal answer to it, because either its refinancing has different requirements for an individual. However, a number of general rules can be identified that are similar for all banking institutions.

Basic documents required for a loan

If you plan to attract financing to a particular banking organization, take into account one of the main rules: the more the creditor is confident in the applicant's solvency, the more favorable terms of cooperation he is ready to offer. In this case, all conclusions are made on the basis of the documents provided. Additionally, the credit history is checked.

Consequently, if you refuse to provide, for example, a statement of income or from a place of work, the bank automatically considers this as insufficient reliability and seeks to reduce its risks primarily by overstating the interest rate.

When looking for an answer to the question of what documents are needed for a consumer loan, you are guaranteed to come across offers for express lending. Here it is enough to have a passport and any second document from the list offered by the bank.

Such a simplified registration procedure helps to get money as quickly as possible, however, it implies increased costs for servicing the loan.

In this regard, if possible, try to submit the most complete package of documents.

What does the list of documents for a loan include?

Consider the application procedure using the example of the two largest banks - and. As a general rule, what documents will be required to obtain a loan depends on two factors:

the category to which the client belongs;
lending purposes.

Despite the many nuances, you can highlight those materials that will be requested in any case. These include such as:

application form (filled in on the official form, which can be found on the bank's website or in any of its branches);
passport of a citizen of the Russian Federation or other identity document (it must contain information about registration);
certificate of income for the last 3, 6 or 12 months or in the form of 2-NDFL;
a certified copy of a work book or employment contract as proof of your employment;
SNILS or TIN;
for men - military ID;
for pensioners - a pension certificate.

It is important to remember that the presence of registration (temporary or permanent, in the region of the bank's presence or on the territory of the Russian Federation) is a prerequisite for obtaining a loan. If the passport does not contain a mark about the place of permanent registration, you must submit a document confirming registration at the place of stay (temporary).

Under certain circumstances, the answer to the question "in order to get a cash loan, what documents are needed" is expanded. In particular, if a potential client has not reached the minimum age established by the bank (most often it is 21 years old), he will need to involve a guarantor. Accordingly, a birth certificate (or another document confirming relationship, for example, a certificate of adoption) will be added to the package of necessary documents.

You should be prepared for the fact that the bank may ask for additional information. For example, a marriage certificate (in particular, when changing the surname) or the birth of a child.

On the contrary, for some categories of clients, the procedure for obtaining a loan is simplified. In particular, for payroll clients, the documents are much less numerous. They only need a passport, while the credit conditions do not worsen.

In the event that there is a need to attract guarantors or co-borrowers, complete information is also collected about them. In particular, a passport is required, as well as documents confirming employment and financial status.

The requirements for a particular loan product should be clarified directly at the bank itself. Each of them adheres to its own position. For example, when answering the question what documents are needed for a loan at VTB, a copy of a work book or an employment contract will be mentioned only if the requested amount exceeds 500 thousand rubles.

We should also mention such a service as. If you have found an option to receive funds on more favorable terms, to conclude a new agreement, you should add the following to the standard set of documents:

valid loan agreement;
certificate of the amount of existing debt.

Consideration of the submitted documents takes a certain period of time. Pay attention to the fulfillment of all the requirements of the bank (check for seals, signatures, certification marks, and so on). If there are any shortcomings, a bank employee has the right not to accept an application for a loan, which will further lengthen the period for resolving the issue.

There is a standard package of documents for applying for a loan in almost any bank.

What documents are included in it?

Citizen's passport.
Borrower questionnaire.
Loan application.

When providing these documents, it is necessary to take into account that copies of all completed pages of the civil passport are taken. They are certified with a stamp and personal signature of a bank employee.

Many banks combine a questionnaire and an application.

The application form is filled out according to the client's words in the bank's automated system, printed out and sent for verification and signature to the client.

Additional documents

4. Document confirming employment.

A copy of the work book or a certificate from the place of work, a copy of the employment contract or contract.

5. Certificate of income.

Certificate of income in the form established by the bank, or in the form 2-NDFL with the signature of the responsible employee and the seal of the organization.

