How to write an application to the bank. How to write an application to a bank (MFO) to provide copies of loan documents? Application header to JSC Tinkoff Bank

When taking out a loan for a large amount, it is difficult to foresee everything and sometimes unforeseen circumstances lead to the fact that it is not possible to make the next loan payment. Instead of hiding from the bank and counting the pennies in horror, you can contact the bank with a request for a credit holiday, loan restructuring or cancellation of fines.

General rules

In such a situation, an application to the bank is drawn up in free form. A bank office employee, upon receiving your application, will assign a serial number to it and put a stamp on the document. After that, he must put the same stamp on a copy of the application and leave it with you.

To avoid problems with your application:

Try to personally bring the original and a copy of the application to the bank, you need to submit the original, you will keep the copy for yourself after they put a stamp on it;
Make sure your application is assigned registration number, and your name and information about the application will be entered in the registration book;
Make sure that the original and the copy are stamped.

If a bank employee refuses to accept an application, request a written refusal explaining the reasons. Usually, this is where the dispute ends and the application is accepted.

You need to understand that it will not be possible to pity the bank and you will have to indicate in the application specific problem, due to which you cannot make payments as before, and also offer the bank your option to get out of this unpleasant situation.

“Good” reasons why you might (theoretically) be accommodated include:

An illness that led to temporary or permanent disability (certificates and doctor’s opinions must be attached to the application);
Loss of a breadwinner if there are minor children in the family (a death certificate and birth certificates of children are attached to the application);
Loss of work (a copy of the work record is attached to the application);
A decrease in income due to one of the family members going on maternity leave (a certificate is attached to the application).

If, for example, your salary payment date has been postponed or you are planning a vacation, then you should not count on the bank’s leniency.

Now let's take a closer look at the options that you can offer to the bank.

Application for establishment of credit holidays

If you have not yet incurred loan debts, but feel that you cannot pay anymore and you need a break, you can ask the bank to issue you a credit holiday.

Before applying for a credit holiday, check the list above and determine whether your case fits the definition of “reasonable.” If yes, then in the application indicate the period for which you would like to take the vacation. As a rule, banks provide a break from payments for a period of 2 to 12 months.

So, the application is drawn up in free form, and will look something like this:

Your full name, title and contract number;
The reason why you are asking for a credit holiday;
An indication that you do not refuse the loan, but in order to avoid delays, ask to postpone payments;
Date, signature.

Be prepared that for those who have taken advantage of credit holidays, banks often increase the interest rate on the loan.

If the reason why you want to send payments on vacation does not seem valid even to you, you can buy vacations; many banks now provide this opportunity. The application is also drawn up in free form. The cost of connecting this option will be 10% of the monthly payment amount, but not less than 1 thousand rubles, the validity period is two monthly payments, that is, two months. You can use such credit holidays multiple times, but not more than once a year.

Application requesting cancellation of fines or penalties

If you have already missed a safe moment and the bank has managed to accrue fines or penalties on the loan, you need to write an application to cancel them

In this case, the application must indicate the reason why the delay occurred, as well as the reason why you did not inform the bank in a timely manner that you would not make the next payment.

Application for restructuring

If you feel that temporary measures are not enough and you will not be able to repay the loan on the old terms in the foreseeable future, you should think about restructuring the loan.

The application must describe the life circumstances that led to the fact that you cannot pay for the loan as usual. In this case, the application must be accompanied by documents confirming the fact of your insolvency: a certificate from the employment center or a document on dismissal, a certificate from work about a decrease in income, a certificate from a hospital, etc.

It is important not to forget that the bank is not obliged to change the terms of the agreement in any way, even if force majeure actually happened in your life. But bringing the case to court is not beneficial for either party, so if the client does not hide, but tries to somehow solve the problem, the bank often meets halfway.

An interest-free loan from an employer is an excellent alternative to loans obtained from banks and other financial institutions. Firstly, such loans are issued at a low interest rate or do not require any payment for the use of funds.

In addition, to obtain a loan you do not need to collect a large package of documents. You can learn how to correctly conclude an interest-free loan agreement with an employee from this article.

How to make an application

If you find out that an organization is ready to provide financial assistance, write an application for a loan. There is nothing complicated about this, there is no special form for such statements (sometimes the accounting department itself draws up a sample statement).

