Favorable credit conditions. Which bank to take a loan? Terms of lending to the largest banks in the country. MTS - express loans close to home

Often, a loan is the only possible way to solve financial problems. Also, it is a bank loan that can help you make a large purchase without waiting until the required amount is accumulated. In this regard, it is important to choose favorable conditions for a cash loan in the best banks for consumer loans.

Where is the best place to get a cash loan?

Before applying for a loan, it is important to choose the bank that is best suited for this. Finding the best deals will be much easier if you know what lending criteria to take into account.

To determine the best banks for a cash loan, it is worth studying the following parameters:

1. The deadline for consideration of applications is especially relevant for those who need money urgently. It usually takes several days for the bank to make a decision. However, there are offers when a cash loan is issued on the day of treatment within a few hours.
2. The number of documents required to receive. The less certificates from work and other supporting documents are required, the faster and easier it will be to receive money.
3. Low rate. If you manage to get a cash loan at a low interest rate, you can count on a smaller payment with the same terms and amount. In addition, it will help save the budget by reducing the overpayment.
4. Recently, many banks provide an opportunity to come to the office only to apply for a loan, when a positive decision has already been made. In this case, an online application is submitted, which significantly saves the borrower's time.
5. When choosing a bank, it is best to first consider the offers of those banks through which the future borrower receives wages. Often such clients are provided with various discounts for obtaining a loan.

Which bank is better to take a cash loan? Before answering this question, you will have to study the offers that are on the market. They should be compared, focusing on the criteria discussed above.

Due to the huge number of banks with different conditions, it is not easy to compare them on your own. It is much easier to use a ready-made comparison, for example, the TOP-7 rating presented below.

Tinkoff Bank is the best bank for a cash loan in 2019

Tinkoff is a unique bank that operates entirely online. It is very easy to get a cash loan online here. After filling out an application on the site, the client will not have to wait long for a response. Literally within one day you can get the necessary money.

Busy people don't have to go anywhere. After the application is approved, a bank specialist will arrive at a convenient address, sign an agreement and issue a debit card with credited money.

Alfa-Bank is a well-known bank with favorable conditions

One of the best banks in order to take a cash loan on favorable terms is the largest private bank in Russia - Alfa-Bank. The bank has been providing loans for any purpose for more than 20 years.

Cash in this credit institution can be taken without collateral and guarantors. Of the documents, you will need to provide a document confirming your income and your employment. Moreover, it is very convenient that, for example, instead of a copy of the labor one, you can provide a title for a car or a passport with marks about traveling abroad.

To find out a preliminary decision in 10 minutes, you just need to leave a request on the site.

OTP Bank - consumer loan up to 750 thousand

In OTP Bank, you can get a cash loan at a low interest rate. In this case, the purpose of borrowing does not matter.

To fill out an application, it is enough to come to the nearest office of the bank, which are quite a lot throughout our country. The decision on extradition is made very quickly, so that in a few hours you can get the necessary money.

For those who want the loan rate to be minimal (at the level of 12.5%), it is enough to meet two conditions:

1. have an undamaged credit history;
2. provide the bank employee with as complete a package of documents as possible.

OTP Bank has developed a special application for borrowers. If you install it on a mobile device, you can not only find out where the nearest bank office or ATM is located. The application reminds you of the need to pay a loan. Now there will be no delays!

Housing Finance Bank - a loan on the best terms secured by an apartment

Do you need a loan for a large amount at the lowest interest rate? Then pay attention to the next bank in the rating - Housing Finance Bank. In this credit institution, you can get a large loan up to 8 million rubles at a low percentage (12.49%) without collecting certificates and guarantors. The only thing that the loan issues is secured by residential real estate. Due to the fact that collateral is used in lending, it is more likely to receive such a loan than without collateral.

Favorable lending conditions and a high level of approval make a cash loan from BZHF one of the best offers among all banks!

To get a loan from a bank, it is enough to fill out an online form on the bank's website and get a decision literally immediately. The only restriction is that you can get a loan only in some large cities (see the bank's website).

Vostochny Bank is the best bank for young people over 26

For those who want to get a loan as soon as possible, Vostochny Bank is ideal. Here, without leaving your home, you can submit an application, the decision on which will be made very quickly. If it is positive, you can receive funds on the same day. By the way, if you apply online, you can get a discount on the interest rate. If the client wishes, all the necessary documents, as well as money, will be delivered to him at a convenient address. Thus, in order to get a loan from Vostochny Bank, you do not need to leave your home at all.

