What documents are needed to obtain a consumer loan. What documents are needed to apply for a loan? What certificates are needed to take out a loan?

When applying for a cash loan or credit card, in addition to the application and the original passport of a citizen of the Russian Federation, papers are usually required confirming the presence of an official source of income and the solvency of the applicant. The volume of the package differs depending on the specific bank and its current conditions and lending programs. Next, we will consider what basic and additional documents are needed to apply for a loan.

Basic Requirements

Banks strictly approach the verification of papers and their compliance with the requirements:

1. The application form for taking out a loan is filled out by the bank manager when interviewing the borrower or online (in this case, the computer simply will not accept incorrectly entered data).
2. A civil passport must have a permanent registration stamp. In some cases, temporary registration is allowed, but with the obligatory condition of providing a document confirming this fact.

To confirm the presence of a permanent place of work, the borrower needs to bring one or more documents from the following list:

• work book (copy) or extract from the work book;
• a certified copy of the employment contract;
• a certificate from the place of employment indicating information about the length of service, position or a copy of the employment agreement or contract.

You can confirm your income and solvency in this way:

• certificate 2-NDFL;
• a certificate similar to that of a bank;
• a free-form certificate from the employer, if restrictions are allowed on the issuance of 2-NDFL certificates to employees - drawn up on the institution’s letterhead or with a corner stamp.

The minimum package may only include an application and a passport, but the lending conditions in this case are the least favorable. The more evidence you provide of your solvency, the lower the rates and higher the amounts.

Additional documents

Banks provide an opportunity to confirm their financial solvency if the borrower has other official sources of income. To assess solvency, the following are accepted:

• certificate of receipt of pension;
• rental agreement for residential/non-residential premises;
• a copy of the tax return (form 3-NDFL);
• confirmation of receipt of other types of income, including civil ones.

Also in favor of the borrower will be a copy of a foreign passport with a stamp about trips abroad during the last six months or a year, account statements, and card transactions. But if you apply for a loan at the bank where you are serviced and keep your savings, then you do not need additional paperwork - the credit department will already receive information about your savings and expenses.

Documents issued by the employer are valid for 30 days. If the borrower has a valid card with the bank, where the salary is credited, then there is no need to confirm income and employment.

The following are also provided as additional identification documents:

• military ticket (for men under 27 years old);
• international passport;
• medical insurance;
• SNILS.

For large loans, some banks require a document on education, marriage and birth certificates, divorce certificates, a marriage contract or a certificate of its absence.

Secured loan

Loans to an individual can be issued on the security of property owned by him. Banks accept real estate and vehicles as collateral.

If the loan is secured by real estate, then in addition to the application and passport of a citizen of the Russian Federation, documents confirming ownership of this object will be required. The following is provided as proof of ownership:

• certificate of state registration of ownership/Extract from the Unified State Register/Extract from the Unified State Register of Real Estate;
• the basis for the emergence of property rights (sale and purchase agreement, gift, etc.);
• extract from the house register.

When obtaining a loan secured by a car, you additionally need:

• driver's license;
• vehicle registration certificate;
• vehicle passport;
• OSAGO insurance policy.

Conditions for obtaining a secured loan are the absence of an encumbrance on the property and no preliminary agreements on its transfer to third parties.

List of documentation for legal entities and businesses

The list of documents for obtaining a loan by legal entities differs significantly from conventional consumer lending:

• statement;
• passport of a citizen of the Russian Federation of the founder or individual entrepreneur;
• constituent and registration documents of a legal entity/individual entrepreneur;
• reporting on financial activities;
• documents on economic activities.

Banks are very demanding about the correct execution of documents and certificates, so you should carefully study them and prepare documents on this basis.

Sample certificate

If it is not possible to confirm your income with a 2-NDFL certificate, banks allow you to do this using their document: a certificate in the bank’s form. The form can be taken directly from a bank branch or downloaded from its official website. If you credit institution If you don’t have your own developed form, you can draw up the document yourself. The main thing is that it reflects income and other necessary information about the borrower and his place of work. As a sample for drawing up your certificate, you can use this form, which is used in Sberbank, just put the desired name of the bank and other data in it.

Buy documents or prepare it yourself?

Independent preparation of documents for obtaining a loan will require some time and effort. Some organizations provide services for preparing the necessary package of documents.

What is included in these services? For a certain fee, the organization prepares a complete package of documents at the client’s request. Sometimes these documents are fictitious, but contain information necessary for banks.