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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If you decide to write a statement in any form, follow the following template:

indicate the desired loan size and repayment terms;
be sure to indicate the purposes for which the company will provide funds;
indicate the condition in the application free use funds (interest-free loan).

The goals specified in the application do not necessarily have to be related to the acquisition or construction of a real estate property, however, organizations are most willing to issue loans for such purposes.

In addition, interest-free loans for the purchase of housing do not burden the recipient of the funds with additional tax charges, but this will be discussed below.

Before drawing up an application, go to the accounting department and clarify all the details of an interest-free loan, find out if such an opportunity exists at all.

Requirements for an employee to borrow money

The decision to provide an interest-free loan to an employee is made by the management of the company.

In this case, the following factors are most often taken into account:

the employee’s overall length of service in the organization;
personal qualities, responsibility, cases of absence, etc.;
character reference from the head of the department;
size wages, presence of unclosed loans, financial situation generally;
the purposes for which funds are issued;
financial capabilities of the company at the time of filing the application.

Required documents and information

An interest-free loan is provided to an employee by an organization, which means that all the necessary documents are already in the accounting department.

The accounting department will assess the employee’s income level, draw up all the documents necessary to obtain a loan and calculate the amount of the monthly payment.

So, full list documents required to obtain an interest-free loan include:

loan application. The manager’s decision is written down here – in the statement;
a loan agreement signed by both parties to the transaction. The contract is always certified by a seal;
if an employee has written an application for a targeted loan (for example, to purchase an apartment), the organization may request documentary evidence of the need for improvement living conditions. To do this, you can submit a certificate of family composition or a housing plan;
the company also draws up an order and notification.

Drawing up and execution of an interest-free loan agreement

An interest-free loan agreement with an employee must include the conditions on the basis of which funds are provided.

This includes the following information:

loan size;
deadlines for provision;
condition of free use of the loan. If this condition will not be in the agreement, interest will be automatically accrued on the loan amount in accordance with the Central Bank refinancing rate;
The targeted loan agreement specifies the goals for the implementation of which funds are provided.

The parties to the loan agreement with the employee are the organization (lender) and individual(employee – borrower). Can act as a lender authorised representative director of the company.

After drawing up and signing a loan agreement with an employee, an order to issue a loan is issued. The legislation does not provide for a special form of order, so the document can be drawn up in any form.

The order specifies the full name of the employee, the decision to issue a loan, the size of the loan and the terms of provision.

The agreement is considered concluded from the moment the money is transferred to the borrower. The transfer of funds is confirmed by a payment order and an expense cash order.

The borrower can also write a receipt for the loan, which indicates the full name and passport details of the employee, the name of the organization, the date of the loan agreement and the amount of the amount received.

Targeted loan agreement with an employee in mandatory provides for the employee to fulfill the following condition: use the money received strictly for specific purposes.

IN in this case the borrower is obliged to provide the company with the opportunity to control the expenditure of funds.

To do this, the debtor can submit documents such as payment order, receipt for payment for real estate, purchase and sale agreement, certificate of state registration property, act of acceptance - transfer, etc.

The list of such documents and the deadlines for provision can be specified in the loan agreement itself.

Sample contract

An interest-free loan agreement with an employee is drawn up in a simple manner writing, according to which the company undertakes to provide the employee (borrower) cash without charging a fee for their use, and the borrower undertakes to use the loan for its intended purpose (for targeted agreements) and return the money within the prescribed period.

The contract must indicate that the loan is interest-free. A gratuitous loan allows for early repayment. Additional conditions for early repayment (for example, notice periods) can be specified in the contract.

The document must indicate the procedure for repaying the loan. If the agreement does not say anything about this, the borrower can return the money at his own discretion (for example, by transferring to the organization’s current account or by depositing through the cash register).

