Consumer credit - One of the most common ways to obtain finances to implement your needs. For example, such needs as the purchase of household appliances, furniture, education, home repair and much more.

The average period to which the client can get a loan is from 1 month to 7 yearsinclusive. At the same time, in most cases, funds are issued in cash, but sometimes also charged on the client's card. Many banks for receiving consumer loan up to 300,000 rubles require only one document - passport. Other additional information Financial organizations usually do not require. Those who wish to take the amount of this limit should be provided with the confirmation of its financial consistency for debt payment (certificate of income) or leave their own property.

Many financial institutions issue a consumer loan in the amount of 100 thousand - 1 million rubles. Some banks provide a small amount of loan from 5 thousand rubles, while other banks can provide a loan of up to 30 million rubles.

Our editorial board gathered the best deals on consumer loans for today existing on the Russian market in the table below.

Application immediately in all banks

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What if you refused a consumer loan?

There are cases when financial institutions refuse to provide a loan. Do not despair. There are 3 additional ways to get this service in Russia:

• You can improve your credit history;
• . The service is distinguished by simple and high-speed service. You can get a loan in cash in one of the company's offices or on the user's card, using the official site. Failures in the provision of microloans are rarely happening. At the same time, the interest rate for debt repayment will exceed banking;
• Submit a request for the provision of express loan. This Council is suitable if you want to get a small amount of funds in the loan. Plus, the percentages will also be overestimated.

Lower the interest rate to a minimum

Reliability and reasonable liability of the borrower can contribute to obtaining a lower interest rate. To acquire such a reputation in the eyes of the Bank's Financial Department staff, it is necessary to provide a possible list of documents, including those indicating the solvency of the Client. These include:

• Passport, passport;
• Military ID;
• Reduss;
• Pensioner's ID;
• Medical policy;
• Assigned taxpayer code (INN).

Information on permanent income and its size can be confirmed using the Help of the NDFL 2nd or 3rd for the period from 3 to 6 months. At the same time, the first option (2-NDFL) is more acceptable, since it indicates the constancy of financial income.

In addition, it is appropriate to enlist the support of one or more guarantors and provide information about the deposit property.

Additional factors affecting the interest rate

The amount of consumer loan repayment is influenced by such factors:

• Accrued interest;
• Additional commission fee (monthly or one-time);
• Repayment scheme.

To find out the full list of points that constitute the overpayment when consuming a consumer loan can be from the contract. At the same time, before making an agreement, a bank employee is obliged to present the amount to the client that is subject to payment. Sometimes more than half of the monthly payment goes to cover percentage accrues, as a result of which the client is overpaying.

Before signing the contract, carefully analyze the monthly payment scheme and the number of additional commissions.

Welcome to you, dear readers!

The bank in which I work, provides services not only to physical, but also to legal entities: We issue a card to which the salary is translated by employees. One construction company that changed the glass in our branches is also served with us. We came to us the worker of this company about the provision of a loan with the smallest interest. About such an opportunity for salary clients of the bank, colleagues told him.

Today I will tell you about how to take a loan.

What bank offers the smallest credit percentage?

Numerous financial organizations are completely offered by a loan and microloans on fabulous conditions. It is worth alerting here, because no one will just give money and is the likely that such associations will turn out to be fraudsters. If they are armed with some secrets, it is possible to take a loan in a large bank and significantly reduce the interest rate on it.

For example, at the pledge of property interests will be at times lower.

Loan can be beneficial to arrange without collateral, certificates and guarantors.

How to make a loan for the smallest percentage?

To get a loan without a significant loss in money, it is important to know some nuances in its design.

The probability is high, the interest on the loan will be less in cases:

• if you are already numbering the bank client, use banking products (contribution, calculating account for transferring money, debit card). Then you have a good reputation in the lender's eyes;

• if you are going to take a loan in a bank where you get a salary. Then the financial organization should spend time on checking the client's splitting.

"Soft" conditions for issuing borrowed funds are practiced by VTB 24 and Sberbank. Loan rates for salary customers there are below average by 1.5 - 2%.

