Consumer without security. Consumer loan without ensuring - what it means, features, interest and reviews. These loans include

In life, often the moments when the money is needed urgently, and there is no mortgage property. And considering the fact that almost every citizen in our country has at least one loan, the search for the guarantor seems to be almost hopeless. In such a situation, the option remains only one - the passage of the bank for the consumer loan without collateral. What does it mean? In this article we will tell about what features, conditions, as well as a measure of responsibility for the non-repayment of credit funds.

Basic concepts

Consumer lending, not requiring provision, suggests a loan without mortgage property and guarantors. What purposes may be cash on such conditions? This money can be used for any purpose: repair, purchase of items, furniture or technology. This option is suitable in the case when money is necessary urgently. Such credit products include: a credit card, a cash loan or transfer to the current account, without collateral, intended for the acquisition of equipment or other goods. Consumer loan conditions without collateral are interested in many.

Requirements

Banking institutions are presented to borrowers a number of requirements:

• permanent registration in the region where lending will be carried out (some financial institutions can meet and allow issuance to temporary registration);
• the client's age can be in the range from 18 to 70 years (the older the potential borrower, the higher the likelihood that the bank may require the provision);
• the presence of a permanent place of work (the work experience in general should be one year, and at the last place of work - at least 6 months).

How to take a consumer loan without collateral, can be clarified in a particular bank.

From representatives of the strong half of humanity, a military ticket may be required. You may also need another phone number as an additional communication channel. If the loan loan is assumed to take into account the income of the family as a whole, then the requirements for her husband or wife will be similar.

Documentation

What documents are needed for a consumer loan without ensuring (what does this mean, we explained)? Of course, the list of documents in different financial institutions may differ, but mainly it is a standard set. Application for registration of a loan loan, a document confirming your identity, a second document, with which you can verify your identity (SNILS, passport passport, driver's license), TIN, a copy of the workbook, a certificate of 2-NDFL. In some banks, such documents may request such documents as a certificate from the Pension Fund, an account of an account in the bank, the tax declaration (for legal entities), and in some financial institutions only passports and income certificates are sufficient, but in this case it is not possible to count on a large amount worth it.

Consumer loan conditions without ensuring

The conditions for issuing borrowed funds can wear significant differences in different banks. For example, with good credit history and participation in the Bank's salary project, it is possible to obtain quite loyal conditions for the provision of a loan without ensuring. It can be a minimum interest rate, a larger lending period, the maximum amount as much as possible. But to mitigate the conditions of the bank may in some other cases. For example, the interest rate can be reduced if they make insurance against an accident or dismissal from the workplace. Consider how the conditions for granting a loan without collateral look like. The size of the minimum amount may be 15,000 rubles. The maximum possible amount in this case is no more than 1500 million rubles. Owners of salary cards and customers with net credit history can offer more amounts. Who is responsible for consumer loan without collateral? About this next.

Interest rate

The interest rate calculation is made individually, depending on the amount and loan period. When making insurance for a consumer loan without securing the interest rate will decrease some more. The minimum period is 3 months, and the maximum possible duration of the loan in this case can be 60 months. In very rare cases under special conditions, the loan period may be 7 years. Where is less percentage of consumer loan? This is a frequent question. We will understand below.

Extra options

As additional parameters, it can be noted: the absence of additional commission fees for the service and the issuance of a loan, the application period of the application is usually several days, depending on the bank. Clients need to be prepared for the fact that bank employees may consider the loan application very carefully and quite a lot of requirements impose to their future customers. In case of any doubts, the Bank's employees will most likely refuse to receive a loan without collateral. There are financial institutions that practice an unofficial type of ensuring when the submitted deposit is subject to accounting, but the loan conditions do not affect. This option is practiced if the value of the collateral is small, and the guarantor for some parameters does not satisfy the conditions of the bank.

What it means - a consumer loan without security, now we know. But where to go?

Overview of credit products of different banks

The review consists of a description of the credit products of the largest and well-known banks. Sberbank provides a loan without collateral on the following conditions: the amount of 15,000 to 1.5 million rubles, the period from 3 months to 5 years, the interest rate is from 14.5%. In the bank "VTB 24" Conditions are as follows: from 50,000 rubles. up to 3 million rubles., the period from 6 to 60 months, the interest rate is from 18%. Gazprombank - Amount of 30,000 rubles. up to 1.2 million rubles, the period from 6 to 60 months, the interest rate is from 16.5%. This short review makes it clear what consumer loan is without ensuring. Sberbank offers a good amount for a good time, but the minimum interest rate is installed only to salary customers that must submit the maximum package of documents. In the rest of the banks, the interest rate is higher due to the fact that the loan is issued without collateral. Nevertheless, this method of obtaining a loan has a number of advantages for both customers, and for banking organizations.