When drawing up a document, you can be guided by a sample interest-free loan agreement for an employee, which includes the following data:

place of drawing up the contract;
date of conclusion;
name of the lender organization indicating the full name of the founder;
Full name, passport details of the employee (borrower). Here you can specify the position of the employee;
section “subject of the agreement”: amount of interest-free loan, repayment period. You can write on a separate line that no interest is charged for using the loan;
section “rights and obligations of the parties”: the period during which the lender is obliged to provide funds, the frequency and methods of repaying the loan. Here you can attach a table with a monthly payment schedule. This section should also indicate the possibility of early repayment of the loan;
section “liability of the parties”: penalties, fines, etc.;
“force majeure” section: here you need to specify the circumstances under which the parties are released from liability for failure to fulfill the terms of the contract;
“Confidentiality” section: note that the terms of the agreement are not subject to disclosure;
section “dispute resolution”: methods of resolving disputes, submitting a dispute to court;
chapter " final provisions": conditions for making changes or additions to the agreement, number of copies, etc.;
addresses, details, signatures of the parties.

Advice from an Expert - Financial Consultant

Photos on the topic

Some employers provide the opportunity for their employees to obtain a loan from the company. Obtaining a loan for urgent needs is much more profitable for company employees, since they are often issued on an interest-free basis or at a fairly low interest rate, taking into account only inflation. Just follow these simple step-by-step tips and you will be on the right track in solving your financial issues.

Quick step by step guide

So, let's look at the actions that need to be taken.

Step - 1
It makes sense to first ask the accounting department whether they will give you a loan before you start applying for it. If preliminary consent has been received, discuss the terms of its repayment with the chief accountant of the enterprise. If you are satisfied with them, you need to write a loan application. Next, move on to the next step of the recommendation.

Step - 2
Take a blank sheet of standard size writing paper. It is better if the application is written by hand. Use a pen with blue or black ink, as is customary when writing official papers. Next, move on to the next step of the recommendation.

Step - 3

Step - 4
In the upper right corner of the sheet, write the name of the position of the head of your company, his last name and initials. Then write “from” and state your position, the department in which you work, your last name and initials. On the line below, in the middle, capitalize the word “Statement.” Next, move on to the next step of the recommendation.

Step - 5
In the first line, write the standard phrase “I ask you to provide me with a loan in the amount of:” and indicate the amount that you need. If necessary, indicate the reason or purpose for receiving the loan. Next, move on to the next step of the recommendation.

Step - 6
Write the conditions under which you want to receive the money - interest-free or with the interest at which the company can provide it to you. Be sure to indicate the period for which you will need the money. Next, move on to the next step of the recommendation.

Step - 7
Indicate how you will repay the loan. Most likely, in your application it will be enough to write that you are asking to deduct the required monthly amount and interest from your earnings. Next, move on to the next step of the recommendation.

Step - 8
Enter the date of writing the application. Sign it and give a transcript indicating your full last name and initials. Take the application to the office and register it with the secretary. All you have to do is wait decision taken.
We hope the answer to the question - How to write an application for a loan - contained useful information for you. Good luck to you! To find the answer to your question, use the form -

We talked about the importance of pre-trial correspondence with the bank to settle overdue debts a couple of weeks ago and I promised to provide clear instructions on how to write applications to the bank. Today I start publishing instructions and the first one is in line.

Step-by-step instructions on how to write an application to a bank (MFO) to provide copies of documents on a loan case. Yes, now we will write an application to the bank, and I will tell you in detail how to write an application correctly, well-reasoned, so that you can later use the correspondence in court and win some goodies for yourself. Today we will write an application, and tomorrow I will give clear instructions on how to send it correctly in order to receive the documents you want and not be refused. Therefore, follow the news in groups on social networks, on the website and of course on the anti-credit video channel and don’t forget to subscribe.

By the way, from this video and article I will try to argue and support almost every word I say with references to regulations, and not just justifying it with your experience. Because there are a lot of complaints about my materials and provocations from lawyers and shitty commentators, after my video, where I tried to distance myself from them. But I am grateful to them, as they help me develop and make my materials better. I hope it won’t turn out mournfully, like lawyers do, and I will try to avoid dry legal language, but continue to translate complex legislative norms into simple human language. So, gentlemen, lawyers and shitty commentators, write more! And thank you!

The video turned out to be long, and let me remind you that there is convenient navigation in the description on YouTube below. And if you want to find out the answers to certain questions and, with one click, you can go to the section that interests you, without watching the entire video or rewinding, for fear of missing something important. To make you feel comfortable. But I still recommend watching to the end, because I tried. Well, because at the end of the video and article there will be a link through which you can get a checklist and a bank application template absolutely free. And above all, by watching the video to the end and liking and sharing the article from the site on social networks, you can help other people find this material faster, because it will be on the first lines of search engines. Of course, if you think I'm doing something useful. Thank you.