Why is this necessary? People tend to buy documents from such organizations if they have a low official income or receive a “gray” salary and in unofficial employment - in all cases when the borrower cannot provide certificates and documents from work.

Despite the high guarantees from such organizations, this type of activity has signs of fraud. If, during a security check, the fact of document falsification is revealed, the minimum that the client faces is a lifelong blacklist in all credit institutions. Or transmitting information to the competent authorities and opening a case under the article “Aiding in fraud.”

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Each financial institution providing lending services has the right to put forward its own list of requirements regarding the provision of a package of documents by the client. In practice, domestic banks use the information received during the consideration of applications to perform scoring, that is, a procedure for assessing the level of solvency of a potential borrower. As a result, the fewer documents the client submits to the bank, the lower the chances of receiving a profitable loan. For additional risks, the bank demands compensation by increasing commissions and interest rates.

Filling out and submitting an application

The loan application process begins with the submission of an application, which provides access to the client’s personal data to an employee of a bank or other financial institution. You can submit an application at the branch or on the website of the organization chosen for cooperation. Some microfinance companies and banks allow you to fill out a form through an official mobile application. It takes from 30 minutes to 5 days to review the application.

The application must indicate:

1. Reliable passport data.
2. Current phone number and email address.
3. Selected type of loan product.
4. Approximate amount of regular expenses and income.
5. Loan amount and duration of lending.
6. Information on current credit transactions (if any).
7. Information about the place of employment and work experience.

Before submitting an application, a potential client must consent to the processing of personal data. This authorization will allow financial institution employees to complete the scoring procedure. Otherwise, the organization does not have the right to store information about the client. Signing an agreement that regulates the processing of confidential data guarantees the protection of information within the framework of banking secrecy. In case of leakage of classified information, the responsibility lies with the institution that did not ensure the protection of the data.

Applying for loans using a passport

A passport is the main document confirming the identity of the borrower, which provides comprehensive information for the lender. Passport data is required when applying for any loan, without exception. Even when receiving express loans, clients of microfinance organizations are obliged to provide a passport or an electronic copy of it. However, certification of the document by a notary is not required.

The passport states:

• Last name, first name and patronymic of the borrower.
• Number, series, date and place of issue of the document.
• Owner's age.
• Citizenship and permanent residence address.

Using a passport, a financial institution can obtain a photo of a potential client and information about the current composition of the family. In addition, banks do not issue loans to non-residents and have every right to refuse to cooperate with persons who provide false or outdated information.

With just one passport you can get:

1. Fast loans from microfinance organizations.
2. Secured loans secured by property in a pawnshop.
3. Online loans from electronic payment systems.
4. Product loans in brick-and-mortar or online stores.

We bring to your attention 4 banks where you can get a loan by presenting only a passport:

Interest rate
from 9%

Term
up to 5 years

Sum
up to 1.5 million rubles

Application review time from 30 minutes to 1 day

Interest rate
from 7.5%

Term
up to 5 years

Sum
up to 1 million rubles

Instant solution; repayment without commission

If you change your passport data after concluding a transaction, it is recommended to transfer the updated information to the service organization. However, you should not freely distribute confidential data. Copies of your passport can be used by criminals to apply for loans to third parties. The victim of scammers will have to pay off someone else’s loan or prove in court that they were not involved in the loan process.

Providing a second document to choose from

In the process of applying for quick loans and consumer bank loans, in addition to the application and passport, you usually have to provide a second document of the borrower’s choice. Financial institutions on official websites list documentation that a borrower can use to verify identity. If you need to apply for a loan in an office, the easiest way to obtain a list of documents is by calling the organization’s hotline.

The following is used as a second document when applying for loans:

• Taxpayer identification number is a digital code that is assigned to an individual or legal entity, indicating tax registration.">TIN.
• Insurance number of an individual personal account - identifier of the insurance certificate of compulsory pension insurance.">SNILS.
• International passport.
• A copy of the work book.
• Diploma of higher education.
• Driver's license.
• PTS for a car.
• Military ID.
• Pension certificate.
• Ownership of real estate.

Thus, the second document is required to confirm the identity of the borrower. Usually clients provide a TIN, but some institutions insist on SNILS. In turn, the international passport with which the borrower traveled abroad during last year, significantly increases the chances of concluding a deal.

You can use two documents:

1. Consumer bank loans and installment plans.
2. Fast loans with improved transaction conditions.
3. Entry level credit cards.
4. Special loans for loyal bank clients.

