But this is not always possible. For this reason, there are ways to accomplish these without sacrificing our wishes and needs, but without putting ourselves into the difficulties we cannot overcome.
Competition in the banking sector and the financial sector, which gained momentum instead of waiting for a long time and suffering to meet our needs, respond to the use of people with many loan types. Banks offer loans to the sector in time according to need. If you need one of the above loan types, apply for credit accordingly. It can be made.
During the loan application
One of the most important points to be known about the subject is undoubtedly to apply for a loan that will fully meet the need. For this, more than one bank loan offers should be examined during the loan application and you should be able to find the most suitable loan application. When it is decided to work with which bank to apply for credit, all that remains is to fulfill the necessary conditions to get credit from the bank.
For example, you want to apply for a loan, the steps you need to follow will be as follows.
First, there will be conditions to be compared when examining banks’ general purpose loans. These will determine the bank you prefer as a result of your comparison of interest rates, file costs, commission amount, insurance terms. Banks have forms and calculators to help you make loan inquiries and calculations for the loan application that suits your needs and requirements. At this loan application stage, banks have internet addresses to easily compare their offers. Thanks to these, you can perform your comparisons more visibly without distraction.
After clarifying the bank you will work with on the consumer loan application, the bank will request documents for the loan. These documents are for general purpose loan;
Photocopy of the identity card belonging to the person who wants to get the loan
Copy of income document
If the person who wants to take the loan works with wages, the salary letter with the payroll of the last salary or the signature circular from the authorized persons in the workplace where he/she works
If he is a self-employed person, a photocopy of the tax certificate of his workplace
If the person who will apply for a loan is retired, the salary card
If the person applying for a loan has rental income, a photocopy of the title deed or lease contract
Residence paper, electricity, water, natural gas, telephone, etc. taken in the last 3 months. Originals of invoices that require a subscription condition are required. However, some banks may request additional documents from the person applying for general purpose loans during the loan application phase. These banks may differ completely among themselves, but these documents are generally required.
In order for the loan to be approved and the loan can be obtained
the application documents of the person who will vouch for the borrower are also required. In order not to put yourself and the person who guarantees you in a difficult situation, you should consider your forward-looking payment plans.
Another of the important tips you will be given credit for the loan application When you are in need of idea to review your application if the first note of the risk report, to know what your credit rating will allow you to have a prediction about your credit. According to your risk report and credit rating, you can prepare the ones you need more accurately during the application phase.