Advantages and disadvantages for customers

What does consumer credit without guarantors mean for a banking client? Consider the pros and cons. Among the positive factors, the following can be noted:

• in order to take this type of loan, you do not need to provide mortgage property and search for guarantor;
• the minimum number of necessary documents;
• fast time consideration of documents;
• a simple form of the loan itself;
• the bank does not control the spending of borrowed funds.

As negative sides, the following is usually noted:

• the interest rate on the loan without ensuring is much higher;
• the presence of high fines and penalties for the failure to fulfill the loan obligations;
• the size of the loan without collateral is slightly lower than when it is available;
• the Bank has the right to reduce the term of the loan at its discretion;
• the client who took a loan without collateral is responsible for its obligations to the bank with all its property.

The failure of the borrower, according to Russian legislation, is a reason for the conversion of the Bank to the judicial authorities with a claim that the client is recognized by bankrupt. In this case, all valuable property can be confiscated to cover the value of debt obligations.

What wins the bank?

What does it mean to provide a loan without collateral? Of course, one of the advantages of selling such credit products is their demand among customers, obtaining high income from the loan itself and a simplified system of consideration of applications for credit. Consumer loan without providing in Sberbank, according to reviews, very popular.

As minuses, high risks are usually called and a complex debt collection scheme in the event that the client refuses to execute obligations. Nevertheless, these credit products arise in the financial market for the reason that they are beneficial to banks. For customers, these credit programs are convenient if the urgent need for money arose, and they have nowhere to take them. Pros for customers are not only that these applications are quickly considered, but also in the possibility of early repayment of the loan by increasing the monthly payment. Who is responsible for consumer loan without ensuring? Of course, the borrower himself.

In general, customers are satisfied and they say that in some life situations this is a convenient tool that you can use correctly by correcting your strength before that. Negative reviews typically express those customers who could not conscientiously give debt, customers who have a credit history, or borrowers who could not submit any document to obtain a loan.

Use of intermediary services

How else can a consumer loan without guarantors be issued?

In a financial environment, when discussing credit issues, it is often possible to hear about such a person as a credit broker. These people promise to find you a loan offer on the most favorable terms, having studied all offers on the market. How can cooperation end for an ordinary citizen? In the event that you are lucky and you met a real specialist, then it will find the most advantageous offer for the client. If not, the situation may be very deplorable. There are certain nuances in dealing with such scammers who should alert you:

Output

Therefore, if you have the need to use the services of a credit broker, it is worth thoroughly analyze the proposals on the market and choose a broker, which has long been and successfully operating in this area, which can help you, and will not exacerbate the situation.

We looked at a consumer loan without ensuring that this means, now it is clear.

Secured loans are loans whose return is guaranteed by additional support. It may be a guarantee or support of the guarantor. Unsecured loans are loans that are issued without additional guarantees. They are less beneficial for the borrower, because they are drawn up for more stringent conditions.

Loans with the provision and their advantages

The bank wants to obtain a guarantee of customer solvency. If you are able to provide a loan, it can get more favorable conditions for cooperation and a large amount of loan.

The presence of high income is not a good guarantee of the return of funds.. The client may lose work at any time. As for the provision, it covers the risks of the lender if liquid is sufficiently.

Secured loans may be the form of mortgage loans or loans with guarantion. In the first case, the borrower provides its property as collateral (Apartment, Machine, Securities, etc.). When to participate in the credit deal is attracted, he divides the responsibility of the borrower in front of the bank. When calculating the permissible amount of the loan, the income of the third person (guarantor) is taken into account. Thereby you can significantly increase the size of the loan.

Credits without security

Without the provision of additional guarantees, the borrower can take a small cash loan, a loan on a plastic card, overdraft, express loan. Financial organization will not risk And to provide the client a significant amount of funds if it does not reinforce his deposit or guarantee.

A feature of unsecured loans are short lending and high rates. The Bank compensates for risks by improving the loan fee. The amount of possible loss creditor divides in advance between all borrowers. This explains unprofitable to the client without ensuring.