• if you have already taken a loan in this bank and correctly paid it, not allowing debts. Each financial and credit institution monitors customer reliability;

The most desirable borrowers are bona fide payers, unquestioningly complying with all the terms of the loan agreement, which have repeatedly anti-credit, or persons who have given expensive property.

So, most importantlywhat affects the decline in the annual percent - Positive credit history. The fulfillment of your past duties to banks is an important criterion in which credit institutions assess the trangility of the borrower.

Based on these credit history bureaus, the ideal borrowers are only about 5% of the population. These are those who have not been afraid to leave the bank a deposit or lead the guarantor.

The low monthly fee for the consumer loan is possible in the presence of a sureter or pledge. In the latter case, the rate is usually below average by 1%.

About important criteria when issuing credits in video:

Be carefull

To date, the lowest percentage of consumer loan reaches 12% per annum, the average rate is 24%. However, it is necessary to realize that when you come to a specific bank, the conditions and interest rates in it can essentially disperse with the numbers presented here.

Usually banks impose great insurance, but it is not mandatory. Often, the conduct of loan operations is subject to the commission (every time payment). If you refuse insurance, the credit rate under the contract may rise several times. Attention should be paid to the possibility of early repayment of the loan without penalties. Usually banks establish restrictions in the form of a minimum amount or are not allowed to pay for a certain period, or a commission for early repayment. There are other tricks. It is necessary to carefully examine the clause of the contract, which states, what a fine awaits a payer in the event of a low-time payment. Therefore, before signing a loan agreement, you must carefully read it, carefully examine each item and small font.

Important! Carefully learn information on each bank, analyze the situation in the market. Check out the reviews of friends and Internet users, compare offers from different organizations. It is better to take a loan in a major reliable bank with a share of state participation, even if it seems that their rates are overestimated

However, in this section we have already taken care of this and presented a list of the most reliable banking institutions. You will have the opportunity to get acquainted with the credit offers of many of them. This will be discussed below.

You can not get an unambiguous answer to the question: "What bank sets the lowest percentage of loan?" There is no bank with the lowest or high percentages. For each specific client, financial institutions establish their rates, given the platform of the borrower, the existence of a pledge, guarantor, credit obligations (redeemed and relevant) to other organizations and other conditions.

In fact, special computer programs that exclude human resources are used to calculate interest rates. It should be borne in mind that order a loan with a low rate can be independently via the Internet. This method saves time and money, because within an online application, banks usually provide a reduced percentage.

Consumer loan 2017: Where do the most appropriate conditions provide?

In early 2017, consumer loans became more affordable for the population, since compared with the spring of the previous year, the rates at the rates were reduced to 5 - 6 points!

At the same time, the rule remains unchanged: the lowest percentage will be in a bank in which you are serviced: you are paying wages, a pension, benefits, use a mobile application, have a cumulative or debit account and other products.

List of financial institutions with income consumer loans

Sberbank offers three types of consumer loans.

Without security

Cash to one and a half million rubles are issued for a period of five years under 15% per annum. The increased rate is a consequence of the lack of collateral and the guarantee of others. However, for this, the physical person needs to prepare a package of documents: an employment record, an income certificate. If you are a regular customer of this bank, you can order a loan online without visiting the office and without providing documents.

With guarantion

The amount of 3 million rubles at 14.5% is issued for five years. Monthly payment is 15 thousand rubles. If the client provides a personal car as a collateral, then the guarantor will not need. But in this situation the interest rate will be crawled up.

Secured by real estate

Under these conditions, the percentage rate is 15.5%, but the return time is prolonged up to 20 years.

The limit size of the borrowed funds is 10 million rubles!

So, perhaps, this option from Sberbank is the most attractive:

• the amount of money issued is up to 10 million rubles;
• the maximum installment period is 20 years.

Rosselkhozbank: It is important to get into the preferential category of customers

Pensioners Rosselkhozbank offers a profitable rate - 16% per annum. It is not important that confirmation of the use of money on purpose is not required. The loan is issued for any purpose.

Older people are provided from 10 thousand to half a million rubles for the period up to seven years.

The same coefficient at the rate of the bank requests secured by the apartment.

