Documents for the bank for a loan. What documents are needed to obtain a consumer loan. Additional documents for loan processing

You won't surprise anyone with the availability of loans, given banking service firmly entered the daily life of a modern person. The variety of services offered allows you to find funds in any situation, regardless of the purpose of use. However, the requirements are constantly changing, so the question of what documents are needed for a loan does not lose its relevance. It is not possible to give an unambiguous answer to it, because either its refinancing has different requirements for an individual. Nevertheless, a number of general rules, which are similar for all banking institutions.

Basic documents required for a loan

If you plan to attract financing to a particular banking organization, take into account one of the main rules: the more the creditor is confident in the applicant's solvency, the more favorable terms of cooperation he is ready to offer. Moreover, all conclusions are made on the basis of the documents provided. Credit history is additionally checked.

Consequently, if you refuse to provide, for example, a statement of income or from a place of work, the bank automatically considers this as insufficient reliability and seeks to reduce its risks primarily by overstating the interest rate.

When looking for an answer to the question of what documents are needed for a consumer loan, you are guaranteed to come across offers for express lending. Here it is enough to have a passport and any second document from the list offered by the bank.

Such a simplified registration procedure helps to get money as quickly as possible, however, it implies increased costs for servicing the loan.

In this regard, if possible, try to submit the most complete package of documents.

What does the list of documents for a loan include?

Let's consider the application procedure using the example of the two largest banks - and. By general rule what documents will be required to obtain a loan depends on two factors:

the category to which the client belongs;
lending purposes.

Despite the many nuances, you can highlight those materials that will be requested in any case. These include such as:

application form (filled in on the official form, which can be found on the bank's website or in any of its branches);
passport of a citizen of the Russian Federation or other identity document (it must contain information about registration);
certificate of income for the last 3, 6 or 12 months or in the form of 2-NDFL;
a certified copy of a work book or employment contract as proof of your employment;
SNILS or TIN;
for men - a military ID;
for pensioners - a pension certificate.

It is important to remember that the presence of registration (temporary or permanent, in the region of the bank's presence or on the territory Russian Federation) is an a prerequisite for a loan. If the passport does not contain a mark about the place of permanent registration, you must submit a document confirming registration at the place of stay (temporary).

Under certain circumstances, the answer to the question "in order to get a cash loan, what documents are needed" is expanded. In particular, if a potential client has not reached the minimum age established by the bank (most often it is 21 years old), he will need to attract a guarantor. Accordingly, in the package required documents a birth certificate will be added (or other document confirming relationship, for example, a certificate of adoption).

You should be prepared for the bank to ask for additional information. For example, a certificate of marriage (in particular, when changing the surname) or the birth of a child.

On the contrary, for some categories of clients, the loan processing procedure is simplified. In particular, for payroll clients, the documents for are noticeably less numerous. All they need is a passport, while credit conditions do not worsen.

In the event that there is a need to attract guarantors or co-borrowers, complete information is also collected about them. In particular, a passport is required, as well as documents confirming employment and financial status.

The requirements for a particular loan product should be clarified directly at the bank itself. Each of them adheres to its own position. For example, when answering the question what documents are needed for a loan at VTB, a copy of the work book or employment contract will be mentioned only if the requested amount exceeds 500 thousand rubles.

We should also mention such a service as. If you find an option to get money for more favorable terms, to conclude a new agreement, the following should be added to the standard set of documents:

valid loan agreement;
certificate of the amount of existing debt.

Consideration of the submitted documents takes a certain period of time. Be attentive to the fulfillment of all the requirements of the bank (check for seals, signatures, certification marks, and so on). If there are any shortcomings, a bank employee has the right not to accept an application for a loan, which will further lengthen the term for resolving the issue.

It always comes with a lot of hassle for the consumer. Whatever the product being designed, you need to submit a lot of papers to it, and often their number in a set reaches ten. This is especially true for lending: when issuing a loan, the bank wants to receive maximum guarantees in the person's solvency. The best way to establish yourself is to provide documentary evidence. In this article we will try to figure out what documents are needed to obtain a loan.

