"In the morning - money, in the evening - chairs or in the evening - money, and the other day in the morning - chairs!" - Such a condition once heard a well-known Ostap Bender. And no arguments helped to change the situation. The current banks are much more complicated: get the goods, and only a very lazy or non-creditative citizen are not capable of making money for it. One of the available loans is the target common type of financial service, in which the bank issues funds for strictly defined goals specified in the contract. From a simple consumer loan or money from a credit card, this type is characterized by more stringent conditions, but often softer interest rates.

• Mortgage - buying an apartment. The most long-term and financial burdensome duty for the consumer. However, he is the most popular thanks to the possibility to immediately live in an apartment or house decorated on credit. It is impossible to spend a penny from a mortgage loan for third-party goods or services. By and large, the borrower does not see live money. The bank is calculated directly with the seller or its representative and receives almost complete control over the mortgage property. Only after the full buyer can sigh with relief and call housing with his property.
• Car loan is almost the same situation, only the amount can be significantly less. The bank or credit union client selects the seller and the desired car, and the rest of the creditor. The law requires insure the purchased car, so many banks additionally provide a consumer loan to cover all expenses for making insurance and documents.
• A loan on business development is the most common way to attract additional working capital for the entrepreneur. It doesn't matter what kind of purpose: the purchase of goods, the expansion of production, staff training - the bank will give a businessman to the target loan and follows the compliance with the contract. The target feature of such a loan allows the Bank to analyze the prospects for the return of funds to the borrower and issue money with minimal risk. If the entrepreneur wants to get a loan to repair in the office or for the sake of a large-scale event, it is most likely to refuse him, as it is not possible to accurately take into account profits from such actions.

Target loans can be issued in a wide variety of situations: for treatment, to pay for training, to buy household appliances or other goods. The main thing is that the borrower clearly indicates the goals and has not retreat from them by ordering the loan. Many banks even give loans to buy collaborated property selected from insolvengeous debtors.

Very similar in the title, but is not a full-fledged banking product a target loan. This is an exclusively form of project financing by issuing currency funds for settlements between states, foreign banks and companies. Many are mistaken, considering it a regular loan, just in a foreign financial institution, but such a loan is issued at a much higher level than an ordinary consumer is available.

Why are banks interested in targeted loans?

Almost in all cases, such a loan is ensured by a deposit, which guarantees compensation for credit institutions, regardless of the financial position of the debtor. If there is no pledge - the guarantor will be attracted. If there is no guarantor - the borrower will have to assemble a whole package of documents to confirm its own capabilities. It is clear, it is impossible to count on a large amount.

Despite the fact that interest on target loans are not very high, it is still profitable to banks - reduced the risks of non-repayments and problem debts. The low rate of profit is compensated for greater reliability and modest debt recovery costs.

Pluses of target loans

1. A long loan period allows you to build a comfortable payment schedule.
2. The rate is always lower than for other credit products.
3. The credit history of the borrower and the experience of its cooperation with the bank is taken into account.
4. Many target loans are subsidized by the state.

Spoon of tar, where without her

Usually not small, especially for mortgage. And this means that every year the bank will add to the body of the loan from 9 to 27 percent per annum. When repaying the loan, for example, for 20 years, the ultimate amount will grow many times. All this time, the bank will have the right to recover a guarantee or bring the guarantor to responsibility.

The target loan will not be able to take quickly: it will be necessary to collect all the documents requested by the Bank and quite a long expectation of a decision. Any doubts will not be interpreted in favor of the borrower, and to delay the moment of confirmation of the loan. A long-term loan implies a high responsibility of the borrower, so the bank has the right to demand insure not only the deposit, but even the life and health of the client itself. Insurance costs seriously increase the value of the property acquired on credit.

If you lack your own funds to buy something very important to you, your family and at home, then, as a rule, you have to resort to a loan. The loan can be produced from relatives or friends, but very often a person appeals to the state structures to which the banks actually belong. Today you can get an online consultation, fill out an online application and get approval on credit without going beyond the home or office.

The most common type of lending is. Taking into account the huge competition, each bank offers its potential customers that are advantageous in the opinion of their specialists to lending. And most banks hope that the client will come to them for the following loans, since their conditions are the best.

However, it is very difficult to choose among a variety of banking proposals, but still possible. The main thing is to know what you want and under what conditions. Reward rates, credit times are not all parameters that should be considered when choosing a lender. It is also necessary to pay attention to the timing of the loan and the package of documents.

The essence of the target consumer loan

The term "target consumer loan" speaks for itself. Such a loan is issued to citizens for certain purposes. It can be the purchase of housing, and buying a car, and repair in the apartment, and even the opening of your business. In some banks, consumer credit taken with a certain goal has several functional subgroups. The first group consists of mortgage loans (loans provided to buy real estate). The second niche is occupied by car loans, and in third place are classic consumer loans, which are pretty extensive classification.

In fact, the target consumer loan gives the borrower to satisfy its needs. The main thing is to clearly know your "appetites", then not to run for the "added portion" of credit funds.

Where and how to get a target consumer loan?

