What are the interest rates on bank loans? Which bank is better to take out a loan: criteria and stages for choosing favorable conditions

Unfortunately, the economic situation in our country has left much to be desired for a long time. Every person has needs. But the means to satisfy them are not always available. That’s why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan conditions. Only after comparing several options can you understand which one to take out a loan from.

Clear leader

This financial institution offers several Take, for example, consumer. It can be issued at Sberbank even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can reach five years.

More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts at 13.9%. Only the deadline remains unchanged.

Many people, wondering which bank is best to take out a loan from, like to make preliminary calculations so that the potential benefits can also be seen. Well, we can give an example. A person with an income of 60,000 rubles per month, receiving a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the amount of overpayment will ultimately be 95,000 rubles.

"VTB 24"

When talking about which bank is best to take out a loan from, one cannot help but mention VTB-24. After all, this organization takes second place in the ratings.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. “Fast” - from 100 tr. up to 3 million. The period within which you will have to meet when paying off the debt ranges from 6 to 36 months. And the last type is a “Convenient” loan. You can use it for an amount starting from 100 thousand rubles. up to RUB 399,999 Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, wondering which bank is better to take out a mortgage loan from, are advised to contact VTB-24. This organization has truly excellent conditions. Let's say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually escalating. In this case, VTB-24 offers to issue a mortgage for 10 years. If a person receives about 65,000 rubles per month, then the rate for him will be only 11.4% per annum. And you will need to pay 39,000 rubles/m.

RosselkhozBank

This financial organization is in third place in the ranking. Many, having studied in detail the question of which bank is best to take out a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the “salary project” program of this organization. For them, the interest on a consumer loan without guarantee starts at 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to pay only 26,000 rubles/m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take out a loan from.

In addition, there are favorable mortgage offers here. For housing in the Tsaritsyno residential complex, for example, the minimum annual rate is set at 7.5%. There are also military mortgages, loans for the purchase of real estate with government support and many other offers. You can even apply for two documents! Only for this you will have to make an initial payment of 40%. A person’s ability to immediately give away such an amount is verbal confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then the rate for him will be 14.4% per annum. Only monthly income should be 60 thousand rubles. Because every 30 days you will have to pay 40 thousand rubles. as payment.

"Alfa Bank"

In many ratings that clearly demonstrate which bank is better to take out a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. Duration - from one year to five years. There are no fees, no guarantor is required, APR starts at 13.99%, and issuance decisions are made within a day. And early repayment is possible, which can be negotiated even over the phone.

Also, good mortgage conditions are offered to salary clients of this organization. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with an initial payment of 30% and execution of only one document. The rate will be 17.3% per annum. If you want to purchase a residential building, you will have to contribute 40% of the total amount.

"Gazprombank"

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take out a loan. Many call it one of the best.

If you take out a loan for a period of up to a year, the rate will be 13% with collateral and 14% without it. Do you need a loan for a longer period? If it varies from one to three years, then the annual rate will increase to 13.5% with security and to 14.5% if there is none. And on a loan for a period of 36-60 months you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is 0.5% lower.

OTP

This organization is also not in last place in the ranking of verified financial organizations. Moreover, many people recommend it if a person is interested in which bank is better to take out a consumer loan.

OTP loans are issued in cash and for any purpose. Let’s say a person needs to borrow 500,000 rubles. for a period of 24 months. He may be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.

A mortgage in OTP is also profitable, especially for “our” clients. The maximum term is 30 years. For mortgages with state support, rates start from 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, and when purchasing at their centers you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial organization. Many people often advise turning there if a person is interested in which bank is best to take out a profitable loan.

The minimum amount is 100,000 rubles, the maximum is a million. Terms can vary from 24 to 84 months. The rate starts at 16.5%, and the decision on issuance is made within three working days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also get a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. The down payment should be 15%. The maximum loan amount is not limited, but the minimum is 600 tr. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, it is still possible to partially reduce the loan, the amount of payment or early repayment.

"Yugra"

This is a joint-stock commercial organization. When talking about which bank is best to take out a loan from (the list of names, as one can already understand, is very wide), one cannot help but mention Ugra. It issues four types of consumer loans. There are “Friendly”, “For any purpose”, “Loyal” and “Pension”. The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So to apply, you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The down payment must be 20% of the total amount. The mortgage term is from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

"Avtotorgbank"

This limited liability company is also worth noting when talking about which bank is better to take out a loan from. The rating mainly shows popular names of financial organizations. Few people have heard of Avtotorgbank. But it offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money for a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The period can vary from 6 to 60 months. The down payment must be at least 20% of the cost of the car. A deposit is not required, since the purchased car becomes the deposit (you will need to transfer the title to the bank for safekeeping).