Loans are issued without certificates and guarantors. Moreover, a loan can be obtained by providing a minimum list of documents.

Raiffeisen Bank - consumer credit for any purpose

Raiffeisen Bank offers excellent consumer lending conditions for those who have not had time to ruin their credit history. The bank is designed for clients who have a permanent place of work and a stable income that exceeds the average. Wages can be confirmed not only with a 2-NDFL certificate, but also by issuing it on a form offered by the bank. If you meet the above criteria, you can count on a loan in the amount of up to one and a half million rubles at an interest rate starting from 12.9% per annum.

Loan disbursement is very fast. After the application to the bank is completed on the website, no more than an hour will pass before a decision is made. If you do not have time or desire to go to the bank office, you can invite a specialist to draw up an agreement at home or in the office.

Renaissance credit — cash loan on favorable and flexible terms

Renaissance credit provides customers with the opportunity to apply for a loan quickly and without problems. And those customers who have a special pre-approved offer of the bank can apply for a cash loan on a passport without presenting additional documents.

The interest rate is determined for each client individually. Reliable borrowers are entitled not only to a lower rate, but also to a higher loan amount. Renaissance is ideal for those who need money urgently, because here you can get a loan on the day you apply.

Where is the best place to get a cash loan?? Of course, where there are low interest rates, comfortable registration and feasible requirements for customers. You need to use the services of trusted banks recommended by experts. So you can be sure that there are no various unforeseen situations and pitfalls in the process of borrowing.

List of banks where you can actually get a loan without certificates, guarantors and collateral: the most loyal banks for obtaining a consumer loan and a credit card.

If all banks refuse credit due to bad credit history, getting a credit card may be easier. Banks are more tolerant of bad CI when issuing credit cards, but the amount of the limit will be low.

• Interest rate - from 17.9% to 34.9% per annum, depending on the age of the client and his credit history. There is a chance to reduce the rate to 0% for a promotion with a Halva card;
• Age - from 20 to 80 years.

Tinkoff Bank credit card:

• Amount - up to 300,000 rubles;
• The rate is from 24.9% from 12% per annum with an interest-free period of 55 days and installments up to 1 year. 120 days without interest if you repay other loans with a card.

Tinkoff cash loan:

• Amount - up to 1,000,000 rubles;
• Rate - from 14.9% from 12% to 28.9% per annum;
• Term - from 3 months to 3 years.

• Loan amount - up to 500,000 rubles;
• Rate - from 9.9% per annum;
• Term - up to 5 years;
• Age - from 25 to 70 years;
• Income from 8,000 rubles per month, permanent job.

You can also apply for a credit card at Renaissance Credit Bank:

• Amount - from 3,000 to 300,000 rubles;
• Interest rate - from 19.9% ​​per annum, for cash withdrawals - 45.9%;
• Commission for cash withdrawal - 2.9% + 290 rubles;
• Age - from 24 years;
• Card maintenance is free.

Only if you are not a sole trader and you have not been overdue for more than 90 days:

• Loan amount - up to 3,000,000 rubles;
• Interest rate - from 13.9% to 9.9% per annum;
• A certificate of income is required, age from 23 years old, salary from 40,000 rubles.

• Loan amount - from 15,000 to 1,000,000 rubles;
• Interest rate - from 10.5% to 38.4% per annum;
• Loan term - up to 5 years;
• Age - from 21 to 65 years.

• Loan amount - from 5,000 to 700,000 rubles;
• Interest rate - from 9% to 41% per annum;
• Loan term - up to 5 years;
• Age - from 21 to 70 years;
• Work experience in the last place from 1 month.

• Loan amount - up to 1,000,000 rubles;
• Interest rate - from 11.5% per annum;
• Loan term - up to 5 years;
• Age - from 21 to 75 years;
• Experience at the last place of work is required from 3 months, for persons under 26 years old - from 1 year.

Vostochny also offers to issue a credit card 0% per annum for 56 days with a credit limit of up to 120,000 rubles. But in fact, the bank will approve no more than 15,000 rubles if you had delays before.

