Sberbank of Russia makes it possible for Russian citizens to get a consumer loan, but for this you need to collect a small package of documents. As a rule, this is necessary in order to show the bank the financial condition of the borrower, solvency. In some cases, loans are issued without any collateral and even without guarantors. There are several loan programs.
The main document when applying for a loan is a passport of a citizen of the Russian Federation, and it must contain a note of registration at the place of residence. In the event that you have a temporary registration, provide a certificate from the passport office.
To show a stable financial condition, you must provide a certificate of income in the form of 2-NDFL for the last six months, and continuous work experience must be at least six months. With fairly large loan amounts, a bank employee may ask you to provide a copy of a work book or a certificate from your employer about your position.
If for some reason you are not able to provide a copy of the employment record book, it can be replaced with a copy of the employment contract or contract. Moreover, it must be stitched, numbered and certified by the head of the enterprise.
In the event that you work part-time, then provide a certified copy of the contract or employment contract to the credit department. You can also take a certificate of income.
In the event that you have chosen the “Consumer loan secured by individuals” credit program, the guarantor must also make copies of documents from the place of work. If a person receives income from the outside, for example, from renting property, then a certificate in the form of 3-NDFL or a declaration of income marked by the tax authority must be submitted to the credit department.
Sometimes Sberbank employees are asked to provide a copy of a second document, for example, a driver's license, foreign passport or insurance certificate. In the event that you are not able to provide a 2-NDFL certificate, ask the employer to issue an income statement in any form.