If a person takes an amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many people take out a loan in euros or dollars, since in any case, no matter what term the client chooses, the rate will be 15%. But in this case, there is also a risk, and it lies in the unpredictable exchange rate.

"Sovcombank"

This organization is also worth noting with attention, talking about which bank is better to take mostly positive things about it. After all, Sovcombank makes favorable offers to its clients. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles can be issued at a bank at 12% per annum. The requirements for borrowers are low - Russian citizenship, age from 20 to 85 years, 4 months of work experience at the last job and permanent registration in the region (also at least 120 days).

There is a consumer loan “Standard” with a maximum amount of 200,000 rubles, “Superplus” (600,000 rubles), “Pension”, “Express” and even the so-called loan “For those responsible”, provided upon presentation of a passport and a higher education diploma .

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.

If there is a need to take out a loan from a financial institution, you need to study many conditions and offers in order to determine which bank is more profitable to take out a loan in 2017-2018. Let's consider the main selection criteria and current offers of banks, and also clarify the specific conditions through which the terms of the loan program can be optimized.

Cash loan offers from banks

Having determined the list of institutions to which a citizen meets the requirements as a borrower, you can study which bank to take out a profitable loan on more interesting terms. First, you need to compare offers in terms of amounts and terms to assess your capabilities regarding the monthly payment. Today the following offers are available for unsecured consumer loans:

• Sberbank: up to 1.5 million rubles up to 5 years;
• VTB 24: up to 3 million rubles up to 5 years;
• Alfa Bank: up to 1 million rubles up to 3 years;
• Raiffeisenbank: up to 1.5 million rubles up to 5 years;
• Uralsib Bank: up to 1 million rubles for up to 5 years (or up to 7 years - on an individual basis);
• Stibank: up to 2 million rubles up to 5 years;
• Sovcombank: up to 400 thousand rubles for up to 3 years;
• Rosselkhozbank: up to 1 million rubles up to 5 years;

Considering a regular consumer loan in 2018, which bank is more profitable to apply for depends on the client’s needs. For example, if you need an amount of about 1 million, but the client cannot return such an amount in three years due to income restrictions, he will need a program designed for 5 years. Therefore, Alfa Bank and Sovcombank need to be crossed off the list.

Using the same principle, it is worth assessing the minimum loan limits. Typically, the request starts from 20-40 thousand rubles, but there are also programs whose lower limit is located at around 100 thousand rubles. The minimum period of interaction for debt repayment is limited to an average of 3 months. But some institutions are not ready to enter into an agreement for less than a year (Alfa Bank, Raiffeisenbank).

Which bank can you get the best cash loan in 2018?

Basic requirements for clients

When assessing which loan is the most profitable in 2018 and in which bank, you need to first evaluate your characteristics for compliance with the requirements for borrowers. They differ for all institutions, but the minimum set can be expressed as follows:

When studying the requirements for favorable loans in 2018, which bank to choose depends on the amount of income. Some of them are ready to cooperate only with clients who receive a certain level of income. For example, from 10 thousand rubles in Alfa Bank or from 15 thousand rubles in Raiffeisenbank (25 thousand rubles for Muscovites and St. Petersburg residents), from 30 thousand rubles in Citibank.

Features of interest calculation

The size of the offered rate is the main point that needs to be assessed when choosing which bank is profitable to take out a cash loan. The parameters declared by institutions in 2018 are averaged. The final indicator is revealed only when calculating the individual characteristics of the client. Today, proposals for banking programs look like this:

• Sberbank: from 17.9%
• VTB 24: from 17-19%;
• Alfa Bank: from 23.99%;
• Sovcombank: from 26.9%;
• Rosselkhozbank: from 22.9%;
• City Bank: from 25%;
• Uralsib: from 22.5%;
• Raiffeisenbank: from 17.9%.

Having assessed the criteria stated by banks, it is enough to simply understand which bank has a favorable interest rate on the loan. But many of them provide additional conditions, due to which the indicator changes either down or up.

The most common additional requirement is related to the purchase of a life insurance policy. If available, the rate is reduced by 0.5-1%. There are also opposite situations, for example, in Rosselkhozbank in 2018, an increase of 4.5% is provided for clients without a policy. Therefore, it is necessary to conduct a more detailed analysis of the accrual conditions in the selected institution.