Loan conditions automatically improve upon provision of two documents. Many banks issue consumer cash loans under an accelerated scoring scheme, which involves prompt verification of the borrower's identity. In addition, institutions allow the client to independently choose the second document.

Confirmation of solvency

The decisive factor in the lending process is the provision of a certificate of income confirming the solvency of the person applying for a large bank loan at a minimum interest rate. It is impossible to obtain a profitable loan without this document. However, some organizations offer instead of a standard certificate to provide bank statements or a document in the bank's form.

To confirm the solvency of borrowers, the following documents are used:

• Certificate in form 2-NDFL for individuals.
• Tax return in form 3-NDFL.
• Certificate in the bank form, including for accounting for additional income.
• Extract from existing bank accounts.
• Certificate from the pension fund.
• The number of the current debit card of the bank chosen for lending.

Some institutions require you to provide both an income certificate and a bank account statement to verify your solvency. However, potential borrowers can only get by by transferring to the credit institution the number of the debit card participating in the salary project.

Providing documents confirming receipt of a stable income allows you to issue:

1. A credit card with an increased funds limit.
2. Consumer loan for a large amount under low percentage.
3. Targeted short-term loan without collateral.
4. A loan product for clients of a financial institution on preferential terms.

At the scoring stage, experts examine income for the reporting period of at least three months before the application is submitted. The level of earnings should provide a sufficient amount of cash to make regular payments. The optimal option is when no more than 40% of official income is spent on monthly loan payments.

Form 2-NDFL confirms the fact that taxes have been deducted by the employer, so the document is considered preferable for the lender. If the certificate cannot be obtained for compelling reasons, you should use the bank form, which also takes into account related and irregular income.

Confirmation of work experience

Documentary proof of work experience is required to obtain the most profitable loans. Having an employment contract with an employer guarantees a stable income. The optimal work experience for obtaining loans is usually six months. In this case, the total experience must exceed one year.

The following documents are used as proof of employment:

• A copy of the employment contract.
• A copy of the work book.
• Certificate from the place of work.
• Characteristics of the employee.
• Employer information.
• Company contact details.

Additionally, you will have to leave in the application information about the place of employment, including the Taxpayer Identification Number (TIN), the current name and contact telephone number of the enterprise. A call to the accounting or human resources department will allow the lender to obtain confirmation of the information provided by the client. An employee of a financial institution does not have the right to transmit information about the terms of the transaction to third parties, including the employer. As a result, verification of the fact of employment and work experience is carried out by examining the documents provided by the borrower.

At least 12 months of experience at the current place of employment is required to obtain:

1. Consumer loans with a minimum rate.
2. Targeted loans of various types.
3. Private loans, including from an employer.
4. Loans under loyalty programs.

An employer can provide assistance in lending to employees by issuing cards for making payments under a salary project. In this case, all the necessary information about the potential client is transferred to the bank along with the application for issuing a debit card. Constant supply wages to an open current account simultaneously proves the borrower’s solvency and confirms the work experience specified in the application.

Documents to secure the transaction

Providing collateral in the form of collateral or a guarantee provides access to a range of loans with the lowest interest rates, extended terms and extremely favorable loan amounts. For the bank, collateral reduces the risk of loan default. If the borrower refuses to cooperate, the institution has the right to obtain forced compensation for losses by selling the pledged property or engaging a guarantor of the transaction. Security by a pledge or surety is always secured by an agreement.

Providing collateral

The borrower's personal or joint property is used as collateral, the value of which covers the costs associated with the lending process. For provision, vehicles, apartments, country houses and other real estate. If loans are issued through pawnshops, jewelry, antiques, household, computer and portable equipment are used as collateral.

The conclusion of a pledge agreement involves the provision of:

• Passport and contact information of the borrower.
• Official findings of property appraisers.
• Documents confirming ownership.
• Permissions from co-owners of the property.

Lenders accept only liquid property in excellent technical condition as collateral. We are talking exclusively about objects that, if necessary, can be quickly sold at auction. During the term of the transaction, a financial encumbrance is placed on the property. It is prohibited to alienate the collateral by selling, inheriting or concluding a gift agreement without the official permission of the creditor.

Attracting a guarantor

According to the guarantee agreement, the involved guarantor of the transaction voluntarily undertakes to repay the loan if the borrower encounters financial difficulties. Both close relatives and strangers or even legal entities (enterprises) can undertake obligations to fulfill the terms of someone else’s contract.