The most reliable basis for choosing a bank is its history of existence. The longer the bank is in the economy market, the better. You can also stop your choice and on banks with a state guarantee, a good reputation and popular in the consumer market.

Initially, the consumer has a superficial comparison of lending conditions, which further goes into the understanding of the nuances. If your knowledge in the field of targeted consumer lending is small, or everything is not enough time, we advise you to contact the company to provide applications for consideration by the Bank. In such organizations, you will not only be prompted and will tell you all the subtleties of lending, but will select the most profitable loan option in a certain bank. Moreover, the number of sent applications for consideration in various banks is at least five. While you are engaged in your affairs and work, your credit is already getting approval on the most favorable conditions for you.

You will gladly help you make a loan with pleasure on our website without any time and physical hassle.

All you need is to fill out online in which you need to specify the credit parameters that you meet. In the shortest possible time, you will receive an answer with several already approved loans, of which you already choose the most suitable. By filling out the application with us, you free up and realize your dreams!

It often happens that there is not enough funds to achieve their cherished goal. But not everything is so sad, because there is a target loan from Sberbank. The Savings Bank of Russia is pleased to offer its borrowers a target loan that is issued to a borrower to solve a certain task. The advantage of such credit is the low interest rate, which is significantly lower than the loan for consumer purposes.

Such projects as auto lending, lending to buy housing, lending to obtain education, as well as some types of consumer lending are falling for targeted lending.

Housing target lending

The provision of a target loan for the solution of housing problems of citizens in Sberbank is conducted in several directions.

• Loans with the support of the state. According to this program, the borrower can receive the amount from 300 thousand rubles, the maturity of which is 30 years, the interest rate on this loan is 11.4% per year.
• Mortgage target lending to purchase housing in a new building. This program provides for obtaining a loan amount from 300 thousand rubles. 13% for a period of 30 years.
• Getting a loan for the construction of the house. The loan amount from 300 thousand, the period of 30 years the rate is 13.5% per annum.
• Lending to the purchase or construction of suburban real estate (cottages, etc. Buildings) The loan is issued from the amount of 300 thousand rubles for a period of 30 years, at a rate of 13% per annum.
• Lending on military mortgage. Buying housing, both in the primary and in the secondary market. The loan is issued for a period of 15 years, at a rate of 15,% per annum.

Target lending to the development of personal subsidiary farm

If your goal is to strengthen and develop a personal subsidiary farm, then this method of lending will be for you as it is impossible. The amount of lending is issued for one utility farm and has 2 options.

1. The loan amount from 15 to 300 thousand rubles. The loan is issued for 2 years.
2. The loan amount from 15 to 700 thousand rubles. Credit maturity of 5 years.

Pros of this type of target lending: the absence of a loan commission, paying interest 22% per year, the availability of all residents of the Russian Federation, except for residents of Moscow.

Target loan for education from Sberbank

Get high-quality education has become much more accessible with a loan from Sberbank. According to the terms of the loan, it is possible to get it both on secondary vocational education and higher. The cost of learning is 100% covered by credit.

The amount of interest on the loan is only 7.6% loan repayment period is 10 years. This type of lending has no restrictions on the form of student's training, does not have commissions and insurance on the loan.

Inadequate lending with the pledge of the borrower's real estate

The essence of this type of lending is quite simple. The borrower can take a loan for any purpose. In return, he leaves real estate.

Car loan from Sberbank.
The program of target car loans from Sberbank involves the acquisition of both a new car and used. When buying a used car for this program, you need to comply with the condition you purchased the car should not be older than 5 years (domestic, and Chinese cars) and 10 years (foreign-made cars).

The loan is granted at a rate of 13-15%, citizens of the Russian Federation, from 21 years not having debts and with an employment experience of at least 5 years.

Customer credit.
In the savings bank there are two types of consumer lending:

1. Without guarantors. The maximum amount that can be borrowed without guarantors is 1.5 million rubles. Term of 3 months, up to 5 years. The rate of 15.5% (with a loan amount of at least 400 thousand rubles).
2. With guarantor without guarantors. The maximum amount that can be borrowed without guarantors is 3 million rubles. Term of 3 months, up to 5 years. The rate is 14.5% (with a loan amount of at least 400 thousand rubles).

For recipients of pensions and salaries on a savings card, there is an opportunity to receive lending services through the service

Target loan is a loan provided for the specific task, goals. Such a loan cannot be used at its discretion. The borrower is obliged to document the bank that the latter money is used to solve the challenges specified in the contract. Otherwise, the credit company will not cooperate with the client.

Types of target loans

The most common borrowings of such a category are:

1. Housing lending (mortgage);
2. Car loan;
3. Loan for education;
4. Credit for the purchase of a specific product (telephone, TV, furniture, etc.);
5. Loan or opening business.

Also, some banks issue loans, rest, wedding, and so on. In the past 3 years, the types of target loans become diverse. For the most important material needs of the borrower, you can choose an individual loan.

The target loan is a faithful to the bank. It is practiced increasingly. If the client cannot find a service for an individual task, you can take an extended target loan.

So, to buy raw materials, an entrepreneur may make a loan on business. After all, the concept of "business" includes such a need. And if there is no individual solution, then you will help consumer lending. Here the money is given at the discretion of the debtor.