The plus of unsecured loans is the ability to quickly and without unnecessary references to get money (or at the expense). For example, cash loans without satisfaction may be issued on the day of the borrower's appeal. It will take much more time to receive a secured loan. The bank will need to evaluate the subject of the collateral, check the guarantor, and the borrower - to collect the necessary documents, arrange insurance, etc.

Loans with the provision and without such there are plays and disadvantages. When choosing an acceptable lending option, evaluate the program conditions. Do not forget to clarify information on the terms of the loan and the total amount of overpayments.

Sometimes the circumstances occur when a small amount of money is urgently required, but there is no property for transfer to deposit to get a loan. Given the greater loan load of the population, the guarantors currently also find difficult. The optimal output in this situation is to get a consumer loan without collateral and guarantors.

What it is

Unfortunately, not everyone understands what the "consumer loan without ensuring," and what it differs from the usual one.

Consumer loan without ensuring is a loan for consumer needs without providing collateral and guarantors, which can be spent on any purpose at its discretion.

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Optimally suitable for cases when speed and ease of money are important.

These loans include:

• loans in cash or on the personal account without collateral and guarantee in the bank;
• credit cards;
• unsecured loans in commercial points for the purchase of goods.

Requirements

To borrowers

Banks establish the following requirements for potential borrowers:

• permanent registration in the Russian Federation at the location of the bank, some banks allow temporary registration;
• age from 18-23 to 55-70 years;
• the presence of an official source of income;
• the duration of the employment experience at the last workplace should be at least 2-6 months, and in general experience - at least 1 year;
• for young people under 27 years of age, the provision of a military ticket or an asscript certificate;
• often, banks insist on the mandatory presentation of the contact phone number, preferably mobile.

When taking into account family income to the spouse or spouse, the borrower is presented the same requirements.

Required documents

To consider the possibility of obtaining a consumer loan without collateral to the bank are provided:

• application form of a borrower in the form of a bank;
• identity document (passport of a citizen of the Russian Federation);
• some banks are requested by the second document of the client's choice: Certificate TIN, driver's license, military ID, insurance certificate of state pension insurance, another document agreed with the bank;
• a certified copy of the employment recorder (not required in all banks);
• documents confirming income: certificate in form 2-NDFL or in the form of a bank, certificate from the Pension Fund, an extract on a bank account or a map, the tax declaration. These documents are provided if necessary in accordance with the terms of the bank's credit program.

The list of documents may differ in different banks. Some banks offer credit programs with the provision of two documents: passports and certificates of income.

Conditions

Conditions for credit proposals differ significantly in different banks.

In the presence of a positive credit history or for employees of participating enterprises of the salary project, banks are often offered more loyal conditions: for example, lower interest rates, increase the period or increase the maximum loan size.

The interest rate can also be reduced by concluding the life insurance contract and disability.

Conditions for granting a loan for consumer needs without collateral:

Main settings:

• Credit amount. Consumer credit can be obtained in sum from 15 thousand rubles. The maximum possible amount, as a rule, ranges from 500 thousand rubles. to 1.5 million rubles. For owners of a salary card and customers with a positive credit history, the amount increases.
• Interest rate. It is calculated individually depending on the amount and term of the loan. When concluding an insurance contract, the rate decreases by 1-3 percentage points. For salary card holders and customers with a positive credit history, a reduced rate is also offered.
• Credit term. Most often is issued for up to 5 years, but for some categories of customers, such as state employees, the period can be extended to 7 years. The minimum term varies from 3 to 12 months.

Extra options:

• Ensuring is not required.
• Additional commissions for issuing or cash services are absent.
• The term of consideration of the application - from several hours to 5 days.

It is necessary to be prepared for the fact that in the absence of ensuring banks, the banks are more demanding about consideration of the possibility of issuing a loan. If there are doubts, the bank can still request the provision of pledge or guarantee.

Sometimes banks practice issuing loans to consumer needs for informal provision. In this case, the Bank takes into account the provision when considering a credit application, but it does not affect lending conditions.

It is resorted to such a compromise version when the bank for any reason refuses to lend without collateral, and the collateral value of the property lacks the required amount of the loan or the guarantor does not suit the requirements.

Pros and Cons for the Borrower

pros:

• the possibility of obtaining a loan without collateral and guarantors;
• minimum list of documents;
• consideration of the application in rapid terms;
• easy to conclude a loan agreement;
• lack of control over targeted spending.