Basic set of documents for obtaining a loan

What documents are needed to apply for a consumer loan depends on the type of loan. Obviously, when refinancing, the bank will request a larger set of securities than when receiving a simple consumer credit to an individual. The category of the borrower plays an important role. Thus, banking organizations actively encourage their salary clients: they issue loans according to a simplified procedure and with a minimum number of certificates.

Nevertheless, there are mandatory documents - each consumer presents them:

Passport of a citizen of the Russian Federation. It must be genuine and owned by the borrower. The clause on permanent / temporary registration in the area where the loan is issued is optional - it depends on the type of loan and the specific institution.
Certificate social insurance (SNILS). Since the social security card is issued for every citizen of the Russian Federation, it serves as the second document to confirm the identity.
INN. This is the number that the tax authorities assign to each payer. Presentation of a card or just numbers is necessary legal entitiestaking out a loan for a business.
Employment book or employment contract. IN financial institution a certified copy of one of the documents is submitted. It confirms the employment of the person, his commitment to a permanent place of work.

With a high degree of probability, one or two of the listed documents will be requested from the bank even when applying for a small loan.

Confirmation of solvency

Another category of documents for obtaining a loan is income certificates. On their basis, the bank draws conclusions about the person's solvency, determines the amount of the loan and interest rate... Taking into account the different types of clients' employment, banks offer several alternatives:

... This is the form tax reporting, which most fully reflects the size of the person's financial receipts, as well as the tax paid from them.
Bank form help. It is proposed to issue it to citizens who receive earnings according to the gray scheme. In this, you can indicate the entire amount of income - even that part of it that is hidden from taxation.
Tax return 3-NDFL. Its copy is presented by individual entrepreneurs and individuals in private practice (notaries and lawyers).
Extract from the branch of the PF of Russia and / or other non-state pension fund. Along with a salary, a pension is a source of income and a criterion for a person's financial reliability.
Statement from the card account. This document is relevant only for current clients of the bank who receive salaries on its plastic.

The document on income is the main guarantor of the bank, so refusal to submit it will automatically put an end to cooperation. We also advise you to carefully consider the execution of certificates, including the internal sample: minor inaccuracies can alert the bank, not to mention the dubious content of the documents.

Additional documents for loan processing

As a rule, the most important document for the bank is the 2-NDFL certificate. Her presentation is sufficient to confirm the person's solvency. An additional document is requested from clients who have sources of income other than salaries:

Declaration 3-NDFL. Income in it is recorded not only by individual entrepreneurs, but also by ordinary citizens. We are talking about profit from rent / lease of real estate and transport, income from other civil law contracts.
International passport. Stamps about leaving abroad for the last year indicate a high level of income of a person, financial stability.

The rest of the securities are tied to a specific loan product:

Real estate documents. Includes a certificate of ownership, a shareholding agreement, a cadastral passport and others. Requested by the bank when applying for a mortgage.
Road transport documents. Includes PTS, driver's license, CASCO policy and others. Necessary for a car loan or a loan secured by a car.
Current loan agreement. Requested when refinancing in order to conclude an agreement with a new bank on its basis.

In addition to the above-mentioned papers, clients are often required a marriage or divorce certificate (since spouses are co-borrowers by law), an agreement with an educational institution (with an educational loan), and higher education diplomas (to confirm professional status). It is always worth clarifying the specific set of certificates for obtaining a loan - there are no universal requirements and the same financial institutions.

What documents are needed for a loan at Sberbank

In terms of the volume of loans issued in 2017, it was in the lead by a wide margin. Among the 13.5 trillion loans issued by the institution over the past year, the majority were. It is relatively easy to arrange them. Unlike mortgages, Sberbank asks for the most basic set of securities for consumer loans. It includes:

Loan application;
Passport of a citizen of the Russian Federation with permanent / temporary registration in the area where the loan is issued;
A copy of the employment contract / work book, an extract or certificate in the form of the employer.