As part of the target loan, Rosselkhozbank has special programs:

• "Gardener" - Web on the construction of a bath, enjoying the household plot, the acquisition of cottages. The amount from 10 thousand to one and a half million is issued for a period of one month to five years under 21% per annum;
• "Engineering Communication" - Means are issued for the purchase of equipment and connecting water, gas, electricity, other communications. Loan period and the percentage are the same as in the Gardener package, but the amount is less - from 10 thousand to 500 thousand rubles;
• "Reliable client". For clients with a flawless credit reputation, the Bank has developed favorable credit conditions: funds in the amount of up to 1 million rubles are issued under 18.5% for up to five years.

As for inappropriate lending, the money on the security of valuable property or with guarantion is issued under 21.5% per annum, if the loan is without collateral, the rate increases by 2.25 points - up to 23.75%.

Thus, it can be seen that the price of the loan "Pension" Rosselkhozbank in the amount of 16% and attractive Sberbank rates speak of a decrease in interest of financial products in 2017 by 2 - 5 points.

These two banks offer the most attractive loan conditions.

VTB 24

In this financial institution, you can make a loan to 500 thousand rubles under 17-19% per annum depending on the maximum term. This requires not required to provide information about income.

Without collateral, insurance and guarantors it is possible to borrow from the bank to three million rubles, but for this it is necessary to collect an impressive folder with documents: certificates of income and work experience, data on the ownership of the relatives living with the borrower.

Bank of Moscow: a large amount, but high cost

In general, the Bank of Moscow issues tempting consumer loans. For state employees (medical workers, teachers and teachers, officials, employees of power departments), the loan rate is quite attractive - 16.9%. For the rest of the categories of citizens, it is equal to 21.9% - 29.9% per annum depending on the secured papers and installments.

For participants in the salary project, the Bank offers favorable conditions: the amount up to 300 thousand rubles is issued under 24.9%, from 300 thousand to 600 thousand rubles - under 23.9%, from 600 thousand to three million - under 22.9%.

Thus, high loan rates in whatever the bank are provided to citizens who are not part of the preferential category. For a good credit history, in any case there will be a discount, regardless of which institution the client is leaving earlier.

Low percentage - does not mean well. Collapse of modern offers

Everyone wants to know where you can take a large cash loan under an insignificant percentage and other favorable conditions. Currently due to the financial collapse and, as a result, increasing the banks of rates to understand this issue is not easy. So, where is it better to make a cash loan in 2017?

When receiving a loan it is worth paying attention to the full cost of the loan (it includes the size of monthly payments, commissions, insurance and money transfer to third parties, if this is provided for by the contract) and the interest rate.

Where is it better to take a cash credit?

Rosselkhozbank and the bank "Ak Bars" offer very good loans, but on special conditions: the first - on the development of personal subsidiary farm, the second is only for "their" customers.

What should I pay attention first?

So:

• credit rate - The most important point. The more reliable client you are (constantly use financial products in this bank, have a unspoken credit history, a deposit or guarantors), the lower it will be;

• commission remuneration For the opening and informational service of the calculated account, the removal of cash in ATMs, transfer of money on a map to other banks, to the balance of debt, one-time recovery for issuing borrowed money, fines with early settlement, paid SMS reminders of the date of making another payment, telephone alerts about the operations on the credit card and the status of the account, insurance premiums and so on;
• policy insurance (From the loss of disability, dismissal from work, serious disease of the borrower and his relatives, health and life insurance, as well as the laid object). This item is not mandatory, but many institutions practice an increase in the cost of a loan, if the client has refused insurance, and an increase in the interest rate, when the visitor agreed to pay insurance;
• choosing a loan repayment method. There are annuity (when debt payments are made equal to parts at equal periods of time) and the differential (for the first time the amount paid by the borrower is the greatest, each subsequent month it decreases) payments. In the first case, the loan overpayment will be more about 20%, but it will be closer to the end of the lending period to the end of the lending period (for example, you contribute to 30 thousand rubles per month, but after 5 years this money will be impaired). With the second payment form, the loan percentage remains unchanged, but it is calculated with a much smaller amount (from the balance of debt). If you plan to pay a loan ahead of schedule, it is reasonable to choose a differential scheme, if you count on long-term use of borrowed funds, then an annuity. But banks do not always allow the client to make a choice.

