bank loan


First, you need to decide on the purpose of lending. A mortgage or a car loan is more suitable for purchasing real estate, it is more convenient to make small daily purchases “before the paycheck” with a credit card. The rest of the goals will help realize the loan in cash.

Secondly, it is important to comply with the requirements of the bank. For different financial institutions, they can vary significantly. As a rule, restrictions relate to the age of the borrower, work experience, and the presence of permanent registration. You can get acquainted with the terms of lending on the official websites of banks, there is also a list of documents required to obtain a loan.

Banks always offer more favorable conditions for salaried or regular customers . You can get a loan for a longer period, thereby reducing the amount of the monthly payment, or get funds at a reduced interest rate. The package of necessary documents for reliable borrowers is usually smaller: for example, to get up to 250,000 rubles at Alfa-Bank, a passport is enough.

Choose how you want to apply: you can fill out an online form or sign papers at the branch. This will take no more than 5 minutes. If you have already used the services of the bank, most of the data is filled in automatically.

The review takes 2 minutes. To get acquainted with the individual conditions and sign the contract, it is not necessary to visit the office. A bank employee will bring all the papers and a card with money at a convenient time and place.

If you are already a client of Alfa-Bank, you can get a loan in two clicks. Check your personal account: perhaps there is already an offer for a cash loan. Select the appropriate options - amount and term. The money will be credited to your account instantly.

It is important to monitor the status of your loans and repay your debts on time. All information about applications submitted to banks and loans issued is recorded in a personal file at the National Bureau of Credit Histories. The system constantly evaluates the financial condition of the borrower. The assigned rating affects the conditions for issuing future loans.

Benefits of lending at Alfa-Bank

Citizens of the Russian Federation over 21 years old with permanent registration and a source of income can apply for a cash loan at Alfa-Bank . Minimum work experience requirements: total more than 1 year and at least three months at the last place of employment. Money is credited to the account immediately after the approval of the questionnaire. Dispose of them as you wish: pay by card or withdraw cash.

The bank offers transparent and  favorable lending conditions :

Interest rate from 4% per annum; 

Comfortable payment size — loan term from 1 to 5 years;

Solution for any purpose — amount from 100,000 to 7.5 million ₽;

The first payment in 45 days - the delay allows you to deposit money on time;

Everything can be done remotely — submit an application, receive money and pay off the debt;

Account replenishment free of charge: online using the application and Internet banking or in cash through ATMs of the bank and partners;

Flexible schedule - repay the loan earlier in full or in part. It is enough to apply for recalculation of payment;

The ability to connect protection against unforeseen situations.