Those documents that you will be required without fail include a passport or other document that unambiguously confirms your identity. For insurance, as a rule, in addition to your passport, you may be required to choose two more documents to choose from: a military ID, a foreign passport, a pension fund insurance certificate, and a driver's license. But this is a necessary minimum, according to which you can only get a consumer loan in a store for a small amount. When the amount exceeds 50-100 thousand, the package of necessary documents can be expanded.
In the event that a loan is issued secured by property, you will need to present a certificate of ownership of the mortgaged property. As a rule, the bank does the valuation itself.
Documents required for obtaining a large bank loan
When you want to receive a large amount of cash, the bank has the right to require you to:- an application for a loan and a plastic card, which is according to the model;
- the original and a copy of the civil passport;
- the original and a copy of the driver's license;
- certificate of salary for the last 3 months, issued no later than 30 days before presentation;
- a certificate from the last place of work or a copy work book;
- pension certificate if you are a pensioner.
You may not need a certificate of no debt in other banks - the borrowing bank can independently request your credit history.
When you want to get to the bank mortgage, the requirements will be stricter. To confirm your identity, you will need photocopies of all pages of your passport, a certificate of employment in the form 2-NDFL, issued no later than a month. A copy of the work book will need to be certified by the seal of the employer. You will also need to show a marriage certificate if you are a member, or a divorce certificate if you have ever been married or married, and documents for children if you have children under the age of 18. Some banks will also ask you to show your driver's license or, if you don't have one, the original certificate of the absence of diseases from the psycho-neurological dispensary. Be prepared to also present a diploma, a certificate of education or documents for a car, a certificate of ownership of real estate.
Collecting a package of necessary documents is the first step in obtaining any loan. Depending on the chosen bank and their list may vary: some of them are required without fail, others - only when applying for a certain one. At the same time, the borrower's chances of obtaining a particular loan increase significantly if there are some certificates and references in the credit case. What documents you need to provide to obtain a loan, which of them are mandatory and which are not, and how the packages of documents differ in different banks are described below.
Standard set of documents
Regardless of the selected loan product, the manager will provide the borrower with a list of what documents are needed to obtain a loan. The client undertakes to provide the original passport and photocopies of all its pages, which can be certified by the borrower himself, as well as the signature of the bank manager accepting the documents, and the stamp of the credit institution. Additionally, filling out an application for a loan and a questionnaire is required. Some banks offer customers an application form that combines both forms.
List of standard documents for applying for a loan
Most banks give their customers lists of what documents are needed to obtain a consumer loan and which documents are required to obtain a mortgage. As a rule, you will need:
- A copy of the work book certified by the personnel department or any other document that confirms the employment of the client - a certificate from the employer, a contract, an extract from the work book. Such documents must indicate the place of work, position and length of service. Each page of the document must be certified. Seafarers are required to provide a passport, contracts for the last few years and their official translation into Russian.
- Income statement. It can be issued in the standard form 2-NDFL or in the form issued by the bank. It is certified by the seal of the employing organization and signed. It should contain information on the amount of income of the borrower for the last six months at least. If, in addition to wages, a bank client has a third-party source of income (from renting out real estate, pensions, etc.), then documents confirming it are provided - such papers can significantly increase the chances of obtaining a loan.
- Documents that confirm the fact of the presence of a deferment from military service - a military ID, registration certificate and others. Required only if the borrower is under 27 years of age.
Many financial institutions In addition to the documents listed above, additional documents may be required. What documents are needed to obtain a loan additionally - described below.
Additional documents required by the bank
The documents listed below can be prepared not only at the request of a credit institution, but also on the personal initiative of the borrower. Most of these papers can not only confirm the social status of the borrower, but also positively affect the assessment of its solvency. Such documents can be provided to the bank when applying for both a consumer loan and any other loans and loans secured by property - real estate or vehicle. What documents are needed to obtain a loan additionally?
- Vehicle registration certificate or driver's license.
- Insurance certificate of the pension fund.
- Passport - if available.
- All insurance policies- CASCO, OSAGO, OMS and others.
- Original certificate confirming that the borrower is the owner of the property, or a copy thereof.
- Bank statements, any documents confirming the existence of these accounts or securities.
- Photocopies of papers about the education received: certificates, diplomas, certificates, certificates.
- Account statements, copies of previously executed loan agreements, certificates from credit institutions confirming the absence of debts.
- Copies and originals of birth certificates of children, marriage or divorce.