All items described above constitute the full cost of the loan.

• conditions of premature repayment. At the legislative level, it was enshrined that any person can pay with a loan ahead of time without any penalties. In different banks, the procedure for early payments may vary;
• terms of restructuring (Revision of the bank of the order of payment of money: a decrease in the interest and penalties for the delay of payment, full or partial write-off of non-existence, the elongation of the final term of full payment, change in currency, the schedule of periodic payments, "Credit Vacations" and other activities) of the loan. This may be needed in the event of unforeseen situations, loss of work, fire, earthquake, floods, villages, avalanche, other natural disasters, man-made disasters, war and other circumstances of force majeure.

Video review of banks that provide loans with minimal percentages:

What bank offers the lowest interest?

One question is thinking about this question, who are going to take a loan. It is difficult to answer this question, since there are no comparative tables on the Internet. And this is because for each particular person in the same bank there will be different credit conditions.

What influences the percentage rate?

The interest rate is an expression of many conditions, the main of which: the refinancing rate of the Central Bank of the Russian Federation, the term of credit debt and the level of the bank's confidence in the client.

Consider each of them in detail.

The accounting rate of the Central Bank is determined, since it is precisely it indicates financial institutions, reduce or lower a percentage of credit products. Each particular bank adds about five items to this figure (about such banks assesses their "interest").

Example. Now the refinancing rate is 8.25%, it means that it will be possible to choose a loan only under a percentage, passing for 13.25% (8.25 + 5)%. At the very number of 13.25%, it is possible to rely only if you take money for a minimum period or with an ideal coincidence with the Bank's submission about the borrower (its age, salary, marital status, etc.).

The degree of confidence in the bank to the recipient of the loan is made up of a variety of criteria:

• stable employment (work experience in one place from six months);
• white wage;
• credit history.

Under these conditions, the bankers are confident that the credit debt will be paid in the agreed period or, as a last resort, it will be possible to recover the necessary amount from the client.

No wonder that for persons with salary maps or other bank accounts, the loan coefficient is reduced by 0.5-1%. Therefore, the lowest rates will be in the bank that lists you wage.

In general, if you distract from the given numbers and monitor the rates developed by banks, the financial sector established a certain situation.

Banks offering low loan interest

At the time of this article, the minimum coefficients provide the following organizations:

• interest rates on consumer loans Rosselkhozbank and bank " AK Bars" start with 15%, but for mastering such a profitable loan, you need to get an impressive boiled document, guarantor and insurance;

The same interest rate, but on the security of property, issues " Uralsib».

• Sberbank of Russia His visitors give a loan at 17%, and in the presence of the guarantor - under 16.5%. The belt under property deposit has a bid of 13.5 - 14.5%;

• Promsvyazbank presents a consumer loan at a rate of 16.9%;
• credit coefficient B. Bank of Moscow starts from 18.5%;
• VTB 24developed a loan under 19% per annum.

How to get the most reduced percentage of cash loan?

For anyone who has suffered a cash deficit and who for his replenishment wants to contact the bank, the problem is relevant how to accrue a cash loan with a minimum percentage. The first thing that interests the creditator is the bet, because it is lower, the less overpay, the less money will have to return, which means that such a loan is more profitable.

Both large and small banks interested in customers go for concessions, so you can take a loan in your capabilities and desires in an absolutely any financial institution. All banks in order to attract customers and increase profits are trying to create comfortable conditions to their visitors, therefore offer affordable credit products.

In order not to guess, learn the proposals of the banks presented on this portal. Thanks to the possibilities of our resource, it is possible in the shortest possible time without hassle and costs to purchase a good reputation in the concern. This requires great efforts, but the time spent will fall into savings of large amounts of money.