The conclusion of a guarantee agreement involves the provision of:

• Passport and contact details of the transaction guarantor.
• TIN, SNILS and any document of your choice.
• Certificates and statements confirming your financial situation.
• Documents from the place of work regarding employment.

Thus, the guarantor is required to provide a package of documents identical to those provided by the borrower himself. Guarantors who repay other people's loans may be entitled to compensation for material damage. To do this you will have to go to court. After the end of the litigation, the guarantor receives a cash payment or a share in the debtor's property.

To obtain insurance you must provide the following documents:

• A copy of the borrower's passport.
• A copy of the concluded loan agreement.
• Certificate of ownership.
• Conclusions regarding the assessment of property value.
• Medical certificate in case of life insurance.
• Certificate from place of employment for disability insurance.

Obtaining a policy will reduce the loan rate by 2-6%. However, for cooperation with the insurer you will have to pay additional commissions, which will offset any savings. In the event of an accident, the insurance company takes on part of the payments, so the policy is beneficial in the course of long-term lending. However, during short-term loans, for a period of up to 12 months, it is recommended not to take out insurance.

The provision will allow you to receive:

1. Mortgage for the purchase of real estate.
2. Lombard loan.
3. Loan for the purchase of a car.
4. Long-term target loan.

Lists of documents required for obtaining loans are provided on the websites of financial institutions. Institutions may also stipulate certain deadlines during which individual documents must be submitted for verification. For example, many certificates are considered valid only for one month.

The mandatory list of documents is not defined by law, therefore each financial institution has the right to put forward an individual list of requirements for the borrower. Many banks determine the optimal package of documents taking into account internal policies.

Thus, an exhaustive list of documents allows you to obtain the most favorable loan with a low base rate, a long contract period and a large amount of borrowed funds. In domestic banks, the scoring procedure takes no more than 24 hours. As a result, the more documents the client provides, the higher the chances of gaining access to preferential lending conditions.

What documents are needed to obtain a consumer loan - this is the first question that comes to mind for potential borrowers. Knowing this, you can significantly save time when contacting a credit institution. It is also better for a person to know not only the minimum list of documents, but also additional secrets of submitting them, which will help significantly save money when obtaining a loan.

What documents are needed to obtain a consumer loan: general rules

Typically, what documents are needed to obtain a consumer loan are determined by the internal rules of the bank. At its discretion, the bank may reduce the required list to the minimum or require additional confirmation. Full list You can usually find it on the bank’s website or check at any office. At the same time, you should immediately clarify what kind of loan you would like to receive and some additional criteria, since the list may change for different categories of borrowers.

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Depending on where exactly a person plans to take a loan, the list of documents needed to obtain a consumer loan may also change. All this can be clarified immediately before signing the loan agreement. You must understand that the list will not be the same for those who are bank clients and for those who apply for the first time.
The main documents that are always required usually include passport and TIN . They must be provided in any case.
Practice shows that many banks try to limit themselves only to these documents if the client wants to receive a small amount. The speed and ease of obtaining a loan is what attracts people to a particular bank. That is why lenders try to simplify this procedure as much as possible.

However, sometimes the list can be expanded somewhat. For example, if a client wants to get a consumer loan for a large amount or, according to some internal criteria of the bank, he is unreliable. In this case, he may be required to additionally provide a certificate of income, form 2-NDFL, and a copy of his work record book. You may also need to provide documents of the guarantor (also a passport, tax identification number and income certificate).

Even if the bank is ready to provide a loan without this, it is still recommended to provide additional documents to the lender. Most often, the bank's rules provide for a lower interest rate in this case. That is, if a person provides a certificate of income, he will be able to get a loan with interest rate on average 2% lower than when drawing up a contract without a certificate. That is why, if such an opportunity exists, it is better to provide a certificate when receiving a loan.
Further, some other documents may be specified depending on the type of loan being issued. For example, if a loan is issued on the security of something, then you need to additionally provide title documents (PTS or real estate documents). If the borrower has an insurance policy (life insurance), then this will also need to be provided. You may also need a student ID or pension ID to verify your special status.

In other words, the borrower must be prepared for the fact that he will need to provide his passport and TIN to the bank, but other documents will depend on the type of loan received and the status of the borrower.

Where to submit

When a person has found out what documents are needed to obtain a consumer loan, he should submit them to a loan specialist. In rare cases, if he cannot do this himself, then transfer through an official representative is possible with a certified power of attorney. If necessary, it is also possible to send documents with a list of attachments by registered mail. Each sent copy must be certified by a notary.
With the documents, the potential borrower drives up to the office and signs an agreement there, providing copies or the original (depending on the type of document). Each copy must be signed, dated and directly certified that the copy corresponds to the original. The bank employee also puts the same marks.