For which banks, microfinance organizations and loans is this instruction suitable?

So let's get started. I will write an application to the bank using the example of Tinkoff Credit Systems, and now it is JSC Tinkoff Bank, because many of us have had and still have credit relationships with this bank. Well, I chose this bank because, as a rule, we do not have any documents from the bank in our hands and the bank itself does not have offices, so, perhaps, this is the most Hard case- I’ll look at it.

I’ll say right away that this instruction will discuss all possible ways of writing applications to a bank and you will be able to apply this to your specific credit situation and to your bank or microfinance organization. Yes, this instruction is also suitable for microfinance organizations. Well, this instruction will also be useful to everyone, no matter what type of banking product you have.

First, let's try to answer the question.

Why write an application to a bank or microfinance organization?

It often happens that we take out a loan from a bank or a loan from a microfinance organization, and, satisfied with the quick enrichment, we run away from spending money and do not go into what documents we signed and what this threatens us with. Or we stuff loan agreements somewhere and then can’t find them. Or we think that the bank has cheated us and we want to use all our rights not only from Civil Code And Federal laws, but also arising from credit agreements or loan agreements.

Perhaps you want to collect from the bank illegal commissions or imposed insurance - then you will definitely need this instruction and all the subsequent ones, which I already talked about in one of the previous videos about pre-trial correspondence with the bank.

How to obtain the necessary documents?

What determines the procedure for writing an application to provide loan documents to a bank? I would like to immediately note that the most the best way receiving from the bank all necessary documents The credit is communication skills. Go up to the girl from the credit department with a chocolate and ask like a human being and you will receive the documents quickly and at no cost. Try this method first and if you succeed, then there is no point in studying this dreary instruction and coming up with a tricky statement.

But if you tried the chocolate option and it didn’t work out or you don’t want to try anything because you’re angry with them, write a statement.

3 ways to write an application to the bank

How to write an application to a bank depends on several factors, and I have identified the main groups:

Selecting a communication channel

From the method of choosing the communication channel through which you will send an application to a bank or microfinance organization: there are several options, which necessarily include personal identification, because the requested information constitutes a bank secret and if the bank cannot reliably establish your identity, it will be refused or your the application will be ignored.

The main three ways to submit applications:

On purpose in person with presentation of your passport,
By mail with advance notice notarized certificate signatures,
Or via secure communication channels through online banking.
You can, of course, try to fool the bankers and just send this application by mail, maybe they will get scared and provide you with documents without a notary and other paperwork and costs.

Type of loan agreement

Depending on the type of execution of the loan agreement - it can be simple loan agreement, there may be a public offer from the bank with your acceptance or an application for a loan with the bank’s acceptance. I will talk about this in detail in one of the following videos, so that you do not have any misconceptions that if there is no physical contract, then you do not owe anything. Wait for a new hedgehog in the fog.

Availability of necessary information

From your presence necessary information, because we do not always know the agreement number, amount, card number or other information necessary for the bank. Because they received a loan and forgot. Or maybe they threw it away when they stopped paying.

And of course, it depends on the type of lender - if you took out a loan from a bank, then according to the text you will have a default loan agreement, and if you took out a loan from a microfinance organization, then change the loan agreement to a loan agreement. Of course, for MFOs it is not necessary to indicate many of the provisions specified in the application, but let them be - because as MFOs - let's try to intimidate them, just as they scare us with a criminal offense or mobile teams, telling us noodles.

Based on this, I came up with a fairly varied application to Tinkoff Bank and it seems to me that I sorted everything out possible options, but if I missed something, help me supplement the instructions - write additions in the comments and together we will help people cope with credit problems on their own better and better.

We are writing an application to Tinkoff Bank

Let me remind you that the application can be written by hand and does not have to be typed on a computer - the main thing is that it is legible. Let's go through the sections of the application.

To which bank address should I write the application?

