Decided to take a loan? How to increase the chance to get it?

Credit (lat. Creditum - loan from credo - believe) the provision of money or goods in the duty (to use the terms of repayment period) and, as a rule, with the payment of interest.

Decided to take a loan? 

Note that despite the extensive advertising, get a loan not so easy.

So, what can not be done!

1 can not be coming in for an interview at the bank, is a "poor lamb" about you probably think that you will not be able to repay the loan.

2 You can not deceive broker, bank manager (in any bank runs a serious security service, and you will learn about what you yourself have already forgotten).

3 You can not bring in the bank "cunning" documents (bought residence registration, and so on. D.)

What should I do to increase your chance of getting a loan.

memorize:

1. The first person you meet in the bank - the manager. He is the first person to give your response to credit committee. So we must try to please him (her). Speak cultural, try to estimate its qualification (even if it's absolutely nothing you did not explain).

2. Show that you are quite wealthy and can buy an apartment, a commodity, make repairs without resorting to credit, but just do not want to spend that amount now.

3. To confirm your solvency you need to submit to the Bank the relevant documents (which is dependent on the requirements of the bank, it can tell you a broker who works with the bank every day).

4. Do not be lazy to collect additional documents - this is your additional warranty!

5. Your mobile phone should be available continuously. If you repeatedly can not reach from the bank - it's a reason to deny your loan.

6. To date, there is another requirement of the bank - you agree to provide information about you to the credit bureau. If you cancel your bank may refuse to grant funds.

Note the list of documents that requests tend each bank.

Required documents for the individual, the employee:

- A copy of all pages of the passport

- A copy of driver's license

- A copy of the work book (all pages), certified by the employer company with a note that the employee works for now. Signature of person attesting to the work book, and printing must be on each page. On the first page - Name (completely) and position of the person certifying the work book.

- The second document (passport, certificate FIU)

- An income statement on Form 2-PIT or in free form (possibly in the form of bank)

- If the borrower is married - a copy of the marriage certificate, passport / her spouse.

Depending on requirements, the bank may request additional documents.

Where to get the money? Savings in our lives.

Everybody needs money, and always, and it is desirable - as much as possible. Money do not leave anyone indifferent. They are so firmly established in modern life that related problems can disrupt the plans, dreams, relationships, destiny and even destroy life. In the pursuit of prosperity, people often forget is that we have to live "here and now" and not to postpone until later life, on "That's when I get rich ...".

Where to get the money? 

So where's the solution? And he is very close to Sberbank is always ready to substitute its citizens in the form of lending arm.

Loan - a loan of money, which is issued for a specified period and for specific purposes. At the same time there is a list of certain conditions, compliance with which is mandatory for both parties - the outstanding loan and get it. The client returns to the bank loan within a certain period, paying interest as a reward for service.

1. Loans to individuals every year improved, loans are available to all large segments of the population, simplified procedure of registration, gradually declining interest rates. Hundreds of thousands of Russian citizens monthly style loans for a variety of needs. To obtain a loan of Sberbank of Russia, we must meet certain requirements. Today Sberbank Russia offers various types and interest rates on loans to individuals. Securing the loan consists of suretyship and collateral.

2. You want to get on the car, but low on money? Car loans come to the rescue of the Savings Bank. Sberbank is ready to provide all interested persons a car loan for the purchase of both new and used vehicles foreign and domestic production. Loans are provided by two programs: "Bound program" and "standard program". They are issued for a period not exceeding 5 years and only the citizens of the Russian Federation not younger than 18 years who have official confirmation and sufficient credit for monthly income.

3. If you need funds to purchase expensive goods (furniture, appliances, etc.) to receive the second higher education, or simply to make the journey in Luba country in the world, it will help in all these matters consumer credit Sberbank. This is one of the most common types of credit, but it has some limitations and features that you should know in advance.

4. Housing issue ... Do you want your house as old as the world. And fortunately, its embodiment in life is made available to the wider population. Developed three programs of housing loans: loan on a property in the Savings Bank, Savings Bank mortgage loan and credit "Mortgage +". Mortgages in the Savings Bank for each type of lending has the features to be aware of in advance.