• Loan amount - up to 1,000,000 rubles;
• Interest rate - from 7.9% per annum;
• The age of the borrower is 22-69 years;
• Loan term - up to 7 years.

In Home Credit, it is easiest to get a loan up to 100,000 rubles, but you must have official place of work and the total experience of at least a year + there should not be large delays.

• Loan amount - from 50,000 to 300,000 rubles;
• Interest rate - from 18.9% to 26% per annum;
• Loan term - up to 7 years;
• The age of the borrower is from 21 to 75 years.

It is important that the bank issues a loan only by passport and immediately, but you should not have open delinquency in other banks and delinquency for more than 30 days in the past! Also, your work experience at the last place of work should be from 3 months, the total work experience - from 12 months.

If you need a credit card without an income statement, then UBRD issues cards with interest-free period of 120 days, which applies to cash withdrawals and purchases.

• Loan amount - from 30,000 to 300,000 rubles;
• Interest rate after the end of the interest-free period - 30.5% per annum, withdrawal fee 5%;
• Age - from 19 to 70 years;
• Maintenance fee - 1,500 rubles per year.

• Loan amount - from 30,000 to 500,000 rubles;
• Interest rate - from 19.9% ​​to 29.9% per annum;
• Loan term – from 1 to 5 years;
• Age - from 23 to 70 years.

• Loan amount - from 50,000 to 1,300,000 rubles;
• Interest rate - from 9.9% to 25.5% per annum;
• Loan term - from 3 to 5 years;
• The age of the borrower is 23-70 years;
• The minimum length of service at the last place of work is 3 months;
• For persons under 27 years old - a military ID.

You can take a loan without certificates and guarantors even without official work, but this can not be done in every bank. There are banks that are more loyal to such customers than others, but you have to pay for this opportunity with higher interest rates.

To obtain a loan or a card in the presented banks, you must have a passport of a citizen of the Russian Federation, and your age must be at least 21 years old. In most cases, a certificate of income (2-NDFL) is not needed, but you can fill out a certificate of income in the form of a bank, this has a positive effect on approval and lowers the rate. This method is often used by clients who work informally.

Even with a bad CI, you can get a loan!

Credit history is the main condition for issuing a loan, but the bank's decision is also influenced by:

• unpaid alimony;
• The presence of claims against you;
• Unpaid fines;
• A large number of administrative offenses, including traffic police fines;
• Having a criminal record;
• Debts for housing and communal services;
• Your income (certificate 2-NDFL - “last century”, income is checked through the PFR. It is very good if you have a work book or contract. An extract from the card account on the transfer of salaries is also suitable);
• Reliability of information in the loan application! The slightest lie can deprive you of the opportunity to get a loan not only now, but also in the future.

The bank can give you a loan, even if you had delays, but you should not have problems on the above points. Otherwise, the most you can count on is refinancing your loans or a credit history improvement program. If banks do not give you a loan, take a long-term loan from an MFI, the rates on such loans are much lower than “before salary”, and there are more chances to get money from an MFI than from a bank.

Banks that do not check credit history

It is a myth! Absolutely all banks check credit history, but there are nuances.

Part 3.1 of Article 5 of Federal Law No. 218-FZ dated December 30, 2004 “On Credit Histories” obliges each bank to cooperate with at least one credit history bureau (CBI) for the mutual exchange of information about borrowers. Before approving a loan, the bank must evaluate the borrower for the risk of not returning the money.

At the same time, the bank it is not always possible to obtain complete information about the borrower's loans, as this information is "scattered" among different bureaus. This means that the lender may not receive information not only about delays, but also about repaid loans, which positively characterize the client.

The bank may indicate on its official website which CBIs it cooperates with. But we do not recommend abusing this, as banks comprehensively evaluate customers. You can get a loan with a bad credit history if you do not try to deceive the bank and clearly confirm your ability to repay the loan on time.

If there are no problems with credit history

Credit card "100 days without%" with a limit of up to 500,000 rubles is now one of the most popular products. The card is also suitable for refinancing other loans, the rate on it is from 11.99% per annum after interest free period. You can withdraw up to 50,000 rubles per month from the card and also without interest for 100 days.

The card is issued to persons over 18 years of age. Card service costs from 590 rubles per year.

