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Questions

Can I get a loan if my official salary does not cover the monthly loan tranche?  
Updated 7 December 2018 г. 14:49
In case of income insufficiency, the bank may consider the income of the co-borrowers.
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Can I get a loan without collateral or without prepayment?
Updated 11 September 2019 г. 15:30
Yes we can, from certificate of insurance only on household loan
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Do you extend preferential loans?
Updated 7 December 2018 г. 17:12
No
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Does your bank extend student loans, loans for purchase of appliances, cars and housing?
Updated 11 September 2019 г. 09:50
Yes, it does. Dear client, for full information I can connect you to the nearest branch.
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I am a housewife, student, unemployed, can I get a loan?
Updated 7 December 2018 г. 17:12
No, you cannot
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I am a pensioner, can I get a loan?
Updated 7 December 2018 г. 17:13
Yes, our bank extends loans to pensioners.
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I am not employed officially, can I get a loan?  
Updated 7 December 2018 г. 17:13
No, to get a loan you need to hold a permanent position.
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What is provided for in case of delay payment?
Updated 7 December 2018 г. 17:12
Interest increase
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Which documents shall I submit to obtain a loan?
Updated 11 September 2019 г. 09:48
List of documents:
v Passport of borrower;
v Original of documents confirming source of income of the Borrower for the last 12 months indicating: the duration of employment (from which date he/she works, and from which date he/she occupies the current position - specify the position)
  • TIN (Taxpayer Identification Number) of the Client
  • INPS (individual accumulation pension account) of the Client
  • MFO of the bank where INPS is opened
  • TIN (Taxpayer Identification Number) of employer
v Residence certificate (makhalla), certificate on family members v Assessment of real property v Cadastre + Guvohnoma for property When required and depending on loan purpose, the bank may request to submit additional documents (assessment of collateral, copy of technical passport, copy of cadastral documents)
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Why the interest is so high?
Updated 7 December 2018 г. 14:49
It corresponds to bank's business-plan
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