Minuses:

• the interest rate is higher than in the presence of secure;
• high penalties for overwhelming monthly payments and non-fulfillment of other obligations under the loan agreement;
• the maximum possible amount is lower than with a consumer loan;
• a short term of the contract;
• the borrower is responsible for the loan by all its property.

Pros and Cons for the Bank

Pros:

• simplified application consideration scheme;
• high loan profitability;
• credit program's demand by customers.

Minuses:

• increased risk;
• the complexity of recovery in case of non-payment of a loan.

Despite the increased risk of non-payment, banks are actively proposing the issuance of loans without collateral, so the service is in demand. In addition, the yield on an unsecured consumer loan is higher than according to any other types of loans.

Bank offers

Consider the conditions of consumer loans without collateral offered by the largest banks.

Despite the relatively high interest rates, a consumer loan without security is a fairly convenient banking service and has its advantages over conventional consumer lending programs.

In our unstable time, money may be required at any time. Many citizens the loan service secured to this day remains inaccessible to many, but what should I do, if not, nor guarantor, no property? Consumer loan without collateral is perhaps the most reasonable and qualitative offer for those who need a large amount, but it does not have the opportunity to provide property in a deposit.

About what is a loan without collateral, we will tell our readers in detail. Although such programs are highlighted as a separate type of lending, many banks offer at least 2 products that can be attributed to such types of loans. Let's consider all the subtleties of lending without ensuring in more detail.

suggestions

A loan without ensuring is a fairly wide concept, and it refers to a multitude of credit products, which are presented to the consumer today. Let's consider all possible types of loans without collateral:

1. Classic cash loan;
2. Credit card. This type of consumer lending has long been popular in the United States and Western countries, and becomes popular in Russia. There are many advantages of using a credit card, however, when you return with you, a small interest will be taken for use, and when the funds are cash, a high commission will follow;
3. Overdraft This is a loan that the bank can lay in an agreement with the client when registering a salary or debit card. Overdraft makes it possible to use a card with a minus balance;
4. Commercial Credit, it has long been part of the life of Russians, and with almost everyone. When buying expensive equipment, furniture, home appliances, etc., the store can offer a customer loan for the purchase, decorated from a partner bank.

In addition to many credit options without collateral, there are other features, to consider which each consumer must issue such a loan. It is worth understanding that the financial organization, offering such a service to customers, draws up a contract at convenient bank conditions, trying to exclude the maximum risks.

Conditions

Consumer loan without collateral is drawn up on the amount of relatively small. Many large banks have a limit on such loans to 500,000 rubles. This is quite logical, and is due to the fact that the Bank has no deposit, which he could dispose of non-payment from the borrower.

In addition to limitations in the amount, it can be considered the main and not the most pleasant condition of the interest rate, which reaches exorbitant height not only in microfinance organizations, but also large institutions as Sberbank. Today, the overpayment will be at least 25% per year, and with negligence and blind filling of contracts, you risk not only to run into a crazy percentage, but also to be in conditions where the debt will grow, and the entire salary will go to repay interest.

An installation on a loan without collateral in large banks starts from 3 months, and with a maximum period of 5 years, although there are cases where loans extended up to 7 years. You can issue an interest-free loan for a short time in one of the MFIs. MFIs offers issues of loans without collateral, when granting a minimum of documents, and when redeeming on time, usually zero percentage. Be careful, in case of delay, interest on such loans reaches 800% per year!

Requirements

Of course, the requirements for credit candidates directly depend on the seriousness of the organization and the amount of funds you want to receive. Let's look at the list of documents that you will need, in the event of a consumer loan without collateral, in one of the major banking institutions of the Russian Federation:

1. Passport of a citizen of the Russian Federation. The age from which the consumer can take a loan in the territory of the Russian Federation is 21 years old, and up to 65 years. If the age of the applicant is higher, then the guarantee will have to be issued, and the loan without collateral will not be able to take;
2. Certificate of income in form 2-NDFL;
3. The second document confirming the identity. Here is the testimony of the Inn, driver's license, SNILS, etc.;
4. An employment contract or an extract from the employment record.