5. If you need to send money, do not get lost - please contact the Savings Bank. Remittances through Sberbank - it is available and convenient. Transfers are made in Russia, the CIS countries in the CIS countries. And the translation can be done without opening the account or the account of the deposit. In addition, Sberbank of Russia pays remittances in foreign currency received from abroad. Remittances through Sberbank - it's convenient and secure.

6. Do you want to get specific prestigious profession, and training you can not afford? Try to contact the Savings Bank: the end of 2006 educational loan from Sberbank issued for simplified conditions. This credit can receive Russian citizens aged 14 years, who are planning to enter the educational institution providing training on commercial (paid) basis, as well as train students for a fee.

Education credit is given a lump sum or installments, within the available balance limits approved by the borrower. Issuance of educational loan is only by bank transfer to the account of the educational institution. Transfer of credit for education is made as students presenting Russia's Sberbank relevant documents of the educational institution.

Gone are the days when it was possible to rely only on his cherished kopilochku-egg capsules, where to draw the cash reserves, deferred diligently to unforeseen and unforeseen expenses. Now the slogan "Keep your money in a savings bank" can be changed to: "Take the money in a savings bank!" As can be seen from any financial difficulties, you can find a way out, and will help in this reliable partner - Sberbank of Russia.

Is it terrible crisis, as it is painted?

Over the past few months the phrase "global financial crisis" is already crammed nauseam simple townsfolk. What to do, if our lives are inextricably linked with money, and money, in turn, just as inextricably linked with the banks? Willy-nilly, we have to delve into the processes taking place in this area. But there is a silver lining: this knowledge will help sober look at the situation in the Russian banking sector, and not to worry from ignorance. And we will try to make the presentation of this knowledge as simple and affordable.

So, put all on the shelves and start with the basic concepts. In today's world banking system of any country is one of the important and integral structure of the economy, playing a crucial role in its development. Banks have become part of our lives and provide the most diverse services - from traditional banking operations to the latest forms designed to meet the highest demands and needs of its customers. Therefore, the stability of the banking system is extremely important not only for the implementation of monetary policy in the state, but also for the quiet life of the population.

With banking operations, most of us face regularly. For example, remittance allows to transfer money anywhere in the world in the shortest possible time. Many banks are participants in specialized transfer systems. These systems have tens of thousands of points of service in the various countries of the world. But the most important thing for us: they are a kind of litmus test in assessing the performance of banks. After all transfers go through the chain of interconnected elements of the banking system. Failure of at least one of them immediately affect the operation of the entire circuit.

Audited by the example of the international money transfers and payments CONTACT. Firstly, because it is the first Russian system of international money transfers and payments, created the Bank "RUSSLAVBANK" (JSC) in 1999. Second, it brings together more than 1/3 of the Russian banks. Since it employs more than 600 banks in the CIS countries and abroad. Third, the system meets the requirements of the international quality standard ISO 9001: 2000, providing customers with high quality, competitive services. Fourth, it has more than 40,000 locations in 86 countries, including more than 4000 points in 900 cities of Russia.

Fifthly, CONTACT - the only money transfer system, offering customers a wide range of payment services. In the office of banks operating system CONTACT, you can pay for the goods and services of about 300 organizations. This cellular and satellite communications, Internet services and IP-telephony, utilities and packages. Clients systems can repay consumer loans, deposit accounts and perform a variety of other payments.

Thus, we have chosen a system, given its scope and range of services, it can serve as an objective indicator of the quality of the work of many Russian and foreign banks.

"Today, the volume of transfers CONTACT system continues to grow, remittances are clearly and without delay. We track every transfer - says Vice President Bank "RUSSLAVBANK" (ZAO) Irina Shipilova. - Analyze calls people to support their Internet access. Number of complaints on the work of partner banks in total appeals did not exceed 0.01%. This is the standard for the number of complaints CONTACT ".

In difficult conditions prevailing in the global financial markets at the moment, bankers far abroad seriously thinking about refocusing its activities on a commission business. A money transfers and payments are one of the most rapidly developing areas of the business. Especially because customers need these services has increased steadily. And the growing popularity of CONTACT - visual confirmation. Number of people use the services provided for the ten months of 2008 exceeded 10 million. People. For comparison: in 2007 for the same period the system was 7.7 million. Clients.

