Go to Top

How to get a loan under two documents?

Due to the minimum requirements for customers, among other loans, a loan under two documents is very beneficial. At the moment, this loan is not uncommon. In order to lure new borrowers, most banks draw your attention to the fact that any borrower can even issue a loan to buy a car with only a passport and a driver’s license. Special requirements: minimum age 21 years, the presence of a permanent registration in the village where the loan is granted, proof of the presence of a steady income, work experience of at least 1 year.

In such cases, a loan is issued for 2 documents: a passport and any document of your choice. For example, a 2-NDFL certificate (on the income of an individual), a driver’s license, a military license, a passport. That is, you can take a cash loan without income statement. In this case, the banking institution will need to call the client to work to confirm the experience and the required level of income from the borrower.

Between us, in the current conditions in our country, when many citizens do not have an official place of work or receive part of their wages in an envelope, salvation is the possibility of obtaining a loan without 2 personal income tax certificates. The need for any more information and documents depends on the loan and its program. Some banks are trying to assess your solvency, based only on the data of the questionnaire, well, while others conduct a whole investigation, during which they call everywhere, check all the information. Most often, the most important is your good credit history.

Incidentally, there are significantly more programs available for obtaining a loan without proof of income in the field of loans for the purchase of cars than in consumer lending. This can be explained by the fact that in the first case, the lender will receive a car as a pledge. Therefore, even if in the future the borrower will not pay debts, the banking institution will always be able to repay its money. In consumer lending, the situation is completely different. In such cases, obtaining a loan without 2 personal income tax is very dangerous, because there is nothing in the collateral. Nevertheless, banks also go for it, though at the same time with certain requirements. Usually we are talking about small amounts and higher interest, when compared with conventional lending.

In order to make the right choice of loan on the day of circulation without information with the most suitable conditions, you need to prepare ahead of time and use the calculations using a special online loan calculator available on the website of any bank. This way you can compare interest and terms, think about your expenses, and also reveal the available details. click here