There are developments to reduce rates for compliance with certain conditions. For example, at Uralsib Bank you can get a 1% discount if you submit an application through the website and not in person. Renaissance Bank and some others offer discounts if the applicant has a positive credit history.

Package of documents

The last thing you need to find out in order to find out exactly which bank has the most profitable loan in 2018 is the mandatory list of documents to be completed. The standard list looks like this:

• Passport;
• Labor book;
• Personal income tax-2.

If a guarantee is used, similar papers are required from the guarantor. With the collateral program, documents are required on the ownership of housing and describing its characteristics.

Some institutions provide for registration without the mandatory provision of a certificate. In this case, additional proof of identity will be required, for example, rights, pension or SNILS. Such conditions are possible at Sovcombank.

In some cases, it is allowed to replace the certificate with a document that will help explain the client’s level of solvency. Documents for an existing car, a foreign passport with a note about a trip in the recent past, a voluntary medical insurance policy, etc.

Having chosen which is the most profitable cash loan and which bank is best to take it from, it is worth assessing one more criterion: the procedure for receiving money and the features of debt repayment. Sometimes, to get a loan, you need to open an account. Here it is worth clarifying whether its service will be paid. You can also order a loan to an existing account at this institution. But sometimes there are situations when the bank transfers the permitted amount only to the account of another financial institution where the client has an account. If you need a loan in cash, then it is worth finding out the tariff for this procedure. Mostly it is free if performed in a bank department, but may be limited in size.

Take out a secured consumer loan

If it is necessary to request a very significant amount that is not included in the specified ranges, which bank offers a favorable consumer loan depends on the ability to provide collateral or security.

For example, in Sberbank, with the help of a guarantor, you can request twice the amount - up to 3 million rubles. In this case, the income of the selected guarantor will participate in the calculations and will help to obtain a positive answer if the borrower’s salary is not so high.

Bail programs in each institution are individual and offer different conditions. Here it will not be possible to determine which bank is profitable to take out a loan from. It all depends on whether the applicant has a suitable collateral:

• Sberbank: private house, plot, apartment, garage, town house, etc. real estate.
• Rosselkhozbank: any liquid property of the applicant, co-borrower or guarantor, incl. legal entities
• Sovcombank: a car not older than 19 years, not pledged and not participating in the car loan program.
• Orient Express Bank: apartment, country house, commercial real estate.
• Lokobank: car not older than 16 years.
• Ural Bank for Reconstruction and Development: a car no older than 6 years (for foreign models - 8 years), not used for profit.

Collateral programs are distinguished by very significant amounts: up to 10 million rubles in Sberbank, up to 15 million rubles in Rosevrobank, up to 9 million rubles in Raiffeisenbank.

You can only request an amount within the cost of the proposed object minus 20-40%, which takes into account depreciation, price changes during such a long interaction and the possibility of quick implementation. Debt repayment periods are already limited to 10-20 years.

To identify the most profitable loan and which bank is best to request it from, it is worth comparing the most basic parameter that affects the amount of overpayments - the interest rate. By the way, for programs with a guarantee or collateral, it is usually several points lower due to the presence of confirmation of the client’s solvency in full in comparison with the loan amount.

Advantageous loans in 2018

Separately, it is worth noting that clients who receive wages on a bank card can take out the most favorable loan from the bank from which they receive accruals from their employer in 2018. By contacting your institution, you can find out about the availability of special conditions for payroll clients on loans. Typically, they are expressed in an accelerated application review procedure, a smaller package of documents and a more interesting rate:

• Sberbank: from 15.9%;
• Alfa Bank: from 16.99%;
• Rosselkhozbank: from 15.5%;
• Uralsib: from 17%;

Some institutions are developing separate programs with favorable conditions for employees of partner companies.

Similar favorable loans are offered to pensioners, in which banks they receive payments. For example, Sberbank offers a 2% discount, receiving a response upon request on the day of application and processing only with a passport and pension.

Many institutions are developing special programs for senior citizens. For example, at Sovcombank it is Pension Plus at a rate of 19.9%. For this category, not only a reduced rate is provided, but also fewer restrictions on the amount requested. For most programs, senior citizens do not need to explain the amount of their income and can go through the entire procedure only with a passport.

Conclusion

When choosing which bank to take out a profitable loan in 2018, it is advisable to choose one to which you can make payments in several ways: through terminals, transfers from cards, through intermediaries (Svyaznoy, Zolotaya Korona), transfers through post offices or other banking structures. The more options there are, the less likely you are to encounter problems when paying.

