Many Russians, when it comes to obtaining a consumer loan, simply go to the bank and apply for it, and often the desired loan amount varies from 100,000 rubles or more. But quite often the client of the bank receives a refusal to receive the desired amount of money and is surprised.
The reason for the refusal to obtain a loan for the amount needed by a person can be many factors, one of which is the amount of white wages that the borrower receives monthly. And that is why we decided to prepare this material for you, which will focus on the minimum wage required to obtain a loan.
What should be the salary for a loan
Of course, many banks state in their lucrative offers that the minimum salary for loan approval is from 7,000 -10,000 rubles, and the maximum amount is up to 1,000,000 rubles or more, but let's be realistic - can you pay such a large amount with a salary , for example, 10,000 rubles for 6 years? Very unlikely. And banks are well aware of this, and therefore, the maximum loan amount is calculated based on the level of your income, and you will either be denied cash, or will be offered an amount proportional to your financial capabilities.
We have collected average statistics on the reviews of borrowers who applied for a loan and were approved at a certain level of income, and we can give certain results so that you at least roughly know how much a loan you can count on.
Loan with a salary of 10,000 rubles
If your white salary indicated in the 2NDFL certificate does not exceed 10,000 rubles, then you can not count on a large loan amount. Even a credit card with a large credit limit is unlikely to be approved by a bank's scoring center.
According to statistics, the maximum loan amount at this level of income does not exceed 150,000 rubles, given that you have guarantors and property in your property.
Where will they give a loan with a salary of 10,000 rubles
We can recommend to our readers, for obtaining a loan, if it is so badly needed, several banks where there is a possibility of obtaining a loan with a salary of 7,000 to 10,000 rubles. There are not many such banks and in order to receive money from them, most likely, you will need a guarantee from third parties and a positive credit history.
List of banks
Loan with a salary of 15,000 - 20,000 rubles
The official salary, in the amount of 15,000 to 20,000 rubles, is the most common income level for most Russians, and banks are willing to cooperate with clients who have such a salary. But as with lower income levels, the maximum loan amount will not be too high.
So, when applying for a loan, having the above salary, you should keep in mind that the bank will approve a loan for you in an amount not exceeding 300,000 rubles. But even to receive this amount, you will have to enlist the support of guarantors and have work experience in one workplace for more than 1 year.
Where they will give a loan with a salary of 15,000 - 20,000 rubles
You can safely count on a positive decision of the bank on your application, having a salary of more than 15,000 rubles in many banks in the country, but not in all. So, for example, Raiffeisenbank issues loans only to people with a salary above 25,000 rubles, but now to the specifics.
We have prepared the most profitable banks for obtaining a loan with a salary of 15,000 - 20,000 rubles.
List of banks
Loan with a salary of 25,000 - 30,000 rubles
Well, if you work in a company or at an enterprise where the employer honestly pays you a salary of more than 25,000 rubles not in an envelope, but in a clean one, and plus everything, if you can get a certificate of income for this amount - consider that the doors of any bank countries are open to you.
Banks will offer you quite favorable terms for lending even without guarantors, but the question of the maximum loan amount available to you will still remain controversial. On the one hand, you are a reliable client, and on the other hand, who knows, you will suddenly be laid off. So you can count on a consumer loan in the amount of up to 400,000 rubles, but only if you have a positive credit history and property ownership. You can also try to apply, which this year offers very attractive conditions. But now about something else.
Where to get a loan with a salary of 25,000 - 30,000 rubles
As we mentioned above, a salary of more than 25,000 rubles makes you an attractive borrower for most banks in the country, but we went further and want to talk about the most profitable banks and their offers where you will be approved for a loan for the maximum amount.
List of banks
A loan with a salary of more than 40,000 rubles
Well, if you plan to receive a large amount, and your white salary level exceeds 40,000 rubles, then feel free to apply for a loan at any bank and get money, but it is worth noting the fact that your credit history must be and must be positive .