Features of the target loan

Each target loan has a number of important differences:

1. Limited list of borrowers;
2. A certain limit;
3. The need to confirm the purpose of obtaining funds;
4. Reduced interest rate;
5. The presence of property pledge.

Such loans are issued not to all borrowers. So, the car on credit can buy a person who has rights. And the loan to the rest will give only a citizen with a passport. Interest here is lower than in the consumer sphere.

The specific direction of application of money disciplines the borrower. Debtors here are significantly less. Often, buying property acts as collateral. The client can not use them full until the debt repayment. But this measure reduces the risks of the bank, and overpayment of the client, respectively.

Target loan profitable for the borrower. But it is drawn up for a long time and requires the provision of a significant number of documents. This type of loans in demand from the Russians.

Target lending and state

Such loans are funded at the expense of the state budget. For certain categories of citizens, preferential loans per housing, cars, education, land plots, agriculture and TD are available. There is no complete coating. But the state can reduce rates on a target loan by 5-10% or pay up to a third of the loan in the form of a subsidy.

Important budget help is the provision of maternal capital. This measure makes a housing loan most affordable for young parents. The state is actively involved in financing this sphere. And every year such participation is more efficient.

Target loans today

Purely target loans is an important market regulating measure. Debtors here minimal quantity. Statistics spoils only currency mortgage. Due to the crisis, many people could not return such debts. But in general, such a sphere is of great popularity. An increasing number of people prefer precisely such loans.

The crisis slowed down the development of this industry. This phenomenon will not last long. Target loan is an opportunity for people with serious intentions, implement important tasks. Many sectors of the economy depend on acceptable conditions for target lending. After all, the active users of these services are both private and large legal entities.

The bank issues loans for various purposes. With the help of lending, you can buy any product in the form of a phone or household appliances, a car, an apartment, make repairs and much more. As a rule, such contracts can be issued directly at the outlet, where there are representatives of a particular banking organization. But they may often need money for expenses of various nature. In this case, you can make a loan directly cash. This type of lending is called non-target. What is a non-target loan, how to design it and whether he is profitable, consider in this article.

Customer credit

To figure out what non-target loans are, to begin with, consider the types of consumer lending. All loan agreements can be divided into two types:

• target loan;
• non-target loan.

Target loans

The target loan is called such a type of loan in which funds are sent to a specific purpose. Often the client, issuing such a contract, pays the initial contribution of the outlet and instantly receives the goods. The remaining part of the money is funded by the bank. And the client on the basis of monthly repayments pays a banking loan under a percentage defined terms.

At the same time, the funds from the bank can not receive the Customer. Thus, you can buy goods, a car and even an apartment. Interest rates on targeted loans are usually lower than if the borrower will issue a non-targeted consumer loan. In many ways, the interest rate depends on the loan amount.

If the purchased goods are inexpensive, then interest rates on target loans can reach up to 40%. Banking organizations overestimate interest, using psychological aspects. Since the borrower is already configured to get the necessary product, often does not pay attention to the percentage that offers a credit specialist.

When buying a car or apartment, potential customers of banks weigly approach their choice, trying to extract the maximum benefit. Therefore, the proposals of banking companies in this direction are more loyal. Under certain conditions, you can buy a car on credit under 7-10%. Or arrange a mortgage from 10.5%.

Intelligent consumer loans

Intelligent loan is a cash bank in cash. At the same time, the loan amount can be disposed of at its discretion. Use it for the purchase of goods, payment of the initial contribution of mortgage, payment of training, treatment, and so on.

Banking organization will not track your spending. Based on the loan amount, the term of the contract and interest rate you will be formed a payment schedule. It will be necessary to make an amount according to the schedule, while the borrower can return the principal and interest under the contract ahead of time, paying only accrued interest for the actual use of funds.

Intelligent consumer loan has a fairly high interest rate. Thus, the bank is trying to reduce its financial risks, as the organization does not know what exactly you will send the loan. As a rule, the interest rate is about 30%.

How to issue

There are various offers in different banks. Intelligent loan can be issued both in two documents, but with a higher interest rate, and providing a complete package of documents. In such a package, the standard includes:

1. Passport.
2. Help from accounting about monthly earnings.
3. Copy of workbook.

At the same time, the condition may be age from 21 years and work experience from six months at the last place of work.

Today, you will rarely meet a person who at least once for his life did not resort to lending services. The issuance of loans today are not only engaged in banks, but also small commercial and microfinance organizations, offering simplified programs of loans and nominating more loyal requirements for potential customers.

Loans in credit institutions are divided into several species that differ from each other terms of the contract and benefits. So, for example, a loan that the borrower receives on personal spending without the obligatory provision of a report regarding where the money went exactly, it is easier to issue, however, it is fixed high.

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If we talk about the target loan, then its conditions are the most profitable, but according to it, it is necessary to provide reporting that it suits not all.

Get a target loan from the bank - not as easy as I would like. Such a lending program is calculated solely on the payment of specific tasks, for example, the expansion of either the acquisition of living space, therefore, it is most often the borrowers receive a refusal. The procedure itself is carried out within a few days and requires a client to provide a large package of documents and references.