Consumer loans at a minimum interest rate

Today, banks are gradually reducing interest rates on consumer loans, but they are doing this extremely reluctantly. For example, some credit institutions advertise minimum rates in an attempt to attract customers. But in fact, they issue loans at a high interest rate, reducing it to the stated amount only a few months after the money is issued.

This strategy can be considered a cunning trick by bankers, but on the other hand, for many individuals, for example, those who cannot boast of an ideal credit history, this is a good opportunity to borrow money for a long term at an acceptable rate. Agree, many of us, having been refused a loan from large state banks, are ready to overpay slightly for a couple of months, but then repay the loan for several years at a low rate. In addition, this is a chance for clients with a bad credit history.

It should also be noted that many banks today require a minimum package of documents from borrowers and even issue consumer loans using only a passport. If you provide a certificate of income and a copy of your work record, you can borrow a very large sum from the bank at a low interest rate and for a long period of time.

10 consumer loans with low interest rates

Here we have collected the best offers from banks in Moscow, St. Petersburg and other cities of the country, where today you can take out a consumer loan on favorable terms. The interest rate will be low, but the probability of approval of the loan application will be high.

Loan for any purpose at Otkritie Bank

Today you can get from 50,000 to 5 million rubles from Otkritie Bank, with no collateral or guarantee required. Funds are issued for a period of 24 to 60 months, that is, from 2 to 5 years. A decision on the application is made within 15 minutes to 2 working days. The only restriction is that the funds received cannot be spent on business-related purposes.

Who can get the money

What documents are needed

Easy loan from Gazprombank

Gazprombank today offers loans from 50,000 to 3 million rubles. Funds can be borrowed for a period from 13 months to 7 years. In this case, to receive money you do not need to involve guarantors or leave anything to the bank as collateral. The loan is issued without collateral.

Who can get the money
Age from 20 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Raiffeisenbank loans

At Raiffeisenbank today you can get a loan for any purpose without collateral or guarantors. Up to 500,000 rubles can be borrowed with just two documents. All you need is a passport and income certificate. If you ask for a large amount, you will have to carry a copy of the work permit. Citizens of the Russian Federation, except individual entrepreneurs, aged 23 to 67 years can receive a loan.

Who can get the money
Age from 23 years; experience of 3 months.

What documents are needed
Passport + Proof of income.

Cash loan from Home Credit Bank

A consumer loan from Home Credit Bank can be obtained without collateral or guarantors. There is also no issuance fee. Those who have already borrowed from Home Credit Bank can count on an amount of 1 million, and new clients will be offered to first borrow up to 500,000 rubles for a period of up to 5 years. The package of documents is minimal: the loan is issued according to your passport. But you can also provide SNILS, and for pensioners - a certificate from the Pension Fund. Citizens of the Russian Federation under the age of 70 who have a permanent source of income can apply.

Who can get the money
Age from 18 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Alfa-Bank loans

Today you can take out a loan from Alfa-Bank without commissions or guarantors, and the rate does not depend on the availability of insurance.

Citizens of the Russian Federation aged 21 years and older can receive the money. It is important to have a permanent income of 10,000 rubles after deducting all taxes and continuous work experience of at least 3 months.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Sovcombank loans

Sovcombank has many loan programs for obtaining money for various purposes. Using your passport, you can take out a loan in the amount of up to 40 thousand rubles. And you can get up to 30 million rubles using real estate as collateral. An important advantage of Sovcombank is that pensioners up to 85 years of age can get a loan here, and no extra certificates or documents are required.

Who can get the money
Age from 20 years; experience of 4 months.

What documents are needed
Passport + 1 document + Confirmation of income.

Loans from Renaissance Credit Bank

At Renaissance Credit Bank you can receive money on the same day of application. The bank is most likely to approve a loan to clients aged 25 to 70 years, who can confirm their employment with a copy of a work book certified by the employer or an employment contract. It’s good if the borrower has an income of more than 8 thousand rubles per month.

Who can get the money
Age from 24 years; experience of 3 months.

What documents are needed
Passport + 1 document.

UBRD loans

The Ural Bank for Reconstruction and Development is registered in Yekaterinburg, but it has offices in many cities of Russia: Krasnodar, Nizhny Novgorod, Kazan, Samara and others. You can take out a loan from UBRD by providing only a passport and income certificate. Clients aged from 21 to 75 years with a total work experience of 12 months, 3 of which were at their last place of work, can receive money. By the way, UBRD has a special product for older people - the “Pension” loan. Pensioners can receive money only with a passport.

