Which banks give a loan without 2 Personal Income Tax? Documents and procedure description

To date, consumer credit is a common and affordable banking product, which can be issued by every working citizen. And not every bank needs to collect many documents. It is enough to have one passport and a second document. What banks give a loan without 2 personal income tax will be described in the article.

Principles of lending

Many banks attract customers by issuing loans, which do not need to confirm their income. You can receive the money on the same day. This requires a passport and a statement. You need an excellent credit history and information about the employer.

Such loans are beneficial for banks. Many borrowers are looking for where to get funds for a short period. Many are attracted by the rapid design. With the help of such services, banks increase the turnover of money, as well as profit. The second reason is an increased rate than the lender covers the risks.

Credit cards are often given to regular customers who have already made out a loan at least once, and also successfully paid it. Such borrowers are offered favorable conditions. Usually they need to activate the card, after which you can use it for purchases and withdrawals.

Requirements

A credit history is necessarily checked if a loan is issued without a certificate 2 Personal Income Tax. What banks give it? Many financial institutions of our country draw up such services. A positive credit history is important. But its absence can also affect the decision to obtain a loan.

Be sure to have a passport, registration in the country. Age of the client is also important, usually approve applications from 18 or 21 years. As an additional document, you may need an INN, SNILS, a foreign passport.

The borrower must have a job. This is confirmed by the contacts of the employer. Often you need to provide a fixed phone number. It is important to fill out the form correctly. The application can be submitted on the site. In case of a positive decision, the employee will invite the bank to sign the contract.

Which banks give credit without a certificate 2 Personal income tax? The full review will be presented later. The borrower should familiarize himself with several proposals in order to choose the appropriate one.

Filing an application

To register a loan, you can not visit the office of the institution. It is enough to visit his site, fill out an application there and expect a solution. If it is positive, you can go to contract. On sites usually there are credit calculators with which help it is possible to calculate the sums of monthly payments, the sizes of overpayments.

The application specifies personal data, information about the employer and contacts. Also the necessary amount, term is chosen. Documents should be provided at the time of signing the contract.

Sovcombank

If you are interested in what banks give loans without 2 personal income tax, you should visit the websites of several institutions in the country. One of them is Sovcombank, which offers consumer loans for various purposes. At the same time, it is required to provide a passport and a second document to choose from - SNILS, TIN, passport or driver's license.

The borrower does not need to confirm income, but it is necessary to indicate the employer's contacts. "Sovkombank" offers to make loans to pensioners, because for them there is a special program for which it is necessary to provide a pension certificate.

Sovcombank offers the following programs:

• "Express credit" - up to 40000 rubles;
• "SuperPlus" - up to 600 000 rubles;
• "Pension Plus";
• "Credit 12% Plus" - 100 000 rubles.

This is only part of the proposals, other programs can be found on the official website. In the same place it will turn out to fill in the questionnaire, and also to wait for the preliminary decision. The rate is determined by the targeted use of the loan, for example, if 80% of the funds are spent for a certain purpose, the rate will be in the range of 12-19.9%, otherwise it will be set at 10%. Insurance for a percentage is not affected. In Sovcombank, the maximum age at maturity can be 85 years.

"Renaissance Credit Bank"

What banks give a loan without 2 personal income tax on a passport? Loans are issued in the "Renaissance Credit Bank." The condition is the presence of registration. The rate is 15.9-29.1%, and the amount is up to 500 thousand rubles for audited customers, the rest is given only up to 150 thousand rubles. To obtain favorable conditions, you need a certificate of income.

The application is completed on the site, and the decision on it is provided almost instantly. If it is positive, then you need to visit the office with the documents. Cash is issued at the cashier or is transferred to the card. The institution offers several programs, so all customers will find something suitable for themselves.

"Tinkoff"

Which banks give a loan without 2 personal income tax with a large amount? This is "Tinkoff". The maximum amount is 500 000 rubles. How to take a loan without reference 2 Personal income tax? It is necessary to fill out an application on the website, indicating personal information. If the decision is positive, then the courier will deliver the card the next day.

For registration of the contract you need a passport. You can withdraw cash from the ATM. The rate is 19.9-54.9% + 5% for life and health insurance. The bank also offers consumer loans, which have similar conditions.

"City Bank"

Which bank will give a loan without 2 personal income tax for any purpose? In "City Bank" are issued consumer loans of up to 2 million rubles. The borrower must have with him only a passport and a second document, which serves as a confirmation of the solvency. It may not be a certificate of income, but a passport or paper on the car.

The client of the bank can be a Russian citizen from 25 years old who has a permanent registration in the country. And the income should be from 30 thousand rubles a month. There is an opportunity of registration of the application on the site. Bets are appointed individually - 15-25%.

"UniCredit Bank"

What other banks give a loan in cash without a certificate 2 Personal income tax? "UniCredit Bank" requires the borrower to confirm the income in the form of paper on the car or passport. From the requirements citizenship is granted, the age is from 21 years, employment and experience from 3 months. The minimum wage is 30,000 rubles for Moscow and 20,000 for regions.

The maximum loan size is set individually, but it can not be more than 1 million rubles. The contract is concluded for 2-7 years. The percentage of misuse is determined by the circumstances, but the minimum indicator can only be for wage customers, if they have issued insurance. Overpayment is 16.9-23.9%.

Moscow credit bank

Loans are issued for different purposes, and for this purpose it is not required to provide a certificate. You must submit your passport and application. An additional document is SNILS and TIN.

When the contract is drawn up, it is issued within the limits of 50,000-2,000,000 rubles at a rate of 15%. The maximum period is 180 months. You can choose a currency - dollars or rubles. Offer the design of cards and other banks of the country. You can get acquainted with their suggestions on the site or in the office.

Advantages and disadvantages

To issue a loan without certificates of income is not a problem. Such a service will allow not to engage in lengthy collection of documents, you only need to leave a few applications and you can wait for an answer. This is the most important plus in this kind of lending.

Of the shortcomings are allocated a large bet. If you require a large amount, it is better to collect documents, because then you can find a proposal with a low percentage. For new customers, the bank does not risk issuing large amounts without information.

The downside is the low probability of approval of the application. Lenders are checking all customers. Even solvent ones can be refused for some other reason. Therefore, to make such loans or not, everyone decides on their own. The main thing is that they are received on acceptable terms.