Let's start. First of all, you need to know who you are writing to - you can take the exact name of the bank from the loan agreement or the documents that you have (even if the name is old, because banks change their legal forms and names). If there is nothing, go to the site Tinkoff Bank, for which we simply type “Tinkoff” in a search engine, look for the “Contacts” section - go there and find the name and address of the bank. Here they are:

Tinkoff Bank does not have branches or branches, so we write only to the head bank, but if you have, for example, VTB24 or Sberbank, you can choose where to write. Or to the address of the branch where you applied for the loan or directly to your head. I would immediately hit the head, because they sort mail there better. You can write to 2 addresses if you want and your finances allow, but all postal and notary expenses will have to be multiplied by two. This doesn’t make much sense; in the next video, which will be released tomorrow, I will send an application to the bank and tell you about it in detail. For now, write one address.

Application header to JSC Tinkoff Bank

Well, I think you know your address and indicate your passport details just in case, because court practice is contradictory and sometimes indicating passport details is an additional way to identify a bank client, although in my opinion this is nonsense. Well, I pointed it out, because he doesn’t ask for food or drink. By the way, please note here that your address and passport data may not correspond to those indicated by you when drawing up the loan agreement, so you can also indicate old data so that the bank has no reason to refuse you due to the impossibility of identification.

Application or claim to the bank?

There is such a slippery moment here. Whatever you call the boat, that’s how it will float. I would recommend writing such letters to the bank when there are minimal delays or even if there are no delays yet, so that you do not encounter a storm of negativity from the bank.

Complaint to Tinkoff Bank

Even if you are writing an application that is already overdue, still call it APPLICATION if you do not want to cause a lot of noise - because the application will most likely end up in the credit department and they will silently process it. And if you call CLAIM, it means you are in the mood to swear and this request will most likely end up in legal department and will be considered as pre-trial claim and they will put a spoke in your wheels by not issuing documents or unsubscribing. Of course, sooner or later they will provide it anyway, because otherwise we will complain, as written at the end of the letter. But to gain time and not prolong the pleasure, call it a STATEMENT.

What to do if the loan agreement was not concluded?

Next, we proceed to present the initial data of the application to Tinkoff Bank - and here everything depends on whether you know the data of the loan agreement and in what form the loan agreement was drawn up - just select the desired paragraph from four options, and delete the rest.

Initial data of the application to Tinkoff Bank

The fact is that Tinkoff’s remote banking system is based on a public offer, which is usually posted on the bank’s website and has the status of a loan agreement, and we sign this loan agreement by acceptance - first we sign the piece of paper that the courier from Tinkoff Bank brings us, and then activate the card. This means we agreed with the terms of the bank, but there will be a separate video about this, where I will tell you that this form of concluding a loan agreement has legal force, so subscribe to the anti-credit channel and follow the news on the website.

If you had a card, but you threw it all away, the second paragraph is for you.
There are banks whose loan issuance system is built on the basis of an application for a loan in their form, which you sign, and they subsequently accept this application - if this is your case, then the third paragraph is for you.
If you have a standard system for drawing up a loan agreement and you know the agreement data, but you need to request other documents for the loan, use the fourth paragraph.

What standards should I refer to when making a request to Tinkoff Bank?

Next comes an untranslatable play on words and here I used links to articles of laws and codes that have already been used and applied in the previous judicial practice, which I picked up and links to documents are at the end of the article on the website.

In short, the meaning is as follows. First, you prove to the bank that this is a service, which means you are a consumer and have consumer rights and have the right to know everything about this service. Then you refer to the very first paragraph of the Civil Code, proving that you have the right to receive all the necessary information. Next you say that you have the right to receive this information on the loan for free. By the way, there is a nuance here. The fact is that some banks, for example, VTB24, provide some information for a fee, which I will talk about in the next video when I send a letter to Tinkoff Bank. I visited the VTB24 office and found out the details, so let’s try to get the bankers to show off so that they will provide it for free, and if that doesn’t work, pay for this service, and then I’ll tell you how to try to collect this amount from the bank. The main thing is to save all receipts. Well, if, of course, you need these documents in principle.

Then you say that the requested documents contain personal data, and you, as the subject of this data, have quite a lot of rights. And finally, you finish off the bankers with Article 7 of the Federal Law “On Consumer Credit”, where there are quite a lot of points and you hint that you know them all and say that you are writing all this because you really want to fulfill your loan obligations.