If you need a large amount of cash, you can apply for a cash loan up to 1,000,000 rubles. The rate is the same as on the card - from 9.9% per annum. But for a loan, the requirements are stricter: age from 21 years old and current work experience of at least 6 months.

The loan rate at Otkritie Bank starts from 10.9% per annum with insurance, from 12.9% without. But the first year the rate is the same for all: 9.9% per annum. You can take up to 5,000,000 rubles for 5 years.

Requirements for the borrower: age from 21 years old, work experience - from 3 months, general - from a year, while there should not be an individual entrepreneur.

Otkritie also has a credit card with an interest-free period of 55 days, then 19.9% ​​per annum. The limit on the card reaches 500,000 rubles. There is a cashback of 2-6%, and the card itself is free, issued to persons over 21 years old.

In Raffeisenbank, you can easily get a loan of up to 2,000,000 rubles at a rate from 10.99% to 15.9% per annum for a period of 1-5 years. But there is such an opportunity, if you are at least 25 years old, you earn from 25,000 rubles a month at work, where you work for at least 6 months.

An important condition: without certificates at Raffeisenbank, you can get up to 300 thousand rubles.

Raffeisenbank also has a credit card for 110 days without interest, from which you can withdraw cash without commission for up to 2 months. The limit on the card is 600 thousand rubles. The cost of maintenance is free when spending from 8,000 rubles per month, otherwise 150 rubles per month.

Bank requirements for obtaining a card: age from 23 years old, work from 6 months with an income of 15,000 rubles (for Moscow and St. Petersburg - from 25,000).

MTS is not only a mobile network, but also a bank. MTS Bank issues up to 5,000,000 rubles for 5 years, but these are customers with an impeccable credit history. The easiest way is to get a loan up to 50 thousand rubles and for a shorter period. The rate is from 10.5% to 24.9% per annum.

Requirements for the borrower: age from 27 years old, employment, in addition to the passport, you need SNILS, a visa or a passport.

MTS Bank has an exclusive offer: a credit card with a fixed payment. You pay 30 rubles a day for using the loan, you need to repay the loan by the 20th day of the next month. If you do not have time to repay, then the rate will be only 10% per annum. After repayment, the money (30 rubles per day) is not withdrawn.

The limit on the card is 150,000 rubles, persons over 27 years old can apply for it.

We will immediately warn you that if you have current delays on other loans, then it will be quite problematic to get a loan from most banks. This is especially true for loans with a delay of more than 30 days. And it is unrealistic if the delays are more than 90 days. In this case, you can only count on a loan secured by a car or real estate. Or take a microloan in the MFI.

There are banks that are more loyal than others to small delays up to 30 days, especially if they have already been repaid. The list of loyal banks for loans is presented above.

Also note that with a bad credit history, it is more realistic to get a credit card than a loan. The amount on the card will be small, but there may be an interest-free period and the opportunity to improve the CI, and this is a chance to get a loan in the future.

Ideal Borrower

To whom banks never refuse loans? Portrait of an ideal borrower.

The best age to get a loan approved is 23-65 years old. Even if the conditions indicate the minimum age of 18 years, the most desirable borrowers are people over 23 years old (younger people can get a loan, but they need more certificates and a stable income). In some banks, the minimum threshold may be higher.

You don't have to be looked for by bailiffs. Or at least the amount of your debts under the FSSP should not exceed 10 thousand rubles, and this does not depend on debts on loans or fines, for example, the traffic police.

There are no traffic police fines and other administrative offenses.

A large number of offenses often become a denial of credit. Pay the fines and only then submit the application.

• There are no long-term debts for utilities.

  No child support debt. Banks and not only they really do not like "alimony".

  Your passport must be valid and not wanted.

  You do not have the status of an individual entrepreneur (IP).

  Very often, banks refuse clients with individual entrepreneurs. In this case, you need to look for banks that give loans to individual entrepreneurs or lend under special programs for business development.

• You have a permanent job.

  Banks do not issue loans to the unemployed, there must be at least income without employment according to the work book (in this case, you will need to provide the bank with a certificate of income in the form of a bank, an agreement with the organization with which you work, an account / card statement on regular receipts of money). If none of this is available, then only secured loans or microloans are possible.

• You can provide at least 2 phone numbers: one - yours, the second - the employer (or at least a relative, friend).

