Currently, make a loan, having only two documents are not uncommon. Many credit organizations, to attract new customers, make an emphasis on the fact that even the purchase of a car client can arrange a passport and driver’s license.
Mandatory everywhere is only a passport. Most often, men under 27 require a military ticket.
Loan issuance programs in 2 documents in car loans are higher than, for example, consumer loans. This is explained by the fact that the Bank has a vehicle in pledge, and even if the client is insolvent, the credit institution will still be able to return its money.
To select a particular organization, the borrower should be deciding for what purpose he decides to acquire the desired loan, as well as the amount and terms. But it is important not to overestimate its financial opportunities so that there are no problems with further payments.
Requirements for this type of lending have certain differences in different banks, but they are not serious. As a rule, to take a loan using 2 documents, sufficiently correspond to some conditions, such as:
If you receive salary through Sberbank or other similar bank with low loans, that is, it makes sense to get a loan first in it as a client. The presence of a salary, cumulative or retirement account is for the creditor indicator of the client’s reliability and provides additional guarantees for the return of the loan. The interest rate on such a loan will be lower. But if the bank refused a loan, then you can contact any credit institution that provides loans on two documents.
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