And I remind you that the Young Loan Defaulter Fighter Course for 100 rubles, which is made in the format of a 6-day video course and e-book, will help you gain even greater confidence in communicating with banks and collectors. And the next one individual consultation on Skype also for a hundred. This is made especially for beginners who have just found themselves in a difficult situation. Well, if you are no longer a beginner, but just want to support the project, buy the Course and give it to a friend. Yes, for prevention.

Why are there so many references to laws in the application to Tinkoff Bank? Some may think that this is a hodgepodge, but! By writing in detail the maximum number of links to articles of laws, you benefit from the following:

Bankers see that you are in the know. And now it’s not they who explain your responsibilities to you, but you to them. This makes it possible to communicate on equal terms. And this is a great chance to get what you want as quickly as you want.
You can subsequently easily file a complaint with regulatory authorities or a lawsuit in court using these norms. This is in case of bank refusal or leaving the application without consideration.
With simple manipulations it is very easy to turn this statement into a statement of claim.
Well, I repeat that the reasons why I used these particular norms are in the links where judicial practice is given.

Pre-trial claim to Tinkoff Bank?

Further, the wording again depends on how you called this document STATEMENT or CLAIM. And here, choose either you ask or you offer, but then it will be worse. What documents should you request from Tinkoff Bank?

In the first paragraph, I reflected the variations of documents that a bank can issue depending on its imagination. As I said, some just have a loan agreement, some have an offer, some have an application, some have the cost of the loan stated in the agreement, some have a separate document or a link to a collection of bank tariffs. The same thing applies to insurance, which the bankers are trying to sell us on. I recommend leaving this point unchanged. Or if you know exactly what your document is called, add it to this paragraph. Well, a note was immediately made that you are eager to see what changes the bank made to unilaterally. This is also important, and if you do not declare this, you will only be provided with current copies of documents.

What to demand from Tinkoff Bank?

In the second paragraph, you express your desire to see all account numbers, because they are not always reflected in the agreement, and to receive extended statements for each in order to see when, how and where your money went. And in the third paragraph, just in case, you also order a certificate about the amount of your debt on the loan (by the way, you must take it from the bank when you repay the loan in full).

The fourth and fifth paragraphs are made for those borrowers who really want to know whether their loan debt has been sold to collectors or transferred for collection agency agreement. I don’t know why people need this, but I did it at the request of TV viewers. By the way, please note that do not use the fifth paragraph unnecessarily - do not request notification of the transfer of the right of claim under assignment - until the bank notifies you that it has sold the loan debt to collectors and they notify you of the start of processing your personal data - you have every right not to pay anyone anything, and also to demand judicial procedure compensation moral damage. But I’ll tell you about this in detail one by one in a month at least.

Indicate how and when you want to receive a response from Tinkoff Bank

If your clear requirements that are listed above are vague, rest assured you will not receive documents. Therefore, write clearly - how and when you want to receive documents from the bank or a written refusal.

Remember that the frequent refusal of banks is due to the need to protect bank secrecy and they simply do not respond to statements whose author cannot be clearly identified as a bank client. Therefore you have 2 options:

Allow them to verify your identity personally if you come to the bank office to receive documents. By the way, you can come to any office of a bank that has a branch network - for example, VTB24, Sberbank, Alfa-Bank issue documents at any of the offices, that is, you don’t have to go from Tyumen to Omsk, for example, where you took out a loan. But I’ll talk about this in the next video, when I send documents to the bank

Express your consent to receive documents by registered mail. But before they send it to you, they must identify you when submitting an application, and here again there are 2 options: 1) come in person with an application so that a bank employee can identify you, 2) send the application by mail, having first notarized your signature (but more on that again in detail in tomorrow's video). Therefore, use one of two options for obtaining information from the bank, and simply delete the unnecessary option.

What threatens Tinkoff Bank if it refuses to provide you with documents?

Here you once again show your “knowledge” and list a list of regulatory organizations to which you will complain if they don’t understand you the first time. And what consequences will Tinkoff Bank have if it ignores your request in whole or in part? This will give you the opportunity to help the bank not relax the rolls.