Who can get the money
Age from 19 years; experience of 3 months.

What documents are needed
Passport + 1 document.

Loans from OTP Bank

OTP Bank today provides the opportunity to issue cash loans to individuals on favorable terms. Depending on the client’s needs, the credit manager will select the most suitable lending option. Applying for a loan at OTP Bank is possible in just 15 minutes. Citizens of the Russian Federation aged 21 to 68 years, including pensioners and individual entrepreneurs, can apply for money.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed

Low interest loans from Vostochny Bank

At Vostochny Bank you can get the necessary amount of money without unnecessary certificates and other documents. A loan in the amount of up to 1 million rubles is issued according to your passport, the application is processed quickly, and the rate is quite low.

A consumer loan from Vostochny Bank can be provided to any employed citizen of the Russian Federation aged 21 to 76 years with at least 3 months of work experience at their last place of work.

A loan for a larger amount - up to 30 million rubles - can be obtained from Vostochny Bank using real estate as collateral. The loan is issued for a period of 15 years, and the interest rate in this case will be minimal.

Who can get the money
Age from 21 years; experience of 3 months.

What documents are needed
Passport + 2 documents + Confirmation of income.

Loan calculator: calculate payment online

How to get a consumer loan at a low interest rate

✓ First, contact the bank where you are a payroll client. If you receive a salary on a Sberbank card, then the first thing you do is go there for the money; if you are a salary client of VTB, then act accordingly. In your “native” banks, you will most likely receive lower interest rates and a minimum package of documents.

✓ Secondly, don’t get hung up on one bank. Consider several options. Apply to multiple places at once. Believe me, each bank will offer you its own interest rate and you can choose the best option.

✓ Thirdly, don’t be lazy to collect more documents. Many banks today issue cash loans without proof of income, and sometimes only with the passport of a Russian citizen. This is convenient, but the interest in these cases is unlikely to be minimal. To get a really low rate, confirm your financial solvency with documents: a certificate in form 2-NDFL and a copy of your work record book.

Do you know that…

A loan today may be denied due to a high personal income tax

Before applying for a loan, try to at least approximately calculate your Debt Load Index (DLI). It represents the ratio of monthly loan payments to the client’s total income, confirmed by documents.

Today, all banks and microfinance organizations must necessarily calculate the personal income tax of each client who plans to borrow more than 10,000 rubles. If it is high, then the money will most likely be refused.

How to calculate PDN

Banks and microfinance organizations use a rather complex formula for calculations. But you can roughly calculate your PDN yourself. To do this, you need to divide the monthly expenses for all loans by income.

PDN = (all loan expenses for 12 months / official income for 1 year) × 100%

If you pay more than half of your income to repay loans, then such a personal income tax is considered high and a new loan may not be given.

To increase the likelihood of loan approval:

✓ Repay existing loans as much as possible;

✓ Reduce credit card limits;

✓ Provide documents to confirm income received other than at your main place of work;

✓ Find a co-borrower with a high income.

How to assess your strengths before getting a loan

Before applying for a loan, it makes sense to conduct an experiment, that is, try to live for at least a month on the money that will remain after making the loan payment.

This is advised by the first vice president of the self-regulatory organization (SRO) National Association of Professional Collection Agencies (NAPCA).

This way you can understand whether it is realistic to live on the amount remaining after paying the monthly payment or not.

Ideally, loan payments should not exceed 30-40% of income.

Please note that the above conditions and interest rates on deposits of individuals are not a public offer.

How to get a loan with a bad credit history if you are refused everywhere? Where can I urgently get a cash loan to pay off other loans? Which bank can you get a loan at a low interest rate without refusal?

Hello, friends! Eduard Stembolsky and Dmitry Shaposhnikov welcome you again.

Today we'll talk about loans. Money (small and large sums) may be needed at any time: everyone has their own life circumstances.

In situations where there is no way to borrow money from friends, you have to take out a loan from banks or microloan companies.

We will also consider many other questions - where to get a loan without a guarantor, how to get a loan via the Internet and how not to take out unnecessary loans so as not to get into debt.

So, let's begin!

1. What is important to know about the modern credit and loan market

How to get a loan at the minimum rate? Where can I get a loan in cash or by bank transfer? In a person’s life, situations often arise when money is needed urgently and in large quantities.

In such cases, a loan is almost the only way to solve a financial problem quickly and efficiently.

The only thing you should remember when taking out a loan is the need to repay the loan.

