Credits on Kreditos

Guarantors are necessary always?

Giving out no-purpose credits money, banks more often they demand from borrowers to find guarantors. But instead some of them borrow money on the security of property of clients.

“Pledge of property is more preferable than the guarantee to bank”, - the chief of department of marketing and working out of credit products Vneshtorgbanka Maria Serova speaks. As she said, to bank to sell pledge easier, than to have legal proceedings with borrower and guarantors who do not pay off under the credit. Mortgaging credits like those borrowers that allow to receive on credit the large sum cash. If the maximum sum беззалогового in the majority of banks does not exceed the credit $25 000 on the security of property banks borrow both $40 000 (Внешторгбанк), and $250 000 (Odds-bank). And some banks, for example the Savings Bank and РосЕвроБанк, at all do not limit the possible size of the credit. In any case the bank establishes the sum of the credit for each client individually depending on solvency of the borrower and pledge cost. Thus for the majority of banks important that the borrower had monthly earnings that is why they demand from clients of the inquiry on incomes (the form 2-NDFL). Without it do not finance, in particular, Внешторгбанк, “УралСиб”, Экспобанк, РосЕвроБанк. Thus to bank cost of property which the borrower is ready to pawn is not important. If its salary suffices on credit payment, say, in $50 000 it is more than money will not receive, even if will put in pawn a country house in cost $500 000. But in some banks the mortgaging credit can be received and not having the big official salary. According to the chief of credit department Alexey Fedulov's Odds-bank, almost in 80 % of cases the bank gives out credits to clients without the white salary. The bank analyzes level of incomes of the client, considering its place of work, a post, other incomes, Fedulov explains. And here the Savings Bank and “Veb-invest Bank” at all do not demand any acknowledgement of the income of the clients. The main thing that there was a property which can be put in pawn.