In order to pay the loan was comfortable and not too burdensome, you should carefully approach the process of registration, prepare for it. If you hurry, you can conclude an extremely disadvantageous contract with a large overpayment and with the connection of services you do not need. There are certain rules that will show you how to get a loan.
Council number 1. Choose a bank that will give you a loan on the best conditions.
If you want to get a loan at a profit, then first you should take care of choosing a bank. Very often, credit organizations tout potential borrowers with vivid advertising, but you should carefully read the detailed rates of the credit program before you run to the bank to receive funds for the kind of favorable terms. It is possible that in practice the rate for you will be higher.
Initially, it is worth paying attention to the banks you already know. It is possible that you have already taken loans somewhere and repaid them safely, then it makes sense to contact the same institution, the rate for you may be reduced. The situation is similar with the bank on whose account you receive a salary, where you can offer a favorable loan.
Be sure to use loan calculators, choosing a program for issuing a loan. These can be calculators of certain banks or universal services. They will help you determine where the overpayment will be the least. Now all the conditions for issuing loans can be found on the websites of banks, so the calculations can be done via the Internet. But keep in mind that loan calculators make preliminary calculations, you will receive an exact payment schedule only in the bank.
Council number 2. Collect as many documents as possible.
The more documents you collect, the higher your chances for approval and signing a favorable loan agreement. If you choose programs that do not require the provision of certificates, they will be less profitable, and the percentage of failures on them is higher. It is better to resort to such programs only when necessary. If there is an opportunity to provide references from work, pay attention to the relevant programs.
If there are additional sources of income, it is also recommended to collect their documentary evidence. These can be statements from the applicant’s accounts with regular receipts, contracts for the lease of property, contracts for part-time work, and so on. It’s not a fact that this information will be taken into account when determining the maximum possible loan amount, but it can positively affect the bank loyalty.
Council number 3. Prepare to visit the bank
Find out in advance what documents will be needed for processing a loan (this can be seen on the bank’s website). If there is a loan application form available for download on the bank’s Internet portal, it is better to print it out and fill it in at home in a relaxed atmosphere. Write down in advance somewhere information about your work: the legal address, the actual, telephone number of the personnel department – all this may be necessary for you at registration.
You can not go for a loan while intoxicated, you will immediately be denied a loan. It is also not recommended to come for a loan with a “support group”, the bank may think that you are taking a loan not for yourself or under the influence of third parties. Dress neatly and do not be too nervous when talking to a manager.
And it is better to apply for a loan at all online, then you will need to come to the bank only once, only to sign a loan agreement and take the money. In this case, everything that you specify in the questionnaire, you will need to confirm the documents.