6. For men under the age of 27 - military ID or another document confirming the deferral from military service.

The above documents must meet minimum registration requirements: have all the necessary signatures and stamps, each page is certified. In this case, the document confirming employment must contain information about the position held and the terms of work, and the certificate must reflect income for at least six previous months.

If you have official sources of additional income (pensions, rental income, etc.), be prepared to provide supporting documents.

Consumer loan

When applying for a consumer loan, it is possible to reduce the interest rate by providing additional documents.

7. Driver's license, vehicle registration certificate or vehicle passport.

8. Certificate of registration with the tax authority (TIN).

9. Insurance certificate of the FIU.

10. Passport.

11. Available insurance policies(for example, a policy of compulsory medical insurance, OSAGO, CASCO, etc.).

12. Certificate of ownership of real estate owned by the borrower (ownership or shared ownership);
documents confirming the presence of securities or account statements.

13. Copies of previously executed loan agreements, certificates from banks about the absence of overdue or current debt, or statements of loan accounts.

14. Certificate of conclusion (dissolution) of marriage, birth of a child.

If you are applying for a loan for the purchase of goods (for example, household or office equipment), a bank representative may request an invoice from the store-seller. If you are planning to get a loan for education, be prepared to provide an agreement with an educational institution and a copy of the license confirming the right to conduct educational activities.

In more detail, you should dwell on the list of documents for obtaining a mortgage loan or a loan secured. When lending secured by property, banks require the provision of both standard and additional documents described above, as well as certificates and certificates, not only describing the collateral object, but also confirming your ownership of it.

List of documents for mortgage

Originals of documents confirming your ownership of the property (contract of sale, exchange, donation, as well as a court decision, a certificate of the right to inheritance or a resolution of an authorized government body).
Certificate of state registration of property rights.
The cadastral passport and the floor plan of the building (in the case of registration of the property more than 5 years ago) - can be obtained from the BTI.
A cadastral passport for a land plot to be pledged (issued in the Cadastral Chamber).
Building permit (if a loan is issued for the construction of a residential building, but only a land plot is pledged as collateral).
Extract from the Unified State Register of Rights to Real Estate and Transactions with It (USRR).
Extended extract from the house book.

List of documents for a loan secured by a vehicle

Vehicle sale and purchase agreement.
An invoice issued at a car dealership upon purchase (for new cars).
A copy or original of the vehicle passport (PTS).
Vehicle registration certificate (for vehicles previously used).

It should be noted that if you are officially married, then upon receipt of a positive decision by the bank on a loan secured by real estate or a vehicle, you must provide the written consent of your spouse or spouse to register the property as collateral for the loan.

You will also need a receipt or statement confirming the fact of payment of the initial payment.

Do not forget to draw up an insurance policy and present a document confirming its payment, an opinion of appraisers, etc.

An employee will acquaint you with a more complete list of documents according to the requirements of a particular bank during the consultation and execution of the transaction.

When concluding a surety agreement for an individual or lending to individual entrepreneurs, credit organizations may put forward additional requirements. This is also worth talking about in more detail.

When the borrower is an individual entrepreneur

There are a number of documents required to be provided by a borrower - an individual entrepreneur. This includes:

A copy of the tax return in the established form 3-NDFL or when applying the simplified taxation system for the previous year, as well as the last reporting period.
Original and notarized copy of the certificate of state registration of an individual entrepreneur.
Statement of accounts from the bank in which the individual entrepreneur's account is kept for the last 6-12 months.
Documents confirming the implementation of activities (they can be contracts concluded with suppliers, acts of work performed, etc.).

If the loan is issued under the guarantee of an individual or with the presence of a co-borrower, the bank will require the same package of documents from your guarantor as from you, the only exceptions are documents confirming the ownership of the property acting as collateral.

The completeness of the package of documents directly affects the decision of the bank.

It is not always necessary to dwell on the standard list of documents. To obtain a loan on more favorable terms, you should make some effort and better prepare for the application.

