How to get a cash loan without a certificate of income?

It's no secret that today most of the populationThe Russian Federation lives off loans. This is a direct consequence of the international economic crisis, as a result of which millions of Russians were below the poverty line, and hundreds of banks went bankrupt. In recent years, the Government of the Russian Federation has been actively developing bills regulating the work of such organizations and protecting the rights of ordinary investors and borrowers. At the moment, the most popular loan option is a cash loan without a certificate of income, which will be issued with pleasure in any bank with the appropriate department. Each client is guided by different parameters of the issued loan: one is important speed of registration, the other - the maximum amount that can be obtained, and the third - the minimum package of documents.

Today, getting a cash loan without an income statement is incredibly easy. It is enough to bring 2 documents to the bank:

1. A passport with a valid residence permit in the region where the main office or branch of a credit organization is located.
2. The second document proving the identity of the borrower.

Although "get" a cash loan without a certificate ofincome and guarantors is quite simple, the borrower will have to agree to pay huge interest - up to 70% per annum. Such a large overpayment is associated with the desire of the bank to level its own risks. The maximum amount that can be obtained in this way is determined by the legislation of the Russian Federation and amounts to one and a half million rubles, but in a rare bank one can receive more than 500 thousand rubles. The same situation with the maximum period for which you can get a loan. In law, he is 5 years old, but in reality it’s rare for someone to arrange a program for more than six months. To obtain the necessary cash loan without a certificate of income, exceeding the amount of 500 thousand rubles. will have to provide the banking organization with the signature of the guarantor or collateral object.

Cash Loan Limits:

• if only two documents are available - up to one and a half million rubles;
• in the presence of a guarantee and a pledge object in the form of a car - from a half million rubles. up to three million rubles;
• in the presence of a pledge in the form of a real estate object (apartment, private house or land plot) - up to ten million rubles.

To take a cash loan without a certificate ofincome, it is not even necessary to visit a bank branch. It is enough to find a special application on the official website of the organization and, having filled it, send it to the manager. Within two hours from the bank in the telephone will come a notice of rejection or approval of the application. After that, you must visit any branch of the selected bank and submit the originals of these documents. It should be remembered that a banking organization has the full right to reject an application and not give a cash loan without a certificate of income after examining all the provided papers.

It is worth remembering that, making such a loan, the clientsometimes agrees to pay up to 70% per annum. Therefore, you must understand exactly why you need money. If the need for them is small, then it is much more expedient to collect a full package of documents in order to get “soft” credit conditions and a decent amount for a long time.