What documents are needed for consumer loan

Consumer credit will require a relatively small package of documents from person, if he is not an individual entrepreneur. For IP, there are completely different ways to obtain a loan, and consumer is intended for individuals. If you have not come across such a type of lending, then it's time to figure it out in its mechanisms and package of documents.

1
What is a consumer loan

Unlike mortgage lending or car loan, the consumer loan is issued to citizens for personal needs: repair, purchase of furniture, equipment, possibly vacation and others. All this in the aggregate can be called consumer lending.

Some banks define a consumer loan that is the case, others, under consumer loan imply a non-target loan. That is, you do not specify officially your needs for whom you take money. Even if you are asked to specify the planned costs in the questionnaire, no one will check the accuracy of this list. Thus, the consumer loan covers all your personal needs.

2
Types of consumer credits

You can allocate the main types of such lending:

There is a so-called trade loan. This is also a consumer loan, however, it is issued right at the point of sale of a particular product. Most often it can be found in equipment stores. Consideration of the application may take just a couple of minutes, the collateral will not need. Due to the speed of approval of such loans and the absence of collateral, the interest rate for it is much higher;
Credit for urgent needs. Repair and purchase can be reached here. This is the most common consumer loan that can be given secured or with the guarantor. These loans are the most profitable, however, not every person will be able to find a guarantor for himself, then you will have to take an unsecured type of loan, which has a percentage rate above;
Credit cards can also be attributed here;
Express credit. This is the fastest and most disadvantage. Usually, for him you need a minimum of documents, and the interest rate will be very large.

These are all loans that can be attributed to consumer. The most important factors are the interest rate, the presence of a pledge or guarantor, the amount of payments monthly and the maturity of your loan.

3
What documents are needed for consumer loan

The loan is issued with the personal contact of the Bank's Office. You need to have such documents:

The completed questionnaire for issuing a loan. You can immediately download questionnaire Sberbank;

Passport of the Russian Federation;
If there is no marker about permanent registration in your passport, then provide a temporary registration certificate;
Confirm your employment. It can be a workbook, and a contract. If the loan is issued to sure, it will also be necessary to confirm the income of the guarantor;
If you are from 18 to 20 years, only your relative can act the guarantor. In this case, you need to prove your relationship.

You can place an application on the official website of your bank, employees either invite you for further design, or will send a refusal.

4
How to place an online application for a consumer loan

On sberbank website You can familiarize yourself with all available consumer credit and choose the desired one. After that, an online application for consideration of your candidacy is available.

Go to the site and read the conditions of each loan. To see additional information, click "Learn more."

If the conditions are satisfied with, you can immediately click "place an online application" and make personal data in a special questionnaire.

If you doubt, then at the bottom of the page you will find a credit calculator. It will help you learn the amount of monthly payments and the value of the loan.