• You have no more than 4 active loans.

  In this case, you need to refinance loans: combine them into one. When refinancing, the bank can issue additional money for any needs. For example, you have 4 loans for a total of 500,000 rubles, you apply for a loan for 600,000 rubles, of which 500,000 will go to refinancing, and 100,000 will be your money. As a result, you have money and only one loan, and with a lower rate.

• The total amount of monthly payments on the current and requested loan should not be more than half of the monthly income.

  If less, then a collateral or guarantor may be required, otherwise reduce the loan amount.

• You have no debts to MFIs.

  At the time of applying for a loan at the bank, you must have closed all microloans.

• You were not bankrupt.

  If you went through the bankruptcy procedure, then you will not be given a loan without collateral and guarantors.

• No convictions.

  You can not have a criminal record, especially for articles related to fraud in the financial sector.

• You have no more than 2 children.

  A large number of children, especially with a low income, can be a reason for refusal.

What can not be indicated in a loan application?

• Passport details of an invalid (expired) passport.
• Someone else's passport data.
• Inaccurate information about work and salary. Banks no longer make a request to the employer, but to the Pension Fund (PFR), where your data on deductions from income are stored (hence, banks know your real salary) and your place of work, length of service, etc.
• A phone number that is not registered to you. For this reason, MFIs are often refused, since SMS serves as a signature in the contract. But banks can also pay attention to the ownership of a phone number.
• Do not leave empty fields, even if the system allows it.
• If there is a field in the application form for indicating the purpose of the loan/loan, then do not write that you have no money, “nothing to eat”, you were fired from your job, and the like. This is a denial! In this case, write that you need money before salary.

Even with imperfect credit history, the chances of getting a loan are greater if you fill out the application honestly. Lies in the application - a minus in the credit history!

Remember, if you submitted an application to the bank and were refused, then you can re-suppress the application to the same bank (for a loan or credit card) no earlier than a month later! In some banks, this period can be 3-4 months, so check the blocking period with the bank.

Hello, friends!

You have come a long way from thinking that you cannot do without a loan to deciding that you simply need it right now. I hope that you approached this issue thoroughly and with full responsibility for the consequences of your decision. Can't you be persuaded to think again? Then let's find the answer, where to get a loan on favorable terms.

Before looking for an answer to the question posed in the topic of the article, we need to decide on what criteria we will choose the most profitable loan:

• Minimum loan interest.

This is the main requirement that borrowers make for a loan. Who does not dream of getting money at a low percentage? But in this case, you need to be especially careful when concluding a contract. Often a loan with a low rate hides benefits that are received not by you, but by the bank (commissions, short loan term, collateral, etc.)

• No imposed additional services.

First of all, these include various types of insurance (life and health, loss of work, property). I wrote in a separate article.

• High speed of application approval.

Now this is practically no problem. When applying for a loan online, the approval process can take only a few minutes. Sometimes only passport data is enough to get a positive decision from the bank.

• A large number of payment methods.

Even the most conservative bank develops a network of affordable loan payment options: offices, ATMs, Internet banking, etc. And it does it very quickly. For example, a couple of years ago, Sberbank was famous for its extensive office structure, but a disgusting mobile bank. Everything has changed today.

• The minimum set of documents.

The ideal option is the approval of a loan on a passport. And this is possible, but often on unfavorable terms for you. It is practiced in stores where bank representatives sit and catch “warm” customers who are already on fire with buying something new and expensive. They take them into circulation right away, because, having come home, many still allow themselves to look on the Internet and find out loan offers in several banks. Don't be so malleable, don't just accept the first offer.

Each borrower should have their own list of requirements for the loan and the bank that issues it. But we have identified the most significant selection criteria. You can easily remove those that are irrelevant to you and add your own additional conditions.

Stages of choosing a loan product

Which bank is more profitable to take a loan? The main steps you need to follow to answer this question are:

Stage 1. Determine the purpose of the loan: for the purchase of housing, expensive goods or a car, vacation, wedding, education, etc.

Stage 2. Determine the loan amount. The interest rate depends on its value and, of course, your debt burden.

Stage 3. Choose a loan term. The longer you expect to pay off the loan, the more willingly banks will cooperate with you. After all, you are their "hens that lay golden eggs." The term can be from several months to several decades (for a mortgage, for example).