These documents may require a bank from its borrower, however, in addition to documentary evidence of your personal data and employment, there are requirements whose compliance will also need:

• Age limit;
• Not less than 1 year of the overall work experience, and more than six months of employment in one workplace;
• Officially confirmed income;
• Registration in the settlement, where there are branches of the bank. In the MFC you can make a loan and temporary registration, there will be no money certificate, but it is worth remembering the interest.
• Military ID or assigned need to make it possible to present all men of recruiting age;
• Contact data must be valid.

Lending agents, issuing a loan without ensuring, are suitable for studying documents extremely carefully, and, as a rule, if the client does not satisfy the basic requirements, the failure. Pretending to receive a loan without collateral, it is worth understanding that there are enough advantages and disadvantages here, to know about which stands in advance.

Refusal to bank

Refusal to lending without ensuring, not uncommon, and here the client may not meet a concrete motivated refusal, but simply hear the proposal to insure a loan. It is worth noting that the loan insurance is not the service included in the package is obviously, and the employee is obliged to offer it when issuing a loan. In the event that the loan insurance was included in the contract without your knowledge, you can appeal as the actions of the employee and the insurance itself, in court.

It is important to understand that the bank, drawing up such loans, goes to a small risk. The method of claiming funds from the debtor will be the standard, but levers of the influence of the bank, during lending without ensure, has practically no. In the event that you are faced with the refusal, then it is necessary to understand the reason, and only by eliminating it and waiting for 60 days from the moment of filing the initial loan application, submit a re-statement.

Pros and cons

The positive parties of the loan without collateral should be considered:

• Lack of encumbrance;
• Registration rate;
• Simplicity of preparation of documents;
• Loan does not have the target.

Lending programs without burdensome remain profitable for banks, as people with hunting make out such loans, forgetting that everywhere there are pitfalls. They can come:

• High percent;
• Limitations on the size of the loan;
• The credit periods need approval and directly depend on the KI and the income level of the client;
• High fines for the delay of payments.

Therefore, planning to make a loan without encumbrance, it is worth carefully reading all the intricacies of the contract and suggestions. Sometimes, signing an agreement, people do not have the idea that it is waiting for them in the event of a violation of the conditions, therefore the right decision will turn to a good financial specialist who can not only check the contract, but also will tell you in which bank it is more profitable to take a loan without ensuring today.

Consumer loan without collateral implies the absence of a bank's requirement for the provision of guarantee, pledge or other species. Consider what this means in practice, and to whom and how can I get it?

Types of unsecured loans

Unsecured consumer loans include:

1. Classic bank loan. This is the usual consumer loan cash (or issued in non-cash form on the settlement card), which is provided without collateral and guarantee.

2. Credit card. Credit limit on such a product is established depending on the degree of credit privilege (instant, classic, gold or platinum). Such a sum is enough not only for everyday small acquisitions, which is just lazy to save, but also to quite expensive purchases (no more than several hundred thousand rubles). In addition, the Bank will have to pay a little more than on ordinary consums of the same goals. Yes, and cashing is subject to additional commissions, so it is better to pay for goods / services better on the map, and not to remove funds from it in ATMs. Moreover, such an operation negates the most important advantage of a credit card - an interest-free (preferential) period, the fact is that, as a rule, such a period does not affect the removal of funds.

3.. This is the ability to take a loan over an accessible credit limit for legal entities (unsecured overdrafts are usually issued for a period of no more than 1 year) or the established lending limit for the holder of the debit card. In the latter case, you can use borrowed funds, if suddenly you have a card on your account (for example, salary), funds ended.

4. Commodity. It is consumed for the purchase of household appliances, electronics, etc., which is drawn up directly in the commerce with a partner bank (about POS-lending - one of the types of commodity lending).

The last type of lending can be with the provision. One of the claims of the lender may be a pledge of the acquired thing for the lending time.

Lending terms

WITHOUT COLLECTION LOUSES is provided in an amount not exceeding the threshold established by the Bank (most often 500 thousand rubles) and for a period of 3 months to 5 years. In exceptional cases, the maximum term is extended to 7 years.

Interest rates are set much higher than on ordinary consumer loans. On average, now such a loan "costs" from 25% per annum in banks, and in the MFI, the rate reaches numbers with two zeros, which is explained by the high risks of the financial organization.

Document package standard:

• passport of a citizen of the Russian Federation;
• certificates of income in the form of 2-NDFL (may be provided on the form of a financial organization);
• any second document (INN, driver's license, reduss) - if necessary;
• labor book or appropriate employment contract.

