Is it possible to take a loan on a copy of the passport, TIN and SNILS?
Loans and borrowings - this is what has been recentlyit is very necessary for many citizens. True, this process is accompanied by the collection of a rather large list of various papers. Some people ask themselves: is it possible to take a loan from a copy of the passport or in the presence of photocopies of other documents? And if there is such an opportunity, then how and where to embody the idea in life? All this is to be discussed further. In fact, this issue plays an important role for many borrowers.
What do you need
To begin with it is necessary to find out whichdocuments in principle are needed to obtain a loan. After all, only then does it (or does not have) sense to make copies. Paper red tape with this process is more than enough. So if you are thinking about whether it is possible to take a loan from a copy of your passport, first find out what list of papers you need to show to the bank to apply for services.
There is nothing difficult to remember here. First, you must produce any identity document. This is usually a passport of a Russian citizen. If it is not there, it does not matter, but many banks refuse to issue a loan. Secondly, you will need a written application for a loan, as well as certificates of your income (2-NDFL, work book, 3-NDFL, billing, service contracts). Thirdly, you will be asked for an INN, SNILS and a military ticket (for men under 27 years old). In addition, a certificate of marriage / divorce, the birth of children, a marriage contract (if any) is required. Once you have collected the complete package of documents, contact them to the bank to obtain a loan.
Now what? Often people ask the question: Is it possible to take a loan from a copy of the passport and TIN? This is quite normal interest, which is manifested by most citizens. After all, it is not always possible to present the original document.
In principle, it is not difficult to guess that in itselfa copy of any document has no legal effect whatsoever. Maybe it's a fake. Just a piece of paper on which something is written. Therefore, if you are interested in whether it is possible to take a loan on a copy of the passport and SNILS, it should be answered unequivocally: no, you can not. After all, it is possible that you are a fraud. The main role here is played by the fact that copies of documents by themselves have no legal force. So, you can not use them when executing these or other transactions. Unless the bank employee himself will remove from the original copy, and then attach it to a full package of documents. But at the same time the script is still used!
But on this the solution of our question is notends. It's not a secret for anyone that any copy can be notarized. And then it will have at least some power. Very often this is done when they can not or do not want to produce original documents when they apply to certain instances.
Is it possible to take a loan from a copy of the passport,which was notarized? Honestly, the issue is controversial. If you act within the framework of the law, you can again answer quite clearly: no. When you make a loan or loan, you must show only the originals of your documents. Especially passports, TIN and SNIL, and also it concerns certificates of income.
Thus, even if you have a certifiedphotocopies the chances of getting a service from the bank are almost equal to zero. And it is right. After all, in fact, the notary just confirms that the copy is valid. He can not certify the authority that he originally had an original document. So do not be surprised.
But we all live in the modern world. And in Russia, not always everything is done according to the law. So sometimes, wondering if you can take a loan from a copy of your passport, you will be able to get a positive answer. According to the law, as already mentioned, there is no such opportunity and will not be. In any case, no amendments to the legislation providing copies of legal force are being developed.
But in practice there are exceptions. Yes, in large banks with copies of any documents there is nothing to do - no honest company will take on such a big responsibility. Therefore, there is already as lucky - someone is making concessions and working with photocopies, and some do not. Most often, of course, you risk getting a refusal, but you can also hope for the approval of your application. After all, not just so many without originals manage to get a loan or a loan.
Where to go
What to do in order to have a better chance of successin our today's question? Can I get a credit from a copy of my passport? We have already found out that, in principle, such a prospect exists. Although not on a permanent basis and not in all cases. Nevertheless, there is advice that will help you in solving the task.
If you want a positive response tothe question of whether it is possible to take a loan on copies of passports and other documents, do not apply for services to large organizations and banks. Suitable for this purpose are either private companies or financial associations such as microloans (for example, "Quick money"). Such communities often do not focus too much on documents. However, there is a possibility that you will have problems in the future, for example, with payments. This will have to be taken into account.
Remember: in large banks with copies of documents there is nothing to do. You can attach them to the application, but the originals will still be required from you without fail. If you need to replace a particular paper, first do it. And only then make out a loan.
Most often our today's issueinterested scammers. They constantly think whether it is possible to take a loan from a copy of another person's passport. In general, as we have already seen, it is impossible to answer unequivocally. In principle, it is possible, but it is very difficult to translate the idea into reality.
However, if we turn to the rightorganization, you and money on the copy will be given. Hence a new way of fraud. More and more often, citizens discover that they are "hanged" loans, which then need to be returned. In practice, usually this is either a microscope or simply not too large amounts. If you notice that you are a victim of this fraud, you should immediately seek help from the police. Try to remember where you went with photocopies of your passport, this will help catch the criminals.