Getting a bank loan these days is much easier than ever. To do this, as a rule, it is enough to fill in the online application and in a few minutes (maximum 2 hours) the customer is contacted by a representative of the financial institution with detailed explanations.
In the application it is necessary to fill in all the lines. They are few: name, phone number (mobile), identification number, date of birth, loan amount, which you plan to receive. Also in the application there may be questions regarding your job and the purpose of the loan.
Usually, the bank will not check for what purposes you are spending your loan, if it is not a car loan. As a rule, financial institutions do not issue loans for treatment, on-lending and opening of business. However, without any problems, they issue money for the purchase of furniture and equipment. If you answer in the employment column, temporarily out of work or on maternity leave, you should not expect to receive a loan. If you have already applied to a particular bank and received a refusal, it makes no sense to apply to the same organization within the next six months. It is also not recommended to apply several applications in a row to the same institution. The bank will only accept one application, the rest will be ignored.
Credit in Ukraine
Remember that you should specify the correct phone number. If a bank specialist can not contact you by calling 3-4 times, then the application is considered invalid and it is possible to file a new one only after six months.
After you have correctly filled in the online form, a representative of the bank is contacting you to specify the details, for example, to which branch of the bank you can approach to receive cash or non-cash funds (on the card). Keep in mind that banks on weekends do not work. Therefore, if you filled out the application on a weekend, then wait for the call of a specialist only on Monday.
To get a loan, most often, three documents are sufficient: Ukrainian passport, TIN, income statement. If you want to get a small loan on credit, the certificate may not be needed.
After you have received the money or a card in the bank, you must necessarily take the original loan agreement. If you are given a credit on a card, you should also remember to take a sealed envelope containing the pin code for the card. Please note that it must be free from damage. In many banks you can use the service of changing the pin-code on the spot during the receipt of the card and its first use. A specialist will advise you on how to do this. On the map it is necessary to put the signature in the right place.
On the spot with the specialist, specify the information about the terms and conditions of the loan repayment. Do not discard the receipts left after repaying the loan. They are recommended to be stored for at least three years.