What documents are needed to obtain a loan from a bank?

Collecting the package of necessary documents is the first step in the design of any loan. Depending on the chosen bank and the credit program, their list may differ: some of them are required without fail, others - only with the execution of a certain type of loan. At the same time, the borrower's chances of obtaining a loan significantly increase if there are some certificates and certificates in the credit business. What documents need to be submitted for obtaining a loan, which of them are obligatory and which are not, and what are the different packages of documents in different banks, is described below.

Standard set of documents

Regardless of the loan product chosen, the manager will provide the borrower with a list of what documents are needed to obtain a loan. The client undertakes to provide the original passport and photocopies of all its pages, which the borrower can verify, as well as the signature of the manager of the bank accepting documents, and the stamp of the credit institution. Additionally, you need to fill out an application for a loan and a questionnaire. Some banks offer clients a request form that combines both forms.

List of standard documents for credit registration

Most banks give their customers lists of what documents are needed to obtain a consumer loan, and which ones - for obtaining a mortgage. As a rule, you will need:

1. A copy of the workbook or any other document that confirms the employment of the client is certified by the personnel department - a certificate from the employer, a contract, an extract from the work book. Such documents should indicate the place of work, position and length of service. Each page of the document must be certified. Seafarers are required to provide a passport, contracts for the last few years and their official translation into Russian.
2. Income statement. It can be drawn up according to the standard form of 2-NDFL or in the form issued by the bank. Certified by the seal of the employing organization and signed. It should include information on the amount of the borrower's income for the last six months at least. If, in addition to the salary, the client of the bank has a third-party source of income (from renting out a property, a pension, etc.), then the documents proving it are provided-such papers can significantly increase the chances of obtaining a loan.
3. Documents that confirm the fact of having a postponement from military service - military ticket, registration certificate and others. Are required only if the borrower is younger than 27 years.

Many financial institutions, in addition to the documents listed above, may require additional ones. What documents are needed to obtain a loan in addition - is described below.

Additional documents required by the bank

The documents listed below can be prepared not only at the request of the credit institution, but also on the individual initiative of the borrower. Most of these securities are able not only to confirm the social status of the borrower, but also positively affect the assessment of its solvency. Such documents can be provided to the bank when processing, as a consumer loan, as well as any other loans and loans secured by property - real estate or a vehicle. What documents are needed to obtain a loan in addition?

• Certificate of registration of a car or driver's license.
• INN.
• Insurance certificate of the pension fund.
• Passport - if available.
• All insurance policies - CASCO, OSAGO, OMC and others.
• The original certificate confirming that the borrower is the owner of the property, or a copy of it.
• Account statements from bank accounts, any documents confirming the existence of these accounts or securities.
• Xerox copies of papers about the received education: certificates, diplomas, certificates, certificates.
• Account statements, copies of previously issued loan agreements, certificates from credit institutions, confirming the absence of arrears.
• Copies and originals of birth certificates of children, imprisonment or divorce.

A credit organization when drawing up a consumer loan aimed at acquiring goods - for example, household appliances - may require the borrower to provide an invoice from the store; When drawing up a loan for education - a contract concluded with an educational institution, and a copy of his license, certifying his right to conduct such activities.

Making a loan in Sberbank

To obtain money in debt, a potential borrower can apply to one of the most popular banks - Sberbank. What documents are needed to obtain a loan in it?

If the borrower has never used the services of this credit institution, then the demands placed on it are times harder than for other customers, and verification of the received documentation will be carried out several times more carefully.

Required documents

The credit inspector should receive from the borrower the following securities:

• The document proving the identity is the passport.
• A work record book, a contract with an employer or any document confirming the existence of a permanent place of work.
• A certificate and an extract from the Unified State Register are provided by individual entrepreneurs.
• Reference 2-NDFL, tax returns with stamped FTS.
• Documents confirming an additional source of income - for example, with the rental of real estate or third-party extra-work. Notifying the bank about this will increase the chances of obtaining a loan.
• Under the age of 27, men must be provided with a military ticket in order to prevent late payment of the loan due to conscription.
• Persons acting as guarantors should not have any debts to credit institutions. In addition, they are required to provide a similar package of documents to the bank manager.

The Borrower may, on its own initiative, file a bank with a bank confirming its ownership of the property or any other property. Such certificates will confirm the solvency of the client and increase his chances of obtaining a loan.

Getting a loan from Rosselkhozbank

A standard set of securities required for obtaining a loan is available in each bank; Is not an exception and Rosselkhozbank. What documents are needed to obtain a loan from a financial institution?

The loan agreement is made after the following documents are provided:

1. Each person involved in the registration of a loan product completes the questionnaire. The form of the questionnaire can either be taken from the institution or found on the official website of Rosselkhozbank.
2. The document proving the identity. In most cases, a passport is required.
3. An employment contract or a book is a document confirming the employment of the borrower. Such documents shall be certified not later than one month before the date of application.
4. Reference 2-NDFL or a similar form issued by the bank and confirming the amount of income of the borrower. If the loan is registered with a pensioner, then it is necessary to present an extract about the calculation of the pension.
5. Military ID.

Above listed, what documents are needed to obtain a loan. Granting a full package to Rosselkhozbank will help to issue a loan, and will increase the chances of obtaining it.

Getting a loan in Sovcombank

One of the most successful banks to date is Sovcombank. What documents are needed to obtain a loan in it?

1. Passport of a citizen of the Russian Federation.
2. The second document confirming the identity of the borrower. They can be any paper - a driver's license, a military ticket, a medical policy.
3. Tax certificate in the form of 2-NDFL or a special document issued by the bank.
4. Employment contract or work book.

What documents are needed to get a loan to a pensioner?

A pensioner who receives his pension in the Savings Bank, for example, when applying for a loan, must provide only a passport, since all the necessary package of documents is already stored in the credit institution. If the pension is accrued by one bank, and the loan is issued in another, it is necessary to take a certificate from the Pension Fund about the amount of the pension.

The execution of a loan agreement with a bank requires the provision of a certain package of securities. What documents are needed to obtain a loan, and in which banks specifically - is described above.