Sometimes there is no time to wait for the day of the salary or the accumulation of a certain amount. There is a situation when you need to buy something for which there is not enough money in the family budget or not at all. There is a way out - take money on credit. A loan can be called an agreement between two parties - a client and a bank on the issuance of a certain amount of funds with agreed conditions and terms of return. Human needs are growing, there is not enough money for everything, but I want to update equipment, organize recreation, and open a small business of my own. In order for the bank to approve the required amount and issue a loan, it is necessary to collect documents and certificates.

A set of documents for processing and obtaining a loan with confirmation

The company's monthly turnover is from 50 to 100 million rubles.
Full support.
200 people is the minimum staff of the company.
The package of documents includes: 2-ndfl certificates, a bank form with information on income, a copy of the work stamp with a seal and, possibly, a copy of the company's charter (on demand).
Confirmation from the company, 100% guarantee.

Credit and its purposes

The need for loans is due to the low level of income. People who go to the bank for a certain amount of money can pursue goals that are completely different in scale:

Vacation, health improvement, treatment.
Purchase of household appliances, gadgets.
Purchase of real estate or a car.
Investing in your little business.

Having received a certain amount on a loan at interest, you can afford a lot for a comfortable life. If a person goes to a bank branch and takes a loan, then he already declares himself as an intelligent, prudent and solvent client.

Have you made a decision to take out a loan?

At the moment when a person has decided that he needs to take out a loan and has already determined the missing loan amount, he must take care of the documents for applying for a loan. This process is laborious, takes a lot of time and effort. It is necessary to fill out a questionnaire and collect documents and certificates according to the list:

customer questionnaire and application;
Russian passport and a copy of all pages;

certificate with information about the place of work, indicating the position and length of service;
copies of a work book or employment contracts and so on.

Convince the bank

The primary task is to convince the borrower of the ability to repay a certain amount on time. The most important factor is the correct execution and availability of all documents for obtaining a loan. Otherwise, the loan will be refused. It is not profitable for the bank to take risks, since people can be dishonest and irresponsible.

The main problem of the client, which occurs quite often, is the insufficient salary. In the 2-NDFL certificate, an amount may be indicated that does not even reach the minimum threshold. But the client may think that this is enough and he will be able to repay the loan body and interest on time due to a stable income. In this case, he may be refused and not issued a loan.

Buy certificates for a loan

To dispel all doubts and avoid possible misunderstandings, you can buy documents for obtaining a loan from us.

It will not take much of your precious time, nor will it take a lot of effort, will not create nervous situations. Challenge us with the task of collecting documents, and continue to do your own thing and enjoy the result. We guarantee fast and high-quality registration. All documents prepared by us comply with the standards and requirements of the bank.

Ivan Radchenko 04/11/18

Thank you for your help, I had a great vacation with my family and even had money left for redecoration in the bedroom.

Reading time: 3 minutes

A consumer loan is the most popular type of loan in banking and microfinance organizations. This is the name given to the inappropriate loan issued by banks to individuals for the purchase of goods and services for personal needs. What documents are required to obtain a consumer loan - we will talk about this further.

Consumer loan: essence, types, general characteristics

The essence of such a loan is lending to final consumption. A consumer loan enables the population to purchase goods and services, paying for them gradually, in partial installments. Thus, consumer credit increases the living standards of the population and their purchasing power.

The main criteria for a consumer loan:

availability;
the value of the interest rate;
terms of provision;
maturity dates;
the borrower's ability to repay the loan.

The subjects of the loan we are considering are:

banking and microfinance organizations (lenders);
trading establishments;
population (borrowers).

Important! The main guarantee for the provision of a consumer loan is the constant financial income of an individual - the borrower, that is, his solvency.

Consumer loans are classified according to different criteria, depending on which we can talk about loans:

short and long term;
secured (with collateral) and unsecured;
with an initial payment or without an advance payment;
loans in cash or on a card;
one-time and renewable;
with an annuity or differentiated repayment schedule, etc.

Note! Sberbank of the Russian Federation is the leader in the Russian consumer lending market.

The documents required for obtaining a consumer loan are one of the first questions that arise from potential borrowers. Having this information, a person can save time when contacting a banking organization. It is equally important to know about the nuances of filing documents.