A credit institution, when applying for a consumer loan aimed at purchasing goods - for example, household appliances - may require the borrower to provide an invoice from the store; when applying for a loan for education - an agreement concluded with an educational institution, and a copy of its license certifying its right to conduct such activities.
Applying for a loan at Sberbank
For getting Money in debt, a potential borrower can apply to one of the most popular banks - Sberbank. What documents are needed to get a loan in it?
If the borrower has never used the services of this credit institution before, then the requirements for him are much stricter than for other clients, and the verification of the received documentation will be carried out many times more carefully.
Required documents
The loan officer must receive the following papers from the borrower:
- An identity document is a passport.
- Employment book, contract with the employer or any document confirming the presence of a permanent place of work.
- The certificate and extract from the USRR are provided by individual entrepreneurs.
- Help 2-NDFL, tax returns with the stamps of the Federal Tax Service.
- Documents confirming an additional source of income - for example, from the rental of real estate or third-party part-time work. Notifying the bank about this will increase the chances of obtaining a loan.
- Men under the age of 27 must provide a military ID in order to prevent delays in loan payments due to military conscription.
- Persons acting as guarantors should not have any debts to credit institutions. In addition, they are required to provide a similar package of documents to the bank manager.
The borrower may, on his own initiative, present to the bank papers confirming his right to own real estate or any other property. Such certificates will confirm the solvency of the client and increase his chances of obtaining a loan.
Getting a loan from Rosselkhozbank
A standard set of papers required for obtaining a loan is available in each bank; Rosselkhozbank is no exception. What documents are required to obtain a loan from this financial institution?
The loan agreement is drawn up after the submission of the following documents:
- Each person involved in the design of a loan product fills out a questionnaire. The application form can either be taken at the institution or found on the official website of Rosselkhozbank.
- Identity document. In most cases, a passport is required.
- An employment contract or book is a paper confirming the employment of the borrower. Such documents are certified no later than one month before the date of application.
- Certificate 2-NDFL or a similar form issued by the bank and confirming the amount of the borrower's income. If the loan is issued for a pensioner, then it is necessary to present an extract on the accrual of a pension.
- Military ID.
Listed above are the documents required to obtain a loan. Providing a full package to Rosselkhozbank will help you get a loan and increase your chances of getting it.
Getting a loan from Sovcombank
One of the most successful banks today is Sovcombank. What documents are needed to get a loan in it?
- Passport of a citizen of the Russian Federation.
- The second document confirming the identity of the borrower. It can be any paper - a driver's license, a military ID, a medical policy.
- Tax certificate in the form of 2-NDFL or a special document issued by the bank.
- Employment contract or work book.
What documents are needed to get a loan for a pensioner?
A pensioner who receives his pension at Sberbank, for example, when applying for a loan, must provide only a passport, since all the necessary package of documents is already stored in a credit institution. If the pension is accrued by one bank, and the loan is issued in another, then it is necessary to take a certificate from the Pension Fund on the amount of the pension.
Drawing up a loan agreement at a bank requires the provision of a certain package of papers. What documents are needed to obtain a loan, and in which specific banks - is described above.
Whichever bank you apply for a loan, everywhere you will be asked to submit a certain package of papers for consideration of a loan application. In this article, we will talk about the documents that you will need to apply for a loan at Sberbank.
General package of documents
Documents for a loan (and this applies not only to Sberbank, but also to any other bank) must include a general civil passport of a citizen of the Russian Federation.
With regard to registration (registration), most banks require a permanent registration (registration) mark in the passport. Sberbank, unlike them, admits that the future borrower may be temporarily registered. This, of course, significantly expands your opportunities for obtaining a loan, but then you will also need to submit a certificate from the passport office confirming that you are really still temporarily registered at a specific address.
According to your passport, the security service checks a lot of information on “special” bases (conviction records, presence of nominee directors in the databases, credit history). FULL NAME. and the passport number, in this case, allow you to identify you as unambiguously as possible (so as not to get annoying "overlays").
If you receive a pension, scholarship or salary on a Sberbank plastic card, then in order to receive certain types of loans, you do not need to provide either an income certificate or a certified copy of the work book confirming your employment.
If you are not a participant in a salary or social project at Sberbank, then you will have to provide a document confirming your income in any case. Alas, Sberbank (unlike other banks) does not have programs like "" or "without confirmation of income."