There are many ways to get a loan: each of them has pros and cons. You can take out a loan from a bank, a microfinance organization, or a pawnshop - later in the article each option will be discussed in detail. The main thing is to approach the matter soberly and reasonably assess your own financial potential as a borrower.

Before borrowing, experts advise taking into account several important points and answering a number of pressing questions:

• Think about whether you really need this loan? Are you ready for an increase in financial burden? If you buy an expensive item with the help of a loan, decide – is this item really necessary for you?
• Decide on the loan amount. You should think especially carefully if you decide to take out a mortgage that lasts for several years (and sometimes even decades).
• Turn on your mind and put aside your emotions: in monetary matters one should be guided only by sober calculation.
• If you take out a loan from a bank, take care of all the documents, which will help you borrow money with a minimum interest rate.
• Decide in advance the purpose of the loan: banks often offer targeted loans (for weddings, education, buying a car and an apartment). Find out which bank is more willing to give car loans, and which one is more profitable to get a mortgage. Many banks offer consumer loans for urgent needs - for such loans you will not be required to report on what purposes you intend to spend the funds.
• Decide which bank to take out a loan from. If you already have a salary account or have opened a deposit in a bank, then its employees will be more willing to consider a loan. In this case, the interest rate will be more feasible, and in some cases, income certificates and other documents will not be required, since the information is already on your account.
• Every reputable bank posts important information for clients in its office or website - carefully read all points of the “borrower’s memo”: This will help you correctly apply for a loan.
• Be sure to check with the bank how can I pay a loan?. It is important that this method is as convenient as possible for you. Sometimes late payments occur due to the inconvenience of repaying the debt.

Observation from life

If the bank employee with whom you are consulting about applying for a loan answers your questions evasively, reluctantly, or often finds it difficult to answer, do not rush to draw up an agreement - you will probably find some “pitfalls” after its conclusion.

However, banking services are not the only way to solve your financial difficulties. Below we will look at other ways to borrow money urgently, without a guarantor or certificates.

2. Bad and good loans - what's the difference?

Some people have a negative attitude towards any loans. But this is not entirely true.

It is important to know that credit is different from credit. The fact is that not many people know that there are good and bad debts.

Let's explain the difference.

For example

You took out a car on credit, took advantage of a car loan (in this case, your car can either bring you money or take it away).

Then you have 2 options for using the car:

1. For fun. You take your friends (girls) for rides, go on trips. At the same time, you pay for insurance, gasoline and maintenance in any case. But to these expenses you also have loan payments. That is, your car is a money eater for you, or in other words, a liability. In this case, your credit is bad.
2. For work. You are a professional private driver and taxi driver. Then, let’s say you earn 45,000 rubles per month using a car, and pay 15,000 rubles on a car loan. Then your car is an asset, that is, property that increases your income. In this case, your credit is good.

Conclusion: if you take out a loan in order to earn more with it, that is, your profit will be higher than the loan payments, then it can be called good.

If you borrow money in order to improve your mood, “show off,” and so on, then such loans are classified as bad.

If you want to learn how to earn money with good loans and effectively manage your personal finances, we recommend that you play the Cash Flow game.

There is a popular article on this topic on our website:. In this article, Alexander Berezhnov, our colleague on the HiterBober.ru project, shares his experience of participating in and running this game.

3. How to get a loan without refusal - 7 real ways

It is quite possible to get a loan without refusal and urgently, you just need to know where to turn. We have selected 7 real ways to receive cash and non-cash loans.

Method 1. Microfinance organizations

Microloans are a relatively new financial service. This is a cross between private and bank loans. Microfinance organizations lend more readily than banks and do not require the client to report on the purpose of the loan and other points. The only negative is the small size of loans compared to bank loans.

Microloan- this is a loan in the amount of up to 50,000 rubles for a specific period. Under standard conditions, this is a month from the date of execution of the contract.

To take out a loan, you only need a passport (no guarantors are required) and a decent appearance. Microfinance organizations are an option to get a loan for an unemployed person or a person without a credit history.

Advantages of microloans:

• Quick processing: the application is completed in 5-10 minutes, you do not have to waste time collecting certificates;
• No guarantor is needed;
• You can complete the transaction online at home;
• You can repay the debt within a month or less.

This is the most convenient option when you need money right now. Microloans are an alternative way if you are refused by the bank (due to the lack of necessary guarantees). Microfinance companies will help those who want to get a loan quickly and without numerous questions from the lender.

Most firms providing such services operate both in “ground-based” application collection points and through the World Wide Web.