What is it and existing views

The loan is the subject or the money amount transmitted by the lender of the borrower on certain conditions of use and on the specific, staged by the parties, the period of time. Such a deal is necessarily wired documented, and before the expiration of the loan agreement, the client is obliged to return the debt and pay interest for the use of funds.

Some financial organizations offer their customers a lending program that are not subject to interest. This kind of interest-free loan is entitled to draw up both legal and individuals. But such loans are often subject to NDFL, which the borrower pays independently.

All loans are divided into several types, their programs are distinguished by lending conditions, the number of documents necessary for the provision of documents and the requirements for the potential borrower.

Among the main differences can be noted:

• the applicant's age (some lenders are ready to issue loans, starting from 18 years, others only from 23);
• crediting limit;
• deadlines for refund;
• interest rate;
• the need to prove with a platform (some MFIs are ready to cooperate without providing certificate of income and other documents indicating the presence of monthly income).

It is also worth noting two main types of lending: Bessell and target. In the first case, the loan is issued for any purpose of the client, that is, the lender is not interested in what exactly the money will be spent. Get such a loan is the easiest way, most importantly, to meet the requirements of the bank and successfully check the security department.

The target loan to issue a little more difficult, since the means for this loan are issued solely on specific waste, which the borrower is subsequently obliged to report in front of the bank. It is due to the fact that the lender is entitled to control the cash costs on the loan issued, potential customers prefer to issue basic loans.

However, the target loan has its benefit for borrowers:

• the ability to receive funds in the presence of bad credit history (for example, to repay already having a debt to another bank);
• the ability to increase the loan repayment period or its limit;
• reducing interest rate;
• buying housing.

When drawing up a loan agreement on a target loan, the subject of the agreement immediately stipulates between the parties. So, if we are talking about buying a living space, then the documents indicate the type of loan, like housing. Under it is suitable for the purchase of an apartment or at home and a land plot for further development.

In addition, the subject of the trust loan agreement may be:

• tuition payment;
• home construction;
• buying a vehicle;
• creating business or its development;
• payment for treatment, etc.

The goals of obtaining loans are set during the design process and only by agreement of the parties. In the future, after signing the borrower, it is entitled to spend the funds received from the bank only to the established goal. Costs for other needs will be considered a violation of the contract, which is fraught with penalties from the creditor.

Important clarifications

The design of the target loan has a number of nuances that should be specified before the signing of documents. So, for example, compiled contracts between legal entities and individuals often differ. And we are talking not only about a monetary leech, to which the client can count on, but also a loan refund period, as well as a percentage rate, which is the most important aspect of any loan.

Terms of Directions

If you compare with a standard consumer loan, the target is issued only for a specific purpose referred to in the documents. If the client spends the funds received for something else, the Bank has the right to unilaterally revise and change the terms of the contract concerning the maturity and interest rates.

The fact is that the target loan creditors issue with the support of various partners, for example, if, when signing the contract, it was about buying a car, the bank concludes an agreement with a specific car dealer, who has a borrower and buys in the future. Therefore, if costs will not correspond to the appointment, the bank and its partners will incur financial damage.

If the target is not followed by the Client, the lender is entitled to request early repayment of debt and introduce penalties.

Among all the objectives available, we can note a number of main ones, which are most often drawn up loans:

• mortgage loan;
• financial assistance for private investors;
• business financing (on the development or opening of its business);
• debt restructuring;
• student loan (for paying training or advanced training);
• credit for medical care.

The main goal of the mortgage loan is the purchase of housing. This lending program is designed for young families, employees of budget organizations and servicemen. Funds for business financing can be obtained as chief management enterprises and its founder.

Loan for debt restructuring can request both individuals. With regard to credits for training and treatment, they are designed for all customers that are suitable for the requirements of the bank. But to obtain such a jam, the applicant must have good reasons confirming documented.

Documents and requirements for the client

All banks and microfinance establishments regarding target loans combines the presence of certain conditions for the potential borrower, which are as follows:

• the client must comply with a certain age, if we talk about banks, then the minimum credit age is 22 years, in MFIs - 18 years;
• the presence of Russian citizenship;
• permanent registration place;
• the presence of official and stable income;
• positive credit history;
• the lack of debt obligations to other creditors.

In the case of MFIs, the loan can be obtained without confirmation of solvency and with a stained credit history, but the limit of such a loan will be small.

With regard to documents, the bank should be provided:

• income certificate;
• a copy of the workbook or employment contract;
• an additional document confirming the personality of the borrower (pension certificate, law, student card, passport, etc.).

If the purpose of the loan is an apartment, then to obtain it, it is necessary to additionally provide evidence that the applicant needs to be purchased or expanding the housing. In this case, the base, for example, may be the birth of a child, especially if the family is large.

Options for registration

You can get this kind of credit in any bank or MFIs engaged in issuing targeted loans.

With regard to the design, that is, several options for holding a transaction with the lender:

• personally visit the nearest department of the financial organization;
• place an online application;
• resort to the help of intermediaries representing the interests of the chosen credit institution.

