Documents for registration of individual loan
Posted on Sep 9, 2000 08:15:27 AM
In each commercial bank has its own requirements in order of registration of loans to individuals and the package of documents. These instructions are written by banks all the conditions of processing the loan and the list of documents for the loan, which must provide the prospective client to review the loan application.
As a rule, for each type of loan – a set of documents.
A sample list of documents required for obtaining a consumer credit
Documents for borrowers / co-borrowers, employed by:
– Copy of passport (all pages), and (if) a certificate of residence registration
– Copy of marriage certificate, birth certificate (if available)
– A copy of the work book (coverage)
– Certificate of employment on the amount of income (personal income tax form 2, or request the Employer to confirm the information received income) over the past 12 months
– Copy of employment contract (if any)
– If you have additional income from work in other organizations of the labor contract and a document certifying receipt of income from working part-time over the past 12 months
Consumer loans for urgent needs bail owning real estate
Documents about the property pledge:
– Legal documents on the property, pledge
– A set of documents BTI (floor plan, explication, a certificate of assessed value)
– Extract from the Unified State Register of Rights
– Excerpt from the house of the book, a copy of the financial account
– Help the absence of debt on utility bills
– Mandatory Departure appraiser on the object passed in pledge
The following list is required for the loan documents can increase or decrease depending on the type of loan and the requirements of a particular bank. In some banks, such as for example Rosbank and Russian Standard, there are types of loans with minimal documentation or credits in the submission of two documents (passports and military ID, passport and driving license, passport, pension certificate …) and an application form and fill in the registration of credit . Loans without any additional documents are usually checked when purchasing goods and registration of credit through the Bank in the stores.
Furthermore, if the loan processing requires sponsorship of individuals, then each guarantor guarantor form is filled, as well as provided on the loan documents:
– Original and copy of passport.
– Information on wages from the employer (on the model of the bank). Period for which you want help on wages, in each bank is set independently, and usually varies from 3 months to 2 years (depending on the type of credit).
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