The income is offered to be confirmed by any of the available methods:

Declaration of 2-NDFL or 3-NDFL;
Certificate from the Russian Pension Fund and / or NPF.

Having filled out an application on the Sberbank Internet portal, the client must wait for the call from the operator. The latter will name the exact list of documents that should be brought to the bank. You can start applying for a loan from the Sberbank branch, but then you should take with you a basic set of papers - a passport, 2-NDFL and a copy of the work book. They certainly won't be superfluous.

10:13 22.10.2019 documents questions-answers

What documents are needed for lending? Having made a decision to apply for a loan at a bank, visit a lending consultant of the bank of your choice, receive a list of documents required for processing a loan, and sample applications and questionnaires.

Each commercial bank has its own regulations (instructions) on the procedure for issuing loans to individuals. In these provisions (instructions), banks prescribe all the conditions for applying for a loan and a list of documents for lending that a potential client must provide to consider an application for a loan. As a rule, each type of loan has its own documents. And, as a rule, each bank has its own requirements for a loan and a package of documents. The list of documents for a loan provided to different banks may vary significantly.

I will give an approximate list of documents required for obtaining a loan by an individual:

Application for a loan (similar to a bank).

Borrower questionnaire (based on the sample of the bank)

Original and copy of a civil passport.

Size Reference wages from the place of work (similar to the bank). The period for which a salary certificate is required is set independently in each bank and, as a rule, varies from 3 months to 2 years (depending on the type of loan).

A copy of the work book, certified at the place of work or a certificate from the last place of work about the length of service at this enterprise.

A copy of the military ID to determine the possibility of conscription (for young people and as a second document)

The original and a copy of the driver's license (as a second identity document) - not all banks require.

Pension certificate (for lending to pensioners)

Specialist training agreement (for an educational loan)

Documents confirming the ownership of property, if it acts as security for a loan (lists of documents are in separate articles on pledges).

I repeat once again that the above list of documents required for obtaining a loan may decrease or increase depending on the type of loan and the requirements of a particular bank, but the documents for items 1-3 are drawn up and submitted always. A loan without documents is not issued. In a number of banks, such as Rosbank and Russian Standard, there are types of loans with a minimum of documents or loans with the presentation of two documents (passport and military ID, passport and driver's license, passport and pension certificate ...), and the questionnaire and application are filled out when applying for a loan ... Loans without additional documents, as a rule, are issued when purchasing goods and applying for a loan through bank offices in stores.
In addition, if a loan requires a surety individuals, then for each guarantor a guarantor questionnaire is filled in, as well as documents of points 3-5 are provided for a loan.

If the bank accepts the total family income for calculating the loan amount, then the list of documents for the loan under items 2-5 is submitted by all adult (working) family members.

A complete package of documents for obtaining a loan.

Despite general principles loan processing, commercial banks and microfinance organizations establish their own rules for lending to clients and present their own, different from others, requirements for the package of documents required for the issuance of credit funds. Moreover, the number required documents directly depends on the chosen loan program.

The most loyal lenders specializing in quick loans usually require any two documents, usually a passport and a military ID or a passport with a driver's license. Lending on the basis of two documents is especially widespread when purchasing goods on credit in retail and retail chains, supermarkets and hypermarkets of household appliances.

List of documents required for the classic loan processing on standard terms.

Written application for obtaining loan funds;
Client questionnaires;
Original and photocopies of the passport;
Photocopies of a work book or a certified certificate from the personnel department about seniority at the last workplace;
Information on the amount of official salary for the period required by the creditor;
Photocopies of a military ID or driver's license upon presentation of the originals of these documents to the bank;
When participating in lending programs for retirees - a pension certificate;
Upon registration and receipt - documents of title to this property.

Documents for a mortgage loan.

Bankers require documents from their potential clients in order to ascertain the reliability and sufficient solvency of the borrower.