Each borrower can choose for itself the most appropriate way of design, but before this should decide on the appropriate bank.

The most convenient option is to design a loan with the help of the official website of the financial institution, but if we are talking about a large target loan, for example, mortgage, most banks prefer personal communication with a potential customer.

Sample contract and documents

The basis of the transaction between the lender and the borrower is the signing of the contract. It is in this document that contains all the previously stipulated information, the conditions of the loan and various kinds of nuances. In each bank, the contract points may differ, as lenders have the right to establish their credit rules and dictate conditions for customers.

Before signing this document, pay attention to such items as:

• the amount of the target loan;
• subject of contract;
• interest rate;
• refund timing;
• the full name of the organization issuing a loan;
• availability of complete information about the lender;
• the presence of pitfalls.

Despite the fact that banks have the right to establish their credit conditions, the contract must be drawn up in accordance with the law. After signing the document necessarily registers.

To familiarize yourself in advance with the terms of the financial organization, you can download a sample contract from the official website of the selected institution. This will allow you to quietly explore all items and avoid possible problems. Also, it is also possible to act with other target lending documents.

Interest and rates

The rate on the target loan can range from 10 to 24% per annum, depending on the credit institution. If you take a loan not in a bank, but a microfinance organization, then the interest rate may be much higher.

The magnitude of the percentage of documents submitted by the client is depends. Since most MFIs are ready to cooperate with customers, even with poor credit history and without proof of control, then they reserve the right to increase the percentage to minimize financial losses in the event of a debtor's refund.

To obtain a loan for the most favorable bet, you should provide a creditor to a complete package of documents that includes an income certificate.

Merging the target loan with banks

If necessary, to get a mortgage or pay for training, many are immediately wondering the question, in which bank you can take a loan on more favorable terms and not to receive a refusal. In fact, the choice of financial institution depends not only on the type of lending, but also is a client with a legal or individual.

Each Bank has a certain list of credit programs for certain customers, which differ in the sum of the limit, the timing of the use of a loan and an annual rate.

Some institutions are more focused on cooperation with legal entities and it is most advantageous to take a loan on them. Similarly, the conditions in such banks are most often not suitable. Conversely, lenders who are focused on cooperation with Piz. Persons most often can not satisfy YUR. customers.

Training and Sberbank

This banking institution is a state bank, therefore, it is most often loans for the purchase of housing for maternity capital and training.

Regarding the latter, Sberbank cooperates with a large number of educational institutions offering both full-time, as well as the correspondence form of training. The program itself offers customers partial or complete compensation of material expenses, depending on the chosen educational institution (special secondary or higher).

Loan for training in Sberbank implies the payment by the state of three quarters rates for a specific period of study.

Terms of such a loan, as follows:

• the rate varies from 2.5 to 10%;
• term of month up to 10 years old;
• early repayment is allowed;
• full payment of training in accredited educational institutions;
• individual loan repayment schedule.

Military and Gazprombank

It is Gazprombank - one not of many who are ready to issue targeted loans to military personnel. You can get a loan in it for any specific need, except for business activities.

Military personnel are a special type of borrowers who are not so easy to get a big loan, especially the target. Gazprombank is not only ready for cooperation with them, but also has a special program of the accumulative mortgage direction.

It is according to it that the borrower, which has a military service, can eventually make a loan on rather favorable terms:

• the rate is no more 14% per annum;
• the possibility of postponement by payment in the provision of documents indicating specific circumstances;
• credit holidays (the ability to postpone the payment at a certain time);
• term of year up to 3 years.

Dacha and Rosselkhozbank

The establishment invites potential borrowers who owned areas, loans for the following needs:

• payment of repair;
• construction on the site;
• seasonal payments;
• payment of some utilities, etc.

You can get a loan in Rosselkhozbank without providing collateral and guarantee. The maximum annual rate is 15% .

The bank issues a target loan to 300,000 rubles for two years to 700 thousand for five years. The payment schedule is established individually, there is no reference opportunities.

Country House and UniCredit

UniCredit Bank is one of the most profitable lenders in the event of a loan for reconstruction or a small repair of your own home, as well as to obtain a loan for construction from scratch.

In addition, UniCredit issues a loan to the purchase of an apartment or carrying out repair in the already available residential area. The basic condition of the credit program - the funds received should be aimed at arrangeing or buying housing.

Loan is provided on such conditions:

• bid - up to 15% per annum;
• real estate on which funds are taken, acts as security (collateral);
• maximum limit - 15 million rubles;
• term of year up to 10 years old;
• the possibility of early repayment;
• no additional fees.

Repair and Citibank

Like UniCredit, Citibank offers a profitable program of a target loan for the implementation of reconstructions and repairs of residential premises.

But lending conditions in this institution are slightly different:

• the rate often reaches 20% ;
• the limit is no more 450 thousand rubles;
• time from 12 months. up to three years;
• payment schedule individual;
• the possibility of early repayment.

Other offers

Make a loan to a specific goal in many financial institutions. There are banks that have pretty profitable programs not only for physical. Persons, but also specifically for organizations and large companies.

However, the conditions for such lending have strict restrictions:

• you can not use the money to increase the capital's capital;
• upgrade personal production;
• make a loan to bond funds;
• improve the agro-industrial complex.

