Banking organizations offer a variety of forms of credit, including the present salary credit. At the moment, this service is not all, but many banks. Who can benefit from the proposal?

 

This form of credit is available to employees of companies that have signed an agreement with a particular bank to transfer wages. The loan can be obtained for any purpose, it does not wear strict orientation. Borrowers can serve business owners and individual entrepreneurs, employees dopensionnogo age, rarely credited working pensioners.

 

The amount, as is the case with any other loan largely depends on the solvency of the citizen. Bank's payroll client put forward a number of demands: continuous service in the enterprise (usually at least 4-6 months) and a permanent stable income; total length of service is taken into account; age limits are set individually by the bank (typically 21 years before reaching retirement age at the time of repayment); passport USA, may require a certificate or a certificate in the form of the bank, a copy of the work book; residence in the country; current salary account in the bank.

 

How is getting a salary loan? The procedure of processing the loan for holders of payroll cards consists of several stages. First, you need to read the terms and requirements of lending to borrowers. Most often, the Bank loan calculator on the website through which you can calculate the approximate amount available to be received. If all conditions are satisfied, it is necessary to write a statement in the bank. You can also turn to credit manager directly at the plant.

 

The decision on the loan application review and decision-making usually takes no more than 3 days. The decision is informed by telephone or SMS. A member credit institution calls the borrower to announce whether he will receive a salary loan and asked to answer additional questions. If the decision is positive, the borrower will visit the bank to sign the agreement and receipt of funds. The amount paid in cash or transferred to a free map of the bank, which is a salary project company. Additional services for payroll clients Apart from cash loan for zarplatnikov envisage other ways of lending, one of which - an overdraft.

 

In this case, the customer may spend more than the amount accrued, to go into the minus on the map. When calculating the next salary from it automatically calculates the size of the debt, with interest. Many banks offer payroll credit card customers on favorable terms. The limit can be up to 400% of monthly income. For credit card you need to make a note in the contract at registration of a debit card.