By general rule The borrower, along with the agreement, must be given a document indicating a complete list of documents received. Sometimes this may be listed in the contract as a separate clause.
Sometimes the client may be asked to place scanned documents in the Personal Account. This can only be done if the client has been a client of the bank for a long time. For example, if a person receives a salary from a bank, he has Personal account, but to apply for a consumer loan you need to provide some additional documents.

When considering what documents are needed to obtain a consumer loan, you should also consider some additional practical tips:

1. If possible, it is better to independently clarify the possibilities of submitting an income certificate. Even if this is not mandatory, sometimes credit specialists simply keep silent about the fact that when you submit a certificate, you can get a loan on more favorable terms.
2. It is not recommended to send documents by mail or scanned form. It is better to coordinate a visit to the office.
3. It’s better to immediately take both the original and a copy of the document with you so as not to travel twice - if you have one copy without the original, the document cannot be accepted by the bank.
4. It is better to check the complete list directly with the bank, because sometimes different original conditions, determined specifically by a given credit institution - a potential borrower may be required to have a military ID, PTS or any other document that is not included in the list of common documents.

It is best to submit as many documents as possible that can provide the bank with guarantees - this will increase the client’s reliability and will allow you to receive a loan on more favorable terms (a larger amount or a lower percentage).

Rule about large quantity documents do not apply to situations where the potential borrower is already a client of the bank. In this case, the most they can ask for is a passport. All the necessary information is already in the database and therefore there is no need to resubmit documents. Sometimes you may not need a passport at all - some banks practice SMS confirmation, when a transaction confirmation code is sent to the client’s phone. Also, the database usually contains a photograph of the client and therefore identifying his identity will not be difficult. A complete list of documents will be required only if the person has not previously been a client of the bank or if he wants to receive a large amount of funds on credit, and this requires additional confirmation.

To protect yourself from future misunderstandings, it is best to obtain an official statement from the bank confirming receipt of the documents. Not only names should be indicated there, but also series and registration numbers. Transferring documents without such an extract is neither rational nor safe.

The loan specialist only has to check the information in the copy with the original and that’s it, but he has no right to take away the document itself.

Have you decided to take a bank loan? Registration can be done quite quickly and simply if you approach each of its stages correctly. We will try to help you by describing in detail what documents you will need for a loan, because without them, as you know, it will not be possible to borrow money.

Why does the lender need these documents?

Important! Please keep in mind that:

• Each case is unique and individual.
• A thorough study of the issue does not always guarantee a positive outcome. It depends on many factors.

To get the most detailed advice on your issue, you just need to follow any of the suggested options:

A comprehensive package of documents for obtaining a loan in Russia is not legally defined. Those. each of the lenders establishes a certain list, relying on its internal documents with a possible requirement for the borrower to provide additional certificates if doubts arise about the issue. It is also permissible to establish certain deadlines according to which certain documents are valid.

So, the borrower may have a question, why are numerous documents needed to apply for a loan? Is it really not enough, for example, a passport? Sometimes this is enough to borrow a small amount of money (consumer loan). But, if you need more or want to reduce the interest rate, which is acceptable in some cases, then you should convince the lender of your solvency and integrity, but they will not believe you in words. After studying the papers, the bank will make a decision and possibly change the conditions and apply some benefits. If circumstances indicating a potential failure to repay the loan on time are obvious, the credit institution has the right to refuse to issue finance in whole or in part, which is enshrined in Art. 821 Civil Code of the Russian Federation.

Depending on the loan program, an appropriate package is required. The most cumbersome package is considered to be that required for obtaining a mortgage, where the risks for the bank are the highest (long loan term, large loan size).

Standard package of documents required to obtain a loan

Let's look at the standard list of what documents are needed to apply for a loan to an individual. Let us immediately note that the list below can be expanded or minimized according to the individual requirements of the lender. So:

