If you pay a loan, but you urgently needed money, you can take the second. It is very important to correctly explain the bank the reason for the need for an additional loan - it should be weighty. Think if you can pay off two credits at the same time and solve the problem in case of loss of work.
1
If you decide to take a second loan, find a suitable bank with a convenient credit program. Analyze how exactly you are going to pay a loan may be suitable for small monthly contributions. After that, you can choose a program or take an ordinary loan.
2
If you are going to purchase a certain thing (car, apartment, household appliances, etc.), you will be suitable for a target loan with low percentages. If you want to spend money on other goals or distribute them into a few things, it is preferable to take a cash loan. In this case, you will be free in your traits. If you need a small amount, take a credit card.
3
You need to prepare all the documents again - the passport, a certificate of income, a copy of the Labor Book, etc. If you have a passport with stamps about crossing the border and a car testimony, chances to get a loan will increase dramatically.
4
After that, submit to the bank a statement. In most major organizations, this can be done online. When you fill in the questionnaire, be sure to indicate that you already have a loan and you pay it. If you hide this information, bank employees still receive it through the database. The fact of deception will spoil the view about you as an honest client. If your application is approved, you will receive money in cash or transfer to a bank account.
5
In many banks there is a program called "Removing". If you have a bank loan and you pay high interest on it, you can take a second loan in the same bank or friend - on your choice. In this case, the first loan is repaid at the expense of a new loan provided, you get additional money for the required costs. Thus, you only receive a part of the amount - everything else goes to repay the first loan. As a result, you will have one loan with an enlarged amount and low percentages.
6
If the selected organization refused to give you a loan, try to get it elsewhere. Contact several banks - write the questionnaires and send your application to the Internet. If it is possible, make an agreement of the collateral for valuable property. He will act as a guarantee that the bank will receive a loan with interest back. If you do not have valuable property, find multiple solvent guarantors. This option will also be a good guarantee.
7
There is another opportunity to receive a loan if you already have one. You can get microloans on credit card. There are special companies that provide precisely loans. In this case, you do not need to present documents (with the exception of the passport) and explain the purpose of the need for a loan. No one will check your credit history. The only disadvantage is a high percentage and short grace period. Go to the site of one or more such organizations and write a statement. Consultants will call you soon.
The above-mentioned tips will help you get an additional loan in one of the financial institutions. You have many chances to get a loan in smaller regional banks and organizations that provide microloans.
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