To verify income
Classically, this is a certificate of income in the form of 2-personal income tax issued by your employer. I want to immediately warn you if someone is going to "negotiate" with friends so that they "make" a 2-personal income tax form. There is a "rumor" that Sberbank has the ability to verify the accuracy of information on income on the bases of the tax inspectorate (on the basis of actually paid tax). Perhaps this is a rumor, but the risk of getting into informal databases of “deceivers” is quite high. After that, getting a loan from another bank will be very problematic. More precisely, it is impossible.
If for some reason you cannot provide the 2-NDFL form, you can submit a certificate of income on the letterhead of the employer with a blue signature and a blue seal. The certificate must contain your full name, full and exact name of the organization, postal address, phone number of the accounting department, average monthly income for the last six months and the amount of deductions from wages for the same period. For convenience, you can download a reference template from the Sberbank website and ask the accounting department to fill it out so as not to miss or forget anything.
If you receive a pension, then to confirm your income, you must submit a certificate of the pension assigned (paid) for the last month from the Pension Fund branch or another body that pays you money.
Individual entrepreneurs provide copies of tax returns with marks of acceptance by the tax office for the last calendar year or for the last five reporting periods (if you report quarterly).
By the way, when considering loan applications, Sberbank is ready to take into account your additional income(This is especially true for mortgages).
If you receive income from the rental of property (real estate or vehicles), then you must provide documents confirming that you own the property (and you must have been the owner for at least two years); a lease, lease agreement, the term of which expires not earlier than in a year; necessarily, attention, a copy of the declaration in the form 3-NDFL - your reporting that you paid income tax on these incomes.
If you receive income under civil contracts, you can provide the contracts themselves, payment documents and a declaration in the form 3-NDFL.
To confirm employment, you must provide either a certified copy of the work book (recently, personnel services know how to do this correctly) or a certificate from work in an arbitrary form, from which it clearly follows that you are employed.
Let's call this package "basic" for simplicity of further descriptions.
Documents for obtaining a loan and a credit card
To take a consumer loan without a guarantee and security in the amount of up to 300,000 rubles, a passport and a document confirming your income will be enough (only a passport is enough for participants in salary projects). For a larger amount or if you are an individual entrepreneur, you will also have to provide a document confirming employment, that is, a complete basic package.
If a guarantor(s) is required to obtain a loan, they will have to provide exactly the same documents as the future borrower. But persons aged 18 to 20 still have to prove that they are relatives of the guarantors.
To apply for a credit card, you will have to provide a complete "basic" package of documents, and it does not matter whether you receive a salary on a Sberbank card or not.
A package of documents for a car loan
For car loans (as well as for mortgages), the list of documents is much larger: documents for vehicles are also added to them. If you are willing to pay more than 30% down payment for a car, then you can provide only a passport and one of the additional documents of your choice: a driver's license, an identity card for a serviceman, a military ID, a passport, a certificate of compulsory pension insurance. If you are not able to pay such a large down payment on a car loan, then you will have to provide a complete “basic” package of documents.
Additionally, you will need to submit documents for the purchased car. Be sure to contract the sale of the car, as confirmation of the intended use of the loan. An invoice for the full cost of the car and a payment document that the down payment has already been made. Without fail: an insurance policy under the CASCO program, or a receipt for full self-payment, or an invoice from an insurance company so that the insurance amount can be included in the cost of the loan).
Features of the mortgage package
In the case of mortgages, everything is much more serious. In addition to the “basic” package of documents (with a similar concession for participants in the salary project), you will also have to provide documents for the acquired property.
We will not paint all the nuances in as much detail as possible. Let's stop only on the main documents.
If you are planning to buy a finished apartment, then, at a minimum, you will have to provide a certificate of the seller's ownership of the apartment along with the document on the basis of which the ownership arose, as well as an extract from the registration chamber stating that there are no encumbrances. In some cases, a cadastral passport may be required. As a rule, the sellers of apartments have all these documents ready.
When buying an apartment in a house under construction (the so-called equity mortgage), you will need an equity participation agreement, as well as a fairly voluminous package of documents for the developer, if he is not accredited by Sberbank. If the construction company is a partner of the bank, then such a package of documents will not need to be provided.
Additionally, you will need documents on the ownership of the land on which the building is located. As a rule, the bank finances the acquisition of individual buildings only simultaneously with the acquisition of the land on which they are located.