How to avoid Tinkoff Bank's refusal to provide copies of loan documents?

Perhaps the most common reason Banks' refusal to provide loan documents means the inability to identify the bank's client when submitting an application. This is again due to the need to preserve data that constitutes bank secrecy. Let Tinkoff Bank or a notary verify your identity.

Well, I already told you that you have 2 options in this case:

Submit your application to the bank in person so that a bank employee can verify your identity and be sure to make a note about this on the application and be sure to compare your signature with the card.
Have your signature certified by a notary and send the application by Russian Post in a valuable letter with a list of the contents and a receipt. In this case, pay attention to the notes in italics that the application must be signed in the presence of a notary and it must be stitched and numbered. Then delete what is written in italics.

That's all. Let me remind you that tomorrow there will be a video with instructions on how to send an application to Tinkoff Bank, where I will look at guaranteed ways to request information so as not to be refused. Of course confirmed judicial practice and specific interviews with bank employees, notaries and Russian Post employees.

Let me remind you that a detailed article is on the website and there are also text instructions, a short checklist and the application template itself for requesting documents on a loan case at Tinkoff Bank JSC, which you can turn into an application to any bank with simple manipulations.

I hope that I helped you in some way and if the video and article on the site were useful to you - be sure to like and share the article on social networks - perhaps it will be useful to your friends who are not even loan defaulters, but just want to optimize their loan payments. And write in the comments any additions to the instructions and tell us about your experience of pre-trial correspondence with banks and microfinance organizations, what documents you requested from bankers, whether you received refusals and how often your applications remained unanswered and why.

The loan application is the first step for the borrower towards getting the desired sum of money. However, in order for the bank not only to consider the application, but also to approve it, you need to know a few simple rules. As an example, let’s look at the process of filling out online forms and figure out how to properly apply for a loan.
All banks work with the same set of data about borrowers, so the completed questionnaires are almost identical. The only difference may be that some banks and credit organizations they immediately ask you to fill out an extended questionnaire with a large number of questions and clarifications, while others first collect basic information about the borrower and, after the first stage of verification and preliminary approval of the application, contact the client to clarify the details.

What is a typical online loan application form?

The extended loan application form often contains the following sections:

Basic information;
Passport details;
Address data;
Information about family composition;
Information about place of work and income;
Let's take a closer look at each of these sections.

basic information

In this section, the borrower must provide basic information about himself:

surname,
surname,
Date of Birth,
number mobile phone,
address Email,
region of residence,
size and term of the loan,
the need for insurance and other general information.

Passport details

This section may partially duplicate information from the first. In particular, the date of birth may be requested again, as well as information about the change of surname. In addition, the bank will ask you to provide additional passport information:

passport series and number,
issued by whom and when
place of birth indicated in the document.

Also, when clarifying passport data, information about marital status may be requested.

Address data

In addition to the place of registration, which is indicated in the passport, in order to receive a loan, the bank will have to provide information about actual location residence, as well as the place of temporary registration, if any. In addition, the bank may subsequently request additional documents, which would confirm the time of registration at the specified address and the duration of stay.

Information about family composition

In this section of the questionnaire you will need to provide the following information:

family composition (number of people),
Family status,
information about parents, children and spouse.

Information about place of work and income

This is perhaps the most important section, which largely influences whether the loan will be approved or not. Based on the information provided, the bank assesses the borrower's solvency and financial stability.

Information to be provided to the bank:

Education;
Field of activity;
Name of the organization and its address;
Job title;
Experience;
Information about previous places of work for the last 3-5 years.

When filling out an online loan application, you should be especially careful when entering data. A typo in the first name, last name or any other field may result in the pre-processing program deeming the information to be false and the application will be rejected at the preliminary stage.

When providing false information about income, place of work, family composition and property ownership, it is worth remembering that each bank has its own security service, which carefully checks information about each borrower before approving his application. If the specified data is not confirmed, this may be the reason not only for the refusal of a separate application, but also for the client’s inclusion in the so-called “black list”. Accordingly, the chances of getting a loan from this bank in the future are practically zero.

Fields for mandatory filling are always marked with an asterisk, but it is recommended to indicate those data that are not essential. This will give the bank a better understanding of the borrower and may improve the chances of receiving a loan.