The package of documents that must be collected for registration of a mortgage in different banks may differ slightly, moreover, it may differ significantly for employees and for entrepreneurs - business owners. In the vast majority of cases, the borrower is required to:

Passport and photocopies of all its pages. The bank's security service must have reliable information about the borrower and at the same time be able to check all the ins and outs of the client at any time in case of any doubts about his reliability, or find him if he will evade payment of the resulting debt;
Certificate from the main place of work of the borrower in the form 2-NDFL;
Photocopies of the pages of the work book certified by the employer. Usually this is the seal of the HR department of the enterprise with the signature of the responsible employee on each page;
Marriage certificate for couples and divorce certificate for divorced citizens;
Birth certificates of children who are not yet 18 years old at the time of the loan agreement;
A certificate from a doctor from a psycho-neurological dispensary or a driver's license;
As additional requirements, certificates of the presence of delays and debts from other banks, in which the client has already drawn up loans, receipts for payment for utility services, documents on education, etc. may be required.

The package of necessary documents largely depends on the assessed value and ownership of the mortgage collateral - that is, whether it will be land plot, a private house, an entire apartment, or just one room. At the same time, an important role is played by the history of the pledged property, how it got to the client - by inheritance, by an agreement of transfer, exchange or donation.

Car loan documents.

Since car loans are considered the most common form of purchasing vehicles, the question of how to quickly and correctly collect a complete package of documents is the most common among all those related to collection necessary documentation for a loan.

The documents that need to be provided to managers at the bank can practically be divided into a main and an additional package.

The main package of documents:

A written application for a loan, usually on the letterhead of the lending bank;
Of course, a passport and copies of all pages;
Family composition certificate;
Certificates of salary or other income for the period specified in the agreement with the bank;
Vehicle documents and sales contract;
Documents on the assessed value of the vehicle;
An agreement with an insurance company for CASCO and OSAGO registration.

Most credit and financial organizations, in order to obtain comprehensive information about the client, and sometimes to improve lending conditions, also recommend providing them with an additional package of documents.

Additional documents:

Certificate of salary or other types of income of all family members of the borrower;
Documents of citizens acting as guarantors in car loans;
Copy and original of the borrower's driving documents;
A photocopy of the work book;
Documents proving the client's marital status;
Military ID;
Diplomas, educational documents.

Additional documents are needed in order to use the scoring program to assess and characterize the non-financial side of the borrower's life, and, accordingly, to correctly calculate the risks of non-repayment of loan payments in the future.

Do not forget that banks that provide loans mainly work only with specific insurance companies accredited by them, which allows you to additionally check the reliability and solvency of the client by the insurance company, which has its own mechanisms for checking the reliability of clients.

In addition to obtaining a car loan from a bank, there is another, simpler and much more convenient way - obtaining a loan directly at a car dealership or from an authorized dealer.

Documents for obtaining a loan in a car dealership:

Statement;
Customer profile;
Russian passport;
Driver's license.

Even with the naked eye, you can see a significant difference between the package of documents required for submission to a bank or a car dealership. In car dealerships, they are more loyal to citizens who cannot or do not want to provide official data on their income to outsiders.

Documents for a consumer loan at Sberbank.

Many ordinary people prefer to have their financial affairs and especially credit obligations only with Sberbank of the Russian Federation. To get a consumer loan from Sberbank, the borrower is required to:

Application and questionnaire of the established form;
Passport of a citizen of the Russian Federation;
TIN of an individual;
Certificate of the position held, as well as the length of service at the last workplace;
Certificate of salary, pension or other types of income;
Labor book or certified copy;
A marriage / divorce certificate describing the client's current marital status.

Documents for obtaining an express loan.

Express loan means maximum short time the issuance of a loan, respectively, the lender will simply be unable to verify the reliability of all the client's documents in such an urgent manner. Therefore, the borrower is checked using only two documents - a passport with local registration and any second generally accepted document, which can be an original pension certificate, any driver's license or even a military ID.

All other information - about the amount of income, job availability, marital status of the client, the lender will find out on the basis of personal data, which can be checked after the issuance of an express loan.

Credit card documents.