Today, banking organizations provide customers with many different types of loans, which differ from each other in terms of requirements for the borrower, features, and also have their own advantages and disadvantages. There are the following types of loans:
- target - funds are issued for the purchase of a particular product or service;
- non-targeted - funds are issued for any needs;
- secured by a vehicle;
- secured by property;
- secured by the acquired property (the list of documents can be found on our website);
- under the guarantee of third parties, etc.
Key Documents
When applying for a loan, regardless of its type, you will need to collect and provide a certain set of papers. The list of required documents for a loan, for example, in Sberbank includes:
- original and copy of the applicant's passport;
- a certified copy of the work book or other document that can replace it;
- certificate of income received by individuals.
A certificate containing information on income received for a certain period of time can be obtained from the accounting department or the personnel department of the institution in which the applicant works. It is worth noting that different banking institutions require the provision of this document for a certain period of time. In order to find out the required period, you need to consult with an employee of your bank.
Additional documents
In addition to the main package, a banking organization may additionally require confirmation of a certain social status. May be required:
- passport of a foreign type (by the way, how to apply for a new passport, read);
- TIN certificate;
- compulsory medical insurance policy;
- copies of valid loan agreements and paid agreements;
- certificates confirming the absence of existing debts on loans and borrowings;
- certificates confirming the existence of securities, shares, etc.;
- copies of diplomas of received education.
Target loans
note
Some of the money spent on education, you can return in the form of a tax deduction. To do this, you need to collect required documents and apply to the tax office. We will talk more about the deduction in. In another article, you can read how to return money for treatment.
To apply for a consumer loan, additional documents are required confirming the expenditure of funds for goods or services for which funds were issued. For example:
- a loan issued to pay for studies - confirmation of the targeted spending of funds is an agreement concluded with an educational institution;
- purchase of any equipment - the invoice received in the store is used as confirmation;
- home loan - confirmation is the purchase agreement, various expense documents, etc.
As you can understand, when using a targeted loan, it is necessary to provide documents that confirm the fact of spending funds on those things for which the bank has provided money on credit.
Additional Documentation Required for a Car Loan
When applying for a loan secured by a vehicle, in addition to the basic set of documentation, most banking organizations also require:
- agreement for the sale of a car;
- a certificate or any other document confirming the applicant's ownership of the transport;
- a certified copy of the technical transport of the car;
- certificate of registration;
- insurance contract.
A set of documents required for obtaining a loan secured by real estate
When applying for a loan secured by acquired or owned real estate, you will also need to provide additional papers:
- a document confirming the applicant's ownership of the collateral;
- real estate cadastral passport;
- extract from the Unified State Register of Real Estate Rights;
- extended type extract taken from the house book.
Additional documentation for other types of lending
If the bank concludes a loan agreement with individual entrepreneurs, it requires the following additional documents:
- originals from notarized copies of documents on registration of an individual enterprise;
- an extract from the bank account of the organization;
- copy tax return, which is filled out according to the third form of personal income taxes.
What documents are needed to apply for a consumer loan - see the video:
If instead of collateral, the applicant draws up a loan against the guarantee of third parties, then they are required to provide:
- originals and certified copies of identity documents;
- certificates, certificates or statements confirming employment;
- any documents that can confirm financial solvency, etc.
Thus, if you want to borrow money from a bank, it is strongly recommended to find out in advance what documents are needed to apply for a consumer loan. It is important to understand that banking organizations differ from each other, respectively, and the requirements for the documentation provided may also be different. Therefore, before applying, you need to familiarize yourself with the lending rules of your bank.
Ask questions in the comments to the article
The process of obtaining any loan begins with the collection of documents. Their list may differ significantly depending on the lending program you are interested in and the selected bank: there are documents that will be required in any case, and those that may be needed only when applying for a certain type of consumer loan. At the same time, the presence of some certificates and certificates in the credit business significantly increases the borrower's chances of obtaining a loan. We will consider in detail all the documents that may be needed during the registration process, dividing them into mandatory and additional, as well as those that will be required for mortgage and car loans.
Standard package of documents
Regardless of which lending program you have chosen, you will need to provide the bank manager with the original civil passport (a photocopy of all completed pages is made, which is certified by the borrower's signature, stamp and signature of the bank manager). You will also need to fill out an application for a loan and a questionnaire. In some credit organizations, the borrower is offered an application form (both forms are combined in this document).