And now let's summarize. It is absolutely clear that the payments and remittances have been and will be an integral part of our lives. And this means that the banks that provide these services will continue their work.

The global financial crisis, of course, influenced the situation in the Russian banking sector, but all issues can be resolved and do not threaten the stability of the Russian banking system. Unfortunately, the media often portrayed the negative information that can inflate unwarranted panic. And this, in turn, makes people ill spontaneous actions. So the main thing - keep calm and objectively evaluate the information coming from the outside. The only way you can make the right decision regarding your chosen bank.

Crunching whether electronic money?

Paradoxically, it is absolutely virtual electronic money has become in today's world is quite an objective reality. They are becoming increasingly popular, and our fellow citizens a means of circulation for a long time are not new, even for those who do not "live" on the web. Moreover, this ephemeral intangible substance, existing in the form of certain computer codes very specifically and effectively materialize as an effective means of payment.

Essentially electronic money does not yield the usual, crispy. With their help, you can pay for everything on the web - and a variety of services (Internet, mobile communications, satellite TV), including utilities, and the desired products (both electronic and real). An incredible array of online stores offers customers books and CDs, medicines and household chemicals, clothing and footwear, household appliances and automobiles ... In the West, with the help of the "e" -deneg already sold and leased property. Just like a real electronic money can not just spend, but also to earn, you can easily transfer them to another person or organization.

In all of this, being functionally completely equivalent to the traditional paper money, electronic have many very tangible benefits:

  efficiency (eg, electronic goods paid in real time and with instant delivery);
  no need for direct contact between the payer and the recipient (pay no queues, 24 hours a day, not adjusting to the schedule shops or banks, all without leaving your home or office);
  opportunity for micropayments (how else can you really quickly and without embarrassment arrange translation, say, in the amount of two rubles?);
  confidentiality calculations (information about the details of transactions known only to their members, while there is always a way to track your money);
  information is encrypted electronic wallet so that the attacker does not get to it (all payments are made on a special secure scheme);
  a much lower percentage during payment, and even no interest at all.

In short, it is clear that the modern world is inconceivable without this service, and electronic money, extremely convenient and mobile, you just need to be friends. However, their undoubted convenience and all the obvious advantages are impossible without the introduction of the virtual space of real money. Because virtual money obtained from the cash yet.

Do this procedure quickly, efficiently, safely and hassle-help international money transfers and payments CONTACT. CONTACT take help can anyone in any bank operating in the system CONTACT. Perhaps such a bank is very close to your house - the amount covered by the CONTACT settlements constantly increasing. This quick and reliable service has such a wide network of payment throughout Russia that of its rich list of service points easily choose the closest and most convenient for you at the moment.

So, to make regular cash in your "wallet" that is, to convert real money into electronic, you need:

  come at any point of accepting payments CONTACT;
  Inform cashier on electronic wallet system which you need to transfer money across the network CONTACT;
  identification, report the transfer amount and your account number;
  pay the amount and get a receipt.

To display the virtual means of electronic payment systems, turning them into conventional paper money, you need to choose the most convenient currency exchange listing CONTACT:

  Make a proper request for the specific site of the payment system in its electronic purse;
  come in the selected item payments CONTACT;
  Inform cashier, from what payment system you need to get transfer via CONTACT;
  provide proof of identity, report the amount and number of transfer;
  get cash.

It turns out that e-money - it's the most comfortable and most maneuverable means of payment today, no wonder they have almost become an indispensable attribute of our lives. Their agility competes c tasty crunch usual bills with unprecedented success. And the active development of the service payments and transfers CONTACT significantly expands the range of possibilities IO these most superdeneg in and out of the virtual space, and because the service points of the system are practically everywhere in walking distance - in our ever increasing reality it is very convenient.

Have a dream? CONTACT helps!

This story happened recently with one guy from our company. Acne (call it so) came to us to work after graduation, was young and inexperienced in the affairs of life. So unconditional patronage over it took our Marya Danilovna which from time immemorial we have worked as an accountant and has a pathological need to take care of and teach. She has recipes for all occasions. And they, as axioms, not subject to discussion.

