Car Loan nationals without a residence permit in Moscow
Posted on Oct 25, 2000 08:15:27 AM
Can a Russian citizen to get a loan on a car in the capital the bank, if it’s in another area? What if the bank refuses to grant a loan for lack of residence permit for Moscow?
Those wishing to buy a car with a temporary registration, most banks will refuse that is a big problem for non-resident. According to statistics, the generation of two million people live in Moscow with a temporary registration. Sometimes borrowers are faced with a situation: to get a loan in his hometown could not, as always do not live in it, and in Moscow to issue the loan is not obtained because of lack of registration.
Car loans to borrowers with a temporary registration in Moscow and the region offer only a few banks: “Absolut Bank”, “Rebirth,” VTB-24, Gazprombank “Agropromkredit”, “MDM-Bank, Sberbank.
VTB-24, “Absolut Bank and the Savings Bank will be given credit only for the duration of the temporary registration. In MDM-Bank and the Bank “Agropromkredit” will consider the application in the event that the borrower will be temporarily registered in the metropolitan area, and always registered in the regions where the Bank.
If the borrower has a temporary registration, the banks will be with special attention relates to his place of work. Total length of service shall not be less than one year, the last place of work – at least 3-4 months, as demand in the VTB-24, MDM, BSGV. In the Savings Bank and bank “Revival” experience in the last place of work must be at least 6 months. “Absolut Bank” will give credit after successful completion of the probationary period for new job, while a bank can give credit even to customers that is not a citizen of the Russian Federation.
Documents for registration of the loan: In addition to passports and driver’s license from the borrower will require the employment contract, a copy of work record, certified by the employer, as well as an income statement or in the form of 2-PIT, either in form of bank. In this case, the average monthly income must be at least 10,000 rubles a month.
Timing of the application in this case can be up to 10 days, on average 1-3 days. Otherwise, credit conditions are the same as that for borrowers with a permanent residence permit, it is possible to calculate the credit for the interest rate which is stated in the credit institution, virtually any desired amount.
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