List of documents

The list of documents for consumer lending is determined by the internal rules of the credit institution. Each organization is free to reduce to a minimum or, conversely, supplement the general list typical for any loan. The conditions for submitting documents depend mainly on the credit program, as well as on the client's credit history. A complete list of documents, as a rule, can be found on the bank's website or specified directly at the branch. But we will consider the main series of documents that are most often required by employees of a credit institution.

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The required documents, which will be asked in any organization, include a passport and a Taxpayer Identification Number (TIN). Recently, many credit institutions, especially microfinance ones, have been trying to limit the client to only these two documents. The simplicity and instantaneousness of obtaining a loan is very attractive to potential borrowers. To this end, lenders are trying to simplify this procedure to a minimum. It is worth clarifying that quick loans are possible only if a small loan amount is received.

Note! The more accessible and simpler the terms of lending, the more expensive a bank loan is for an ordinary consumer.

A more extended list of documents will be needed to receive a large amount or if the borrower is recognized by the bank's employees as not very trustworthy. In such a case, the client may be required to provide:

certificate of income in the form of 2-NDFL;
a copy of the work book;
guarantor documents (passport, TIN, income statement).

Remember! The more documents the bank requests to obtain a consumer loan, the lower (on average by 2%) the interest rate on the loan is usually.

Also, some other documents may be specified; it already depends on the loan program. So, if a loan is issued against the security of a car or real estate, then in this case it will be necessary to provide title documents (for example, TCP or documents for real estate). If the borrower has an insurance policy, then it will also need to be provided. In the case of a loan issued for a student, a copy of the student card will be required; for a pensioner - an appropriate pension certificate.

Thus, the borrower must provide a passport and TIN, the need for other documents is determined by the type, consumer loan program and the borrower's status.

How and where to submit documents?

Having collected the necessary documents for a consumer loan, the client hands them over to a loan officer and fills out an application. In cases where he himself, for some reason, cannot do this, then the transfer of documents is carried out through an official representative by power of attorney. You can also send the papers by registered mail with a list of attachments. But at the same time, each copy of the document must be notarized.

After reviewing the loan application, checking and evaluating the documents, the bank employees will confirm the loan application (but they can also refuse!). Further, an agreement is concluded and signed between the lender and the borrower. At the same time, on each copy of the documents, the borrower puts his signature, indicates the date of the conclusion of the contract and confirms that the copy corresponds to the original. The bank employee signs the signature in the same way.

Sometimes the client is offered to place the scanned documents in the Personal Account. But this is allowed mainly for long-term clients of the bank. For example, if he receives a salary in this bank and he has a Personal Account.

The suggested tips are designed to simplify the procedure for obtaining a consumer loan, go through it without fuss and as quickly as possible. Consider the following:

An income statement is an important guarantee of your ability to pay. Therefore, if you are offered to take a loan without a certificate of income, check if there is an option that includes a certificate from the place of work in obtaining a loan. Sometimes loan officers specifically keep silent about the fact that with this certificate, a loan can be obtained on more favorable terms.
Do not send documents by mail or scanned documents. It is best to contact the credit department and personally provide the documents.
Even if you have prepared all copies of the necessary documents, take the originals with you, otherwise you will have to return for them.
When choosing a loan program, pay attention to the options for submitting more documents. As a rule, such loans are more profitable, since each document increases the reliability of the client. An exception is made when the borrower is a regular customer of the bank. In this case, sometimes a passport is sufficient. All the necessary information is already available in the bank database. Sometimes you don't even need a passport: some banks simply send an SMS to the client with a transaction confirmation code. After all, there is also a photograph of the client in the bank's database, so it will not be difficult to identify his identity.
A complete list of documents, mandatory and additional, will be required only if the credit history of the potential borrower is zero, that is, he did not take a loan from this bank before, but wants to receive a rather large amount, and this is why additional confirmation is needed.
To protect yourself from possible misunderstandings in the future, ask the bank employee for an official statement confirming the receipt of your documents, which will indicate the names, series, registration numbers.

Important! You should categorically not leave the originals of your documents (except for the income statement) to the bank employees! The loan officer is only obliged to verify the information in the original and the copy, but he has no right to pick up a personal document for some time.