As everyone already knows, nowadays any working person can afford a loan. But people who come across this for the first time ask themselves the question: “ Maybe you shouldn't borrow money? ''
It is worth noting that applying for a cash loan will help to borrow money, and that's pretty a good option to improve your financial situation, but at the same time it is necessary to take into account that in this case you will have to give your money to the amount taken from the bank. More details in this article.
Indeed, every bank has an interest rate, otherwise it would be unprofitable to provide this service to the population. True, in every company. It is different, for some it is more, for some it is less. But despite this, people still take money on credit in cash.
It is also worth noting that banks always require a large stack of documents from the borrower, and if it is not there, either the loan will be refused, or the amount will be less. Many also believe that you can do without loans, in extreme cases you can borrow from relatives or friends. But as far as you can be sure that they will not ask you to return the amount earlier than they agreed, and the bank will not ask for this, you can be sure of this.
If you suddenly need a million rubles, then such an amount can hardly be found among relatives, and the bank is ready to provide it for 3-5 years. When placing an application for such an amount, you must meet the conditions that are put forward by banks, and in a few days, you will have it in your hands. It won't take much time, you just need to come to the bank and submit an application, then in a few days the managers will call and tell the bank's answer.
After that, you need to come to the bank and fill out the formalities.
attention to the following points that must be agreed by the bank:
- Interest rate (each bank has its own);
- Commissions and penalties;
- Loan maturity.
Each bank always arranges promotions for which you can calculate a consumer loan without certificates at a reduced interest rate. They can be every month or only on holidays.
At the moment, the Savings Bank is undergoing a promotion, they issue a consumer loan in cash quickly up to 3 million with a maturity of 5 years. The interest rate in each case is different and it varies from 14.5 to 24.5%. Here the following factors are taken into account:
- Customer category;
- Its reliability;
There is also a program “ Personal loan without collateral '' ;. Here the interest rate is 15-25.5%, with a maturity of 3-60 months. The amount that a client can count on is 15-45 thousand.
In conclusion, I would like to say that borrowed money is very helpful for people with their financial difficulties. But before taking a loan, you need to study the conditions of all banks in your city.
Joint Stock Company Tinkoff Bank
23060, Moscow, 1st Volokolamskiy proezd, 10 -1.