The certificate should be prepared in the form 2-NDFL. If this is not possible (for example, if the official income is small), you can request a special form from the bank and ask the employer to fill it out.
The employment must be official. To confirm this, a copy of the work book will be required.
The credit client must:
have a stable and sufficiently high income;
be responsible;
be able to plan expenses.
It is believed that young people who are just starting to work do shandong mobile number database not have the right qualities, experience and skills. There are exceptions to this rule, but each application takes time to review. In order not to overload the credit department, the lower age limit is often moved to 21-23. At this age, borrowers are more likely to receive approval.
Requirements for a borrower in Bank Sinara
At Bank Sinara you cantake out a loanfrom 23 years old. Other requirements:
at least three months of experience at the current place of work;
Russian citizenship;
registration in one of the subjects of the Russian Federation receiving credit.
If you need a small amount, consider "Fast loan", within which you can receive up to 300,000 ₽ without a certificate of income. Connect the "Manage easily" option for more favorable conditions and flexible management:
rate from 11.9% per annum for the entire term;
the ability to skip payments and change the payment date.
If you are planning to take out a large loan, we offer the program "Credit 0%" Its conditions:
amount - up to 3 million ₽;
rate - from 0%;
term - up to 5 years.
This program requires proof of income. The 0% rate is available to clients who have connected the "Manage easily" package. You must fulfill the program conditions: do not use early repayment, make payments on time and actively use the debit card. The reduced rate is only valid for loans issued for a period of 4 years or more.
If you need advice, please contact us by phone 8 800 1000 600.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.