In the event of the latter, the exception is to take a loan for the purchase of a vehicle for personal use.

You can take a target loan on favorable terms in the following institutions:

Pros and cons

Target loans are beneficial to take for the purchase of housing, paying training or opening your business. If you compare with other lending programs, the target in this case have the most attractive conditions and a low interest rate.

Is it possible to take a target loan for maternity capital? What are the features of the target loan to buy housing or building a house? Where to arrange a consumer target loan on favorable terms?

Remember the witty phrase from the movie "Caucasian Captive" - \u200b\u200b"I wish to buy a house, but I have no opportunity. I have the opportunity to buy a goat, but I have no desire. " So, in order for your desires to coincide with your capabilities, exist target loans.

Such loans will help you buy housing, car, furniture and other products not when you draw the desired amount, and then when the need for it.

But about how to take target loansAnd what they happen, I, Denis Kudarin - the financial expert of the journal "Khitirbobor", will now tell. You will find out what the features and advantages of targeted loans, and why in some cases banks refuse to citizens in issuing such loans.

We read to the end - in the final I will tell about the way to repay the loan when there is no money.

1. Target loan secured - if money is urgently needed

Target loans take on specific needs, in other words - under a certain goal. Most often it is a purchase of real estate, car, construction, education or purchase of household goods.

The loan with a specific goal, as a rule, involves participation in a third party transaction - product Seller or Services. The bank does not give money to the borrower, but lists the seller. And then the client is already calculated with the bank. This is usually long-term perennial relationships.

The purpose of the loan necessarily indicate in the contract. If the money still gives the borrower to the hands, he must provide the bank documents confirming their target use.

Example

If the funds are taken to build a house, the client must present the project of the future home, estimate or a contract of a contract with a construction organization. An attempt to overstate the costs of their interest will lead to distrust by the bank and denial of lending.

If the borrower has no confidence that he will spend money on its intended purpose, the target loan makes no sense: non-compliance with the terms of the agreement is fraught with large fines. In such cases, it is better to take or other loan with a deposit if a large amount is needed.

Target loans issued for maternity capital. This money is used as an initial contribution or pay them the main part of the debt.

The choice of credit directions with the involvement of the Matkapital is limited: this improving housing conditions and education. The last type of lending in the Russian Federation is poorly developed, so the main goal of lending with state subsidy - purchase or construction of housing.

Not always banks are ready to issue a target loan without additional guarantees. If the financial company does not satisfy the level of customer's solvency, it requires a loan security - in other words, pledge, which will be an additional guarantee of refund.

The target is popular and most secure from the point of view of the bank type of lending. The bank really does not risk anything. Even if the client cannot pay a debt, the lender will notice his collateral real estate, implements it and compensates for costs with interest.

But the borrower who has granted a deposit receives certain advantages:

• the interest rate is reduced;
• increases loan period;
• the loan amount increases.

Sometimes the purchased goods are the collateral. For example, if you take, the apartment itself becomes the provision. She remains piled by the bank until you pay all the debt.

Sometimes besides collateral, the bank requires a borrower to attract guarantors. Among other conditions - insurance of the subject of pledge and life of the borrower, the availability of official employment, evidence of stable income.

The procedure for obtaining a loan is complicated if a third party is involved in the transaction (supplier of goods and services).

2. 4 popular types of target loan

There are several of the most popular varieties of targeted loans.

Consider them in detail.

View 1. Mortgage

Mortgage - the most common type of target loan. Here are the longest periods of lending (up to 20 or more) and the most solid amounts.

The purpose of such a loan is acquisition of real estate. The bank lists money to the seller of housing, and the client is calculated with the lender for many years.

Acquirement housing becomes the subject of pledge. The bank has the right to sue the property in the case if the debtor will no longer fulfill his obligations.

The client lives in a purchased apartment and owns it, but an encumbrance is superimposed until the end of the contract. Sell, change, to give an apartment, he has no right.

What objects become a matter of mortgage:

• apartments in new buildings;
• housing in the secondary market;
• country houses, townhouses, cottages;
• objects at any stage of construction.

The most common option - apartments in new buildings. In most situations, the developer and the bank are in partnerships, so the borrower is somewhat limited in the choice of mortgage objects.

Sometimes mortgage loan is issued on the security of already existing housing. This is a slightly different type of lending, but the rules for its receipt are about the same.

View 2. Car loan

Target loan for the purchase of transport. The scheme of the agreement is similar - purchased car becomes key, Money Bank reports to the seller, the buyer becomes the owner of the vehicle. Car, like an apartment, you can not sell, give and change.

Car loans are often drawn up in car dealerships, since they have partnerships with banks

Insurance and are mandatory. Bank, again, levels its risks to a minimum. If the car falls into an accident and will lose part of its market value, insurance will cover losses.

Banks enter into partnership agreements with specific car dealershipsSo buy money on credit money on the car market will be difficult.

If desired, the client has the right to arrange a contract directly through the seller right in the automotive store.

There are preferential car loans programs for which those who wish can acquire a domestic assembly car with state support - at a reduced interest rate.

