Is it obligatory to provide snills when applying for a loan. Take out a loan without snills Loans with high approval without snills

To take online loans from an MFO, you do not need to provide a SNILS number. Borrowers received the right to provide SNILS in case they want to confirm their reliability, and can replace it with any other document if necessary. This solution simplifies all the processes to take money with a loan on the card. The TIN is also not a mandatory document for receiving funds from an MFI.

How to get a loan on our website?

To get a loan, follow these simple steps:

• filter and sort the issue on this page - you can configure items by amount, terms, methods of obtaining and interest rate, consideration time or loan amount;
• compare the details for all offers - rate, maximum and minimum amount, age requirements of the borrower, terms, methods of issue, features - choose the appropriate option;
• follow the link to the company's website and fill out the form - the MFO should not require the provision of SNILS or TIN;
• wait for a response about approval or rejection on the specified contacts.

The registration of the card on the MFO website is quick - it is enough to indicate the standard details (number, name, expiration date, code). Make sure that the card is not expired or expired during the period for which the money is being borrowed.

Which companies issue loans only with a passport?

An online loan without SNILS and TIN can be taken by simply filling out an application on the website of the microfinance organization. On this page, we have collected organizations that do not need a TIN and a pension certificate to conclude an agreement. Some of them operate in Moscow, some issue loans online without concluding a contract in person. To obtain you will need bank card, e-wallets or the ability to receive money in the office of Unistream, Contact and other money transfer systems.

Service "Creditznatok" provides information services - all personal data, scans / photographs of documents and contacts are left by clients on the websites of selected microcredit organizations. On this page, we have collected reliable companies that do not require additional documents.

The hype around SNILS arose in the summer of 2016, when it became known that from 01/01/2017 after the release new edition of the Law on Credit Histories, borrowers will be required to present an insurance pension certificate when applying for a loan. What this document is and why a citizen needs it, everyone knows, but why the SNILS bank when applying for a loan is not at all clear. In view of mass protests in banking structures, this edition was canceled, the excitement subsided. No one is obliged to provide SNILS, but as a second document, the bank may ask to present it.

How SNILS is related to credit

According to the revoked version of the law, the borrower's credit history was from now on not to be tied to passport data, but to SNILS data. This measure would allow each citizen to create one credit history for life.

Being tied to passport data, the credit history can be interrupted after changing the passport, if you do not submit an application for changing the data to the financial institution in time. You have to start a new one, and the data of the old one is no longer available to either the bank or the borrower.

Since this innovation would help to systematize and facilitate the process of maintaining credit histories, it will certainly return to it. You need to be prepared for the fact that loans will be issued in the presence of two mandatory documents- Russian passport and SNILS.

If specified changes the law "On credit histories" will still be adopted, categories of citizens will be able to get a loan without SNILS, pension contributions which are not managed by the Pension Fund, but by departmental organizations (for example, military pensioners).

Is it legal to require SNILS for lending

As the representative of the Central Bank of Russia explained, since 2017 it was planned to prohibit banks without SNILS data from requesting the borrower's credit history. But in fact, the law did not give banks the right to demand this document from customers. Opinion financial institutions was taken into account and new law Federal Law No. 468 dated December 28, 2016 has ceased to be in force. In the Federal Law No. 189, you can be convinced of this.

Borrowers are afraid to provide SNILS when applying for a loan and for another reason. There is an opinion that by his number the bank can easily check the data on the borrower's employment - whether the contributions to the Pension Fund continue (whether the person has lost his job) and in what amount (respectively, what is the amount of the salary). Borrowers should not worry about this - banks will not be able to obtain these data on their own.

Information about contributions to the FIU is available to the owner in personal account, and banks only with the special consent of the borrower to receive data from the FIU for the analysis of solvency.

The worst thing that a bank employee can do according to SNILS is to transfer a client to a non-state Pension Fund... It's no secret that large banks(among them VTB and Sberbank) have their own private pension funds and actively attract clients there. Such fraud is prohibited by law, but the facts of fraud on the part of unscrupulous employees are known to the world.

The requirement by SNILS banks will not affect either its value, or the number of refusals, or the amount issued. The same goes for credit cards.

It must be borne in mind that it is impossible to take out a loan only under SNILS. The basis for the conclusion of any contract in Russian Federation there is still a regular passport, and no changes are expected in the near future.

Unlike bank loan, when applying for such a loan, you do not need an impressive package of documents. Many companies work with loans without requiring clients to provide SNILS. To apply for such a loan, you need to leave an application on the website of the selected organization. This page presents companies that are ready to provide a loan without specifying an individual taxpayer number. When choosing, pay attention to the terms of provision and carefully read the loan agreement.

Unlike traditional bank loans, in order to receive such a loan, you do not need to provide a large package of documents. Just leave a request on the website of the selected microfinance organization. When choosing a company, you need to pay attention to the maximum loan amount provided, terms, interest rates, as well as requirements for borrowers and other clients.

pros

• Possibility of making an application and receiving the required amount for clients who do not have SNILS at hand.
• Prompt registration of the application due to a smaller package of required documents.

Minuses

• Attaching SNILS data to the application increases the chances of loan approval.

Precautionary measures

• Keep your PIN, password and wallet number confidential. Do not enter them in payment forms on unreliable web resources.
• Activate the service of quick notification of the status of your account by SMS. This will allow you to always be aware of what transactions are going through your account or online wallet.
• Do not trust third parties to receive your loan.
• If you receive a questionable call or message from your translation service or microloan organization, contact their employees to clarify the fact of the call or send a message. This will insure yourself against fraud.
• Keep a close eye on the status of your loan. If its accrual is delayed, contact the MFI manager to find out the reasons.
• Sign the loan agreement only after you have read it carefully and understood all of its points.
• You should not use the services of financial institutions that offer big loans under minimum percentage and do not disclose all the terms of registration.
• Avoid organizations that require passport or other personal documents as collateral.
• Contact only reliable companies with a high rating and good reviews from real customers.