To borrowers who submitted an application for a loan without collateral is made a little more requirements than on secured loans:

• age 21-65 years;
• on average, 6 months of working experience in the last place and at least 1 year of the overall experience;
• official sources of income;
• permanent registration in the presence of the Bank's Department (in some financial institutions, lending to temporary registration is possible, but for a period not exceeding the date of its end);
• military ID or assignment certificate for persons of the draft age;
• the presence of a contact phone, sometimes you need to specify a landline phone (home or office).

The approach to the assessment of the borrower here is more thorough, the slightest details are checked. Often, with a non-compliance of at least one criterion, the Bank asks to change the lending program and provide the guarantor.

Advantages and disadvantages of consumer loan without ensuring

The undoubted plus for any borrower is the lack of need to transfer property to the bank as a deposit and search for guarantors. Especially since not everyone can become. This earlier loans were brought rarely and almost any relative or a good acquaintance satisfied the requirements of the bank and approached the criterion of solvency. Now the loans are decorated for every second citizen. So, planning to act as a guarantor, it is necessary to have income, sufficient to cover obligations on its loan and planned transaction.

To the rest of the positive moments can be attributed:

• the speed of making a decision by the Bank;
• ease of registration of credit documentation;
• small package of documents;
• non-target loan.

But here, as in any other lending program, there are devices:

• high interest rates;
• limitations at the maximum amount;
• associated credit periods (this is stated in conditions that it is possible to take this period for 5 years, and in practice, the bank is trying to cut this period);
• essential fines for the delay in payments;
• the possibility of recovery of debt due to the sale of the property of the debtor in default to them (through the court).

The bank, issuing an unsecured loan, complicates life only in matters of recovery of overdue debt. Since there are no guarantors and collateral, the whole procedure will pass through the court. And this time during which the financial institution loses planned income. But this risk easily pays off:

• high demand that increases the number of customers and the amount of the bank's loan portfolio (not all of all borrowers are unscrupulous, most pays properly);
• high yield, which is associated with increased interest rates and sanctions for late payment (sooner or later, any debt is applied, and the accrued penalty will be able to cover all the earned earnings).

Unsecured loans for IP

Banks have developed a line of credit products without ensuring and for entrepreneurs. However, you can only take such a loan for small needs:

• replenishment of working capital;
• procurement of inexpensive equipment;
• hiring of premises;
• business development (starting capital), etc.

For large investment projects, you still need to provide a deposit or guarantee. As it is clear - the secondary amounts of the bank can not just risk.

To obtain a loan, you need to prepare much more documents than a physical face. In addition to the passport and SNILS you will need:

• extract from Jerip;
• certificate of tax accounting;
• book of income and expenses;
• tax Declarations (along with the previous document serve as a basis for calculating solvency);
• certificates about the absence of debt in the FTS;
• plan yield for lending period;
• issue about open settlement accounts and movement on them.

For approval of the application, an entrepreneur must comply with a number of requirements:

• current business for six months before the application of the questionnaire (by express loans - from 3 months);
• good credit history;
• transparent financial statements;
• the absence of debt on paying tax payments.

Loans for entrepreneurs are still targeted. This means that the bank will need to report that you have spent funds precisely in the direction that the questionnaire was stated.

Probability of refusal

It is always present. It is not known how to look at the bank, and in which direction will begin to doubt. The most common causes of failures can be called:

• non-compliance with the basic requirements for borrowers;
• providing false documents or unreliable information (verified by the Bank's Security Service);
• inconsistencies in legal documentation (there were cases when typography and a person lives in a passport or other documents of the IP, until it comes to loan);
• availability of negative information in credit history (if it appeared not by your fault - try to correct the information and document your relance in the bank).

Reduce the likelihood of refusal can be possible by making an insurance policy. Insurance itself is not the provision, but at the same time, an excellent warranty tool for the bank. Especially if it is drawn up in the company belonging to the bank itself. For example, in Rosselkhozbank, you will definitely be ashamed to insure it in the RSKB-Insurance, and in Sberbank - in Sberbank Insurance. The risks of the financial organization will be partially reduced, which will allow bank employees to close their eyes on your lending history, inconsistency in one of the parameters or non-critical discrepancies in the documentation.

If it is impossible to lend to bank (for example, due to), you can use the services of individuals. At the same time, it is not necessary to forget about the high probability of fraud and overestimated interest rates. Be sure to place your relationship with contract or reception.