View 3. Loan on education

Pretty rare - at least, while the type of target lending. The bank transfers the money at the expense of the university as a training fee.

Such a loan is received by students who wish to study in educational institutions with a state license. Creditor does not have direct access to borrowed funds.

It is clear that the applicant's student will pay off their credit itself will be difficult, so the parents are calculated with the bank. They act as applicants on credit, if the applicant itself does not work officially.

Loans for training issues a limited number of banks. Again, universities are concluded with financial companies. Partnership contracts are concluded, so you will not get money for training in an arbitrarily chosen institution.

Examples of such loans:

• "Educational loan with state support" in Sberbank (at the time of writing the article, the program is suspended);
• "Credit for education" in the post office.

Not only higher education is available on credit - loans give out and to receive average-seat education, as well as for payment of business courses. Contracts are concluded after entering and enrolling in an educational institution.

View 4. Target minced loans

This includes loans for the purchase of tourist tracks, for repair and construction, for the purchase of household goods and payment for medical services.

Special credit cardsFor which the borrower has the right to shop only in certain stores, also belong to small target loans.

We will pause - let's see the video.

3. How to take a target loan on bail - step by step instructions

According to official research conducted by scientific and statistical institutions, citizens of the Russian Federation have a very superficial understanding of financial literacy.

They take loans without having a concept that such budgeting, or make out new loans without closing old.

Such an attitude to lending leads to sad consequences. For this reason in the country a huge number of credit debtors - People who have brightened unbearable financial obligations.

So that this does not happen to you take the target loan only after the comprehensive analysis of your financial status.

Knowing people advise several months to practice - to postpone the amount that you expect to give to the bank, and live as if you do not have this money. If the standard of living remains the same - you are ready for credit load.

Step 1. Choose a bank and lending program

According to official data in Russia at the time of writing the article registered more than 800 commercial banks. But about a third of them is withdrawn by a license allowing financial transactions.

Your future depends on the choice of reliable bank. If the credit institution breaks, it does not mean that you will be forgotten.

Pay, but already on other details, it will still have to pay. You do not need an excess headache? Then choose the bank carefully and carefully.

What we look first:

• financial indicators - Banks that have nothing to hide, publish this information openly;
• ratings - use data both international rating agencies and Russian;
• market experience - It is better not to contact companies that less than 5-10 years old;
• comparison service data - They will help you choose not only the bank, but also a profitable program.

If you belong to one of the preferential categories - you working pensioner, civil servant, salary client - Be sure to use your privileges.

Step 2. Apply and prepare documents

Now all banks accept applications online. But note that the decision on such an application will be preliminary. Visit the company "Vizhvoy" with the original documents will still have to.

What documents are needed:

• general passport;
• second document - SNILS, military ID, passport, INN, driver's license, etc.;
• help 2-NDFL or 3-NDFL, if you work unofficially or get a salary to a bank account;
• a copy of the employment record or an employment contract.

The remaining documents depend on the type of deposit. If it is an apartment, you need all paper on the apartment, including an extract from EGRN, technical and cadastral passport. If the subject of the collateral is auto, you will need documents for the car.

Step 3. We are waiting for the assessment of mortgage property

You have full right conduct an assessment in advance in an independent evaluation companyhaving appropriate accreditation. In this case, the results of the assessment will be more objective.

Otherwise, the Bank will appreciate the property itself, and in his interests - to undertake the real value of the deposit.

Step 4. We conclude a loan agreement

The loan agreement is the main document in which all the terms of the transaction are indicated. If you miss some important moments be sure to have problems.

Therefore, the contract must be carefully read, and even better - to show a professional lawyer.

Note: The final interest rate, the conditions for early repayment of debt, the availability of commission for opening an account and financial transactions.

After signing, changing the items of the contract will be unreal: if you want to do this, negotiate with the bank in advance.

Step 5.

Make sure the entire loan amount is listed. Get payment documents to in the case of which you had material evidence in your hands.

The bank will provide you schedule repayment debtAccording to which you will transfer a certain amount for a monthly amount to the credit institution. Do not admit And use the safest and most profitable ways to repay the debt.

4. Where to take a target loan - an overview of the top 5 popular credit institutions

Not always target loan - The fastest and most profitable way to take money from the bank. If you need a relatively small amount for specific needs, order credit card With a grace lending period.

Expert Review will help you choose a bank / MFI.

1) Sovcombank

- Target and non-target loans on the security of real estate, cars and without any collateral. As a security, the Bank accepts apartments, Houses, Land, Commercial Real Estate, Locked Building Objects.

The maximum amount of the target loan is pledged - 30 million . Bet for such a loan - 18.9%. Term - up to 10 years. The object should be located in the product area of \u200b\u200bthe product, and the borrower itself is to live in the point where there is a branch of Sovcombank.

Another sentence is secured by an old car. As collaboration takes cars on the go no older than 19 years. Maximum loan amount - 1 million .

There are no traditional offices and offices. All financial operations are performed here remotely - you call on the phone or make transactions via the Internet.