You simply register on the portal and receive money without collateral, guarantors, income documents, financial history information and other “troubles”. On the resource you need to fill out a form, leave your phone number and go to your personal account.

After this, all that remains is to select the required amount, the debt repayment period, agree to the company’s terms and conditions and submit an application for a loan.

You should take only as much as you need: you should not succumb to the persuasion of employees of a microfinance organization to take an amount greater than you yourself want (say 10 thousand instead of 8). The difference of several thousand in case of delay will increase into tangible payment percentages.

If you have a Qiwi wallet, taking out a loan will be even easier: the money will be transferred to your account almost instantly after completing the application.

True, the initial loan on a card without providing financial history will be small ( up to 5,000 rub.), but subsequent amounts will increase many times over. If you repay the loan early, the interest rate will be minimal.

If working with the site seems too complicated for you, you can take out a loan using your passport at the office of a microfinance company closest to your home. A decision on your request will be made literally in 5 minutes.

What determines the interest rate on loans? From two points - the amount and repayment period of the debt, which you choose yourself.

Microloans also have disadvantages. The biggest disadvantage – accrued interest. Microcredit rates are usually higher than for a bank loan.

The overpayment percentage will be especially high if for any reason you are late in payment.

Example from life

A friend of ours took 20,000 rubles before salary to buy a gift for his girlfriend. His salary was supposed to be transferred literally in a week. However, there was a delay with the transfer, and then the money was urgently needed for other needs. As a result, a slight delay of a few weeks cost him almost 15 thousand in overpayment.

Conclusion

microloans are a convenient way to take a day off for urgent needs, but they must always be paid on time.

Method 2. Private loans against receipt

Where to get a loan without a credit history? What to do if you are refused by a bank or a microfinance organization (this happens)?

There are two options left - take it from relatives (friends) or from an outside private person.

We don’t consider the first method: let’s say relatives refused, and friends, as luck would have it, don’t have cash at the moment. Let's consider the second option - to borrow from a private person, a complete stranger to you.

Advertisements of this type can be found at any bus stop or even at the door of your own entrance: “Money from a private person”, “I will lend without guarantors”.

It sounds quite strange - why on earth would an outsider suddenly decide to lend money to another outsider? Thoughts about free cheese immediately come to mind. In reality, such an operation is quite safe and It is completely legal if it is executed properly.

The guarantee of repayment of funds on a private loan is a legally competent receipt certified by a notary.

Such a document looks like this:

We invite you to download a receipt form for receiving funds

If you think about it, the borrower is at greater risk in this situation, not the lender. Private investors always take into account the likelihood of non-repayment of the debt, so they charge impressive interest for their services. Sometimes they are 2 times higher than bank loan rates.

And one more disadvantage: if for some reason the client does not repay the borrowed funds on time, the investor can contact a collection company, which will have the right to deprive the borrower of the collateral. Lenders may have other, even less pleasant ways to return money.

That is why this method of quickly getting a loan should be practiced only when you We are absolutely sure that you will return the money on time .

The advantages of this option are obvious:

1. Availability– many offers that give you the opportunity to choose the most profitable option;
2. Efficiency: made a decision, completed a deal, took out a loan;
3. Transparency of design. The minimum set of necessary documents and a clear form of registration is a promissory note.

Offers from private owners can also be found on the Internet. Many people with a lot of money are not averse to lending their finances to everyone.

Before signing a contract, carefully study its terms, especially the clauses written in the smallest font.

Method 3. Credit card

A credit card (also known as a “credit card”) is a bank payment card that can be quickly issued at almost any bank. With such a card you can carry out payment transactions within the limit provided by the bank.

Limits on the amount are set according to the client’s solvency, which is determined by bank employees.

The card can be used as a replacement for a consumer loan or a loan for emergency needs.

The main advantage of a credit card is the ability to use a loan without reporting to the bank about its intended use.

Another plus is the constant renewal of credit opportunities after debt repayment.

Also, most cards have a so-called interest-free loan repayment period. That is, if you replenish your balance on time to the original balance, then you will not be charged interest.

More useful information is in the article “”.

Method 4. Loan secured by property

There are loans without collateral and loans secured by property. An unsecured loan requires guarantors and a large official salary. The total income of your guarantors should allow you to pay off your loans if this becomes difficult for you.

As a rule, larger loans are issued against collateral. In which case the bank has the right to seize and dispose of the collateral at its own discretion.

You can use the following as collateral:

• Real estate;
• Personal car;
• Securities;
• Land;
• Other valuable property at the discretion of bank employees and parties to the agreement.