Materials of our site will make the right choice, calculate the monthly payment, and not trust advertising, which attracts customers with a low interest rate. After all, low cost is not a condition for a profitable loan! For example, if a monthly commission from the amount of 2% is indicated in the loan agreement, this will increase the annual credit rate of up to 24% (12 months x 2%).

Loans with the monthly commission are the most expensive, although the rates on them are low. This trick enjoy advertisers.

It sometimes it turns out that a loan is under 20% in one bank less than under 15% in another.

The most common tricks and traps, which beat your pocket, are as follows: Banks are charged percentage not on the balance of the loan, but for the entire initial amount, part of the money is taken immediately as if for the issuance of money, they charge a few percent per year for conducting the account, they seek to senseless insurance. It happens that 500 thousand credit funds for one insurance require 60 thousand rubles. As a result, 15% per annum applicated in advertising are 35%, and even more.

To obtain a cash loan with a low rate, it is important to demonstrate its financial stability and high incomes, confirming it documented.

If there is a pledge or sponsor, the guarantor, the complete list of documents, unrepired credit history, the requirement of adequate income of the loan amount to a short time interval can be hoped for a cash loan at the least rates.

The scarpural study of the proposed credit options, the preliminary calculation of the amounts of deposit and compliance with the submission of the lender about a relaxed borrower makes it possible to achieve additional finances with maximum benefits.

Which bank offers an elementary loan rate for shopping?

Consumer loans are the most common type of lending. What bank is the lowest loan value? This article describes in detail this issue, taking into account the rating of Russian financial institutions. This information is valuable for any potential beneficiary of a profitable loan.

We learn how the bank is less percentage of consumer loan

How not to guess and among many proposals choose the most successful? It is important to take into account several criteria that we consider below.

On online credits in video:

Surely everyone wants to never contact the bank for money loan, because we are managed by bank funds only temporarily, and in return, we will forever give our blood earned money plus interest. It is difficult to argue with this. Therefore, most of our compatriots are in all over themselves refuse and lives from salary to the salary, preferring to take into duty among friends, relatives and colleagues, just to contact banking institutions.

However, there are many people who do not consider to be acknowledged and terrible to contact the bank or another credit institution, because their life situation is to be: there is a high salary, jewelry, shares, cottage, car, apartment.

In the end, banks are never without borrowers. The latter is tormented by an eternal question: what institution is better to take a loan? And this problem is not idle.

No matter how regrettable, but since on the legislative level, banks have obliged to show all "pitfalls" and hidden commissions in the treaties, did not change significantly. Banks seek a way to bypass harsh laws, not lost their profits. But now it's not about this.

Financial organizations almost always offer double-digit rates on loans (for the rarest exceptions). It inspires citizens at the subconscious level that there is a theoretical opportunity to take a loan for an even greater percentage.

You need to approach the creditor to choose. It is necessary to thoroughly explore the offers in all banks, because the catch can be imparable and "float out" at the most inopportune moment. First you need to call the bank's credit department and clarify the size of the minimum rate. Remember that you should not hurry with the choice: there are a lot of banks, and we are small (borrowers).

For example,if the contract is written that the monthly payment must be carried out only through the terminal taking cash commission, it increases the loan rate by about 5%.

The one-time commission will not significantly affect your expenses.

For comparison: in Western countries, consumer loans coefficients are placed in an interval from 3% to 6%, therefore, to afford the borrowed funds there can anyone - and the poor, and the rich.

Where is the easiest to get money?

The easiest way to place a loan by contacting the bank, but in credit offices and unions, the list of which is only growing from day to day.

Some of them give out funds and with bad credit history, but in this case it is better to alert, since then the rates will be high.

What needs special attention when choosing a loan product?

Selecting a loan, it is important to take into account the following aspects:

• maximum maturity;
• interest rate;
• insurance and guarantee.

The first and third factors affect the second point, that is, the credit rate is higher than the fewer requirements and conventions are designated when the loan is designing.

In recent decades, banks are trying to capture online platforms in reasons for saving resources. On the bank's website you can independently take a loan on more tempting conditions than through the operator in the department. Leave an application on the Internet simply: it is enough to fill the pop-up form, specify its personal data in it - and that's it!