When applying for both consumer loans and mortgage loans, in most cases, banks additionally require to provide:
- A copy of the work book certified by the personnel department or another document confirming employment (certificate from the employer, a copy of the employment contract or contract, an extract from the work book). The documents must contain information about the position held and work experience. Documents must be certified page by page. Seafarers need to provide contracts for the last 2-4 years, their official translation into Russian and a sailor's passport.
- Certificate of income in the form established by the bank, or in the form 2-NDFL, signed and certified by the seal of the enterprise. The certificate must contain income information for at least 6 previous months. If you have an official source of income other than wages (pension, rental income, etc.), provide supporting documents - this will increase your chances of obtaining a loan. We talked about these documents in more detail in the article “ Confirmation of income at the bank - income statements”.
- A military ID, registration certificate or other documents confirming the presence of a deferment from military service for borrowers under the age of 27 years.
Naturally, in addition to this list, many financial institutions ask for additional documents. We will talk about them further.
Additional documents confirming the identity and social status of the borrower
You can prepare and submit these documents to the bank not only at the request of the manager, but also on your own initiative. Many of them will help confirm your social status and will positively influence the results of a credit assessment. It is advisable to provide these documents both for ordinary consumer lending and for loans secured by cars and real estate. These include:
- driver's license or vehicle registration certificate;
- TIN (Certificate of registration with the tax authority);
- insurance certificate of the State Pension Fund;
- international passport;
- available insurance policies (including CHI, OSAGO, CASCO, etc.);
- the original or a copy of the certificate of ownership of real estate owned by the borrower (ownership or co-ownership);
- documents confirming the existence of securities or bank accounts, account statements;
- copies of documents on the education received: diplomas, certificates, certificates, certificates;
- copies of loan agreements, certificates of banks on the absence of debt, statements on loan accounts;
- the original or a copy of the certificate of conclusion (dissolution) of marriage, the birth of a child.
In some cases, when issuing a consumer loan for the purchase of goods (for example, household appliances), banks may ask for an invoice from the store; when obtaining a loan for education - an agreement with an educational institution and a copy of the license for the right to carry out educational activities.
Compared to consumer loans, a more complete list of documents is provided for loans secured by real estate (mortgage) or a car (car loans). More about this.
Documents required when applying for a mortgage loan
When lending secured by property, the bank will require you to provide all the documents described by us in the list of basic and additional, as well as certificates and certificates characterizing the object of pledge and confirming your ownership of it. For mortgages:
- originals of title documents (contracts of sale, exchange, donation; court decision; certificate of the right to inheritance; resolution of the authorized body of state power);
- original certificate of state registration of ownership;
- cadastral passport and floor plan (when registering property more than 5 years ago) - is issued at the BTI;
- cadastral passport for a land plot (issued at the Cadastral Chamber);
- a building permit (if a loan is issued for the construction of a residential building, and a land plot is pledged);
- extract from the Unified State Register of Rights to Real Estate and Transactions with It (EGRP);
- extended extract from the house book.
When applying for a car loan, you will need:
- contract for the sale of a car;
- invoice from a car dealership (for new cars);
- a copy of the vehicle's passport;
- vehicle registration certificate (for used cars).
In the future, upon receipt of a positive decision of the bank on a loan secured by real estate or a car, the borrower undertakes to provide the written consent of the spouse to transfer the property as security for the loan; receipt of payment of the down payment; insurance contracts and a receipt for payment of insurance premiums; opinion of appraisers, etc. A more detailed list will be announced by the manager of a particular bank.
Banks may put forward additional conditions when lending against the guarantee of individuals and when applying for a loan by an individual entrepreneur. More about this.
Documents provided by guarantors and individual entrepreneurs
If a loan is issued by an individual - an individual entrepreneur, he is obliged to provide the following documents:
- a copy of the tax declaration in the form of 3-NDFL or under the simplified taxation system for the previous year and the last reporting period of the current year.
- original and notarized copy of the certificate of state registration of IP.
- statement of accounts from the bank serving IP for 6-12 months.
- documents confirming the conduct of activities (contracts with suppliers, acts of work performed, etc.).
If the loan is issued under the guarantee of an individual or with the involvement of a co-borrower, the bank will require the same documents from your guarantor as from you (with the exception of documents confirming the ownership of the property pledged).
Summing up, we note that the decision taken by the bank to issue a loan largely depends on the completeness of the package of documents provided. It is not always necessary to limit yourself to the minimum list: it is better to prepare an extra certificate or take an unrequired diploma than to miss the opportunity to get a profitable loan.
