What documents do I need to prepare when applying for a short-term loan?

If you are applying for a short-term loan, the main document that you need to use is your identity card, which is the basis for confirming your identity. It will be properly checked by the consultant when submitting the application. In order to confirm your individual financial situation, you must provide other documents - they must confirm how much you earn per month. It can be:a certificate of income from the employer,
a certificate from the place of work,
a pension or work pension,
confirmation of filing a personal income tax return for the last tax year,
an account statement for the last few months,
confirmation of the conclusion of contracts-orders or contracts for specific work.
If you intend to apply for a short-term loan from a bank where you already have a personal account, you will need a minimum of documents to formalize such an obligation. The lender can then check the money transfers in your account to see if you can afford this obligation and what fixed expenses you pay each month.How do I get a short-term loan?
First of all, when taking out a short-term loan, you must find an offer that interests you, which will have an appropriate repayment period, the amount of the obligation and the minimum possible costs. When choosing an offer, consider not only the interest rate, but also the amount of the commission for joining the commitment or other costs, including those related to the use of related offers, for example, from the client's personal bank account.Once you have found the offer you want, look at how to complete the loan process and get the desired short-term loan amount. There are several basic steps that you need to follow:Apply for a loan. This usually needs to be done using a bank form. Currently, many banks have introduced the ability to apply for a loan online from the comfort of your home, which simplifies this formality and makes the first step towards obtaining a short-term commitment easy.
Attach the documents required by the bank to the application. These are usually certificates confirming the amount of monthly income. You may need a certificate from your employer or other similar documents.
Confirm your identity. If you are submitting an online application, you may need to make a transfer to the bank in the symbolic amount of 1 ruble from an account registered with your data. Such verification is also carried out by non-banking companies to verify whether the person indicated in the application for a loan or a short-term loan is really who he claims to be.
Give your consent to the processing of personal data in the application for a short-term loan, including the control of your data in the databases of the credit information bureau.
Wait for the bank to carry out the verification process, during which your BIC history will be checked and your individual financial capacity calculated.
Get a loan solution. If it is positive, the bank will offer you to conclude a remote agreement or sign it at the branch.
If you have any doubts, read the contract and sign or accept it in an accessible form.
Wait for the money to be paid out in the form of funds credited to the account or transferred, for example, as part of a car loan for the seller of the vehicle.
In the end, you have no choice but to repay the principal and interest on the short-term loan in accordance with the schedule attached to the contract. https://zarasuose.lt/psichologija-uz-cs2-skins-kodel-zaidejai-nuolat-atidarineja-dezes-ir-kaip-laimeti-daugiau