Document name	Description of what the document is needed for
Application form based on the bank model	It is located in a publicly available source (on the official website of the banking organization), and can be filled out by the borrower independently at home or at a bank branch.
Passport of a citizen of the Russian Federation	To obtain, for example, a consumer loan in cash, you need a copy and original document.
Certificate from the employer about the borrower’s salary	Can be presented in the form of 2-NDFL or in the form of a bank. The average requirement is for the last 6 months in the last position. The document must have the signature of the director of the enterprise or the chief accountant, as well as a specific seal (round company stamp).
Work book (copy)	Confirms that the client has the necessary experience, because In most cases, a total of 1 year of experience is required. With its help, you can also study data on average monthly income.
Military ID (copy)	Provision is required if the client (male) is under 27 years of age. The bank thus determines the possibility of military conscription, which may prevent repayment of the loan in the future.
Documents for a loan secured by real estate or other property	This list includes certificates confirming the borrower’s ownership, for example, of an apartment, house or car. The list is current for the collateral lending program.
Documents from the guarantor	If, when applying for a loan, a guarantor is required to act as a guarantor of the transaction, he also provides the bank with documents confirming his identity and financial security.

For example, these are the documents required to obtain a loan from Sberbank.

Additional documents required by the bank

In addition to the main list, bank specialists may request other certificates, which the borrower must be prepared to provide. A loan without documents is not issued at all. The fact is that bankers often encounter scammers. However, to falsify several documents issued at once government agencies- extremely difficult. It turns out that additional documents are needed to correctly identify the visitor. Now let’s discuss what documents are needed to obtain a loan if the lender has additional questions:

1. Agreement with an educational institution, if the borrower is a student.
2. TIN certificate. Using it, you can check the borrower’s tax debt on the official portal of the Federal Tax Service. Also, the TIN is included in the 2-NDFL certificate if information about the material benefit of the borrower is submitted.
3. SNILS is the insurance number of an individual’s personal account in the compulsory pension insurance system. It is not needed to check the accrual of funds to a pension account. For many lenders, this document is mandatory. Using it, it is possible to 100% confirm your identity, because a passport can be replaced for a number of reasons (change of last name, first name, etc.), but it is impossible to replace SNILS. Also, the lender can use the number to determine the client’s official place of work, his level of earnings, and other “secrets.”
4. Driver's license. Can be presented as any second document of choice confirming the identity of the borrower. Not all banking companies require it.
5. International passport. It is also used as another document confirming the identity of the borrower. So to speak, for persuasiveness.
6. Available insurance policies, for example, CASCO, OSAGO, compulsory medical insurance, etc. If a question arises about insurance (voluntary or compulsory), the borrower can present available documents.
7. Copies of loan agreements with other banks, account statements. Necessary to confirm the presence/absence of debt on loans received previously and at the time of applying for a new loan - unclosed.
8. Marriage certificate, birth certificate of a child. This is usually required if the loan is large. According to the laws of the Russian Federation, the debtor’s property, including his debts, is divided equally between the spouses. Children claim a share of the property. For example, if the collateral is an apartment in which a wife and child are registered, this fact should be indicated by attaching the relevant documents.
9. Diplomas of existing education. The document also confirms the identity of the borrower. When choosing a student loan program, a diploma is required. In addition, it was noted that people with higher education creditors are more trusting.

The documents required to obtain a loan are carefully checked by bankers. The final decision is not made immediately. Thus, by submitting an online application, a citizen can receive preliminary approval, and by submitting the necessary package of certificates after some time, the lender will refuse to issue a loan. We recommend that you do not be “lazy” when collecting papers for the bank, even if some of them are optional. The larger the amount you plan to receive, the more documents you will need.

For example, you need a regular credit card. To apply for it, you only need a passport, but by taking a 2-NDFL certificate, an international passport and a driver’s license to the bank branch, you can convince the lender of your solvency and count on an increased limit on your credit card and, possibly, a low interest rate on the loan.

What documents are needed for a pensioner to take out a loan?

So, we have already noted that depending on the loan program, there is one or another list of mandatory documents. The Bank also reserves the right to require additional certificates. We will not consider documents for a mortgage loan here, because... A separate review should be devoted to this topic due to its cumbersome content. But we need to talk a little about collecting documents for pensioners.

A citizen of respected status in society can count on various types loans from Russian banks, ranging from ordinary consumer loans to mortgages. The list for each program may differ, but the following is considered the standard list:

1. Borrower's questionnaire - sample at the bank.
2. Russian Federation passport – original and copy (permanent registration is a mandatory requirement).
3. Pension certificate.
4. A document confirming the financial solvency of the pensioner. For example, a bank account statement, a certificate from the Pension Fund indicating the amount of the pension, etc.
5. SNILS number.
6. Employer's work book or TIN - if the borrower is a working pensioner (officially employed).

One of the restrictions in issuing a loan for pensioners may be age. Some banks set a possible limit, for example, up to 65/70/75 years at the time of repayment.

