Million rubles is an unthinkable amount that every person dreams of hardly. But everyone has absolutely different plans for the use of such good: some reflect on the opening of a personal business, others - about great real estate, the third - about a chic journey. It happens that a similar amount is necessary for treatment or rehabilitation. Whatever it was, to get on credit such a huge financial support is absolutely real, the main thing is to understand where to apply and what to provide.
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First of all, decide to obtain a loan. Different tasks require various documentary evidence. Since the amount is not small, the financial enterprise will require some obligations from you. If you have planned to open your own family business, you will be forced to provide a detailed business plan and constitute a periodic report on the tools spent. If Credit Credit - it will be necessary to receive and make a certificate of income.
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In addition to the basic conditions, there are some more important aspects. For example, a loan of 1,000,000 on doing business requires the presence of the following factors: the minimum duration of the repayment (3-5 years), the agreement of the spouses, the guarantee of the remaining project participants, material support (real estate, etc.), business activities are not Less than six months, the elimination of unprofitable stages in the activities of the enterprise, besides, the interest rate will mostly be about 10-13% per annum.
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Regarding consumer loans, the situation is somewhat changed. The period of payment can be 6-7 years old, and the interest rate is approximately 14-16% per annum. As a borrower, a person from 24 years old with an ideal credit history, a permanent registration and work site (at least 6 months).
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For a million million rubles, the following list of documents is required: a passport and another document confirming personality, certificate of income (for a period of at least six months) and several additional, different documents for each bank.
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On the territory of the Russian Federation there are several opportunities to take a million loan. We picked up most popular and profitable banking programs in this article. So, "Cash Credit" in the bank of Moscow offers the amount of up to three million for a period of up to 5 years. In this time, the interest rate can be from 17 to 39%. For obtaining a standard list of documents.
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The program "Cash Cash" from VTB-24 also provides the amount up to 3,000,000. The interest rate in such a loan is 18%. But the guarantee of another person is necessary. "Consumer credit with the provision" from Sobinbank is characterized by the conditions somewhat worst than the previous bank. The interest rate is higher, and the guarantee is still necessary. Another option is the Russian Standard Bank with the program "Credit for Million". Addressing this organization, you can count on the maximum amount of 1 million rubles under time up to 4 years and a rate of 24%.
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There are other organizations that can give you a million on credit. But each of them will certainly find certain advantages and cons. Before you take such a huge amount, you need to consult with a specialist, in order not to bury yourself into the lifetime in the debt.
It is impossible to deny the fact that everyone dreams of becoming a millionaire. Fortunately, this dream refers to the category of feasible. The main thing is to calculate everything to the smallest detail so that the colossal amount has become an advantage for you, not a curb.
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