How to get a loan at VTB 24 without certificates and guarantors

Often the consumer is faced with the question of where to get a loan on the most favorable terms. Many lenders require the loan to be secured by a third-party guarantee or by the provision of collateral. VTB 24 offers loan products for large amounts without collateral. In addition, a certain category of citizens may receive a loan without documentary evidence of income. Let's take a closer look at VTB 24 loan products, their distinctive features

Loan programs without certificates and guarantors at VTB 24

VTB 24 offers several unsecured lending programs to a potential borrower.

Credit "Convenient"

The loan is issued for amounts from 100 thousand to 400 thousand rubles. The client does not need to provide collateral or involve co-borrowers under a loan agreement. The client spends the money at his own discretion. You do not need to document the intended use of the loan.

The annual percentage ranges from 16% to 22%. The rate is selected individually, taking into account the total solvency of the borrower and his credit history.

Borrowed funds are issued for a period of six months to 5 years. To calculate the acceptable payment and loan term, customers can use the loan calculator on the official website of the bank.

Loan "Large"

Consumers can get a loan at VTB 24 for a substantial amount without providing collateral and guarantors. Credit limit - from 400 thousand to 5 million rubles. Few financial institutions can boast of such programs without collateral.

The rate on the product is 15-15.5% per annum. You can take a loan for a period of 6 to 60 months.

Loan "Mortgage bonus"

The program involves the issuance of a loan to customers who repay a housing loan without violations in any banking organization. The loan has a fixed rate, the annual interest is 13.5%. The limit of borrowed funds is from 400 thousand to 5 million rubles. Special conditions are provided to customers who have issued a Mortgage for the Military loan at VTB 24. You can take a loan from 100 thousand to 3 million rubles for a long period of up to 7 years.

Having received a loan under this offer, users have access to cash for traveling, purchasing goods and household appliances, or for any other purpose. Mortgage borrowers thus get the opportunity to get a new loan at an attractive rate.

How to apply for and receive an unsecured loan at VTB 24

If the client has decided on a suitable loan product, then you need to collect the necessary documents and submit an application. Current lending conditions can be clarified on the website, or by calling the contact center.

Requirements for a potential borrower

First of all, the client must have Russian citizenship, as well as permanent registration in the area where VTB 24 offices are present.

The lender has set age limits for borrowers. The client must be at least 21 years old and not older than 70 years at the end of the loan agreement.

Applicants under the Mortgage Bonus program must have a valid housing loan with no delinquencies.

List of required documents

A potential client needs to prepare the following documents to apply for a loan.

• Russian passport;
• certificate confirming the level of income for the last 6 months (2-personal income tax or in the form of a bank to choose from);
• SNILS;
• for amounts over 500 thousand rubles, a certified copy of the work book is required.

Clients who receive wages to the account of VTB 24 bank submit only a passport and SNILS to apply for a loan. The bank database reflects all transfers from the employer, so payroll clients do not need to confirm their income.

How to Apply

Clients can leave a request for a cash loan in several ways.

1. To save time on the initial visit to the lender, citizens can submit an application online. An electronic application form is filled out on the official website. The applicant indicates personal information, mobile phone number, email address, monthly income. Next, the client puts a mark on whether he is a participant in the salary project. After processing the information and making a preliminary decision, the bank operator contacts the client using the specified contacts.
   It is important to keep in mind that filling out an online application does not save the borrower from visiting a bank branch. This is just a measure on the part of the lender to simplify the application process, and reduce the time spent by clients.
2. You can submit a request by calling the free hotline number 8 800 100 24 24. The call center operator will fill out the questionnaire according to the applicant and inform you about further actions.

The VTB 24 website has a round-the-clock chat with a bank specialist. Questions can be clarified by e-mail.

• The traditional way to submit a request is to visit the nearest VTB 24 branch. A loan officer will help you complete an application for a loan and tell you about current offers.

VTB 24 does not delay the decision to issue a loan. The preliminary decision is based on information from the credit bureaus, and the information provided by the client himself. If the client, after prior approval, cannot submit all the required documents, then the loan will be denied.

Payroll clients can learn about the solution at their request directly at the bank office.

Advantages and disadvantages of an online application to VTB 24

The ability to submit an online request has a number of advantages.

First of all, the user saves personal time. You won’t have to stand in traffic jams on your long-awaited day off, and spend a certain time waiting for your turn. Residents of small settlements do not need to bear the cost of travel to the nearest VTB 24 office.

Secondly, while filling out an online application on the bank's website, you can immediately clarify the required package of documents, calculate the amount of the future payment. Interactive customer support via chat allows consumers to get answers and explanations to their questions.

Remote filing of the request also has some disadvantages. The bank approves the application in advance, in any case, the borrower must personally contact the loan manager. The final decision may differ from the preliminary verdict. The size of the desired loan can be reduced, and in some cases, users will be refused.

To obtain additional privileges for payroll clients, the user can independently decide on the transfer of salary receipts to an account in VTB 24.

So, VTB 24 offers potential customers attractive loan products without collateral and guarantors. Participants of the salary project do not need to document their income. The package of necessary documentation for filing an application is standard, its collection does not cause difficulties for borrowers.