The bank sets strict requirements for borrowers, because... the likelihood of fulfillment of obligations by the client directly depends on this: if control is weak, there will be many defaulters. Therefore, first of all, the bank requires documents proving the client’s identity, as well as income certificates. Everything else depends on the chosen loan program.

Issuing a loan is always associated with certain risks for the lender - this is especially true in Russian realities. It is not enough for a bank to simply issue a loan: it needs confidence that the borrower will be a trustworthy person who can repay the loan to the fullest penny. Therefore, the requirements for documents from the bank are sometimes strict.

Help: in Russia, only microfinance organizations (MFOs) do not require many different papers. However, it is precisely this policy that leads to a large number so-called “non-returns”, i.e. failure to fulfill obligations on the part of the debtor. Therefore, microfinance organizations compensate for losses and damage from debtors with extremely high interest rates. In fact, all other clients “pay” the MFO for unscrupulous payers.

The list of required documents varies depending on which program the borrower wants to apply for a loan. Therefore, we will look at what documents are needed to obtain a loan from Sberbank under different lending programs.

General package of documents

This list includes papers necessary for processing any loan- and it doesn’t matter whether it’s in Sberbank or any other banking organization. To get sum of money, the borrower must provide at least:

• Internal passport of the Russian Federation- original and copy. After approval, the original passport is returned to the owner. Thus, getting a loan in the Russian Federation as a foreigner is quite problematic. Please note: Sberbank requires that the passport contain temporary or permanent registration within the Russian Federation. Some banks only require permanent registration, and even in the region where the bank operates. Therefore, before submitting an application, always check with your bank employee whether registration is required in any particular region;
• A copy of the work book. It must include notes on the total work experience for the last 5 years and the length of service at the last job. As a rule, banks require 1 year and 3 months, respectively, but some organizations have more stringent requirements for length of service. The copy must be certified by the director and chief accountant of the enterprise;
• Certificate of income in form 2-NDFL. It can be obtained in the same place where a copy of the employment document is certified - in the accounting department of your employer. This document serves as the main indicator of your official (“white”) income. The values ​​indicated in the document will become the starting point when calculating your solvency;
• An initial application form filled out on Sberbank letterhead. Sberbank requires that the application list not only the desired loan programs and average monthly income, but also the INN and SNILS. The bank needs a TIN number to find out as much information as possible about the applicant: frequency and amount of tax deductions, property registered with the applicant, etc. In turn, the bank needs SNILS to check contributions to the Russian Pension Fund. Taken together, SNILS, INN and 2-NDFL certificate are capable of providing the bank with comprehensive information on the client’s solvency;
• In addition, the bank may accept 2-NDFL instead of a certificate other documents that can confirm income level: a lease agreement where the applicant acts as the owner of the property; pension certificate; employment contract with long term actions; current account statement with transaction history; tax return in form 3-NDFL; income certificate in the form of a bank. As a rule, all these documents become required if, for one reason or another, the applicant cannot provide a 2-NDFL certificate (for example, because he works remotely without an officially registered employment relationship);
• If the borrower is a young man under 27 years of age, the bank may require him military ID. Everything is simple here: if a military man young man is absent, he may be drafted into the army, which is why the issue of repaying the debt may additionally stretch out for several years.

Note: if the borrower is a so-called “payroll client,” the bank most often does not require the provision of papers regarding income. The reason is that the bank already has all the data on the client’s financial security.

So, we have looked at what minimum documents are needed for a loan from Sberbank to an individual. Let us now look at other nuances when obtaining a loan.

Documents for refinancing a consumer loan at Sberbank

Refinancing means refinancing loans from other banks at Sberbank. For example, the loan was received at VTB, and refinancing will take place at Sberbank. Then, in addition to the minimum set of documents, you will need:

• Documents for existing loans: loan agreements, payment schedules, certificates of debt balance. The borrower must either have all these papers with him since the time of receiving the loan (for example, a loan agreement), or, if not available, receive them from the creditor bank;
• Documents confirming the absence of a pledge (encumbrance): certificate from the Unified State Register of Real Estate, etc. More relevant for refinancing car loans and mortgages.

Please note: if the borrower simply wants to refinance old loans without receiving additional amounts “on top”, Sberbank will not require documents confirming income. In this case, the bank management believes that the very fact of receiving a loan from previous banks, as well as the active actions of the borrower - i.e. searching for refinancing programs already indicates the integrity and solvency of the applicant.