Stage 4. Visit sites that offer to compare loan products of several banks (Banki.ru, Sravni.ru, etc.) Study the reviews of borrowers. Select several banks that suit your requirements.

Start the selection procedure with the bank where you receive your salary. There are preferential conditions for such categories of borrowers. Pay attention to stocks. For example, when preparing material for an article, Gazprombank had a promotion.

Stage 5. Visit the branches of selected banks or their official pages on the Internet. Ask managers or carefully study the information on the website for all loan offers.

Stage 6. Almost all banks offer to use a loan calculator to roughly calculate the monthly repayment amount, in some cases you can immediately see the amount of overpayment on the loan.

Stage 7. Compare the information received and make a final decision on the choice of a bank and a loan offer.

Stage 8. Fill out an application online or at the bank office.

Some experts suggest applying to several banks at once in order to get approval from at least one. But there is one caveat. Applying to several banks at the same time can ruin your credit history.

I expect your question: “Which banks work almost without failure?” For example, where should an unemployed person or a client with bad credit go? On the Internet you will find many articles on this subject. The "experts" give a list of the best banks that lend money to everyone. I do not consider myself to be such an expert, because I work only with official and verified information. But there is none. Therefore, I can not provide you with a magic list.

But we will study lending options in the most popular banks according to customer reviews. Maybe they are right for you. If not, you'll have to do your own research.

The best loans according to borrowers' reviews

The most popular loan is consumer. The financial portal Banki.ru made the following rating:

1. More documents, lower rates - from Renaissance Credit.
2. The first mail is from Post Bank.
3. Consumer - Gazprombank.
4. Cash - from Alfa-Bank.
5. Cash - from Tinkoff Bank.

I will not take the liberty of making my own rating. In any case, it will turn out to be biased. I propose to consider the main lending conditions for these five banks in the table and compare them with each other.

1. Rates fluctuate in tenths and hundredths of a percent.
2. Tinkoff Bank issues a loan on very loyal terms, but the loan term is the shortest (3 years).
3. Gazprombank is ready to issue a loan for the largest amount for up to 7 years at the lowest interest rate.
4. The package of documents in each bank is standard and not too burdensome for the borrower. Instead of a certificate of income, Post Bank requires the TIN of the employer.
5. The requirements for the client have more differences. The lower age limit is from 18 to 21 years, and the length of service at the current place is from 3 to 6 months.

The preposition “From”, which we see at the interest rate, indicates that the figure indicated in the table is not guaranteed. You need to go to the website of a particular bank and read the terms of the loan very carefully.

No expert can answer the question of which bank is better to take a loan. The choice depends, as always, on you and only on you.

What to do if they refuse everywhere?

Despite the high loyalty of banks to borrowers on issues of issuing loans, there are frequent situations when they refuse. If this is repeated more than once or twice, then it is worth considering why. The most possible reasons (no one will explain the real ones to you, because they are not obliged to):

1. Bad credit history.
2. Low income.
3. Inappropriate age (too young or too old).
4. Convictions, various diseases, etc.

I analyzed these points in more detail in an article about.

What to do if they refuse everywhere? Possible courses of action:

1. . Most recently, I described the main reasons for her poor condition. You can try to correct the situation on those points on which it is still possible to do something. For example, errors caused by banks. But this will take time.
2. Check whether you have submitted all the documents confirming your income to the bank. Some credit institutions have an extended list of required certificates, statements, etc. Therefore, it is not necessary to have a certificate of income in the form 2-NDFL.
3. Apply for a secured loan (collateral or guarantor). In this case, banks are more willing to meet the borrower, even the unemployed. I don't think it's necessary to explain why.
4. Submit an application online. I already wrote a little higher that the bank will not be able to assess your appearance and your nervous state. He will check your profile against all available sources, and that will be enough.
5. Order a credit card. I have already devoted many articles to this issue. For example, you can read, or. The conditions for obtaining credit cards are much simpler. It is especially convenient if you need money urgently and there is no way to collect a set of documents. But keep in mind that the interest rate will be higher. But there is a grace period and you can do without paying interest at all.
6. Contact a microfinance institution. The interest rate there, as a rule, is indicated per day. This is probably done so as not to scare away the client with a three-digit value for the year. Of the documents - only a passport.

