Express lending has always been itselfa favorite service of financial institutions. After all, this is a sure way to make a huge profit in a short period of time. The rate for such loans can reach 70%, which banks explain by increased risk factors. After all, making out credit cards without certificates of income, the financial institution gives money in debt, without any guarantees from the return. A huge profit in this case provides a large number of loans so given. It also eliminates bank losses in cases of fraud.
Credit cards without certificates and guarantors
Today, issue a consumer express loanyou can almost in any bank. You can get money in this case either in cash (at the checkout) or on a freshly printed card. To issue credit cards without certificates of income, you must provide the financial organization with 2 documents, namely:
By receiving credit cards without income certificates,the client agrees to pay sometimes huge interest rates - up to 70% per annum, however, the terms of payments can be significantly mitigated, giving the financial institution more information and guarantees. If you have only two documents, you can take a maximum of 500 thousand rubles for a very short time. And, although the laws of the Russian Federation stipulate that such loans can be obtained for a period of up to one and a half years, most financial organizations rarely manage to exceed the six-month period.
To apply for a consumer loan with milder conditions, you can provide the following documents and guarantees to the financial institution, in addition to the above:
Today we can say with confidence thatto issue a credit card without certificates is like giving a hard-earned money to a bank. If it was already required to borrow, it is much more expedient to collect the most complete set of documents, to find a guarantor and a collateral object. This is the only way to take a loan, because then the conditions for obtaining it will be more beneficial to the client. The rates for such a loan will rarely exceed 15-20%, and the maximum amount may reach 10 million rubles.