Can I get a loan for a military ID. A loan on a military ID: is it possible to get it. Simple solution: "Simplified package of documents"
Men, in addition to the standard package of documents for the bank, are often required to provide a military ID.
But it happens that they urgently need money, but they don't have a military ID on their hands. What to do in this situation and where to get a loan without a military ID?
Why does a bank need a military ID?
Banks demand military ID from men for several reasons.
Firstly, a military ID is more difficult to counterfeit than, for example, a passport, so such a document is a good insurance against fraud.
Secondly, if a man has already served, then there is no risk that he will be taken into the army until the moment full repayment debt.
This fact is a kind of guarantee that the loan will be returned to the bank, since if the borrower joins the army, he will lose his source of constant income, and most likely no one will pay on his loan.
And you can also add that when a man has already given his debt to the Motherland, then he becomes more mature and responsible, which means that he will take the loan much more seriously.
Where to get a loan without a "warrior"?
If a man needs to buy something, then you can simply place a purchase in a store. After all, many shops selling the same household appliances can sell goods on credit or even in installments; for such a loan, a military ID is not needed - as a rule, only a passport is required.
The situation is similar with. Here, too, you can do without the "warrior". Just issue a car purchase with a deposit.
Another option could be. You can order it in most banks and even online, while the borrower will only need a passport and a place of permanent work.
Well, if you need money in cash, then you should familiarize yourself with the terms of loans in different banks and choose the one in which you do not need a military ID.
Updated: 04/01/2014 Created: 04/01/2014
Loans are very popular today. Almost everyone adult citizen at least once in his life acted as a borrower. Every day, financial and credit organizations "throw out" new and more profitable offer for their clients. Unfortunately, most of them require a military ID to be issued. But is it possible to do without of this document? When is it necessary? The military ID in the hands of the borrower is a confirmation that the man is liable for military service. The document is required for presentation when registering for military service, registering, applying for a job. And, as already mentioned, it is often indispensable without it when applying for a mortgage or consumer loan.
If the ticket is not on hand, then the borrower will have to spend a lot of time collecting required documents... To apply for a loan without a military ID, you will have to prepare a citizen's passport, TIN (pension certificate), an application for a loan, a certificate of income and a certificate from the military registration and enlistment office. Each potential borrower already has one part of the documents on hand (passport and TIN), and the other will need to be drawn up at the place of work and at the district military registration and enlistment office.
What steps do you need to follow in order to get a loan without a military ID in the shortest possible time?
Proof of your identity and income over the past six months is a mandatory requirement for most banks. As for a military card or a certificate from a military registration and enlistment office, male borrowers under 27 years old cannot do without it.
When applying for a loan, identity documents are required. The main document is a passport of a citizen of the Russian Federation (in some cases, you can present driver's license). In addition, a number of banks require a TIN or a pension certificate (if the loan is drawn up by a pensioner). In some cases, any secondary document that would confirm the identity of the borrower may be suitable.
When registering a large amount in a bank (for example, in the case of signing a mortgage agreement), a prerequisite is the provision of collateral. If the borrower fulfills this requirement, then you can get a loan without a military ID.
The borrower must be between the ages of 21 and 65. Most banks, if possible, check the client's solvency. If we are talking about a large amount, then it may be necessary to have a rich guarantor (his property can be a security for a loan in case of default by the main borrower). If there is a guarantor, then getting a loan without a military ID is a piece of cake. If the client is taken to the army, the guarantor will pay off the loan.
In situations where a military ID is needed to receive funds (and it is not available for various reasons), the person liable for military service will have to go to the military registration and enlistment office to obtain a certificate. The document must indicate that a specific person will not be drafted into the ranks of the army for a certain period. If a citizen has already served, and the military ID is simply lost, then it is necessary to obtain a document confirming this fact.
When applying for a loan, you should carefully study the agreement, which should indicate commissions and monthly payments. It is also important to see if the agreement contains a clause on the object of the pledge, which will be charged by the bank in case of late repayment of the debt. Otherwise, when financial problems there is a possibility of property confiscation.
A military ID is a document confirming military duty. Its presentation is necessary when registering with a military registration and enlistment office or for registration. However, for the issuance of mortgage or consumer loans, such a document is not required, since loans are issued not only to those citizens who are subject to military service.
To apply for a loan without a military ID, you will need:
- personal passport;
- another document (insurance pension certificate, TIN);
- income statement;
- statement;
- certificate from the military registration and enlistment office;
- document from the place of work.
