If you are applying for a loan, you have to prove your identity corresponding document, most often it is an identity card (passport). Другие документы, that may be needed to analyze your credit, It depends on the source of the revenue.
Document requirements are slightly different depending on the bank / credit card company, and from the bag you want to get. В случае получения микрокредита от вас потребуется минимальный пакет документов, otherwise things of worth over 16 000 UAH. But I just want to prepare you for the worst! Ниже приведен список документов, that the bank may require to confirm your income.
Если вы работаете на основании трудового договора, the bank will ask you to:
- a certificate of employment and earnings statement (original);
- previous employment contract;
- tax return (translated into Ukrainian if you are working abroad in an EU country).
If you are working under a contract, perform a specific task,the bank will ask you to:
- the annual tax return for the previous year;
- the contract / order, confirming the receipt of income and the amount in the past 12 months;
- a certificate of employment and income for the period 12 months or a bill or invoice, confirming receipt of income for the last 12 months
If you have a business bank will ask you to:
- a copy of the court register;
- information about income for the current year;
- annual tax return for the previous year;
- accounting of income and expenses and the balance, the profit and loss account and cash flow statement for the current and previous year.
Дополнительные договора для получения кредита
In addition to documents, usually, We need to conclude additional contracts for a loan, and here the bank has a large room for maneuver, тут он может предоставить головной боли. Luckily, the bank is obliged to inform you, any agreement you have to sign, чтобы получить кредит. Чаще всего это:
- insurance contract loan repayment
- Agreement on opening and maintenance of bank accounts
- agreement on the issuance and use of credit / debit card
That fact, These contracts require additional charges, I will not mention, but I still referred to them ;). Это так называемые скрытые затраты, you should consider yourself.
