Get life and health insurance . Insurance companies are reluctant to insure people with serious health problems, as this is associated with high financial risks. But it is quite possible for disabled people of group 3 to get an insurance policy. Despite the fact that it can be expensive, with it the probability of loan approval will be much higher.
Attract a guarantor . This should be a solvent person with a sufficient stable income and a good credit history.
Provide liquid collateral. The only residential property cannot be used as collateral, but if the borrower has other real estate, the bank will accept it as financial security for the loan.
Basic requirements of banks
Banks have general requirements for all borrowers wishing to receive a loan:
Age over 18-21 years;
Possession of citizenship of the Russian Federation and jiangxi mobile number database permanent registration in the region of application;
Experience at the last place of work of at least 3-6 months;
Documented proof of income.
The likelihood of loan approval is much higher if the client has a good credit history. Many banks refuse borrowers who have outstanding debt or have a history of late payments.
Documents required for registration
Since disabled people can take out a loan from a bank under normal conditions, a standard package of documents is required to process it:
Passport of a citizen of the Russian Federation. Sometimes a second document may be required for identification (foreign passport or driver's license);
Individual insurance account number (SNILS);
A copy of the employment contract and the last completed page of the work record book;
Certificates confirming the level of basic income.
There is no requirement to present a disability certificate to a credit institution.
The presence of a disability or loss of ability to work does not exempt borrowers from fulfilling their debt obligations: therefore, disabled people are obliged to repay the loans they have issued in the same way as all other citizens.