The minimum amount of interest rate loan in Sberbank

It is this indicator that is determining when studying bank credit lines. The first to mind comes Sberbank of Russia.

Although this financial institution provides not the cheapest loans, most people come there. I think it is explained by the "memory of the past", because at the time of our grandparents, he was state and all operations were made through it.

A feature of Sberbank is that the presence of the guarantor does not reduce the bid on the ruble consumer loan, but the amount issued increases to 3 million.

With real estate as a collateral, the minimum percentage of Credited is 14-14.5%. It is not clear why if there is a deposit, the percentage goes up. It is probably due to the fact that the loan size increases to 10 million rubles, and in the currency loan - up to 355 thousand dollars or 250 thousand euros. Nevertheless, the overestimed percentage in the laid object of real estate cannot be considered a positive point.

In the currency loan, the maximum amount of money is doubled, but the rate slightly decreases - up to 13.5% per annum.

Banking Group "Investment Union"

This institution has small coefficients for consumer loans (from 16%), money is issued for the period from one month to three years. The minus is the undeveloped network of branches of this bank in the country.

The Ural Bank of Reconstruction and Development offers a loan from 14%, however, secured by vehicles or an apartment.

Low interest on consumer loan in the country's organizations

so,

• National Investment and Industrial Bank Provides a population of loans from 10 thousand to 100 thousand rubles under 11% per annum secured property. Commissioning is provided for three years;
• bank opening" Offers a loan in cash to 750 thousand rubles at 12.9%. This requires to provide a number of documents, but there is no deposit and a conduit and there is a possibility to pay the bank ahead of time;
• in the bank "Petrocommerz»The coefficients start from 13%, and the maximum amount is half a million rubles. The loan period is five years, with no additional requirements;
• "Zenith" Ready to issue a loan for 14% in the amount of 90 thousand rubles. The funds are issued on the security of any object, while its mandatory insurance is required, as well as the unite payment of the Commission for issuing a loan in the amount of 2%, that is, up to 20 thousand rubles.

Rates on the goal in the largest banks

The lowest cost of the loan in the following organizations:

• The percentage of consumer loans in the bank " AK Bars"I. Rosselkhozbank It takes its beginning from a level of 15%, but in order to achieve such favorable conditions, it is necessary to collect an impressive folder with the documents, to enlist the policy of third parties and pay insurance.
• The same coefficient secured by property established Uralsib».
• Promsvyazbank Decons consumer loans for 16.9% per year.
• Sberbankreleases consumer loans with a bet of 16.5% per annum with a guarantor or in 17% without that. Exactly the same loan can do at 13.5 - 14.5%, but at the pledge of property.
• Loans Bank of Moscow have 18.5%.
• Consumer Credit B. VTB 24 Granted at 19%.

More detailed information can be found in departments or on the sites of the respective banks.

The lowest rates of consumer loan

Today it is difficult to meet a person who would never take a consumer loan. Usually money for the purchase of goods banks is issued under the big percentage. A person always wants to get as low as possible.

The price of such a loan may vary and depends on many reasons, but first of all the current financial situation in the country is influenced. The percent size is proportioned to the cost of banks on the salary of workers, the involvement of money and customers, profit.

The maximum cost of the loan depends on its type submitted by the client of documents, its credit history, assurances for banks. Usually, the extreme intervals of credit coefficients range from 14% to 25%, in each bank, these boundaries differ.

The percentage rate depends on the four factors set forth below.

Any borrower has its own client Factors: the number of full years, marriage state, wage level, general work experience, place of work, the presence of property for mortgage and credit history. Based on the analysis of these data, banks estimate their risks and bona fide of borrowers.

TO commercial Factors include the price for renting, ultra of employees, the fee for the Internet, other deductions - in other words, all that is not subordinate to the client group.

Independent Factors do not obey the authorities or the client, nor the bank. These are legislative acts, an up-to-date refinancing rate, insurance, taxation of taxes.

TO passive Factors include the country's internal gross product, the development of the economy as a whole, the inflation rate. With an increase in the well-being of the population, the coefficients under credit rates increase, with a decrease in the standard of living of citizens, banks are forced to reduce them for the sake of preserving lending volumes.