If urgently need a sum up 300 000 rubles , Order a credit card "Platinum" with a preferential loan period of 55 days. Fill out an application on the site - 5 minutes. The answer will come immediately. You will only have to order card delivery to the house or office.

Issues mortgage, car loans and non-target loans. Amounts depend on the selected program.

Basic bet - 13.9% per year. For civil servants, employees of education and health care - special conditions. Borrowers have the right to credit holidays duration of 1-2 months.

4) Alpha Bank

It offers dozens of varieties of target and non-target loans. Here are acting preferential conditions for mortgage and car loans. Salary customers are advantageous programs with a reduced interest rate.

The bank issues credit cards with a limit from 300 000 rubles before 1 million . Most credit cards have a grace period of use - from 60 to 100 days.

5. How to pay off a loan if there is no money - 3 proven ways

Life is full of surprises. Situations when to repay the loan is needed, but there is no money, there are always there.

You will help you useful advice.

Method 1. Changes in payments

This option is suitable when the client has changed the place of work and began to receive a salary on another schedule. The bank willingly go to you towards meets, especially if you provide him with evidence of such changes.

If the next receipt of the finance is postponed for several weeks or months, you have the right to ask credit holidaysduring which you will be released from payments completely.

Method 2. Refinancing

Refinancing is registration of a new loan agreement instead of the old. As a rule, in a new agreement, the loan period changes, therefore, monthly payments are reduced. This is quite acceptable and reasonable way to repay the old loan.

Method 3. Refusal of property

The extreme measure is to abandon the mortgage property on its own, without waiting for the trial. Bank will sell your property Or you will do it yourself, and the revenue will go on debt repayment. The remainder, if he is, will leave the borrower.

6. Conclusion

Target loans - a way to get money from a bank for specific needs. To take such a loan only if you really intend to spend money on the stated goals.

Question to readers

Do you think, why in Russia there are few banks providing loans for education?

It often happens that there is not enough funds to achieve their cherished goal. But not everything is so sad, because there is a target loan from Sberbank. The Savings Bank of Russia is pleased to offer its borrowers a target loan that is issued to a borrower to solve a certain task. The advantage of such credit is the low interest rate, which is significantly lower than the loan for consumer purposes.

Such projects as auto lending, lending to buy housing, lending to obtain education, as well as some types of consumer lending are falling for targeted lending.

Housing target lending

The provision of a target loan for the solution of housing problems of citizens in Sberbank is conducted in several directions.

• Loans with the support of the state. According to this program, the borrower can receive the amount from 300 thousand rubles, the maturity of which is 30 years, the interest rate on this loan is 11.4% per year.
• Mortgage target lending to purchase housing in a new building. This program provides for obtaining a loan amount from 300 thousand rubles. 13% for a period of 30 years.
• Getting a loan for the construction of the house. The loan amount from 300 thousand, the period of 30 years the rate is 13.5% per annum.
• Lending to the purchase or construction of suburban real estate (cottages, etc. Buildings) The loan is issued from the amount of 300 thousand rubles for a period of 30 years, at a rate of 13% per annum.
• Lending on military mortgage. Buying housing, both in the primary and in the secondary market. The loan is issued for a period of 15 years, at a rate of 15,% per annum.

Target lending to the development of personal subsidiary farm

If your goal is to strengthen and develop a personal subsidiary farm, then this method of lending will be for you as it is impossible. The amount of lending is issued for one utility farm and has 2 options.

1. The loan amount from 15 to 300 thousand rubles. The loan is issued for 2 years.
2. The loan amount from 15 to 700 thousand rubles. Credit maturity of 5 years.

Pros of this type of target lending: the absence of a loan commission, paying interest 22% per year, the availability of all residents of the Russian Federation, except for residents of Moscow.

Target loan for education from Sberbank

Get high-quality education has become much more accessible with a loan from Sberbank. According to the terms of the loan, it is possible to get it both on secondary vocational education and higher. The cost of learning is 100% covered by credit.

The amount of interest on the loan is only 7.6% loan repayment period is 10 years. This type of lending has no restrictions on the form of student's training, does not have commissions and insurance on the loan.

Inadequate lending with the pledge of the borrower's real estate

The essence of this type of lending is quite simple. The borrower can take a loan for any purpose. In return, he leaves real estate.

Car loan from Sberbank.
The program of target car loans from Sberbank involves the acquisition of both a new car and used. When buying a used car for this program, you need to comply with the condition you purchased the car should not be older than 5 years (domestic, and Chinese cars) and 10 years (foreign-made cars).

The loan is granted at a rate of 13-15%, citizens of the Russian Federation, from 21 years not having debts and with an employment experience of at least 5 years.

Customer credit.
In the savings bank there are two types of consumer lending:

1. Without guarantors. The maximum amount that can be borrowed without guarantors is 1.5 million rubles. Term of 3 months, up to 5 years. The rate of 15.5% (with a loan amount of at least 400 thousand rubles).
2. With guarantor without guarantors. The maximum amount that can be borrowed without guarantors is 3 million rubles. Term of 3 months, up to 5 years. The rate is 14.5% (with a loan amount of at least 400 thousand rubles).

For recipients of pensions and salaries on a savings card, there is an opportunity to receive lending services through the service