The mortgaged housing must be suitable for living. If it is in shared ownership, the bank requires the official consent of all parties to the agreement.

Throughout the loan repayment period, the borrower has no right dispose of (sell, donate) one’s own property.

Remember that banks always reduce the real value of collateral ( sometimes up to 50%) - in this way they insure themselves against the risks of late repayment of the loan, so that if something happens they sell the property profitably.

Method 5. Pawnshops – quick cash lending

Most people have valuable items that can be taken to a pawn shop and received cash for them. These institutions willingly accept jewelry, gold and antiques, however, the valuation of such things is not always adequate to their real value. If the item is dear to you as a family heirloom, take care of its timely redemption from the pawnshop.

If you fail to redeem your property on time, it becomes the property of the pawnshop - then the office disposes of the items at its own discretion. Usually the organization sells such things to fellow lovers of valuable things directly from its counter.

Some companies that buy valuables accept, along with jewelry, modern mobile devices, expensive equipment in good condition, and sometimes even cars. Such companies call themselves digital equipment pawnshops.

In any case, any valuable item, be it an expensive mobile phone, an LCD TV or a gold ring, can bring you money even without being sold.

What to consider when working with pawn shops:

• operations to hand over property to a pawnshop can only be performed by adults;
• A passport is required;
• there is a storage fee;
• the return of property is carried out after depositing (returning) the full amount of borrowed funds;
• Pawnshops do not accept raw stones (semi-finished diamonds).

A significant disadvantage of pawnshops when obtaining a loan is that the valuation of your item is lower than the real value of the item due to the specifics of the business.

Method 6. Credit brokers

A credit broker is a kind of intermediary between banks and borrowers. The broker selects optimal lending schemes, interacts with appraisal and insurance companies, and fully supports the financial projects of its clients.

For its services, the broker naturally charges a certain fee, measured as a percentage of loan transactions. Based on individual agreements with banks, brokers can offer their clients more attractive conditions.

Example from life

Our friend Andrei needed to get a large sum of money from the bank. At the same time, he had to attend a business matter in another city: he simply did not have time to formalize the transaction and collect the necessary documents.

Andrey decided to entrust his affairs to a reliable credit broker (member of a brokers association) and was not mistaken: he saved time and at the same time received a more favorable interest rate.

Method 7. Borrow from friends

Also, by the way, an option to get a loan. If you respect the peace of mind of your friends and family, you can formally issue a loan by notarizing it.

Friends are unlikely to charge you interest on loans, but if it was a substantial amount and a long repayment period, it is worth thanking your creditors with a good gift.

And at the end we wanted to show you a visual comparison table of various credit options:

№		Time spent	Cash costs (overpayment)
1	Bank loan	1-5 days to collect documents	10-28%
2	Microloan	5-30 minutes	15-50%
3	Pawnshop	On the day of treatment	5-10% commission
4	Credit brokers	From 1 day	by agreement

4. Where can you get a quick loan - TOP 7 trusted banks

We present a list of banks that offer adequate interest rates, work quickly and rarely refuse clients.

1) Tinkoff Bank

Accelerated loan processing up to 70,000 rubles. This microfinance organization operates exclusively via the Internet. The client just needs to make an application by filling out several required fields, and loans will be available to him for a period of 5 to 18 weeks. If during this time you do not have time to repay the debt, you have the right to extend the loan terms.

Early repayment of the loan is not prohibited. For each day you use funds, the company will credit you with 1.85%. The first loan is up to 10,000 rubles. If you repay the loan on time and in full, larger amounts will become available to you. The only documents you will need are a passport. Funds are transferred to the card instantly after loan approval.

Example from life

Natalya (a friend of our friends) is taking out a loan for the third time in a row to purchase technological innovations. She needed her first loan to purchase the latest model of a smartphone from a well-known company.

The second was spent on purchasing a tablet from the same company. Now it's time to buy a new laptop. The salary in the beauty salon is only enough to repay one of the 3 loans. Natalya has not yet figured out what to do with the other two.

Why is this happening? Is it really difficult to master at least the basic concepts of financial planning? Psychologists say that the reasons should be sought much deeper.

People who take out loans for immediate needs subconsciously believe that they will not be able to make such purchases in the future - in other words, they do not believe in themselves.

6. Conclusion

Let's sum it up, friends!

We told you about where to get a loan, the types of loans, how to get them and alternative options. In conclusion, we would like to add that, of course, you should not be afraid of loans, but a frivolous attitude towards them is also dangerous.

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