To accrue a consumer loan on the most favorable terms, you need to carefully analyze all possible offers, and not only from banks, but also jointly existing credit institutions and retail chains (when buying expensive goods).

Usually bankers and merchants coordinate the minimum rate on specific goods. Also, the loan coefficient may be low under certain conditions of obtaining a loan.

Families in which both spouses are officially registered (and not civilian) marriage work on the workbook, if they are at least 25 years old (at such age, people take deliberate and weighted solutions), have every chance of receiving a discount on the loan for purchase.

On important points when concluding a loan agreement, see the video:

Borrowers who are not suitable for the bank for a number of conditions fall into a group with an overestimated interest rate. The bank thus protects itself from not in time made payments or the non-repayment of the amount of money in full. The more assurances of the individual will provide bankers, the smaller for it will be the interest rate, and vice versa.

The cost of the loan is influenced by the lending period. Receiving funds for a short time will cost much cheaper, since then the depreciation of money due to inflation and other long-term risks are excluded.

Not the last value is the amount of the first contribution. If a prepayment is submitted when buying a subject, the credit rate will be reduced. When the first payment is generally absent, for the order by credit funds the additional commission is compensable.

What bank gives a consumer loan for the simplest percentage?

Anyone who turns to the bank for a loan wants to take it with minimal payments. It is quite possible to implement this, as citizens can treasure the terms of the contract in a profitable party (through appeal to a specific bank and collect the necessary documents).

There are a number of ways to make a loan agreement on winning conditions.

What financial institution gives the cheapest loans?

The public among the population is common that favorable loans provide only the largest banks (like Sberbank and VTB 24). Indeed, their programs are not expensive. But everything is not so unequivocal.

In large investors, interest rates are usually medium, which means that in less large-scale banks actually get a loan at a lower cost. Minor financial organizations try to develop a client base, for this they reduce loan rates, conduct special shares, offer profitable products.

Small banks can produce funds and to overestimated interest, therefore, before you take a loan, it is necessary to study the line of programs of different banks.

Credit for consumer purposes under the minimum percentage will be issued to the Bank:

• through which you are salary.Almost all banks working with individuals have special preferential offers for the participants of the salary project. The difference in coefficients for salary clients and visitors "from the street" differs to 5% per year. In this case, it is also not necessary to collect references from work, the decision to issue a loan bank will arrive instantly;

• if you work in the company accredited by the bank.Most often accreditation are large, stable holdings. If you work in such a way, find out in accounting or administration, whether your organization accredited in some bank. If yes, contact the loan only there;

• in which you kept loan before and regularly paid on it.Lenders have a good opinion on conscientious borrowers, which regularly fulfill the terms of the contract. Often, the banks themselves impose a favorable package of services designed for a particular client. If you have a good credit reputation in a specific bank, definitely refer to the same: the interest rate will decrease, and the decision to issue money will be 100%;

• in which you recently kept the contribution.The presence of even a closed deposit for the bank serves as an indicator that a person knows how to dispose of his money and is a reliable borrower.

How to assemble a suitable package of documents?

Consumer lending agreements that do not provide for income information cannot be beneficial. To reduce risks, the Bank introduces high interest rates. The same is the case with express loans in five minutes.

To achieve a loan with the lowest cost, you must provide the following documents:

• income certificate 2-NDFL. Many lenders allow you to replace it with a form in the event that the visitor works without official design or has a salary in the envelope.
• certified copy of the employment record. In some cases, it can be replaced by a copy of the employment contract.

If you have an additional source of funds, it is advisable to confirm its documented, for example, I write down. This will not affect the percentage rate, but it can be hoped for a positive decision and obtaining a greater amount.

How to provide provision?

The most favorable loan rate will be when the client provides the provision of a pledge or guarantor. This gives warranty to the bank in the return of all funds on time.

The simplest form of provision - bail. The guarantor acts as a person who will be the same as the borrower, to keep the repayment of the loan. It is imposed on the same requirements as to the borrower.