And, finally, the best way, in my opinion, is to refuse the loan altogether.

Conclusion

I read comments on my previous articles that with a salary of 20,000 rubles, you can only live on credit. I believe that only very wealthy people can afford to live on credit.

And immediately to such commentators the question arises, what have you done to increase your income? The answer, as a rule, comes down to dissatisfaction with the government, the employer and the general injustice of life.

I really want my articles to help you. Someone consciously approach the decision to take a loan on terms that will not become a heavy burden for the whole family, and someone to refuse borrowed money and learn how to save and save.

consumer credit- one of the most common ways to obtain finance for the implementation of their needs. For example, such needs as the purchase of household appliances, furniture, payment for education, home repairs and much more.

The average period for which a client can receive a loan is from 1 month to 7 years, inclusive. At the same time, in most cases, funds are issued in cash, but sometimes they are also credited to the client's card. Many banks for obtaining a consumer loan up to 300,000 rubles require only one document - a passport. Financial institutions usually do not require other additional information. Those wishing to borrow an amount in excess of this limit should provide proof of their financial solvency to pay off the debt (certificate of income) or leave their property as collateral.

Many financial institutions issue consumer loans in the amount of 100 thousand - 1 million rubles. Some banks provide a small loan of 5 thousand rubles, while other banks can provide a loan of up to 30 million rubles.

Our editors have collected the best offers on consumer loans currently existing on the Russian market in the table below.

Application to all banks at once

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What to do if you are denied a consumer loan?

There are times when financial institutions refuse to provide a loan. Do not despair. There are 3 additional ways to get this service in Russia:

• You can improve your credit history;
• . The service is simple and fast. You can get a loan in cash at one of the company's offices or on a user's card using the official website. Refusal to provide a microloan is rare. At the same time, the interest rate for repaying the debt will exceed the bank rate;
• Apply for an express loan. This advice is suitable if you want to borrow a small amount of funds. Plus, the repaid interest will also be inflated.

Lower interest rates to the lowest

The reliability and reasonable responsibility of the borrower may help to obtain a lower interest rate. To acquire such a reputation in the eyes of the employees of the financial department of the bank, it is necessary to provide a possible list of documents, including those indicating the solvency of the client. These include:

• Passport, passport;
• Military ID;
• SNILS;
• Pensioner's ID;
• Medical policy;
• Assigned taxpayer code (TIN).

Information on permanent income and its size can be confirmed using a personal income tax certificate of the 2nd or 3rd form for the period from 3 to 6 last months. At the same time, the first option (2-personal income tax) is more acceptable, since it indicates the constancy of financial receipts.

In addition, it is appropriate to enlist the support of one or more guarantors and provide information about the collateral.

Additional factors affecting the interest rate

The following factors affect the repayment amount of a consumer loan:

• Accrued interest;
• Additional commission fee (monthly or one-time);
• Repayment scheme.

You can find out the full list of items that make up the overpayment when repaying a consumer loan from the contract. At the same time, before signing the agreement, the bank employee is obliged to present to the client the calculation of the amount to be paid. Sometimes more than half of the monthly payment goes to cover interest charges, as a result of which the client overpays.

Before signing the contract, carefully analyze the monthly payment scheme and the number of additional commissions.

Unfortunately, the economic situation in our country has been leaving much to be desired for a long time. Every person has needs. But there are not always the means to satisfy them. That is why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan terms. Only after comparing several options is it possible to understand in which one to take a loan.

Clear leader

This financial institution offers several Take, for example, consumer. In Sberbank, it can be issued even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can be up to five years.

More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts from 13.9%. Only the time period has not changed.

Many people, wondering which bank is better to take a loan from, like to make preliminary calculations so that the potential benefit can also be seen. Well, let's take an example. A person with an income of 60,000 rubles a month, who receives a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the overpayment amount will eventually be 95,000 rubles.

"VTB 24"

Talking about which bank is better to take a loan from, one cannot but touch upon VTB-24. Indeed, in the ratings, this organization ranks second.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. "Fast" - from 100 tr. up to 3 million. The period in which you have to meet when paying off the debt is from 6 to 36 months. And the last type is the “Convenient” loan. On it, you can take the amount from 100 thousand rubles. up to 399 999 rubles. Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, being interested in which bank is better to take a mortgage loan, get advice to apply specifically to VTB-24. This organization has really great conditions. Let's say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually lifting. "VTB-24" offers in this case to issue a mortgage for 10 years. If a person receives about 65,000 rubles a month, then for him the rate will be only 11.4% per annum. And you will need to pay 39,000 rubles / m.