Hearing once that Acne dreams to go to Europe to buy a car, she actively took up the resolution of this issue. Contact the right people, Marya Danilovna organized "introduction" to the group Vitalik peregonschikov cars. Then gave him a thousand and one piece of advice on how and where you need to hide money in such a trip. At any objections she responded that the surest way not to lose them - is to always have them with you. And even wanted to bring Acne special "miracle belt" for storage of notes on the body under clothes ...

Fortunately, the male half of the team in time to intervene in the process, and after a stormy debate modernity won conservatism - it was decided to take the money by credit card! Seemed to choose the most convenient and safe option. Even Mary Danilovna eventually gave its "Approved-with." In general, we are blessed Vitalik all department responsible for such a journey, and he went on a journey for his cherished dream, taking with him a little money for the trip and international plastic cards.

Travel were serious people, not too much talking and not ask normal men, in general. They went by car, stopping at the gas station, turning in cafes and snack break, a couple of times went to the local supermarket. In short, ride the ride. And here is a very apt phrase, there were no signs of trouble ... But the law of meanness has not been canceled, and it always works flawlessly, and in the most "appropriate" time.

It so happened that the very last gas station at the exit of the store Acne, removing the card, for a split second and not get distracted by it in the wallet department. If not asphalt, and he could not hear the sound of falling plastic. Turning around, the guy accidentally stepped right on the card. Of course, brittle plastic could not withstand 80 kg build muscle - Card plaintively snapped ...

It all happened in a matter of seconds, Acne just numb with shock. Travel, examined the map, came to the sad conclusion that it is now unlikely to take the ATM. Practical checking of cards in the nearest ATM is confirmed. To say that Acne upset - it's nothing to say. He completely lost his head and was just desperate.

- Do not worry so, two hours will be in the final point and solve your problem, - said one of peregonschikov. - The main thing that was who immediately borrow the necessary sum in Russia. Have you got a man?

- Yes, of course. I could ask my brother ... But what I had to borrow money right now?

On the way he explained everything in detail. It turns out that many people do not just do not carry with them large sums of money, but even sometimes refuse to and from cards: they simply forward the money to your name in the local bank! And then come to choose a car, get a money order to pay for purchases and go back.

- There are banks working with our Russian money transfer system CONTACT, - explained Acne companion - and we often use it. It is very convenient and safe system: it has more than 40,000 locations in 86 countries around the world. I am sending before leaving himself Visitors coming - get. And no problem! So call his brother tells him the address and name of the bank, even sends money.

- So we're thousands of miles from home! When else will come the money? - Disappointedly gestured totally crestfallen Acne.

- Do not worry! Money will come in a few hours after you send them a brother. Just let it be sure to tell you the number and amount of the transfer - it will ask you to bank upon receipt of the translation. So call and went to the car to choose.

The finale of the story, I think, is clear without further ado: Acne arrived at krasivenko foreign car, which had long dreamed of. A system of international remittances CONTACT found in his face one more loyal and active user agitator: Acne us all ears buzz about how it is comfortable and cool, and it is strongly recommended to use this method, going on vacation. Even Mary Danilovna imbued!

Our hero was just lucky that next to him at the time were people who knew about this system firsthand. And for those who urgently need help, for example, the nearest service point of CONTACT system at a particular location, the system has a CONTACT Spyur with a single phone: 8-800-200-42-42 (toll-Russia, by the way, free ).

What else good system CONTACT? It turns out that not only does it help you with translations, but also with the usual payments. This is the only money transfer system, offering customers an even and wide range of payment services. In the office, working with the CONTACT system of payments can be paid cellular and satellite communications, Internet services and IP-telephony, utilities and packages, to repay consumer credit and top up the bank account, and much more. Now the system has about 300 partner organizations, for the use of goods and services which can be calculated using the CONTACT.

Performance and reliability CONTACT each year attract more customers: for eleven months of 2008, its services have been used more than 12.5 million. People (in 2007 for the same period the system was about 8.7 million. Clients). And money transfers and payments via CONTACT system comply with international quality standards ISO 9001: 2000, which confirms the annual international reputable audit company BVC. In general, if you ever take advantage of the system CONTACT, it is unlikely that only then will look for something else ...