But still better if the client provides a deposit. Then the loan rate will be starting. Especially beneficial in the presence of a deposit to contact that bank where you get salary or use other products.

Items for pledge protruding:

• real estate. This type of guarantee is the most common and it is always taken by banks;
• vehicle. A number of banks do not take into account transport;
• gold bars, coins, deposit accounts, securities: notes, promotions, bank checks about issuing money to presenter or a certain person, bonds, certificates, winning lottery ticket, Covenant (Document from the cargo owner, certifying the right of the carrier of cargo to dispose of them), warehouse certificate (issued a warehouse on the right to store any product ), VARRANT (a document that allows its holder to buy a certain amount of shares at the agreed period of time at a low price), mortgages on the land plot, real estate, trust certificate (issued in order to invest in something of individuals and legal entities). Such a lie is rarely found.

Thus, a citizen can affect the loan ratio. Before applying, ask the Bank's employee to calculate the cost of the loan. After all, the Commission is often hidden behind low rates. It is important to compare as many sentences as possible and only after that leave an application, accepting a deliberate, weighted solution.

The goal of my blog is to help people understand the credit issues of the banking system, in how profitable to acquire a loan, so as not to open on the robber bank interest, as competently paid the funds taken. Among your readers, I expect to see future customers, so I will be glad to be sent from subscribers and I will be happy to answer them. The most important thing is not to be afraid to take loans, because if you know all the tricks and tricks of financial organizations, you can settle with it without a significant loss for a wallet.

Creditznatok is a service for the selection of the most profitable credit proposals from Russian banks and microfinance companies. Citizens living both in Moscow and in other cities of Russia are served. You can choose a favorable loan using an online filter at the top of the page.

Get the most profitable cash loan: how to arrange and what you need to know

To find a program with acceptable terms of loans, first enter the indicators of the desired amount and the period in the appropriate filter fields. Also, for a competent selection, you should specify your city of residence. After activating the "Pick" button, the service will offer the client a list of banks that have offices in this village.

Consumer loans are issued for different needs: from small purchases - to large investments on business development, etc., respectively, and the amount can be very different: from 5-7 thousand to several million rubles. Large credit loan is usually allocated for mortgage and similar goals. To make a deal profitable, consider all credit conditions:

• betting size;
• availability of the need to confirm income;
• whether the loan is possible on favorable terms on the day of treatment;
• options for cash and debt repayment (on card, account), etc.

How to get the most profitable loans

Choose a good option - this is just half an end. It is necessary to correctly apply for a properly to apply that the credit organization find the applicant is quite trusty. Make it online on the site favorite company. Click on "Build a loan", after which the desired page will automatically open.

Each lender offers the future customer assistance in the form of a calculator for calculating the interest rate and the final amount of payments. Before making an application, check whether the Bank provides the opportunity to pay off debt ahead of time without "penalties". If all the conditions suit, carefully fill out the form, wait for approval and get your money.

In finding consumer loans with a low interest rate, it is important not to forget about the reputation of the future financial partner. Usually, the interaction with the bank within the loan agreement takes not one year, and in your power to make this communication predictable and comfortable.

Choosing where to get a loan low percentage, pay attention to reliable banks. And among them you can compare interest rates and other loan parameters. Today, most banks offer customers to calculate the credit options online - using the calculator.

By choosing a serious bank with a profitable loan under a low percentage, you can make an application. For example, in Alfa-Bank it can be done online. After receiving the approval of the application, you will only have to pick up money in the banking office.

Advantages of lending to Alpha Bank

This is a reliable bank with a serious reputation in the domestic market. Here you can choose suggestions on the threlbs on good conditions: up to 5 million rubles for a period of up to 5 years at the best rate (regardless of insurance).

The borrower is enough to be a citizen of the Russian Federation at least 21 years old with a permanent registration in the region's presence regions and continuous experience from 3 months. Regular income after taxes should be at least 10,000 rubles per month.

The process itself takes a minimum of time: filling out the online application - 5 minutes, receiving the bank's response - 2 minutes. The resulting loan can be repayed by convenient ways to choose from - in ATMs of the Bank and partners, as well as in the Internet bank and mobile application.