Russian Agricultural Bank

This financial institution is in third place in the ranking. Many, having studied in detail the question of which bank is better to take a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the "salary project" program of this organization. For them, the interest on a consumer loan without a guarantee starts from 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to give only 26,000 rubles / m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take a loan from.

In addition, there are favorable mortgage offers. For housing in the Tsaritsyno residential complex, for example, a minimum annual rate of 7.5% is set. And then there are military mortgages, government-backed real estate loans, and many other offers. You can even apply for two documents! Only for this you will have to make an initial payment of 40%. The ability of a person to immediately give such an amount is an oral confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then for him the rate will be 14.4% per annum. Only monthly income should be 60 thousand rubles. Because every 30 days you will have to give 40 thousand rubles. as a payment.

"Alfa Bank"

In many ratings, which clearly demonstrate which bank is better to take a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. The term is from one to five years. There are no fees and guarantors are optional, the annual rate starts at 13.99% and the issuance decision is made within a day. And early repayment is possible, which can be negotiated even by phone.

Also, payroll clients of this organization are offered good mortgage conditions. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with a down payment of 30% and execution of only one document. The rate in this case will be 17.3% per annum. If you want to buy a residential building, you will have to pay 40% of the total amount.

Gazprombank

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take a loan from. Many call her one of the best.

If you apply for a loan for up to a year, the rate will be 13% secured and 14% unsecured. Need a loan for a longer period? If it varies from one to three years, then the annual rate will increase to 13.5% with security and up to 14.5% if there is no security. And on a loan for a period of 36-60 months, you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is lower by 0.5%.

OTP

This organization is also not in last place in the rating of verified financial institutions. Moreover, many advise it if a person is interested in which bank is better to take a consumer loan.

Loans in OTP are issued in cash and for any purpose. Let's say a person needs to borrow 500,000 thousand rubles. for a period of 24 months. He can be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.

Mortgages in OTP are also profitable, especially for “their” clients. The maximum term is 30 years. Mortgages with state support are set at rates of 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, when buying in the centers of which you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial institution. Many often advise to go there if a person is interested in which bank is better to take a loan.

The minimum amount is 100,000 tons, the maximum is one million. Terms can vary from 24 to 84 months. The rate starts from 16.5%, and the decision on extradition is made within three working days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also apply for a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. The initial payment should be 15%. The maximum loan amount is not limited, but the minimum is 600 thousand rubles. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, a partial reduction in the loan, the amount of payment or early repayment is also possible.

"Ugra"

It is a joint stock company. Talking about which bank is better to take a loan from (the list of names, as you can already understand, is very wide), one cannot but note Ugra as well. It issues four types of consumer loans. There are "Friendly", "For any purpose", "Loyal" and "Pension". The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The initial payment should be 20% of the total amount. Mortgage term - from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

Avtotorgbank

This limited liability company is also worth noting with attention, talking about which bank is better to take a loan from. The rating mainly demonstrates the popular names of financial institutions. Few have heard of Avtotorgbank. But he offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money on a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The term can vary from 6 to 60 months. The down payment must be at least 20% of the value of the car. A deposit is not required, since the purchased car becomes it (the title will need to be transferred to the bank for storage).

If a person takes the amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many take a loan in euros or dollars, because in any case, no matter what term the client chooses, the rate will be 15%. But in this case, too, there is a risk, and it lies in the unpredictable exchange rate.

Sovcombank

This organization is also worth noting with attention, talking about which bank is better to take mostly positive ones about it. After all, Sovcombank makes profitable offers to its customers. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles in a bank can be issued at 12% per annum. Requirements for borrowers are low - citizenship of the Russian Federation, age from 20 to 85 years, 4 months of experience at the last workplace and permanent registration in the region (also at least 120 days).

There is a consumer loan "Standard" with a maximum amount of 200,000 rubles, "Superplus" (600,000 rubles), "Pension", "Express" and even the so-called loan "For responsible", provided upon presentation of a passport and a diploma of higher education .

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.