How to take out a loan if you do not meet the requirements of banks

Today, lending to individuals is the most popular and profitable banking product. The conditions for obtaining credit in most banks are very democratic and are available to a wide range of potential borrowers.

A loan is a very effective monetary instrument, which, if properly used, can achieve the stated material goals.

The general requirements of banks to borrowers are standardized and transparent. As a rule, this is a positive credit history, the availability of assets and employment. In which bank would you not apply for a loan, you will be asked to provide one or another package of documents that will confirm that you have a permanent job for at least 6 months.

As for wages, here banks are based on the loan amount. As a general rule, monthly loan payments should not exceed 40-50% of your salary. This includes your current costs for food, travel, payment of utilities and more. Banking analysts calculate these data according to their formulas.

The main question that most borrowers ask is how to take out a loan, if the official or "white" wage is low? What can I do to approve a loan if I am unemployed? In the last place, I work less than six months - what should I do?

These and other questions have one answer - to turn to the service for preparing documents for obtaining a loan and actually purchase documents for a loan. But before we consider the operation of such services and the benefits of cooperation with them, let us answer for ourselves the only question. The crux of the matter is how much we are financially ready to service the loan. Get a loan by ordering a package of documents with data that the banks will not be able to resist, but will the borrower be able to make monthly payments on the loan on time and in full and whether it will lead to a loan in the "debt hole".

If we answer for ourselves the above questions, that everything is in order, then we can safely proceed to the stage of documentary preparation.

The essence of the document preparation service is as follows: the borrower refers to a company that produces certificates and income and documents confirming his work experience. This package may include, depending on the client's needs, or rather the bank's requirements, such documents as a certificate of income 2-NDFL, a certificate of income on the letterhead of the employer organization, a certificate of income in the form of a bank, an employment contract, a copy A work record card, certified by the employer, a copy of the employment order.

As you can see, it's not so difficult to buy a package of documents for a loan . You can buy a 2-NDFL certificate and calmly give it to the bank. The stumbling block is usually the contact phone specified in the documents. As practice shows, most services offer so-called "telephone confirmation" along with documents, however, experts of independent analytical resources do not recommend using this service. As you understand, such companies simply can not cover all regions of Russia with telephone numbers. As a rule, they indicate a non-existent phone, at the call to which, at best, no one will answer. This reduces the chances of obtaining a loan almost to zero. The best decision in this case will be a confirmation on your part, in other words, you yourself purchase a SIM card with a city number and send it to your friend with a request to confirm when calling her your employment in the firm that is listed in the documents as your employer. This point should be discussed by the service at the stage of agreeing the order parameters.

One of the largest services docs4you.ru (a legal entity LLC Mezhregionservis) has already taken this practice as a basis.

As for the price policy, you can conduct an independent market research for the best price, however, after viewing dozens of sites, you will be able to make sure that the prices for these services are approximately the same for all. However, it is worth noting that most of the sites belong to the same owner, as a result of which you will be forced to make an order from him, and this quite restricts you as a customer in choosing a service provider. Unfortunately, that part of the sites in question is nothing more than fraudulent traps. Firstly, these sites collect personal data for resale, and secondly, after paying for their services, you most likely will not receive answers to your questions, just like the services ordered.

Against the backdrop of research, several providers of quality and legal documents can be identified for obtaining credit or employment. One of them is a service located on the Internet at http://docs4you.ru/

On the good service can be judged by the positive feedback, which in relation to this company is enough.

In any case, whatever service you choose as a manufacturer of documents for obtaining a loan, we wish you successful cooperation and successful approval of the loan.

And most importantly - do not pay forward for any service. In our time it is quite easy to lose your money due to naivety or lack of awareness. If you are offered to start work only after receiving a prepayment - boldly refuse, most likely, it's scammers.

Consider a reliable payment scheme for the example service docs4you.ru

This company offers to pay for their services after the production of documents and providing you with a photo report. In fact, you get a photo of the finished documents, check the data indicated in them, and only after that make payment. This is the best way of cooperation, excluding fraud on the part of the manufacturer and increasing your chances of taking a loan.

I wish you success!