Documents for business lending

In this case, the bank approaches the selection of applicants very carefully. The reason is that a legal entity, compared to individuals, it is much easier to file for bankruptcy - therefore, the bank may lose both the loaned money and interest income.

The minimum package of documents will need to include:

• Certificate from the Federal Tax Service (Federal Tax Service) about tax registration;
• Certificate of state registration in the Unified State Register of Legal Entities;
• For specific companies - construction, pharmaceutical companies, etc. - credit is provided only upon provision of special documents: license, certificate of admission to special work;
• Documents certifying the enterprise’s turnover is sufficient to obtain a loan. The papers can be obtained from the chief accountant of the enterprise; they must be certified by the Federal Tax Service of Russia;
• Tax return for the last tax period;
• In some cases, you may need papers confirming the right to use commercial premises: a lease agreement, a purchase and sale agreement, etc.

Documents for obtaining a credit card

Contrary to popular opinion, Sberbank does not impose additional or special requirements on those who wish to obtain a credit card. The documentation specified in the “General List” paragraph is an exhaustive list of papers required for obtaining a credit card.

Help: Sberbank may set more stringent conditions for those who want to receive a platinum credit card. In particular, the bank will require more documents confirming income, including documents on the ownership of liquid and valuable property (real estate, car, etc.). Be prepared for this if you want to get a platinum credit card.

Documents for a car loan

We have already figured out what documents are needed to take out a cash loan from Sberbank, but what to do with a car loan - a more complex and expensive type of lending? Sberbank, in addition to the minimum package of papers, will also require:

• A driver's license - the bank needs it to exclude the fact of misuse of funds;
• An additional document other than your passport. Most often additional The document is needed if for some reason the borrower does not have a driver’s license. An international passport, a document related to professional activities, etc. will do.

What documents are needed for a loan “on two documents”?

The name of the lending program, unfortunately, has little to do with the real state of affairs. The bank, of course, requires more than two documents when applying for a consumer loan. This is especially true for mortgage loans obtained under an accelerated program.

The interest rate for such a program is traditionally high. But, more importantly, not everyone can get such a loan. Only privileged categories of the population (pensioners, salary project participants, public sector employees) and those with valuable property have access to the program. Therefore, a loan “on two documents” almost always means the registration of a collateral obligation on vehicle, less often - for real estate.

Therefore you will need:

• Internal passport of the Russian Federation and a second paper of your choice: driver’s license, international passport, service ID, etc.;
• Income certificates. It is important that the bank does not have to provide a 2-NDFL certificate: to receive an express loan, you can provide a certificate in the bank’s form. It is easier to register and you can list unofficial income, one way or another hidden from the tax authorities;
• Pensioners need to provide a pension certificate;
• When placing an encumbrance on property, you will need documentation of ownership of the property. For example, if a pledge is issued for a previously purchased car, the bank employee needs to provide a purchase and sale agreement;
• A certificate from Rosreestr confirming the absence of encumbrances from other banks;
• A valid MTPL or CASCO policy for the collateral vehicle.

What papers are needed for a consumer loan in the amount of 300-500 thousand rubles?

Taking into account significant loan amounts, and even non-targeted ones, the bank will require a whole range of papers from the borrower in addition to the main list. In this case, each client receives an individual offer, but the list general recommendations nevertheless, it is possible to deduce.

Firstly, most likely you will have to register some property as collateral. For information about what documents you will need for this, see the paragraph above.

Secondly, in addition to the certificate in form 2-NDFL, Sberbank may require a certificate of income in the bank form, which lists all unofficial income, as well as other documents confirming the applicant’s solvency. If there is the slightest discrepancy between the declared income and the real state of affairs, the bank will immediately refuse you.

Thirdly, without the involvement of co-borrowers and/or guarantors, the bank will probably not issue a loan. In this case, only an increase in responsible persons can really at least somehow guarantee the bank the fulfillment of obligations on the part of the borrower.

Therefore, think three times whether it is worth taking out a consumer loan for such a large amount. If you need a lot of money, this might be right for you credit card with a large credit limit.

Conclusion

Sberbank needs documentation from the client in order to thereby protect itself from risks. The main list of required papers includes a passport, a copy of the work book and income certificate. All other documents are, in fact, complementary, depending on the chosen lending program.

In any case, we recommend that the borrower, before submitting an application, come in person to a Sberbank branch to get advice there. A bank employee will study your individual characteristics from a lending point of view and will be able to tell you exactly what documents you personally need to apply for a loan from Sberbank.