According to statistics, every 4th borrower has problems with loan repayment. To reduce their risks and protect themselves from potential losses, banks add new requirements to the list of documents. One of these conditions is the provision of a military ID. This certificate will, of course, only be required for young people of military age to demonstrate that they are legally or are not in military service.
So, where to get a loan without a military ID? What documents are required for this?
Conditions
Money is given out for general conditions... At the moment, not all large financial institutions require a military ID from young people. The likelihood increases in the case of a large loan. Thus, banks:
- are protected from fraud, since such a document is much more difficult and more expensive to forge than a passport;
- reduce the risk of losing a client who may be drafted into military service;
- additionally reinsured by the presence of one more document.
Without a military ID, it is enough just to buy household appliances. Usually it is issued immediately in the store. And if many people always carry a passport with them, then a military ID is only a few. Also gaining popularity
Interest rate
The interest rate will not differ from the usual one. It can only be affected by the presence of a guarantor and a formalized salary card at this financial institution. On average, the overpayment rate will be 15-20%, depending on the chosen program. There is a high probability that a document will not be required when applying for a loan of up to 100 thousand rubles, as well as credit card.
List of required documents
Funds are issued to persons over 18 years of age. In addition to a military ID, bank representatives may require:
- financial statement;
- passport;
- statement.
Financial institutions prefer to deal with already served clients for subjective reasons. It is believed that the army makes a person more collected and responsible, therefore, a client who has completed military service is considered by many organizations as more reliable.
In our life, sooner or later situations arise that require a certain amount of money and, as always, at the very moment when this very money is not available. Borrowing from relatives and friends is not always convenient, and they may not have the required amount. Therefore, to solve this kind of problems, many of our fellow citizens turn to various financial institutions... Basically, the list of documents required for processing a loan in all organizations is almost the same - this is, first of all, a passport and some other additional identity document. In some cases, the bank requires that this very second document must be a military ID. However, not everyone can provide it.
Why do creditors need a military ID?
Naturally, when applying for a loan, this document can only be required from men whose age is in the draft range (from 18 to 27 years old). According to experts, banks have their own reasons for such a requirement. First, in this way, lenders try to reduce the risk of "running into" scammers. It's not a secret for anyone that nowadays there are more cases of obtaining loans for stolen or fake passports. But it is one thing to forge one document, and quite another - in addition to the passport, there is also a "military soldier". Secondly, banks are afraid that a guy who has not reached the age of 27, and at the same time does not have the appropriate document on the passage of military service, may at any time be drafted into the ranks Russian army... All would be fine, but what should the bank do in such a situation if it nevertheless gave him a loan without a military ID? How can you then "ask" your money from a serving borrower? In addition, a potential client who has served in the army inspires confidence in the creditor, since the urgent military service Is not a resort, but a kind of school of life. And therefore, according to some experts, a man who has served will be more disciplined and will treat a loan more rationally and balanced.Where can I get a loan without a military ID?
In connection with the increased competition in the credit market, many banks, in order to attract more clients, decided to simplify the conditions for issuing loans. First of all, this affected the number of required documents. It's not a secret for anyone how many advertising slogans are now encountered that one can borrow only with a passport. And the first example of how you can get a loan without a military ID are loans issued directly at points of sale. In this form of borrowing, everything is designed for an impulsive decision to purchase a particular product on credit. As a rule, almost every person has a passport with him (especially in big cities), but only a few have a “military man” with them. Therefore, almost anyone can register, if only credit history was okYou can also try to get a loan without a military ID and for the purchase of a car, which will subsequently act as a guarantee of repayment. borrowed money... In such lending, the bank's risks are minimized. Even if the borrower is taken into the army, the bank will be able to realize the collateral and compensate for its costs. Even without providing an additional document, you can take an express loan in cash, but this is in case you do not really need large sum(no more than 50-70 thousand rubles). Also, loans with a minimum package of documents include the issuance of a credit card. Naturally, initially you will be assigned a relatively low limit of available funds - in the region of 20-30 thousand rubles, but if you actively use the card and regularly make monthly payments, you can count on a regular (about once every 6 months) increase in the limit ... And finally, I would like to say about loans from microfinance organizations. As you know, in them, except for a passport, no one will require anything else. However, the price to pay for this simplicity will be relatively small amount loan and unrealistic high interest rates(in general, their size is at least 700% per annum).
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