Cashless payment methods for goods and wide financial opportunities credit cards cause a high degree of demand for credit cards among the population.

To get a credit card, it is enough to be over 21 years old and provide the bank with a minimum package of documents:

Written application for registration credit card and opening a card account;
Color photo;
Passport;
Certificate of income - salary, pensions, social benefits.

The procedure for issuing a credit card for entrepreneurs is somewhat different from issuing credit cards to hired workers - they also need to provide documents that confirm the legality of their business activities. At the same time, even a relatively small amount of the credit limit is issued only to those who have been successfully working for more than a year and are able to cope with all their financial obligations.

Please note that if a person, even with a high level of income and correctly executed documents, has debts on existing loans or there is a corresponding entry in credit history about such cases in the recent past, banks may refuse to provide a credit card, or restrict credit limit to a minimum.

What documents are needed today to obtain a loan from Sberbank: see complete list certificates that must be submitted to the bank.

The list of documents required for potential borrowers to obtain consumer loans at Sberbank is different for each type of loan and varies depending on the category of the client.

A pensioner who receives a pension on a Sberbank card or salary clients needs fewer documents to obtain a loan. And the list of mandatory documents required for obtaining a loan from Sberbank by an individual "off the street" will be much larger. Documents on a special list will need to be collected by an individual entrepreneur or a person conducting private practice.

The list of documents for obtaining a loan from Sberbank will also change depending on the type of loan: consumer or mortgage, with or without guarantors, as well as depending on the type of collateral: residential premises, land, etc.

What documents are needed to apply for a loan at Sberbank

See what documents are needed to obtain a consumer loan at Sberbank by individuals.

Documents for a loan in Sberbank without collateral

A loan without collateral and guarantors in Sberbank can now be obtained by individuals from 18 to 70 years old. To consider a loan application, you need to collect the following package of documents:

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If you receive a salary or pension on a Sberbank card, then bring only your passport.
When applying for a loan to Sberbank Online documents not needed - just fill out an electronic form!

Sberbank loan documents against surety

A loan secured by Sberbank today can be obtained by individuals from 18 to 20 or from 60 to 80 years old. To consider a loan application, you must collect the following package of mandatory documents:

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If your passport contains not a permanent, but a temporary "registration", then you will additionally have to provide a document confirming registration at the place of stay.

Sberbank loan documents secured by real estate

A loan secured by real estate in Sberbank can be obtained by individuals from 21 to 75 years old. To consider a loan application, you must provide the following documents:

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After approval of the loan application (within 90 calendar days from the date of the decision by Sberbank to issue a loan), it is necessary to submit documents on the collateral provided.

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The document that is the basis for the emergence of the mortgagor's ownership of the premises;

A report on the assessment of the cost of the premises;

Extract from the Unified State Register of Real Estate (USRN);

Notarized consent of the spouse (s) to transfer the premises as collateral;

A notarized statement of the pledger that at the time of acquiring the property right he was not married (or a statement of the pledger about this drawn up in the presence of a Sberbank employee);

Permission of the guardianship and trusteeship authorities in accordance with the requirements of the current legislation;

Marriage contract;

A certificate from the housing maintenance authority about the absence of registered tenants in the room or an extract from the house book containing information about the presence / absence of registered tenants;

Documents for the land plot on which the premises are located.

Some documents from this list may not be required in your particular case, so the details should be checked with the employees of Sberbank.

What documents can be used to confirm the financial condition and employment

✓ Documents confirming financial condition borrower for a loan from Sberbank may be:

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Certificate from the main place of work for the last 6 months on the 2-NDFL form or a certificate on the model of a state institution, if 2-NDFL certificates are not issued;

Certificate of income in the form of Sberbank;

A certificate of the amount of pension from the branch of the Pension Fund of the Russian Federation or another state body paying the pension;

Tax return for the last tax period;

Lease or lease agreement for premises, concluded for a period until the end of which there are at least 12 months left + copy tax return for personal income tax (form 3-NDFL) with the original mark tax authority about acceptance.